Spilling The Title Tea

In this episode of Spilling the Title Tea, Ashley sits down with Drew Meaux of ProTech IT Solutions to talk about the growing role technology plays in modern business and why ignoring cybersecurity can cost you far more than just downtime.From buying commercial real estate to protecting sensitive customer data, Drew explains how outdated systems, weak passwords, unsecured Wi-Fi, and lack of planning leave businesses vulnerable every single day. The conversation covers everything from cyber threats and phishing scams to VPNs, building security systems, cloud backups, and smart technology upgrades for growing businesses.Whether you’re a small business owner, property investor, medical office, law firm, or just someone trying to better protect your personal information, this episode is packed with practical advice on how to stay secure and avoid costly mistakes in today’s digital world.HighlightsWhy buying or renovating a commercial building is the perfect time to upgrade your technology systems. How outdated wiring, networking, and tech layouts in older buildings can slow down business operations. The hidden dangers of sharing one Wi-Fi network between employees, tenants, and public guests. Why weak passwords and reusing the same password across multiple accounts creates major security risks. Phishing scams explained: fake toll texts, fake invoices, urgent emails, and how scammers trick people into clicking. The importance of keeping systems updated—and why ignoring software updates can leave businesses vulnerable. How VPNs add protection when working remotely or using public Wi-Fi networks. Why small businesses are often bigger cyberattack targets than people realize. Smart business security upgrades: camera systems, remote door access, cloud backups, and mobile monitoring. Drew explains why proactive IT planning is always cheaper and easier than dealing with a cyber disaster after it happens. LinksProtech IT Solutions | information technology management company(859) 516-4045FacebookSringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this episode of Spilling the Title Tea, Ashley welcomes back Joshua Williams, insurance agent with Kentucky Farm Bureau, for a conversation packed with real-life updates and practical advice.Now newly married, Joshua shares what’s changed—from merging finances and planning for the future to navigating today’s challenging housing market. He breaks down why insurance becomes even more important after marriage, how to think about life insurance in a practical way, and what young couples should be doing right now to protect each other and build stability.Ashley and Joshua also dive into the realities of buying a home in today’s market, offering honest insight into affordability, patience, and making smart financial decisions without unnecessary stress.If you’re newly married (or heading that direction), this episode is full of grounded, real-world advice on how to plan wisely, communicate effectively, and build a strong financial foundation together.HighlightsJoshua shares his biggest life update: getting married and building a new life with his wife. Why keeping a wedding simple and stress-free can make the experience more meaningful. Key insurance changes after marriage—combining policies and updating coverage. The importance of life insurance when you now have a spouse depending on your income. How to calculate coverage: replacing income, covering debts, and protecting long-term stability. Why term life insurance often makes sense for young couples on a budget. The harsh reality of today’s housing market—high prices, high rates, and limited inventory. Smart strategy: delaying homeownership to improve finances, save for a down payment, and reduce stress. Financial planning tip: live below your means now to prepare for future goals like children and homeownership. Relationship advice: sit down together, align goals, communicate openly, and build your future as a team. LinksJoshua Williams - Kentucky Farm Bureau (kyfb.com)859-626-7725Sringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this quick update episode of Spilling the Title Tea, Ashley sits down with Springdale Title COO Trevor Daugherty to break down the latest developments surrounding the FinCEN regulation and why things just got even more complicated.Just weeks after the rule went into effect, conflicting federal court rulings have already thrown the industry into uncertainty. Ashley and Trevor explain what this means right now for buyers, investors, and anyone involved in real estate transactions.While reporting requirements may be temporarily paused, data collection is still happening and for good reason. This episode gives you a clear, practical understanding of what’s changing, what’s not, and how Springdale Title is staying proactive to ensure your closings don’t get delayed.If you’re buying property, especially through an entity, this is a must-listen update to stay ahead of the curve.HighlightsRecap of the FinCEN rule and its original March 1st implementation affecting real estate transactions. A lawsuit prior to March 1st failed to stop the rule from going into effect. A second lawsuit (March 20th) resulted in a federal court striking down the regulation—creating conflicting rulings. Why this legal conflict will likely escalate to the U.S. Supreme Court. Current reality: reporting requirements are paused, but data collection is still mandatory. Why title companies are continuing to collect FinCEN data to avoid last-minute closing delays. Who is affected most: buyers using entities like LLCs, trusts, or corporations. How post-closing transfers into entities can still trigger FinCEN requirements. Possible outcomes: the rule could return fully, come back modified, or be eliminated entirely. The key takeaway: expect continued requests for information and trust that it’s to keep your transaction smooth and compliant. LinksSringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this episode of Spilling the Title Tea, Ashley sits down with Chris Stansbury, Business Development Manager at First Response Restoration, to talk about turning an unexpected career setback into a thriving business.Chris shares how being let go from his previous role led to the creation of First Response Restoration, how they built a “dream team” from day one, and why putting people—both employees and customers—first has fueled their rapid success. From water, fire, and mold remediation to some of the toughest real-life situations homeowners face, Chris gives an inside look at what restoration work really entails.They also dive into entrepreneurship, taking risks, and why sometimes you don’t “jump”—you get pushed—and that’s exactly what you need. This episode is equal parts business insight and real-life perspective on doing the right thing, even when it’s not the most profitable choice.HighlightsChris’s background: Kentucky native, former attorney, and now Business Development Manager at First Response Restoration. The turning point: being unexpectedly let go from a previous job and how that led to starting a restoration company. Building a “dream team” from day one by bringing in experienced leaders in operations, insurance, and field work. Rapid growth: hitting year-one goals that most restoration companies take four years to achieve. Core services explained: water, mold, and fire remediation—plus crawl space work, encapsulation, and biohazard cleanup. 24/7 emergency response and why fast action is critical when homeowners are dealing with major damage. What truly sets them apart: a people-first approach, from employee care to honest guidance for customers (even if it means less profit). Real-life stories: helping a 90-year-old homeowner navigate insurance and displacement coverage after a flood. The reality of restoration work: floods, sewage, hoarding situations, and biohazard cleanups that most people never see. Chris’s advice on career and risk: don’t stay comfortable—take chances, explore opportunities, and find work you actually enjoy. LinksSringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038InstagramFirst Response Restoration (2) [email protected]

In Episode 76 of Spilling the Title Tea, Ashley sits down with Springdale Title’s very own Christina Inskeep, a seasoned title agent in the Ashland, Kentucky office with decades of real estate experience.Christina shares how she originally planned to become an attorney but “fell into” real estate—and never left. From starting as an abstractor to handling files from start to finish, she’s seen just about everything the title world has to offer. In this episode, she talks about the unpredictable nature of closings, emotional moments at the table, late-night deal deadlines, and why real estate can be both challenging and incredibly rewarding.Whether you’re curious about what title companies actually do or considering a career in the industry, this episode offers an honest look at life behind the closing table.HighlightsChristina’s career journey: from wanting to be an attorney to becoming a paralegal and eventually specializing in real estate.How she “fell into” real estate after taking her first paralegal job—and why it ended up being the perfect fit.Starting as an abstractor and learning title searches before moving into full-service title and closing work.Why no two days in real estate are ever the same—and how unpredictability keeps the job interesting.Christina’s favorite part of the process: building trust with clients and guiding them through their transactions.The craziest closing she’s experienced: working until 2–3 a.m. to meet a bankruptcy judge’s deadline on a multi-property deal.Emotional closings: handling short sales, divorces, nursing home signings, and sellers saying goodbye to longtime family homes.The joyful side of closings: milestone sales, celebratory transactions, and even doing closings for her own children.Why title work offers a unique mix of routine paperwork and people-focused interaction.Career advice for those exploring real estate: there’s a niche for every personality—from behind-the-scenes processors to front-facing closers.LinksSringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In Episode 75 of Spilling the Title Tea, Ashley sits down in person with Olivia Bowdy to break down a major new federal rule from FinCEN (Financial Crimes Enforcement Network) that will significantly impact residential real estate transactions.Effective March 1, this rule targets money laundering in real estate and primarily affects entity buyers (LLCs, corporations, trusts) and certain cash or hard-money transactions. Ashley and Olivia explain who the rule applies to, what triggers reporting, why there’s no “loophole,” and what investors need to prepare for—including the collection of over 100 required data points and mandatory secure portal reporting.If you’re an investor, use hard money lenders, or purchase property in an entity name, this episode is essential listening to avoid delays, fines, or serious penalties.HighlightsWhat FinCEN is and why this federal rule was created to combat money laundering in real estate transactions.Who the rule applies to: entity buyers (LLCs, corporations, trusts), cash purchases, and certain non-FDIC insured or hard money lenders.The March 1 effective date and why investors must be prepared for additional compliance requirements on every applicable transaction.No loopholes: transferring property into an entity after closing will still trigger reporting requirements.The seriousness of compliance: over 100 data points required per file, secure portal submissions, potential closing delays, and severe penalties—including major fines and federal prison—for violations.LinksSringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038InstagramLink to FinCEN Class registration in Richmond(7) FinCEN Updates: What Financial Professionals Need to Know for 2026 | Facebook

In Episode 74 of Spilling the Title Tea, Ashley sits down with Curtis (William) Smallwood, owner of Smallwood Elder Law, to break down what most homeowners don’t think about when they’re buying property: estate planning. Curtis explains why planning matters at every age, especially when your home is your biggest asset and how the right documents can help families avoid probate, protect privacy, and prevent conflict when a loved one passes.They also dive into elder law and Medicaid planning, including the realities of nursing home costs, Medicaid’s strict asset limits, the five-year lookback rule, and why irrevocable trusts can be powerful (but require giving up control). Curtis also explains why “just put the house in the kids’ names” can create big issues, especially around taxes and step-up in basis. This episode is an honest, practical guide to having the uncomfortable conversations now, so your family doesn’t have to later.HighlightsCurtis shares his background as a solo attorney for 12+ years, focusing on elder law and end-of-life planning, plus his advanced tax law degree (LLM).Why estate planning gets avoided: nobody wants to think about death, incapacity, or hard family conversations—until they have to.How planning can help homeowners avoid probate, which Curtis explains is often lengthy, expensive, and public.Why privacy matters: without planning, assets and estate details can become public record.Protecting your biggest asset: how estate planning ensures your home goes to who you choose, not just what state law dictates.Avoiding family drama: how clear documents reduce misunderstandings, hurt feelings, and conflict over “what mom/dad said they wanted.”Planning for incapacity: durable powers of attorney can allow someone to pay bills, manage assets, or even sell a home if you can’t.Medicaid & nursing home planning basics: the strict asset limits, what “spend down” means, and how fast nursing home costs add up.Irrevocable trusts explained: why they can protect assets from Medicaid after the five-year lookback, and why the grantor can’t be the trustee.The “just add the kids” option: Curtis explains concerns with life estates and gifting property—especially the potential loss of step-up in basis and increased capital gains taxes later.LinksSringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In Episode 73 of Spilling the Title Tea, Ashley sits down with her longtime friend Joanna Baker, an interior design consultant with a true farm-girl foundation and a designer’s eye. Joanna shares how her love for design started with classic TV shows and HGTV, what inspired her to earn a degree in interior design, and how homeowners can avoid the most common decorating pitfalls, especially after buying a new home.From furniture sizing and paint palettes to staging advice for sellers, budget-friendly upgrades for first-time homeowners, and what trends might define 2026 (including the debated return of brass), this episode is packed with practical, relatable design wisdom that helps people turn a house into a home.Highlights:Joanna’s background: growing up on a Berea farm, raising animals, and now raising her own family on a farm with horses and cows.What sparked her design passion: Designing Women, HGTV obsession, art classes, and eventually a Fine Arts degree with an emphasis in design.The most common “mistake” homeowners make: struggling to visualize the final look of a room before buying furniture or choosing finishes.A simple, genius tip: using painter’s tape to outline furniture size and wall décor placement before buying or hanging anything.How to create a color palette that flows: keep main spaces neutral, then add color through accents like pillows, throws, and art.Why neutral furniture wins long-term: trends change, but neutral pieces let you update style without replacing expensive items.How Joanna decides when to refresh her own home: seasonal resets, inspiration from Pinterest/Instagram, texture, and cozy vibes.The difference between decorating for yourself vs. staging to sell: buyers want clean, neutral, uncluttered spaces they can picture as their own.Budget-friendly upgrades for first-time homeowners: paint, trim/molding, board-and-batten, peel-and-stick wallpaper, and DIY with YouTube help.2026 trend talk: modern farmhouse continues, more texture and mixed wood tones, patterns creeping back—and yes, possibly brass returning (cue Ashley’s protest).Links:Joanna BakerInterior Design Consultant [email protected] Sringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In Episode 72 of Spilling the Title Tea, Ashley sits down with Karie Lerch, co-owner of Building Maintenance Specialists of Kentucky, to talk about how she and her husband Mike made the leap from a stable hospital job into entrepreneurship during the COVID era. Karie shares how faith, family, and community connections helped their business take off, why working with their kids has become a generational blessing, and the wide range of “one call, all solutions” projects their team can tackle from flooring and drywall to plumbing, electrical repairs, and remodel work. They also discuss the real weight (and reward) of business ownership, future plans to grow the team, and encouragement for anyone thinking about starting a business later in life.Highlights:Karie explains how Mike left his hospital job after years of commuting and dealing with bureaucracy to start their own business.How the COVID era pushed many families to rethink “normal life” and take bold steps toward entrepreneurship.The biggest benefits of business ownership for their family: no commute and the freedom to control their schedule.Why Building Maintenance Specialists has become a true family business, multiple kids have helped on jobs over time.The vision of passing the business down as a generational legacy, potentially with their son stepping into ownership.How homeschooling and hands-on work taught their kids practical skills, strong work ethic, and employability.The range of services Mike can handle: masonry, flooring, drywall repair, painting, bathroom remodels, tile, plumbing, and electrical repairs.Their “one call, all solutions” mindset if Mike doesn’t know how to do something, he’ll learn it and figure it out.Mike’s favorite part of the work: serving senior citizens and widows who need help the most.Karie’s advice to aspiring business owners: jump now, expect hard days, lean on community support (like BNI), and avoid future regret by trying.Links:Building Maintenance Specialist of [email protected] 859-339-1161Sringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this episode of Spilling the Title Tea, Ashley sits down with Scott Cole, Regional Manager of TPO Bank Relationships at Canopy Mortgage, to break down what’s really happening in the mortgage world—without the fluff.Scott shares his 29-year journey through the industry (including lessons from the subprime era), explains how Canopy helps community banks compete with big-box lenders, and gives clarity on recent hot-button headlines like 50-year mortgages and portable mortgages. They wrap with practical, grounded advice for younger buyers trying to become homeowners in today’s market—especially when affordability and debt ratios are the biggest hurdles.HighlightsScott shares a personal intro: 30-year marriage, a son in college, and 29 years in the mortgage industry (plus a roofing company).How growing up in a family-run car dealership shaped his approach to business and customer service.Scott’s path from banking and finance into mortgages—and his candid reflections on the subprime mortgage era.Building and leading mortgage growth in Kentucky: opening branches, mentoring loan officers, and scaling a retail operation.What “TPO Bank Relationships” means—and how Canopy supports community banks without massive internal mortgage departments.Why tech matters: how Canopy’s loan origination system simplifies government loans like FHA, VA, and USDA for small banks.The big reason community banks want these options: keeping customers from walking down the street to larger banks.Ashley and Scott unpack the 50-year mortgage headline—why it’s being discussed, what problems it’s trying to solve, and why it may not become mainstream.Portable mortgages explained—and why bond markets, security gaps, and logistics make them unlikely.Scott’s best first-time buyer advice: save money even if you qualify for zero-down, because homeownership always comes with repairs and surprises.LinksScottCole - Canopy Mortgagehttps://www.linkedin.com/in/scott-cole-a5b99a10Sringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this heartfelt episode of Spilling the Title Tea, Ashley sits down with Kaitlyn Miller, one of Springdale Title’s rising title agents, to talk about life behind the scenes, both in the office and at home. Kaitlyn opens up about becoming a mom, learning an entirely new industry from scratch, and navigating the beautiful chaos of raising her son, Crew, while building a career she truly enjoys.They dive into adjusting to the title world, finding confidence, juggling responsibilities, asking for help, and carving out space for personal goals even in the busiest seasons of life. If you’re a working parent, new to the real estate world, or just love a genuine conversation, this episode will feel like a warm hug.HighlightsKaitlyn shares her story as a new mom and the unexpected surprise of Crew being born on her birthday.Navigating a huge learning curve entering the title industry with no prior exposure.How Springdale’s team support helped her gain confidence and learn through constant questions.Loving the fast-paced nature of title work and discovering she's built for the industry.Balancing work life with motherhood—managing nap times, phone calls, chaos, and caffeine.The shift from “survival mode” to building routines and finding her groove as Crew grows.The importance of not losing yourself and creating personal time, even in hectic seasons.Kaitlyn’s vision for the next few years: growing her skills, exploring marketing, and finding new strengths within the company.Honest talk about mom guilt, household chaos, and learning to embrace each season.The value of small goals, mindset, and remembering that everything is figure-outable.Sringdale Title Links:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this episode of Spilling the Title Tea, Ashley sits down with media and marketing entrepreneur Kyle Terry, owner of Freedom and Hustle. They dig into what it really looks like to build a creative business around family life, why recurring revenue beats one-off projects, and how small businesses can use simple, consistent content to actually get clients—not just likes.They also wade into the hot topic of 50-year mortgages, the realities of commercial space for small businesses, and why “support small business” often doesn’t match the financial products owners really need. If you’re a realtor, small business owner, or just a curious entrepreneur brain, this episode is packed with honest, behind-the-scenes insight.HighlightsKyle’s path from insurance and sales to going all-in on media and marketing.Why he dissolved multiple companies and rebranded everything under one focused brand: Freedom and Hustle.What Freedom and Hustle actually does: photo/video, social media content, and full podcast production for clients like Springdale Title.The difference between recurring vs reoccurring revenue and why recurring clients create stability for a media business.Why niche “all real estate” or “all legal” content doesn’t attract ideal clients—and why people really want to see the human behind the business.How entrepreneurship really works with kids: flexible schedule on paper, but often split between client work, school pickups, gym time, and late-night editing.The realities of a 50-year mortgage: smaller payments but dramatically more interest and slower equity, and how that could impact housing prices.The struggle for small businesses to find and afford commercial space, especially in areas where leasing is more expensive than buying.Creative options for business space, like rezoning residential properties for office use when traditional commercial options are too pricey.How Freedom and Hustle is expanding beyond real estate into fleets, chiropractors, and supplement brands, while pushing owners to invest in marketing that actually drives revenue not just image.Links:https://www.instagram.com/kylepterry/https://freedomandhustle.com/https://www.instagram.com/freedomandhustle/https://www.facebook.com/freedomandhustle/Sringdale Title:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

Ashley sits down with her niece, third-grade teacher Kennedy Stone, for a straight-talk, first-time homebuyer Q&A. From where to start and which pros to trust, to rates, escrows, credit, and the sneaky mistakes that can tank a loan, this episode lays out a practical game plan for turning rent into a mortgage—without surprises.Highlights:Why your first step is a free consult with a great loan officer—and how to pick one (reviews, product knowledge, communication).The many loan products (FHA, VA/USDA, conventional) and down-payment assistance options for low/no-money-down buyers.Current market snapshot: realistic starter-home prices and what rates mean for monthly payment.What an escrow account covers (taxes, homeowner’s insurance, mortgage insurance) and how it affects your total payment.True monthly cost of ownership beyond P&I: utilities, maintenance, yard care, repairs (hello, water heater).Credit score targets (700+ ideal; 750+ excellent) and practical ways to build/repair credit.Why first-time buyers should use a Realtor (negotiation, paperwork, pitfalls) and how commissions are handled.Fixed vs. adjustable mortgages—why fixed usually wins for new buyers.When and why to refinance, and choosing 30-year vs. 15/20-year terms (flexibility vs. interest).The golden rule during underwriting: don’t finance cars/furniture or open new credit—and always ask questions if you’re unsure.Links:Fahe Rise Up Program - FaheFuture Homebuyers - Down Payment AssistanceHow to Repair Your Credit in 11 StepsA Guide to First-Time Home Buyer Loans and Programs - NerdWalletSringdale Title:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

Ashley introduces Springdale Title’s attorney Melinda Kirkham, whose path runs from old-school courthouse vaults to a nationwide title role during night law school. Melinda shares the skills she learned tracing titles back to U.S. patents, why she chose the JD while working full-time, and what brought her back to a collaborative, client-focused title environment. They also talk lifelong learning, identity beyond work, and the joy of helping families become homeowners.Highlights:Welcome Melinda: Springdale Title’s newest attorney and a huge help to the teamOutside the office: kayaking, hiking, disc golf—and a 300-album vinyl collectionOld-school training: pulling giant deed books in a vault and tracing titles to U.S. patentsFrom Missouri ranches to Nashville closings—including celebrity cash buysNationwide examiner during law school: title and curative work across all 50 states“Why not?”: choosing night law school while working full-timeThe grind: 9–5 job, 6–10 classes, and putting life on hold for four yearsShort-term pain, long-term gain: a chat about grit vs. instant gratificationBack to title by choice: helping people achieve homeownership in a positive culture“It’s never too late”: education as a solid, real-estate-like investment in yourselfLinks:Sringdale Title:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

Ashley sits down with Misty Lakes, founder of Misty Lakes Coaching LLC, to talk about identity, faith, business, and the power of intentional living. Misty shares her journey from direct sales to coaching, her passion for helping women discover their God-given purpose, and her recent decision to open a physical office space. This episode blends business insights, spiritual grounding, and practical advice for entrepreneurs looking to build a life they love.Episode Highlights:[00:02] Welcoming Misty Lakes back to the show[00:44] Misty’s coaching journey and 8-year business story[02:35] Becoming a grandma and prioritizing family time[04:17] One-on-one coaching, group programs, and new spiritual branch[09:22] Separating identity from job titles and finding true purpose[13:17] Legacy exercise: what people would say at your funeral[16:03] Why Misty opened a physical office space[18:41] Finding the right environment to focus and set boundaries[21:10] Executive suites and co-working spaces as small business resources[22:29] Misty’s advice for entrepreneurs considering a locationLinks:Misty Lakes Coaching FacebookSringdale Title:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

Ashley sits down with stylist and salon owner Amber Spurlock of Golden Hour Salon Studio to talk courage, calling, and commercial real estate. After 20 years behind the chair, Amber took a faith-fueled leap—leaving the only salon she’d ever known to purchase and renovate a historic 1912 building (formerly Berea’s jail and city hall!). They cover the nudge to start a business, navigating historic-property remodels, timelines, and practical advice for anyone considering buying their own space.Highlights:[00:02] Ashley introduces guest Amber Spurlock of Golden Hour Salon Studio[00:42] Amber’s path: 20 years in hair, salon roots, and being a single mom[03:03] Taking the leap to open her own salon after nearly two decades in one place[03:38] The “sign” moment when blinds fell during a walk-through—“Alright, she’s mine”[06:23] Buying her first commercial property and stepping into ownership[08:04] Learning to wait on God’s timing through renovations and delays[09:51] Full-circle moment: longtime mentor Nancy joins her in the new building[11:09] Building history: a 1912 structure that once served as Berea’s jail and city hall[12:51] Remodeling within historic-registry rules and tackling plumbing/electrical updates[16:27] Amber’s advice: prayer, support systems, and leaping in faith when starting a businessLinks:Golden Hour Salon Studio: FacebookSringdale Title:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

Ashley welcomes back Jackie Daugherty, co-owner of Springdale Title, to tackle some of the most common misconceptions in the closing process. From questions about escrow funds and loan details to misunderstandings around surveys, contracts, and power of attorney, Ashley and Jackie break down the details every buyer and seller should know.Whether you’re a first-time homebuyer or a seasoned real estate pro, this episode will help you better understand the role of the title company, the importance of clarity in contracts, and why protecting your personal information during closing is so critical.Highlights[00:02] Ashley introduces Jackie Daugherty and the episode focus[00:18] Clearing up the misconception: the title company is not your lender[01:32] Who actually holds escrow funds (and who doesn’t)[02:20] Why title companies only pay insurance/taxes at closing[03:18] The title company’s neutral role in the closing process[04:34] Clarifying the difference between title work and surveys[07:28] Contract issues when multiple parcels or addresses are involved[09:21] Risks of vague contracts and why surveys matter for boundary issues[10:26] Remote closings and power of attorney: what you need to know[16:16] Fraud protection, identity verification, and why safeguards are vital[16:53] Wrapping up: Jackie and Ashley preview future episodesLinkssprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this episode, Ashley sits down with Paul Lagoda of Graceland Air, live from Just Love Coffee in Berea. Paul shares his journey from pursuing a career as a chef to finding his calling in the HVAC industry. With seven children and a thriving family business, Paul opens up about balancing entrepreneurship, faith, and family.They dive into the ins and outs of HVAC services, including air quality, duct cleaning, and why craftsmanship and trust matter in every home visit. Paul also offers heartfelt advice on taking big leaps of faith—whether moving across the country or starting a business from scratch.This episode is packed with business wisdom, family stories, and practical insights for homeowners and aspiring entrepreneurs alike.Episode Highlights[00:02] Ashley introduces the episode and welcomes guest Paul Lagoda[00:47] Paul shares his journey from aspiring chef to HVAC professional[02:05] The “hero” moments that made Paul fall in love with the trades[02:45] Life with a big family—raising three boys and four girls[03:47] Beyond heating and cooling: the wide scope of HVAC services[05:40] The importance of duct cleaning and how it impacts air quality[06:55] Why showing before-and-after photos builds trust with homeowners[08:16] Bringing West Coast standards of craftsmanship to Kentucky[09:25] Service area: from Lancaster to surrounding Kentucky counties[10:35] Paul’s advice for anyone considering a leap of faith into business[12:10] The role of family support, faith, and prayer in entrepreneurship[12:54] Wrapping up live at Just Love Coffee with final thanks and takeaways

Join host Ashley Ramsey as she sits down with longtime friend Kenna Calhoun, owner-operator of Just Kenna Photography, for an intimate conversation about following your passion despite uncertainty. Kenna shares her remarkable journey from winning photography competitions in high school through 4-H to building a thriving full-time photography business over nine years. In this heartfelt episode, she opens up about the challenges and blessings of moving across multiple states with a newborn, transitioning from in-home newborn sessions to a full-service studio experience, and trusting God's plan even when it seemed "absolutely insane." Whether you're a new mom, aspiring entrepreneur, or someone seeking encouragement to pursue your calling, Kenna's story of persistence, faith, and authentic relationship-building offers valuable insights into creating a business that truly serves others while staying true to your purpose.Highlights:[00:58] Kenna's Photography Origin Story - From high school 4-H competitions to winning state fair contests, discovering her calling through family support and community programs[02:23] Breaking Barriers 20 Years Ago - The challenge of pursuing photography as a career when people asked "what are you really gonna do?" in an era before digital photography was mainstream[04:36] The Heart Behind In-Home Newborn Sessions - Kenna's original mission to make photography a blessing, not a stress, by bringing services directly to new parents' homes[06:29] Divine Studio Transition - How God orchestrated the perfect studio space after five years, transforming her business into a one-stop experience with makeup artists, breakfast, and client closets[08:58] Moving with a Newborn - Four States by Age One - The reality of supporting each other's dreams while navigating constant relocation with an infant[10:45] Two Weeks and a Move - Kenna's incredible story of moving from Kentucky to Missouri just two weeks after giving birth to her son Brooks[12:17] Advice for New Moms - Don't sweat the small details; the most treasured photos capture authentic moments, not perfect poses[13:51] Real Life vs. Christmas Card Photos - Why candid moments of kids picking their nose matter more than picture-perfect family portraits[14:55] The Pond Phone Incident - A memorable shoot where a little boy walked into water with dad's phone, becoming part of the family's treasured story[16:20] Serving Central Kentucky and Western Virginia - Kenna's current service area and contact information for families seeking authentic photography experiencesLinks:Kenna:JustKenna Photography - [email protected]:sprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

In this heartfelt episode, host Ashley Ramsey sits down with Saprina Adams, a title agent at Springdale Title's Richmond, Kentucky location. Saprina shares her personal journey from growing up as a "real life coal miner's daughter" in Eastern Kentucky to her recent surprising ADHD diagnosis at age 50. She discusses how this diagnosis has transformed her understanding of herself and provided much-needed clarity in both her personal life and her work in the title industry. The conversation explores the often-overlooked symptoms of ADHD in women, the generational patterns that went unrecognized, and the hope that comes with proper diagnosis and treatment. Saprina also reflects on her transition from the emotionally challenging world of foreclosure law to the joy of helping people achieve homeownership.Highlights00:30 - Personal BackgroundSaprina introduces herself as a "real life coal miner's daughter" from Eastern KentuckyMarried to Kevin for 31 years, daughter Alexis studying child and family psychology at EKUFamily includes 16-year-old dog Haley and three great nephews2:00 - Career JourneyStarted at Springdale Title three months agoPrevious 8.5 years in legal field including foreclosure workEmotional toll of foreclosure work: "I can remember going home crying on a daily basis because I was having to draft documents to take someone's home from them"Joy of current role: "This job gives me a reason to be able to give someone a home instead of taking it away"8:54 - ADHD Diagnosis RevelationDiagnosed with ADHD at age 50: "Being 50 years old, I never did think that that would happen"Discussion of generational differences in understanding ADHD09:38 - Generational PerspectivesHow ADHD was handled in previous generations: "it was always because, well, you've got ants in your pants or have you had too much chocolate or pop?"Memory loss from senior year basketball concussion affecting childhood memories11:31 - Family PatternsDaughter Alexis diagnosed first, encouraged mother to get testedHereditary nature of ADHD: "I can now remember my mom saying that her, my grandmother, her sisters... none of us sleep. Well, now I know why"Recognition of family-wide sleep issues and fidgeting behaviors14:34 - ADHD Symptoms DescribedMental experience: "my mind never stopped. It was like taking a computer screen and all of the tabs that you have on a computer screen were open and running all at the same time"Physical manifestations: constant fidgeting, picking at fingers and lipsConcentration challenges: "Even having a conversation with somebody, I might only get half of it because I would just blank out"17:31 - Work ImpactDifficulty prioritizing tasks: "when the computer would ding... I'd be going, I need to do that. So I would do that"Feeling overwhelmed: "I felt like I was going up a slippery slope and I was never getting to the top"Physical tension from mental overload22:11 - Medical ExplanationNurse practitioner's analogy: ADHD brain like information going through a "silly straw" instead of straight down like a normal pen23:18 - Common Signs to Watch ForConstantly moving mind with multiple "tabs" openDifficulty focusing on one taskList-making and checking off as dopamine responseRoom cleaning example: starting multiple tasks before finishing the firstProcrastination, especially with difficult tasks30:42 - Medication SuccessChose non-stimulant medication routeImmediate improvement: "the day after I took my medicine... My mind was so clear"Newfound ability to focus and reduced fidgetingAdjustment period: "it's so quiet up there, you know?"32:14 - Advice for OthersEncouragement for women to seek help: "it's okay to ask for help"Self-care message: "we've got to take care of ourselves first"33:04 - Episode ConclusionAshley thanks Saprina for sharing her personal storyDiscussion of importance of raising awareness about ADHD symptomsClosing tagline: "where we talk a little about business and a lot about life"Linkssprindaletitle.comFacebookhttps://www.linkedin.com/company/73182038Instagram

Join host Ashley Ramsey as she sits down with Echo Falwell, a licensed insurance agent with Parsons and Howard Group in central Kentucky. In this engaging conversation, Echo shares her journey from a small-town Western Kentucky girl to building a successful insurance career in Lexington. She discusses the challenges and opportunities of entering the insurance industry as a young professional, the importance of building genuine relationships with clients, and practical advice for business owners navigating insurance needs. Whether you're considering a career in insurance or looking for guidance on protecting your business assets, this episode offers valuable insights on relationship-building, client service, and professional development in the insurance industry.Highlights:00:50 - Echo's background and why she chose insuranceGrowing up in a small business family (parents owned a bicycle shop)Early experience in sales and customer serviceTransition from tourism work to insurance04:17 - Building a career foundation without connectionsSelf-studying for insurance licensing in 3 weeksProspecting for job opportunities like prospecting for clientsThe importance of face-to-face networking over online applications08:20 - Advice for young professionals entering any industry"You can't just sit at home and hope someone's gonna notice your resume online"Building confidence to walk into rooms full of strangersThe value of traditional relationship-building in a digital age09:42 - Finding your niche in insuranceFocusing on commercial insurance rather than personal linesUnderstanding your target market and ideal clientsWhy casting a narrow net is more effective than going broad16:49 - Avoiding common pitfalls for new agentsNot comparing yourself to 10-year veteransLearning from industry mentors and peersManaging emotional highs and lows: "Stay steady"20:32 - The farming analogy for insurance sales"I'm a farmer and I want to reap my field of wheat after I put all the hard work into it"Long-term thinking vs. immediate gratification21:42 - Building client relationships through educationTeaching clients to understand their policiesGoing beyond just signing papersThe importance of proper asset protection23:47 - The client consultation processComprehensive business assessment approachUnderstanding growth plans and carrier selectionWhy independent agencies offer more flexibility31:10 - Practical insurance advice for business ownersStarting workers' compensation early for better loss ratiosThe importance of understanding coverage limitsWhy regular policy reviews are essential35:49 - Best practices for small business ownersGetting insurance as early as possible in your business journeyWorking with agents who want to see you growThe value of independent agencies vs. captive agencies39:02 - Final advice: Schedule free consultations"All consultations are free"Regular policy reviews to ensure adequate coverageStaying current with business changes and insurance needsLinks:Echo Falwell | LinkedInFacebook

In this episode of Spilling the Title Tea, host Ashley Ramsey sits down with Seth Johnson, owner and operator of Exit Pest and Wildlife Solutions in Central Kentucky. They dive into the often-overlooked world of pest and wildlife issues that can impact real estate transactions. From raccoons in attics to bat infestations that have been ignored for years, Seth shares eye-opening stories and practical advice for buyers, sellers, and real estate professionals. Learn why preventative inspections are crucial, how small problems can become expensive nightmares when left untreated, and what sets local family-owned businesses apart from corporate competitors. Whether you're buying, selling, or working in real estate, this episode reveals the hidden issues that could delay your closing and cost you thousands.Highlights:00:41 - Seth introduces Exit Pest and Wildlife Solutions servicesNuisance wildlife control (raccoons, squirrels, groundhogs, skunks, bats, mice)General pest control (ants, flies, spiders, wasps)Mosquito control services02:05 - Discussion about cicadas and current brood activity03:54 - Why pre-purchase and pre-listing inspections are crucialStories of sellers hiding problems temporarilyThe importance of thorough attic inspections06:47 - Memorable service call: The 8-year bat infestationMassive guano accumulation in atticWhy waiting increases costs exponentiallyHealth hazards of bat droppings09:57 - Dangerous encounter: Protective raccoon mother in atticHow raccoons can become aggressive when protecting youngSafety considerations for wildlife removal11:42 - Most memorable job: Dead deer in swimming poolMonths of decomposition under pool coverChallenges of cleanup in in-ground pools14:42 - Early detection advice for homeownersChecking for bat droppings in atticsCatching problems before they escalate16:03 - What sets family-owned businesses apartPersonal accountability and reputationQuality over quantity approachLocal community connections17:02 - Avoiding overpriced servicesSecond opinions can save thousandsNot every situation needs extensive remediation18:16 - The value of local business relationshipsCommunity connections and accountabilityLong-term client relationships built on trustLinks:Wildlife Control & Nuisance Animal Removal | X-iT Pest & WildlifePest Control 859-797-4237Wildlife 859-595-5908FacebookInstagram

In this powerful episode of Spilling the Title Tea, Ashley Ramsey sits down with Jennifer Lainhart, Executive Director of Hope's Wings, a grassroots nonprofit organization serving domestic violence survivors in Richmond, Kentucky.Hope's Wings provides more than just emergency shelter - they offer a comprehensive three-phase program designed to help survivors achieve true independence. From crisis intervention to job training and transitional housing, their holistic approach has achieved an impressive 72% success rate for participants who complete all three phases.Jennifer shares the organization's inspiring origin story, born from a community effort by First Christian Church in 2005, and explains how they've evolved from a "band-aid station" to a Blueprint for Safety community - one of the only ones in Kentucky. She discusses the challenges of serving a population where 1 in 4 women and 1 in 9 men experience domestic violence, and how Hope's Wings works to break the cycle of abuse through education, empowerment, and practical support.Listeners will learn about the organization's unique approach to shelter design, ensuring families have private spaces while maintaining community support, and how they partner with local law enforcement and landlords to create a comprehensive safety net.Episode Highlights:00:51 - The Birth of Hope's Wings: Jennifer explains how Hope's Wings was created by the Madison County community in 2005, starting as a grassroots effort from First Christian Church01:17 - Serving the "Choosing Homeless" Population: "We serve a homeless population that are choosing homelessness because their own homes aren't safe to live in"02:04 - Staggering Statistics: The reality that 1 in 4 women and 1 in 9 men experience domestic violence, affecting a third of the nation's children04:47 - The Three-Phase Program Explained: Jennifer breaks down the comprehensive approach from crisis intervention to empowerment to transitional housing08:25 - How to Access Help: The simple process starts with a phone call to their 24/7 crisis line at 859-623-409511:49 - Family-Focused Shelter Design: Why Hope's Wings provides private bedrooms for families instead of shared spaces14:53 - Impressive Success Rate: 72% success rate for participants who complete all three phases of the program16:15 - Learning from Early Mistakes: Jennifer's candid story about a family who returned to their abuser due to lack of comprehensive support in the early days19:53 - Blueprint for Safety Community: Hope's Wings' role in creating community-wide policies for addressing domestic violence through evidence-based prosecution20:28 - How the Community Can Help: Practical ways to support through donations, supply drives, and volunteer opportunities22:02 - Respectful Volunteering: Why Hope's Wings focuses on behind-the-scenes volunteer work to preserve residents' dignity24:39 - Jennifer's Advice: "Call us when you have a moment and it's safe for you to do so. There's no pressure... but we'll listen to you."LinksHope's Wings – Domestic Violence ProgramFacebook24/7 Crisis Line: 859-623-4095Email: [email protected]

In this special episode of Spilling the Title Tea, owners Ashley Ramsey and Jackie Daugherty team up to answer the most common questions they receive at Springdale Title. They break down the complexities of DOWER rights across different states, explain why their wire transfer security protocols are so important, and clarify the benefits of owner's title insurance policies. Whether you're buying or selling property, this educational episode provides valuable insights to help you navigate the closing process with confidence.Highlights00:02 - Introduction to the FAQ format episode with Ashley and Jackie 00:29 - Why understanding DOWER rights matters in real estate transactions 01:37 - Kentucky's marriage requirements for property transactions explained 03:07 - How DOWER rights differ in Tennessee compared to Kentucky04:22 - Differences in property rules across states (Indiana vs. Kentucky/Ohio) 05:41 - Ensuring legal compliance in property transactions 05:53 - Discussion on wire fraud protection measures 06:53 - Why Springdale Title uses enhanced security protocols for wire transfers08:36 - Educating clients about wire fraud prevention 10:14 - Benefits of owner's title insurance policies, especially legal fee coverage 11:00 - Difference between owner's and lender's title insurance policies 12:35 - The expanded title insurance policy option explained 14:44 - Why title insurance matters even for new construction properties 15:47 - Real story about a builder constructing a house on the wrong lot 17:13 - Information about additional FAQ resources on SpringdaleTitle.comHome - Springdale Title, LLCAshleyFacebookJackieFacebook

In this episode of Spilling the Title Tea, Ashley Ramsey sits down with Sandy Adams, owner of Century 21 Pinnacle in Madison County, Kentucky. Sandy shares her unexpected journey into real estate after her husband enrolled her in real estate school without her knowledge - a decision that led to a thriving 23-year career. Beyond running her brokerage with 30 agents, Sandy discusses her passion for community building through her coffee shop, Just Love Coffee Cafe, which hosts community events, business expos, and much more. She offers valuable insights on surrounding yourself with the right people, handling business challenges, and building a legacy focused on values rather than material wealth. Sandy's story is a testament to embracing unexpected opportunities and using business success to create meaningful community impact.Episode Highlights00:15 - Ashley introduces Sandy as a "jack of all trades" with vast knowledge across multiple fields00:37 - Sandy shares her background from paralegal to reluctant realtor after her husband enrolled her in real estate school01:56 - How Sandy initially hated the idea of real estate but eventually found her passion04:11 - The unexpected growth of Sandy's brokerage from a solo operation to 30+ agents06:16 - How Sandy acquired Just Love Coffee Cafe and her original plans for the building07:25 - Just Love's role as a community hub hosting various events and supporting local businesses09:30 - Sandy's philosophy on surrounding yourself with the right people and being the "driver of your bus"10:51 - Handling the challenges when the "right people" turn out to be wrong for your team12:15 - Sandy's approach to personal growth inspired by Mel Robbins' "Let Them" philosophy12:52 - Sandy discusses her legacy and focus on her grandchildren rather than material wealth16:02 - The touching story of Sandy's grandfather and how his generosity continues to inspire her todayLinksSandy Adams, CENTURY 21 Real Estate Agent in Berea, KYFacebook

In this episode of Spilling the Title Tea, Ashley Ramsey reconnects with Kreg King and Nick Steinhauer, co-branch managers of Thrive Mortgage Columbus, nearly a year after their previous appearance. They discuss personal updates, their successful Red Bull event that attracted nearly 400 attendees, current mortgage rate trends, economic predictions regarding inflation and unemployment, and their forward-thinking approach to cryptocurrency in mortgage transactions. Learn why mortgage rates in the mid-6% range are becoming the "new norm" and what might be on the horizon for the economy in 2025.Episode Highlights00:33 - Personal life updates from Craig and Nick05:27 - Their annual Red Bull event that more than doubled in attendance06:27 - Review of their previous rate predictions and how accurate they were08:08 - Discussion of potential Federal Reserve rate cuts in 202508:39 - Explaining stagflation and its current impact12:10 - How consumers are adapting to higher mortgage rates14:33 - The importance of rate stability in the market15:09 - Are we already in a recession or heading into one?18:19 - Why some recessions can be beneficial for the economy19:57 - Using cryptocurrency for home purchases22:53 - The importance of adapting to new technologies in the mortgage industryLinksMeet The Team at Thrive Mortgage Columbus Ohio - Thrive Mortgage - Columbus, Ohio - Kreg King and Nick SteinhauerFacebookFacebookInstagramInstagram

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

In this episode, James McGuire owner of Owner of Upward ProWash shares his journey of leaving a secure corporate job to focus on his family and build a business aligned with his values. He and Ashley Ramsey discuss the challenges of transitioning from traditional employment to entrepreneurship, the importance of real-world education, and the rewards of investing in family life. They explore how faith, personal growth, and a shift in mindset can lead to a more fulfilling and purpose-driven path.Episode Highlights:[00:00] Introduction and setting the stage[16:17] The gap between academic learning and real-world experience[18:23] The changing landscape of childhood and education[20:32] Redefining success: Beyond traditional career paths[22:12] The courage to put family first[23:29] The impact of strong family foundations on society[24:05] Advice for those considering entrepreneurship and homeschooling[26:25] The power of “because goals” in making life-changing decisions[27:46] Shifting identity: From corporate job title to entrepreneur[28:54] Final thoughts: Stop waiting—start building the life you wantResources & Links Related to this EpisodeJames McGuire, Owner of Upward ProWash Pressure Washing Service - Richmond, Lexington Kentuckyupward prowash - Search Results | Facebook

In this episode of Spilling the Title Tea, Ashley Ramsey welcomes Bryan Baker from Craftsman Contractors. They discuss the importance of hiring reputable, local contractors, especially after storm damage. Bryan shares his personal experiences with storm restoration, the risks of out-of-town contractors, and the value of working for a company that treats employees like family. Plus, hear inspiring stories about going above and beyond for clients in times of need.Episode Highlights:00:02 – Introduction to Bryan Baker and Craftsman Contractors01:09 – Bryan’s journey with Craftsman Contractors and the company’s values02:14 – Creating a family-like company culture03:24 – The risks of storm-chasing contractors and why local expertise matters04:43 – How storm victims are left stranded by out-of-town contractors06:07 – The importance of working for a reputable company07:10 – Going above and beyond: Personal stories of helping customers beyond contracting work08:09 – Answering a customer’s call at 6:30 AM for a beeping smoke detectorThis episode is a must-listen for homeowners, real estate professionals, and anyone who values quality service and local business integrity.Resources & Links Related to this EpisodeBryan Baker with Craftsman ContractorsRoofing Contractor in Richmond, KY - Craftsmen Roofing and ExteriorsFacebook

In Episode 51 of Spilling the Title Tea, Ashley Ramsey sits down with Fredith Skaife from the Oak Ridge, Tennessee branch to discuss her extraordinary journey. From moving 36 times, navigating personal challenges, and building resilience, to finding strength through faith in the face of unimaginable loss, Fredith’s story is one of inspiration and perseverance. This episode highlights the beauty of overcoming adversity, the impact of organ donation, and the power of family and faith.Episode Highlights00:01 – Introduction and BackgroundAshley Ramsey introduces Fredith Scaife and teases Fredith’s fascinating journey from California to Tennessee.00:36 – Childhood and Early LifeFredith shares her upbringing in Los Angeles, her family’s move to Texas, and how a breakup led her back to California.01:54 – Marriage, Family, and the Move to TennesseeFredith talks about her marriages, her sister’s influence, and how she eventually relocated to Oak Ridge, Tennessee.02:27 – Resilience from Moving FrequentlyFredith reflects on how moving 36 times throughout her life impacted her ability to make friends and build resilience.05:09 – Heartbreaking Loss of a ChildFredith opens up about the loss of her daughter due to complications from spina bifida, highlighting her daughter’s impact as an organ donor.07:13 – Faith Through TragedyFredith describes how her faith helped her see her daughter’s passing as part of a bigger plan, which ultimately led to positive life changes.08:50 – Parenting a Child with Asperger’s and Vocal Cord ParalysisFredith shares her experience raising her son, who spent time in the NICU, and her initial fears after his birth. She highlights his brilliance and generous heart despite the challenges.09:28 – Perspective on Life and ResilienceFredith reflects on how her life experiences have shaped her strength, resilience, and outlook on life.

In this eye-opening episode of Spilling the Title Tea, Ashley Ramsey sits down with Stephanie Baker from Comprehensive Benefit Solutions to uncover the alarming reality of identity theft, title fraud, and the ripple effects they can have on your life. Stephanie shares real-life stories from her 17 years of experience, highlighting how breaches can affect not just your credit but every aspect of your identity—from tax fraud to title fraud, even impacting children. Learn about proactive measures, the importance of monitoring, and how companies like ID Shield can restore your peace of mind. This is an episode you can't afford to miss if you want to protect yourself, your family, and your future.Episode Highlights00:15 – The Growing Issue of Identity TheftDiscussion on the rise of identity theft, including wire fraud incidents in the mortgage industry.01:39 – Beyond Credit: The Depth of Identity TheftStephanie explains how identity theft extends beyond bank accounts to mortgages, loans, and more.03:00 – Real Estate Impact: Title Fraud & Credit IssuesHow identity theft affects home buying, title fraud, and unexpected property liens.04:39 – ID Shield’s Comprehensive ProtectionStephanie shares ID Shield’s approach to monitoring, licensed investigators, and restoration services.06:20 – Personal Experience with Title ErrorStephanie recounts a personal story about receiving an incorrect tax bill due to a title filing issue.08:08 – Monitoring in Action: Address AlertsHow ID Shield’s address monitoring feature flagged potential issues early.08:25 – Comprehensive Benefit Solutions: More Than Identity TheftOverview of additional services, including Legal Shield, offering legal advice and will preparation.09:44 – The Importance of Having a WillStephanie shares emotional stories from her time as an oncology nurse, highlighting why wills are critical.Resources & Links Related to this EpisodeHome - Springdale Title, LLCStephanie Boley Baker - LegalShield Associate859-248-4332

Have you ever thought about how much insurance could save you from a disaster—or how fast things could go wrong without it? In this episode I’m joined by Katie Farthing, a State Farm agent who owns her own agency in Lancaster, Kentucky. Katie has decades of experience to bring to the mic to help us talk about the role of insurance in real estate and beyond.From why you should never leave insurance quotes until the last minute when buying a home to how knowing the age of your roof or plumbing could save you thousands, Katie covers it all. She also shares some crazy stories from her years in the business, including navigating claims after a tornado and the importance of working with a local agent who knows you personally. Whether you’re a first time homebuyer, a seasoned property owner or just curious about how to better protect your stuff, this episode is full of tips and info you can’t afford to miss.Episode Highlights: [01:08] The title industry and insurance go hand in hand, because you need both of them when you're buying a property.[01:46] Katie was 6 months old when her father started his insurance agency.[02:10] When home buying, you get a list of things you need to do. Insurance is on the list, but people still wait till the last minute. It's a good idea to start the quoting process earlier.[03:01] Agents need a lot of information about the house. They use this information to calculate the replacement cost. Replacement cost and market value can be two different numbers.[04:34] An insurance agent can also help you get the best information possible.[05:39] Get an inspection when buying a home.[06:04] State Farm has a third party that does home inspections. They do an exterior inspection and look for things that are at risk for the insurance company.[08:28] An older roof could have issues you don't even know about.[09:03] Insurance companies may have a list of names of reputable people that they could refer to you.[09:49] When you have a crisis, you want to call a person. That's where a good agent comes in.[10:13] In 2009, there was an ice storm and then a tornado. A tornado hit Katie and her husband's property. The tornado demolished their tobacco barn.[11:03] This was her husband's safe spot, and they also had farming equipment and personal property there.[12:01] Claims take time. It's also really confusing, and people will have questions. Katie's office has a dedicated claim assistant who helps people through the whole claim process.[12:40] Some agents can also directly write checks.[13:14] Katie's mission is to help people. She loves how State Farm is backed by a lot of technology but also has local agents.[14:03] Having somebody who will stick with you during the whole process even if it takes a year is extremely valuable.[15:02] Why things aren't covered also has to be explained.[15:50] It's important to meet with your agent every few years. Changes happen. [17:10] You don't have to insure everything you own, but you need to cover what you need to operate your property.Resources & Links Related to this EpisodeHome - Springdale Title, LLCKY Auto & Home Insurance Agent Katie Farthing - State Farm®Katie Farthing - Facebook(859) 792-1512

The title industry is not just about business; it’s about the people behind the scenes. In this episode we’re going in deep. Joining us is Trevor Daugherty from our Oak Ridge, TN office who has been with us almost a year. Trevor shares his story of transitioning into the title industry, overcoming personal challenges and the mental health struggles he’s faced. From resilience to self growth Trevor will leave you motivated to take on whatever life throws your way. Trevor shares openly about his life experiences including a bilateral cleft lip and palate and overcoming workplace challenges. He also shares practical tips for managing mental health, building resilience and finding strength in the tough times. Whether you need inspiration, connection or just a little motivation this episode has it all. Let’s get into Trevor’s story.Episode Highlights: [01:15] Trevor's transition from banking to title has been a great change for him. He's had a handful of different jobs, but this leap was a good one.[02:10] We learn about the obstacle of being born with a bilateral cleft lip and palate. He had 15 surgeries and his speech was affected. In elementary school, he had to go to speech class.[05:20] He's learned a lot in the last 26 years dealing with people who may judge him for his speech.[06:46] Mental health struggles have also been another issue in his life.[07:14] Half the people in the world are sad and depressed or have anxiety or some form of mental health issue.[08:44] Most people have been through it one way or another, and Trevor has learned to help others.[09:33] Talking about issues and letting people know it's okay to reach out for help is a positive step.[12:29] Finding a go-to when you feel down and have an episode.[13:10] Make a list of things in your toolbox that you can use when you're going down the wrong path.[14:13] The power of small wins and doing something. Learning to steer your mind away from negative thoughts.[16:13] Trevor shares his advice for his younger self.Resources & Links Related to this EpisodeHome - Springdale Title, LLCTrevor Daugherty - LinkedInSmileTrain

Making the switch from title services to nonprofit work isn’t an easy leap, but for Sydney Ziebold, it was the right one. She’s the Development Coordinator for People Working Cooperatively (PWC), a nonprofit making a huge difference in the lives of low-income, elderly, and disabled homeowners. In this episode, Sydney shares her story of leaving the title industry to pursue work that fills her cup in a deeper way. Today, I’m excited to welcome Sydney to the show. She’s here to talk about PWC’s mission and the life-changing services they provide, from emergency repairs like fixing plumbing and HVAC systems to making homes more energy-efficient and accessible with ramps and grab bars. Sydney explains how PWC looks at homes holistically, ensuring their clients can stay healthy, safe, and comfortable in the place they call home.During our conversation, we dive into how PWC impacts the community and why their work matters so much. Sydney also shares how you can get involved, whether through volunteering, donating, or simply spreading the word. If you’ve ever thought about making a career shift or just want to learn more about supporting your neighbors, this episode is full of inspiration and practical ideas.Episode Highlights: [00:54] Sydney used to be a Springdale Title family member. She may be working elsewhere, but she's still part of the family.[01:06] She's also the voice of the intro and outro of this podcast. Sydney was instrumental in getting this podcast up and running.[02:13] Sydney ended up at People Working Cooperatively, because she wanted something that filled her cup a little more.[02:54] PWC is a nonprofit out of Cincinnati, Ohio. They provide services from Dayton, Ohio to Northern Kentucky counties.[03:15] They are a construction company that does home repairs and energy conservation for free for low-income, disabled, and elderly people.[04:10] Having a safe environment has an effect on people's mental health.[05:11] They have about 80 trades people, and they also have volunteers. They also add ramps and grab bars and also focus on emergency repairs and things like insulation and weather stripping.[06:44] Lead abatement is also something they work on. [07:30] They look at the homes in a holistic way.[10:12] The importance of staying healthy and active and keeping up with your health. At the end of the day, people want to stay in their homes.[11:26] If you're interested in finding out if you qualify for services from PWC, you can call the client services department at 513-351-7921.[12:03] Eligibility is based on income and other factors like location and number of people in the home. There is a waiting list, and they've serviced up to $3,500 homes in a year.[12:53] Emergencies like no running water or electricity are prioritized.[14:24] PWC is always looking for skilled trades people and volunteers.[16:31] We learn about yearly events like Prepare-A-Fair and Repair-A-Fair. [17:14] Another way people can help is by spreading the word about PWC.[18:03] Donations are also a great way to create a positive impact on the community.[19:23] It can make a huge impact when you just give your neighbors a minute of your day.Resources & Links Related to this EpisodeHome - Springdale Title, LLCFor more information on PWC services and to apply, please contact our Client Services department at (513) 351-7921.If you’d like to learn more about PWC education and prevention services, please call (513) 482-5105.People Working CooperativelyPeople Working Cooperatively - FacebookPeople Working Cooperatively - LinkedInPeople Working Cooperatively - InstagramPeople Working Cooperatively - YouTube

Did you know that thousands of children in the U.S. go to sleep every night without a bed to call their own? It’s a stark reality, but one that our guest, Kevin Thornsberry, co-president of the Richmond, Kentucky chapter of Sleep in Heavenly Peace, is working to change. This inspiring episode looks into SHP’s mission to give every child a comfortable place to sleep, meeting a crucial need in our communities that’s often overlooked. Kevin shares heartfelt stories of how this organization came to life, the powerful sense of community that builds with every bed, and the profound ripple effects that a simple act of kindness can spark in a child’s future.So, grab your tea and tune in as Kevin opens up about resilience, community, and the life-changing impact of giving a child a place to rest their head. This conversation may just inspire you to make a difference!Episode Highlights: [01:18] Not every child has a space of their own with a bed. Sleep in Heavenly Peace recognizes that problem. They build beds for kids who don't have beds.[02:11] It's a national organization with over 300 chapters. The Richmond chapter got started when Kevin found out there were kids who didn't have beds. He was also doing some amateur woodworking at the time.[04:09] Mike Rowe did a show called Pay It Forward and he highlighted the organization of Sleep in Heavenly Peace.[04:41] It's now been their 5th year, and they delivered almost 800 beds.[07:57] They are a nonprofit, so donations are definitely the driving force.[09:59] People who want to help can sign up and volunteer directly through the website.[10:28] Anyone can help, they have a fantastic assembly line process. No experience required.[11:23] Local businesses and organizations are also a cornerstone for what they do. Their next build involves Century 21, Jet Financial, and Bluegrass Mortgage.[12:59] Lunar Fitness hosted a 5k on their behalf.[15:13] Kevin shares memorable moments and the impact their organization has had.Resources & Links Related to this EpisodeHome - Springdale Title, LLCKY-Richmond - Sleep in Heavenly Peace (shpbeds.org)Sleep in Heavenly Peace Facebook

Life's unexpected turns often lead us to our true calling, as our guest today can attest. Mary Beth Randolph Haun, a mortgage banker with Stockton Mortgage in Knoxville, Tennessee, shares her unexpected path into the mortgage industry and opens up about a deeply personal experience that reshaped both her professional and personal life.In this heartfelt conversation, Mary Beth recounts her journey from aspiring veterinarian to seasoned mortgage professional. She discusses her son’s battle with leukemia and the challenges of balancing work with his intensive medical needs. As he recovered, Mary Beth faced new challenges in re-entering the mortgage world, compounded by the changes brought on by the COVID-19 pandemic.Throughout the episode, Mary Beth emphasizes the importance of authenticity in business and life, reflecting on how sharing her family's journey has resonated with others. Join us as we explore Mary Beth's inspiring story of resilience, faith, and her renewed focus on serving her community through her work in the mortgage industry.Episode Highlights: [00:59] Mary Beth has been in the mortgage industry for years. She thought she wanted to be a veterinarian, but soon discovered she had another calling. [02:43] She landed a job with a lending company that dealt with farm products.[03:07] She continued to broaden her mortgage and lending knowledge. Sometimes we don't always know where we're going in our lives. It's okay if your plan changes.[04:01] She enjoys helping people get into homes, and she enjoys the flexibility of her career.[05:05] When her son was four, he became ill and was eventually diagnosed with leukemia.[07:49] Sometimes we get overwhelmed in life, and we just need to slow down and take it moment by moment.[08:11] Mary Beth's son is now 10 years old, and he's thriving.[08:49] After her son started getting better, COVID came onto the scene. Everything has changed since then.[10:02] Mary Beth is thankful to come out of the other side and be where we are now.[11:20] Her son was very resilient and hit the ground running.[13:18] Mary Beth decided to embrace social media and let people know she was still in the mortgage industry. [15:14] It's her primary goal to get the word out there. People enjoy seeing honest representations of yourself whether it's business or just fun things in your life.[16:09] Buying a home is a huge decision. Clients should look for someone who they feel comfortable working with.[17:02] Mary Beth has been making videos on Facebook, and she loves supporting her community and her son Holston.[18:43] Life's not perfect, and more people seem to relate to the ugly.[19:37] People have reached out and related to her messages even if there are flaws.Resources & Links Related to this EpisodeHome - Springdale Title, LLCMary Beth Randolph Haun - Stockton MortgageMary Beth Randolph Haun | FacebookTEAM HOLSTON | Facebook

How often do we hear about someone making a big professional change that completely transforms their life? Today's guest, Aimee Kidd of Peace of Mind Counseling in Richmond, Kentucky, is one of those inspirational people.Aimee switched from broadcast journalism to therapy, demonstrating that it is never too late to pursue your genuine passion. In this episode, she discusses her experience, debunks some prevalent beliefs about therapy, and emphasizes the significance of normalizing mental health care.This show is packed with valuable takeaways, whether you're thinking about changing careers, exploring therapy, or simply seeking personal growth. So sit back, relax, and prepare to explore mental health and entrepreneurship with Aimee Kidd!Episode Highlights: [01:18] Aimee was born a helper. She says it's in her DNA.[01:40] She earned a degree in broadcast journalism. Her dad was in broadcasting and she wanted to follow in his footsteps.[02:36] When she achieved her journalism career she realized that she still wanted to help people. She did some soul searching about what that would look like.[02:58] She ended up enrolling in a masters program for counseling.[03:34] She wanted her clients to feel peace of mind after a session and Peace of Mind counseling was born.[04:30] It's never too late to change your mind or find the career that you truly are called to do.[05:41] Her journalism skills have really helped her to communicate with her clients today.[07:05] Aimee shares her journey with her new office space and owning a commercial property. [12:05] After a long search they found the perfect place.[12:26] We learn about what Peace of Mind has to offer from the incorporation of butterflies to reminding clients that they are capable of transformation.[13:35] They offer a wide range of counseling specialties.[15:12] Trauma impacts different people differently.[17:28] Sometimes it's helpful to have another perspective and have someone look at things in a non-judgmental way.[20:35] We need to normalize getting help with our mental health. Resources & Links Related to this EpisodeHome - Springdale Title, LLCPeace of Mind CounselingPeace of Mind Counseling Facebook(859) 353-8568

We're expanding our horizons beyond our usual real estate niche. We're diving into the world of HR with our special guest, Chase Nicely, owner of Equip HR Solutions. Chase brings a wealth of knowledge and a unique perspective on how HR impacts businesses across all industries, including real estate. She is also the host of the Overall HR Podcast.Join us as we explore Chase's journey from aspiring pharmacist to HR guru, discuss the importance of evolving in business, and learn how HR can be a powerful tool for both employers and employees. Whether you're a business owner, manager, or employee, this episode promises to bring you valuable insights on creating a better work environment through effective HR practices.Episode Highlights: [01:43] Chase thought she wanted to be a pharmacist. She became a pharmacy tech at Rite Aid. [03:55] As she was continuing her college education she fell in love with HR. After graduating she landed a job as a consultant in Lexington.[04:59] She ended up working for the City Center Hotel and eventually became an HR Manager. Her career got in there because she became a mother and realized she needed to work in a different way.[08:20] You don't have to know everything right now and it's okay to explore.[10:02] HR pushes people to evolve in a way that's engaging for all the key players.[11:59] Chase tells people that you can't spell your heart HR.[12:42] HR doesn't have to be scary.[16:03] When Chase worked for Springdale Title she made things more efficient. [17:35] In business, we don't know what we don't know.[19:53] A lot of business owners don't realize that HR is an option for outsourcing.[20:55] Her focus is making sure that other businesses are taken care of.[22:20] We can acknowledge where we're at and we don't have to be so serious.[23:23] Loving people best is about being consistent.[25:57] It's really about creating an environment one initiative at a time.Resources & Links Related to this EpisodeHome - Springdale Title, LLCEquipping You With HR Solutions (equiphrsolutions.com)FacebookOverall HR Podcast Podcast Series - Apple Podcasts

I’m excited to sit down with Teri Kitchen, a manager at the Springdale Title Pensacola, Florida branch. She’s a veteran of the title industry with an impressive 40-year career. We discuss technological changes, industry challenges, and a very personal challenge that Teri has been through. Our journey begins with the evolution of the title world, from microfilm and massive computers to today's digital landscape. We learn insights on weathering industry storms, including the 2008 recession and the recent COVID-19 pandemic, offering a unique perspective on how the title industry has adapted and thrived.But this episode isn't just about business. Teri opens up about her personal battle with lung cancer, demonstrating how the skills honed in her professional life helped her navigate this challenging personal chapter. Her story is a powerful reminder of the importance of preventive healthcare and the strength we can draw from our professional experiences in times of personal crisis.Episode Highlights: [01:01] Teri began working in the title industry in 1984. She began working in microfilm and working her way up to examiner and then took advantage of a closing opportunity.[02:14] Before everything was digital, microfilm was a way to access public records.[03:44] The title industry has definitely embraced technology.[04:49] The industry has been through many ups and downs, but the 2008 recession was the hardest hitting.[06:09] COVID was also a crazy time, because everybody wanted to buy and interest rates were really low.[10:49] Teri also has a personal victory to share. Last year, she was diagnosed with lung cancer. She had a tumor but radiation was able to get rid of it. Now she just does maintenance scans.[11:30] She had a wonderful oncologist, and she's doing really well.[12:23] The reason she was able to cure her cancer so quickly was because she had a preventative lung scan which detected it early.[13:43] Teri's advice is to listen to your doctor and follow their instructions.[14:48] It's so important for people, especially women, to take the time to take care of themselves.[16:43] Being able to juggle the chaos of all of the changes in the title industry, helped prepare Teri to deal with her diagnosis and treatment.[19:06] A cancer diagnosis will also make you realize the importance of being surrounded by family and friends. It gives you perspective about who and what you want in your life.Resources & Links Related to this EpisodeHome - Springdale Title, LLCTeri Kitchen Springdale Title Pensacola FLTeri Kitchen LinkedIn

I am excited to welcome my guest, Taylor Workman to the show. Today we are doing something slightly different. Instead of talking about the world of real estate, mortgages, and the title industry. We’re bringing insights that can benefit not just our regular audience of borrowers, but also agents, loan officers, and businesses across various sectors.Taylor is the co-owner of Envision AI Solutions. She brings a unique perspective to the tech world, with a background in education and classical music. Her company's mission? To make AI and cutting-edge technology accessible to businesses in their community.Get ready for a fascinating discussion on how AI can revolutionize your business operations, regardless of your industry. Whether you're one of our partners in the real estate world or a business owner looking to stay ahead of the curve, today's episode promises valuable insights and practical solutions. Episode Highlights: [01:22] Taylor is one of the co-owners of Envision AI Solutions. They have the goal of making AI and Technology available to businesses in their community.[01:44] Taylor has a background in education, and she's a classically trained musician. [02:01] At her core, she wants to provide value and help people thrive. At one point in her life this was teaching music. Now, it's providing value to business owners in the community.[03:00] AI has been rapidly evolving for quite some time. We can't stop the evolution of technology. We can use it to make our lives easier.[04:02] Technology can free up our time and allow us to reach more people.[05:08] Think about just removing one hat from an overworked business owner and where that time and productivity could go.[05:46] Taylor shares some of the solutions Envision AI offers including CALL-E an AI voice assistant service. When trained, it can integrate with systems you already have, knows your business well, and can even answer the phone.[07:14] They also build business automations with a CRM system that can automate marketing.[08:05] Taylor shares examples of some of the cool automations that they can build. They also provide other digital solutions including social media help and building websites.[09:38] CALL-E could do client call backs and answer questions. [11:27] The future and what the stuff will look like is mind-blowing.[12:15] Embracing AI can give you the competitive advantage.[16:16] AI is a solution for saving time.[17:45] Taylor talks about innovative ideas where they're trying to use AI in their Community such as a mental health support line.[18:34] Sacred Support is AI trained on the Bible. There are a lot of opportunities for something that is interactive and trained to do a certain job.[20:05] It's wonderful that part of their innovation is about helping the community.[21:31] A live call with Sacred Support. [23:12] They are open to feedback and suggestions on using this technology. [24:16] A story about how the Sacred Support hotline has helped a visually impaired grandmother.Resources & Links Related to this EpisodeHome - Springdale Title, LLCEnvision AI Solutions InformationFacebook: Envision AI SolutionsWebsite: envisionaisolutions.comInformational Number: (251)714-8154Direct Line: (859) 575-0346 - Taylor's Direct LineEmail: [email protected] | [email protected] InformationFacebook: CALL-EWebsite: call-e.aiInformational Number: (229) 404-5629Direct Line: (859) 575-0346 - Taylor's Direct LineEmail: [email protected] | [email protected] Support Hotline: (757) 720-1260

Have you ever wondered what it truly takes to navigate the complex and often overwhelming world of home buying? Whether you're a first-time buyer or a seasoned homeowner, the journey is full of twists and turns. Today, we’re exploring the real estate market with someone who knows it inside and out.Our guest today is Dave Osberg, a Branch Manager at Stockton Mortgage in Fort Thomas, Kentucky, who has spent nearly three decades helping people achieve their dreams of homeownership. But it’s not just about securing a loan; it’s about understanding every step of the process, from preparation to the final signature on the dotted line.In today’s episode, we’ll uncover Dave’s invaluable advice for buyers in this crazy market, as he calls it, and discuss the importance of being fully prepared before diving into a home purchase. We’ll also touch on some lesser-known tips, like how to protect your personal information from being sold by credit bureaus.So whether you’re in the market for a new home, thinking about refinancing, or just curious about how the mortgage industry really works, you won’t want to miss this conversation. Get ready to learn from one of the best in the business. Episode Highlights: [01:25] Dave discusses the current real estate market, describing it as "crazy" and full of challenges for both buyers and sellers.[04:19] The importance of buyers being fully prepared including understanding their finances and getting pre-approved with a loan officer.[05:09] Dave shares insights on protecting personal information from being sold by credit bureaus, which is a lesser-known issue for many buyers.[07:16] Get pre-approval and have your income vetted.[08:26] It's important to really understand what your loan looks like. Get pre-approved, have an approval letter, and understand your options with a loan consultation.[10:21] Special programs that meet a buyer's needs can be highlighted during the loan consultation.[12:08] Be involved with the realtors who are involved with your transaction.[14:46] Dave takes his job seriously and takes care of his customers the way he would want to be taken care of.[16:59] Dave loves working at Stockton Mortgage and taking care of his clients.[22:36] Reach out to Stockton Mortgage for your home-buying needs.Resources & Links Related to this EpisodeHome - Springdale Title, LLCDave Osburg | LinkedInDave Osburg FacebookDave Osburg - Stockton MortgageOptOutPrescreen

Title insurance is more important than people realize. Today, I’m talking about everything title-related with my friend Tammy Robbins. She serves as the Sales and Marketing Manager for the ALMA region of the Fidelity National Financial family of companies.In this episode, we dive into the critical role of title insurance in our real estate transactions. Tammy shares insights on how title insurance ensures the collection of taxes, liens, and back child support, and discusses the often-overlooked value it provides in protecting property owners from unforeseen issues.We also cover fraud in title insurance, shedding light on schemes like seller impersonation fraud and the innovative tools Fidelity uses to combat these threats. We’ll learn about the importance of thorough verification processes and the significant consequences of waiving title insurance.Bird lovers will enjoy hearing about Tammy’s photography passion. She talks about Alabama’s many birding trails, the beauty of nature, and the wonder of migrations. We also learn how her photography has helped connect her with others.Join us as we uncover the importance of title insurance, the fight against fraud, and the personal passions that drive Tammy in this insightful and engaging conversation!Episode Highlights: [01:01] Tammy is a sales and marketing manager for the ALMA region of the Fidelity Family of Companies. ALMA stands for Alabama, Louisiana, Mississippi, and Arkansas.[01:15] She's been in the title insurance business for about 35 years. As a senior in high school, she began a part-time job at a title company in her hometown.[01:46] After getting a degree in marketing, she continued to work in the title business.[03:18] Even though the concept of marketing is the same, modern implementation is different.[03:46] Tammy's biggest hobby is photography. She began 14 years ago.[04:19] She became fascinated with photographing birds. Sharing her photos on social media has also become a connector for her and other people.[06:36] She also loves photography of nature, sunsets, and flowers. [06:55] The Alabama Birding Trails highlight areas where you can see birds and bird migrations during the different seasons.[09:14] Dauphin Island is an amazing place to see the spring bird migration.[09:55] A big topic in the world of title insurance right now is fraud.[10:07] Common fraud schemes include seller impersonation fraud. This is where someone impersonates the owner of land or vacant property. The fraudster contacts a realtor and actually lists the property for sale.[11:37] They usually want the property listed below market value and want a quick cash sale.[12:20] The realtor sends the documents to the title company who then sends it back to the fake seller. The money is wired, and it can take months to discover what has taken place.[13:08] A $200,000 lot was sold by a fraudster impersonating the owner. A lot of these properties could be lake lots or coastal properties.[13:48] Fidelity has a new tool that helps agents plug in a property address and check tax records and verify the owner of the lot.[14:08] Agents are encouraged to send a letter to the address on the tax records just to make sure the real owner is aware of the potential sale. [14:37] They also use a third party source to verify IDs.[15:57] The expertise of title insurance agents can help straighten out these issues.[16:40] All of the fraud is preventable, but it's not easy in a fast-paced environment. They also verify wiring instructions or send a check to avoid wire fraud. [19:31] Waving title insurance during home purchases will create more expenses in the long run.[20:02] Agents can do a better job of explaining the importance of what they do.[21:53] Title companies are also instrumental in collecting back taxes and child support and things of that nature.[24:40] Without the title insurance policy, the insured would be on their own when there are claims against their property.[25:57] AI and how it will affect our industry further. Deep fakes seem very real. [27:14] Bad actors will use as much automation as possible.[28:10] Just be on the safe side, treat every file as if it were a fraudulent transaction until you know it's not. We also need to control the notary and independently verify wire transactions. We also need to educate realtors.Resources & Links Related to this EpisodeHome - Springdale Title, LLCTammy Robbins FacebookTammy Robbins LinkedInAlabama Birding TrailsAmerican Land Title Association

I'm excited to have my friend Lindsey Paulson on the show today. Lindsey is a woman who wears many hats. She’s the COO of Mulberry Builders and the owner of LP Consulting. Lindsey loves organization and helping people. She has merged these two passions into both her career and nonprofit success.We learn how her passion for organization and business led her to rise from office manager to COO after the upheaval caused by COVID-19. We also discover how she used her business skills to start her consulting business, helping even more business owners.Lindsey is also involved in several nonprofit organizations, including Enrich in Richmond, KY, Redeeming Hope, and St. Jude Children's Research Hospital. She loves giving back, and her motto is to turn messes into missions. Lindsey truly lives what she believes in, as we explore in this inspiring conversation.Episode Highlights: [01:00] She oversees the production team, CFO and financial team, sales & marketing, and admin at Mulberry Builders. She reports everything back to the principal builder and principal designer.[01:47] She joined Mulberry Builders as the office manager. Her husband and the owner are both firefighters.[02:46] How she went from office manager to COO. [07:00] Lindsey also runs LP Consulting. She loves going into small businesses and creating action plans for people. [09:05] In school, Lindsey focused a lot on organizational psychology. As a company gets bigger, there are a lot more personalities and potential issues to deal with.[09:32] Holding someone accountable for the systems you have in place protects the business owner as well.[10:24] There's an app for everything and a lot of them are free.[11:24] When Lindsey isn't involved in processes, she loves helping nonprofits. Mulberry is very involved in building the St Jude's Children's Home. They're also helping to build the Redeeming Hope property. LP Consulting is also involved with Enrich here in Richmond, KY. [11:47] Lindsey is really focused on nonprofits right now. She's focused on people who've made messes in their lives and have turned into missions to give back to the community. Messes into missions.[12:53] One dream home will cover one child's cancer treatment. Redeeming Hope is focusing on female human trafficking. She also did a workshop with Enrich finding second chances for people in the community. [14:15] She's been focused on helping people make their messes into missions.[17:22] Enrich is doing huge things to make an impact on the community.[18:03] She feels she's been put on this Earth to drive people to success.[22:25] As human beings, we need to reach out and let people know that they do have value.Resources & Links Related to this EpisodeHome - Springdale Title, LLCLP Consulting FacebookMulberry Builders FacebookEnrich - Richmond, KY FacebookRedeeming Hope FacebookSt. Jude Children's Research Hospital Facebook

I’m excited to share a conversation with an entrepreneur and family man who has an inspiring story to tell. Brad Daugherty is the founder of Hoola Managed IT, a company that provides comprehensive IT services to businesses.We discuss Brad's journey in building his business from the ground up, as well as modern IT challenges like wire fraud and cybersecurity threats. Brad shares tips and things to watch for when receiving emails to ensure their legitimacy.He also describes how he faced the unimaginable: his son's diagnosis with brain cancer and the emotional journey that followed.Despite the profound loss, Brad explains how he found solace through journaling, his unwavering faith, and the strength that comes from acknowledging the beauty in life's moments, even amidst hardship. His story is a testament to the resilience of the human spirit and the importance of appreciating each moment we have. Episode Highlights: [00:52] Hoola Managed IT has been in business for about eight years. They offer IT services to businesses where they actually become the IT department. They help with networking and equipment or whatever comes up.[01:27] They have facilities in Indianapolis and two locations in Muncie.[02:16] Wire fraud is a definite problem in the title industry. [02:51] Brad shares fraud red flags. [03:26] Look for spelling on the email and hover over it to see where it's actually coming from. He also talks about using DMARC to avoid spoofing. [04:14] If you think something isn't right, it probably isn't.[05:10] Fake emails are going to become more difficult to spot with AI. [05:28] When sending money, it's better to be safe than sorry.[05:45] Brad is the founder of Hoola Managed IT. He and his best friend started the business, and they had a falling out. [06:36] It took a couple years, but he was able to rebuild a customer base.[06:52] While building his business, Brad received the news that his son had brain cancer. [07:25] There was a big turning point around the three to four year mark.[08:50] He has four children. Christian passed away when he was eight years old.[10:18] Brad talks about the beauty found in adversity and the struggles happening at the hospital.[11:01] Keeping a journal, writing everyday and writing "God is good every time," helped him through the struggle of his son's illness.[13:48] His son was a twin. They are grateful for the two amazing years they had with him. [14:02] His other children saw God working in their lives in a way that only He could.[15:06] The children had wisdom beyond their years. [15:48] Brad decided that even if his son goes home, he is going to remain faithful to God.[17:09] The worst thing that could happen to his son is to go home to heaven. This is what enabled Brad to have faith and see the beauty in all things.[18:57] Brad shares a story about people watching his post everyday. Brad remained joyful. He received a letter from an artist that was just enough to help them out. They felt so much love poured out to their family. [21:21] One of the most important things Brad learned is that the way you know your life right now can change in a matter of seconds.[21:46] Every second and every moment that we have in this life is precious.Resources & Links Related to this EpisodeHome - Springdale Title, LLCIHome - Managed IT & Support In Muncie IN | Serving Indianapolis IN (hoolatech.com)FacebookDMARC

Donna Himes is a licensed title agent at Springdale Title in Richmond. Married for nearly 24 years, she also cherishes her role as a stepmother to two wonderful daughters, and she loves being a grandmother. Donna and her husband enjoy staying active through hiking and kayaking, and she nurtures her passion for gardening. An avid reader, Donna boasts a Kindle library of over 10,000 books, with a particular fondness for paranormal romance and mail-order bride stories. Having grown up without grandparents, she places great value on spending as much time as possible with her granddaughter.Our conversation with Donna also unveils her journey through illness and grief, along with the resilience required to care for her loved ones while recovering from surgery. The hardships faced during her father's illness have taught her what truly matters in life, a principle that guides her every day.Episode Highlights: [00:49] Donna shares a little about herself and her 10,000 books. [02:09] We learn how Donna went from retail to banking to being a part of our team.[04:01] She's detail oriented and loves being on the front end. It's her goal to make sure everything runs smoothly through the entire process.[05:04] In 2013, Donna's father was diagnosed with prostate cancer. After multiple rounds of radiation, he went into remission. Unfortunately in 2018, his cancer returned in the form of colon cancer.[05:59] Donna also had disc surgery on her neck in 2018. In 2019, she had a hysterectomy.[06:15] She was working at home as she recovered. She was also able to work a flexible schedule during 2020 which enabled her to take her dad to all of his appointments.[06:38] Another tragedy struck when her mom fell and broke her pelvis in three places. Donna ended up caring for her mother.[06:53] Donna's Dad passed away in 2020, and her life hasn't been the same since.[07:45] Losing her dad hit really hard.[09:27] During this crisis with her family, Donna was doing everything while also trying to recover from the surgery.[11:08] She put in a flower bed for her mom. Her and her husband mowed about 20 acres of their own property, and they cared for a rental property.[12:53] Donna is excited and scared about partial retirement.[15:18] Her grandchild is her little best friend. They're together every other weekend, and they spend breaks together.[17:20] Advice for those in transition. Think about what you want and your situation. Having extra family time is meaningful for Donna. She wants to spend more time with her mom. [20:24] Know what you want and look at the details.[20:52] Advice to her younger self, would be to live life to the fullest but do it in a way that God would be proud of.[22:23] Have balance. Work hard but not to the exclusion of everything else in life.Resources & Links Related to this EpisodeHome - Springdale Title, LLCKY - Richmond - Springdale Title, LLC

Nick Steinhauer and Kreg King are Co Branch Managers at the Columbus, Ohio Branch of Thrive Mortgage. I've known both of these gentlemen for a few years, and I'm excited to introduce them to you.  Kreg has been in the industry for 15 years. He began as a processor and is now a loan officer with Nick. He's married and has four kids. Between work family and his children he feels like his life is chaotic.Nick joined the industry about eight years ago. Prior to this he worked in retail. Nick credits everything he knows to his partnership with Kreg. He loves helping people finance something that will create memories and traditions with their family. He’s also married and has three daughters. They also home school. We get to learn about the unique advantage of being partners in the loan business and how they can serve clients almost every hour of the day. They also keep their clients and partners updated on the latest industry trends. We discuss these trends including interest rates, inflation, and unemployment rates. Episode Highlights: [04:20] They have an incredible amount of volume and have a lot to juggle with kids and family. [05:02] They can do their job from anywhere in the world. [06:04] Nick shares some of the advantages of having a partner as opposed to going it alone in the loan industry.[06:58] Between the two of them, there is someone almost on duty every hour of the day. This is a real advantage to their partners.[07:33] Part of their brand includes market updates and making information easily accessible for their partners and clients. [08:30] Market update: There has been positive economic news, but that doesn't help the interest rates. Rates are going higher, and they are in the low to mid 7% range.[10:05] The new jobs data for today was a little soft. Some additional rate cuts may come back into play.[13:31] We discuss whether Jerome Powell will change expectations and lower the inflation target.[14:39] Even though inflation has come down, prices aren't dropping.[15:36] Will there be a rate cut before November? This is an election year.[18:28] The worst combination would be increasing inflation and a weakening job market or stagflation.[19:08] Advice for prospective home buyers. If you're comfortable where your mortgage payment is, go ahead and pull the trigger.[22:20] We probably won't see low fives anytime soon.Resources & Links Related to this EpisodeHome - Springdale Title, LLCThrive Mortgage - Columbus, Ohio - Kreg King and Nick Steinhauer (thrive-ohio.com)Thrive Mortgage - Columbus Team FacebookNICK & KREG | MORTGAGE PROFESSIONALS (@thrivemortgage_columbus) • Instagram photos and videosNick Steinhauer | LinkedInKreg King | LinkedIn

I’m thrilled to have Madison Eisenman, the sales vice president of the Eisenman Group, join us. With a team of 60 client realtors under her wing in Northern Kentucky, Madison shares her journey in real estate. We learn how her real estate journey began In 2019. She had strong mentorship, but it didn't take long for her to realize a bigger dream for herself and her clients. She expanded her team by bringing in members hoping to provide exceptional service to her growing client base. It was her goal to empower her team to give her clients the best outcome possible. We learn about her journey and her slogan of “boots and heels” where she combines her love of Kentucky and being a country girl with her love of real estate and helping her clients along the entire buying and selling journey. Beyond her success, Madison is committed to mentoring young entrepreneurs and believes in prioritizing her clients' best interests over transactions, a philosophy that has paved the way for her remarkable success.Episode Highlights: [01:03] Madison began in real estate in 2019. She had great mentorships, but after the first year she sat down and thought about what she wanted to do.[01:34] She searched her clients the best she could but she wanted to be a lead. She hired two agents to help with listings and all the other aspects of real estate.[02:12] She wanted to have an expert in every area. This year she added another great member to the team that has a background in real estate and management.[02:35] This amazing team became the Eisenman group.[03:12] it's a diverse group that compliments each other very well.[03:42] Boots and heels. This means boots and heels let's make a deal. Madison has always been a country girl, but she also has a professional side so this moniker is very fitting.[05:32] Madison was born and raised in Kentucky and she loves to share the Kentucky heritage.[06:55] Madison is part of a deer hunting group that goes on guided trips every year. They also hunt for waterfowl.[08:34] Her work ethic comes from growing up on a farm. She's very blessed to wake up and do something that she loves everyday.[10:22] Madison also mentors young entrepreneurs.[15:28] It's not about the paycheck or just the transaction, it's about what is best for the client.[16:06] Madison would prefer a longer process and finding the perfect home for her clients.[17:52] Real estate has so many people behind the scenes. Madison could not have been as successful as she has been without the entire group of people.Resources & Links Related to this EpisodeHome - Springdale Title, LLCMadison Eisenman - Campbell County - Anderson - Sibcy Cline Realtors - Sibci Cline Admin

I'm happy to have Jessica Bishop, a sales manager at Reliance Mortgage in Pensacola, Florida, on the show today. Jessica is in Florida, but she still has Kentucky roots. We'll learn how she ended up in Florida and how she became a loan officer. We learn how she focuses on building relationships with real estate agents, lenders, and clients. She is committed to finding the right loan for each person, likening it to solving a puzzle to find the perfect loan for every client.She shares information about different loan products that can significantly help first-time buyers. She also encourages clients to ask questions and truly understand what they're getting into. Her biggest piece of advice is to meet with a loan officer before even looking at houses to ensure that you can get a loan with a payment you can afford. Jessica deeply cares about buyers and finding loan products that fit their individual circumstances, including specialized programs that help lower interest rates and 100% financing loans that are especially beneficial for first-time buyers.Episode Highlights: [00:59] Jessica has Kentucky roots. She was a Kentucky girl for about 20 years. [01:52] Jessica's husband was supposed to be working in Florida for only 6 months. They ended up loving it there so much that they stayed.[02:24] Jessica worked as a legal secretary and then became a real estate agent. She later became a loan officer at Navy Federal Credit Union. She then went out on her own which was the best thing that she ever did.[03:30] Some of the most important relationships a real estate agent can have is with the lender and the title company.[04:35] Finding a loan that's the best fit for each individual client is like putting together a puzzle.[05:13] Putting everything together and getting someone in a new house really feels like accomplishing something.[05:48] The market has changed so much that lenders need to be able to move with the market.[06:13] Jessica shares some unique mortgage products offered at Reliance Mortgage that include getting lower interest rates for the buyer. [09:28] They also offer 100% financing. There are a lot of grant programs that help people get into homes without putting a lot of money up front. One of their products is 100% financing FHA loans. There's a second lien that covers up to 5% that would include the down payment and some of the closing cost.[11:34] There are many programs available to help people get into a home.[12:30] It's really smart to talk things over with someone that can help you get the big picture when it comes to your credit and available programs.[13:49] Even before you start home shopping, get in touch with the lender and have a consultation where you can go over your credit report and decide how much you want to spend.[14:28] You need to know what you're approved for but also the monthly payment that you're willing to spend.[15:39] You never want to overextend yourself. Always leave yourself some breathing room, because you never know what's going to come up.[16:33] You want to work with someone who cares about your well-being, makes sure you are comfortable, and tells you the truth.[18:58] Jessica makes clients feel comfortable and confident and safe when they ask her questions.Resources & Links Related to this EpisodeHome - Springdale Title, LLCJessica Bishop CMG Home Loans

I’m speaking with Eric Bunzow. Today, we dive into the world of real estate, tech, and election integrity. Eric’s a jack of all trades—real estate agent at Red One Realty, Board of Elections member, and former title employee at Springdale Title. He has also worked in IT. Eric shares insights from his varied career, from his early days in Florida working with medical devices to his real estate journey and passion for the behind-the-scenes of transactions.He talks about the importance of staying vigilant in today’s digital age, highlighting risks like email fraud and home warranty scams. He also shares his work in election integrity, removing outdated entries from voting rolls, emphasizing the critical nature of accurate election records.Our conversation isn’t just about the technical aspects; it's about the importance of communication, trust, and building personal relationships. Whether it’s protecting clients from scams or ensuring smooth real estate transactions, Eric’s stories and advice offer a unique perspective on navigating the interconnected worlds of real estate, technology, and civic responsibility. Join us as we uncover these fascinating insights. Episode Highlights: [01:11] Eric has seen transactions from the realtors perspective, the title agent perspective, and even from an IT perspective. He has a well-rounded view of the industry and the process as a whole.[01:38] Ten years ago when Eric moved here from Florida, he was working for a medical device company in and out of hospitals on Windows computers.[01:46] After about 4 or 5 years, he decided to get his real estate license. [02:41]  When he became a full-time real estate agent he was always interested in the background information and how to get from point A to point B.[03:58] He also helps people with their computers, because of his IT background.[04:47] He finds people who have either died or moved out of the state and removes them from the voting rolls. He's a private investigator for the county.[05:08] He sends paperwork to people who moved to another state to get them to sign and remove themselves from the voter rolls.[05:24] When you move from Kentucky, you need to unregister yourself from the rolls.[06:18] In Kentucky if you change your party after the deadline, you can't vote. Eric shares a case where election laws matter. [08:07] When people move, they need to check election laws.[12:26] Eric has a good understanding of what it takes to close, because he's seen both sides of the transaction.[15:00] Confidentiality is extremely important.[16:09] IT risks are so prominent today. Fortunately, Eric has the ability to help protect the clients.[16:40] When you receive stuff about your transaction in the mail, double check with your realtor because there are so many scams out there.[17:20] There are a lot of home warranty scams out there.[18:50] Email is also wrought with fraud, people need to be very careful and not click on links.[20:26] Clients need to know that they should never send a wire that's not confirmed with the title company.[21:47] Real estate agents need to have trust with their title company. [22:28] Top advice for realtors is communication. [23:57] Communication leads to personal relationships and trust.Resources & Links Related to this EpisodeHome - Springdale Title, LLCEric Bunzow - REALTOR (red1realty.com)www.govote.ky.gov 513-377-4201- for text 

Tim Eickhoff is the branch manager at Stockton Mortgage in Florence, Kentucky. He's also known as the Northern Kentucky Mortgage Coach. Originally on the path to becoming a teacher, Tim now uses his passion for coaching and educating to help first-time home buyers navigate the often-complicated world of mortgages. He believes in making things simple and understandable, emphasizing the critical role of education in the home buying process. Tim highlights the importance of credit scores, not just for getting a good mortgage rate, but also how they affect other areas of your life, like insurance costs. He walks us through different mortgage options, from FHA and USDA to VA and conventional loans, explaining how each fits different needs. Plus, he shares a golden tip: multiply your gross monthly income by .29 to figure out a comfortable mortgage payment. Tim's advice? Don't wait on the sidelines - the right time to jump into the market is now, with good credit as your best ally. Let's dive in and demystify the mortgage process with Tim's expert guidance.Episode Highlights: [00:59] Tim shares his background. He almost became a teacher, but switched to the mortgage industry. He still coaches in many sports. [01:34] Tim loves educating, sharing the process, and making things as easy as possible.[02:05] He wants first time home buyers to really understand the process. The more they understand the easier his job is.[02:46] Tim explains how education is key and the series of questions he takes his potential home buyers through.[03:10] What do you want your payment to be and how does it fit in your budget?[03:46] They reverse engineer the payment into a price and try to make the process as smooth as possible.[06:08] A consumer-based credit report is like a light version of the mortgage credit report.[06:33] Credit scores affect a lot in your life like home insurance and car insurance. Try to preserve your credit the best you can.[07:19] The 620 to 680 range is more of an FHA buyer. 680 and above is more of a conventional type loan.[08:04] There's a lot of different loan types and programs that all have different qualifications.[08:29] FHA loans require three and a half percent down and are a little more forgiving. USDA is 100% payment with no down required. VA is zero down with no mortgage insurance. Conventional programs range from 3 to 5% down.[08:50] Each program has pros and cons. When going through client mortgage applications Tim and his team explains what program would be best for them.[09:29] Multiply your gross monthly income by .29 to get an idea of what your payment should be. [10:02] Some accounts will require escrow accounts and mortgage insurance. The government programs require taxes and insurance being included in your monthly mortgage payment.[11:08] If you put 20% or more down with a conventional loan you aren't required to have an escrow account. [12:16] Tim advises to get in the market now because some people are on the sidelines waiting for interest rates to come down.[15:46] Tims #1 advice: credit is the key to everything.[17:54] Having an expert to help navigate the current market is good advice.[18:10] If your realtor refers someone to you that means they trust that person.Resources & Links Related to this EpisodeHome - Springdale Title, LLCStockton Mortgage Florence North LocationNKY Mortgage Coach Tim Eickhoff Facebook