"I Heard That" (Podcast) with Coach Clarence

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In this episode, we delve into the essential aspects of mortgage loans, providing first-time homebuyers with the knowledge they need to make informed decisions. We discuss various mortgage options, including conventional, FHA, VA, and jumbo loans, explaining how each works and their benefits. You'll learn that a mortgage is essentially a loan secured by real estate, similar to car or student loans. We debunk common myths, such as the misconception that a 20% down payment is necessary to buy a home, emphasizing that conventional loans can require as little as 3% down. Tune in for valuable insights that will help you confidently navigate the home-buying process!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerful episode of Coach's Corner, Clarence sits down with personal development coach and Toastmasters president, Michael Vincent Brunnhoelzl, for an inspiring conversation you won't want to miss!Michael opens up about his journey—from facing mental health struggles and challenges in high school to discovering his passion for real estate through his family's brokerage in San Diego. But this episode isn't just about real estate; it's about growth, resilience, and how anyone, especially those over 40, can transform their mindset and impact their community.If you're looking for motivation to level up your mindset and create meaningful change, tune in now to hear Michael's invaluable insights! Brunnhoelzl, for an inspiring conversation you won't want to miss!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Fit Over 40, host Coach Clarence welcomes Jonathan Niziol, a multifaceted individual with a background in real estate investment, modeling, and training. Originally from Canada and now residing in Texas, Jonathan shares his journey from being a professional lacrosse player to finding his passion in coaching and personal development. He opens up about overcoming feelings of shame and embracing vulnerability as a source of strength. The conversation delves into the impact of personal trauma on coaching, as Jonathan reflects on his own turning points in fitness and life, including his experience of weighing 265 pounds. Tune in for an inspiring discussion filled with insights on growth, healing, and the power of sharing one’s story.Follow Jonathan:Instagram: @JonathanNeiselWebsite: JonathanNeiselOfficial.comIf you enjoyed this episode, please like, share, and subscribe for more inspiring conversations!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Fit Over 40, host Coach Clarence sits down with the inspiring. Michele Robbins is a dedicated realtor with over 23 years of experience. Michele shares her journey from being a single mom navigating the real estate market without guidance to becoming the team lead of the elite team at LPT Realty, selling homes across Arizona, and Florida, and soon expanding to Tennessee. With a passion for helping others, she reflects on her challenges and lessons learned along the way. Please tune in to hear Michele's insights on homeownership, the importance of asking the right questions, and her commitment to being a supportive resource for those looking to achieve the American dream of owning a home.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Fit Over 40 with Coach Clarence, the focus is on finances. Coach Clarence highlights the disparities in credit scores between white Americans and non-white Americans, emphasizing the importance of financial education. He discusses how a lack of early financial education can lead to challenges later in life, stressing the need for proactive credit management. Tune in to gain insights on how to improve your financial literacy and make informed decisions for a better financial future.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Coach's Corner, host Coach Clarence interviews Tony Lopes, CEO of Dirty Boots Capitals, a real estate professional, bestselling author, coach, and speaker. Tony shares how he retired at 44, emphasizing his journey with integrity and humility. The conversation delves into mindset and financial training, offering valuable insights for listeners seeking financial independence. Tune in for an engaging discussion filled with wisdom and inspiration.Grab a copy of Tony's book here Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Overcoming Limiting Beliefs: In this episode of Fit Over 40, Coach Clarence discusses the impact of limiting beliefs on financial success. He defines limiting beliefs as false assumptions and negative thoughts that hinder personal growth and success. Examples include "I'm not good with money" and "Wealth is not for me." By addressing and changing these beliefs, individuals can break free from mental barriers and reach their full financial potential. Tune in to learn how to identify and overcome limiting beliefs to achieve financial success.Find out more herehttps://linktr.ee/clarencemfergusonjrSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Fit Over 40 with Coach Clarence, the focus is on the importance of maintaining a good credit score. Coach Clarence discusses how credit impacts various aspects of life, from loans to job opportunities. He highlights the factors that can affect credit scores and emphasizes the need to regularly check your credit report. Tune in for insightful tips on managing your credit effectively to secure your financial future.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Clarence catches up with his friend Lynne Bowman, author of "Brownies for Breakfast," who is 78 years young and thriving. Lynne shares her journey with managing type 2 diabetes since discovering it early in life due to gestational diabetes. She emphasizes the importance of starting early on a path to health and wellness. Join them as they discuss aging, health, and the evolving perceptions of growing older.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, the host provides a brief overview of the real estate market in Phoenix, addressing common misconceptions and concerns. The discussion focuses on whether a housing market crash is imminent or if the rising inventory is just a mirage. The host emphasizes the importance of staying calm, doing research, and asking questions to understand the market dynamics. Contrary to media headlines, the increasing inventory does not necessarily indicate a crash but rather a more nuanced situation. The episode delves into the rising inventory trend both nationally and in Phoenix, shedding light on its implications for the real estate market.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Esther Avant, a health industry veteran with over 18 years of experience in fitness, nutrition, and wellness, joins Coach Clarence on Fit Over Your 40. Esther shares her journey from starting as a personal trainer inspired by the movie "Office Space" to becoming a certified sports nutritionist and wellness coach. Tune in to learn about Esther's evolution in the health and lifestyle coaching space over the last two decades.Grab her “Big Rocks” Habit Tracker at https://www.estheravant.com/habitsFind out more about her at www.estheravant.comSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Coach's Corner, host Clarence introduces Sean Tepper, the founder of Tacker, a software designed to help individuals manage their investments confidently. Sean shares his journey of starting Tacker as an Excel sheet in 2016, which eventually evolved into a software after receiving positive feedback from other investors. Tune in to learn how Sean's background in tech and business led him to create a tool that has consistently delivered returns ranging from 15 to 50%.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Fit Over 40, Coach Clarence discusses the importance of self-reflection and checking oneself to avoid future regrets. Drawing inspiration from his friend Ice Cube's song "Check Yourself," he emphasizes the significance of assessing behavior, relationships, and personal habits. From identifying "holes in your game" to recognizing bad spending habits, Coach Clarence highlights the value of introspection to lead a more fulfilling and successful life.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Fit Over 40 with Coach Clarence, Coach Clarence interviews Angela Beyer, a health coach and personal trainer specializing in a muscle-centric approach to health and fitness. Angela emphasizes the importance of building healthy muscle tissue to achieve fitness goals, rather than solely concentrating on body fat. She explains how improving muscle health can lead to better body composition and a more sustainable approach to weight and fat loss. Tune in to learn more about Angela's unique perspective on fitness and health.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Coach's Corner, Coach Clarence discusses three types of loans to consider in a high-interest rate market. He explains the differences between fixed-rate and adjustable-rate mortgages (ARMs), highlighting the pros and cons of each. While fixed-rate mortgages offer a stable interest rate for the loan's duration, ARMs can adjust based on the market with a cap limit. Coach Clarence emphasizes the importance of understanding these loan options to make informed decisions in a changing market.00:00:00 - Introduction to Coach's Corner00:00:14 - Overview of Loan Types in High Interest Rate Market00:00:35 - Fixed Rate Mortgages Explained00:01:07 - Adjustable Rate Mortgages (ARMs) Explained00:02:01 - Pros and Cons of Fixed Rate Mortgages00:02:12 - Pros and Cons of Adjustable Rate Mortgages00:03:04 - Introduction to Buy Downs00:03:35 - Pros and Cons of Buy Downs00:05:09 - Qualifying for Buy Downs00:05:31 - Introduction to HELOCs00:06:12 - Benefits of HELOCs00:07:27 - Cons of HELOCs00:08:20 - Importance of Credit Management00:09:13 - Interest Rates and Market Trends00:10:16 - Strategic Mortgage Payments00:10:58 - Home Equity and Appreciation00:11:19 - First Home Considerations00:12:01 - Building a Stable Financial Future00:12:23 - Recap of Loan Types00:13:04 - Strategic Use of ARMs00:13:47 - Strategic Use of Buy Downs00:14:20 - Multi-Unit and Multi-Generational Properties00:15:05 - Renting vs. Homeownership00:15:56 - Final Advice and EncouragementSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In today’s episode, we had the pleasure of speaking with Jeanell Green, a seasoned relationship coach who brings a wealth of experience and personal insight into the dynamics of romantic partnerships, especially after the age of 40. Jeanell shared her journey from a high-flying sales career to discovering her true calling in relationship coaching after a series of personal revelations and transformations.Jeanell opened up about her relationship history, including her first marriage which ended in divorce, and how this experience propelled her into relationship coaching. She discussed the importance of self-awareness and taking responsibility in relationships, rather than trying to change one's partner.A significant part of our discussion revolved around the challenges men face in relationships, which Jeanell encounters often in her practice. She highlighted how men are increasingly seeking help to become better partners and understand their own emotions and actions better.Discussion on the evolution of gender roles in relationships and how couples can negotiate these based on their strengths and preferences.Download this episode for a unique way of dealing with Relationships and be sure to share with your friends.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  [email protected]. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.