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Conscious Capitalism: contradiction in terms, or way of the future? Timothy Henry and Raj Sisodia, co-founders of the Conscious Capitalism movement and co-authors of ‘Conscious Capitalism - The Field Guide' get together and discuss current topics from the perspective of enlightened, conscious entrepreneurs and businesses.
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Loan with Jen was created for buyers and the real estate community to ensure that accurate information is available to everyone in need of financing needs. As a mortgage loan officer since 1995, we have seen many clients come to us that have been misinformed or misguided. Our goal is to bring you accurate information before purchasing your next home so you can make the best and most informed decisions during the home buying process. Your host, Jennifer Hughes Hernandez is a Senior Loan Offic ...
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Are you considering adding a co-signer to your loan application to improve your chances of approval? Incorporating a co-signer can indeed increase the apparent income on your application, potentially making you a more attractive candidate to lenders. However, the criteria for who can serve as a co-signer can vary significantly depending on the type…
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Exciting news for homeowners! President Biden's recent proposal promises big savings on refinancing by eliminating title fees for low-risk borrowers. This change, announced during the State of the Union Address, could significantly lower refinancing costs, especially in states where these fees are a major expense. If you bought or refinanced your h…
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Here the story of Freeman, a family-owned global provider of live event services, through the journey of a third-generation leader in the company. With a legacy of 97 years, Freeman integrates Conscious Capitalism into its business model achieving record results. Carrie Freeman Parsons, the chair of Freemans, shares great examples of their commitme…
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Ever thought owning a home was out of reach because your income isn't sky-high? Well, we've got some great news for you. The federal government has got your back with a special program that's like a helping hand to make your homeownership dreams come true, especially if your budget is tight. It's all about the USDA's 502 Direct loan, a gem that mig…
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Have you ever felt that pang of regret when a chunk of your investment gain ends up with the tax folks? Well, let's chat about the 1031 Exchange, a nifty strategy that might just be your new best friend in the investing world. Imagine keeping more of your hard-earned money to invest in the next big opportunity. That's the magic of the 1031 Exchange…
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A good business model is the Ferrari engine—people are the fuel that makes it work! 14% CAGR for almost 25 years by caring, looking for goodness and saying thank you. Hear practical examples of how Barry Wehmiller does it—and at the centre of it, leaders measuring success by the lives they have touched. This approach to leadership and culture that …
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If you're in the middle of deciding whether to bring a realtor into your home buying or selling adventure - Realtors® are instrumental in securing the best price for a home, uncovering the ideal property to call home, or simplifying the intricate paperwork involved. The thought of compensating a realtor® with a commission might initially cause hesi…
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When will mortgage rates dip in 2024? It could be earlier than you anticipate. Last December 2023, J. Powell, the head of the Federal Reserve, announced the end of rate hikes. Looking ahead, we're anticipating at least three rate cuts starting around May. While the Feds rates don't exactly match mortgage rates, they definitely influence them. So, w…
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In this episode, we dive into housing predictions for Houston, Texas in 2024. Jen interviews a 25 year veteran of the homebuilding industry about the market conditions for builders last year and an upcoming proactive approach some home builders are implementing to keep ahead of market trends. Jen and guest Benita Owens of Meritage Homes explore loc…
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Will the housing market crash in 2024? We address a common misconception: those anticipating a steep drop in home prices may find themselves disappointed. Fluctuations don't necessarily indicate a market crash, as defined by a rapid and significant drop in prices due to an oversupply of homes and a lack of buyers. We also discuss Federal Reserve po…
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This interview cuts straight to the heart of self-compassion, revealing it as not just a personal virtue but a critical life skill as we have a profound dialogue with Kristin Neff, a pioneering figure in compassion research. Kristin shatters the notion that self-compassion is a luxury, framing it instead as a necessity for anyone striving to thrive…
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In this episode, we delve into the topic of increased loan limits for 2024. We explain the role of financing agencies like FHA (Federal Housing Administration) and FHFA (Federal Housing Finance Agency) in adjusting loan limits annually in response to inflation and rising home prices. What is the importance of these changes for homebuyers and the co…
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If you own real estate in Texas, whether residential or commercial, this episode will give you the behind the scenes as to why you should protest your property tax. We interview an expert with Home Tax Shield, a company in Texas that protests taxes for property owners. Craig is an industry expert and releases statistics and valuable information you…
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On December 13, after the Federal Reserve meeting, interest rates started to fall! It became evident that the Fed will likely stop raising interest rates, and start to lower the fed funds rate in 2024! The market needed this news so badly! In this episode I will help make sense of some complex financial terms and focus on what this means for the av…
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In this episode, we delve into the dilemma faced by sellers in the current real estate market: should they sell their homes now or rent them out in hopes of better values in the future? The episode features Lyndel Johnson from Real Property Management Luxury in Houston. We also focus on the importance of landlord-tenant relationships, which not onl…
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A conversation with Sadhguru and John Mackey. Brought to you by Tec Sounds. ** If you enjoy this podcast, would you consider leaving a review on Apple Podcasts/iTunes? It takes only a few seconds and greatly helps us get our podcast out to a wider audience. Please subscribe on Apple Podcasts / Spotify / Stitcher, or wherever you get your podcasts. …
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In this episode, we offer an in-depth analysis of FHA (Federal Housing Administration) loans, particularly highlighting the aspects of mortgage insurance premiums. Created during the Great Depression, FHA loans facilitate homeownership with a minimum down payment of 3.5%. It's clear that FHA loans pack a lot of value, especially for those stepping …
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In this episode, I explain what is a Mortgage Credit Certificates (MCC), a valuable federal tax credit for first-time homebuyers seeking to ease the financial burden of purchasing a home. I will cover the eligibility criteria, calculation, distribution, and the overall impact of the MCC on homeowners. Who qualifies for the MCC, what are some benefi…
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The Private Equity industry is a lightly regulated industry with an increasingly mixed record on both financial returns and its impact on the quality of American jobs and businesses. How can it be shaped to be more of a force for good in Society and to avoid some of its worst tendencies and practices? Brendan Ballou, author of the book Plunder: Pri…
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Join us for a frank discussion on ESG, climate investing, and the need for government policy through taxes and subsidies to push companies into doing the right thing for the climate crisis. As our guest Ken Pucker, former COO of Timberland, says, ESG has no impact on saving the planet. Ken talks about the challenges for all of us in understanding w…
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Hear about what this means and the extraordinary story of Lynne Twist the author of the Soul of Money and co-founder of the Pachamama Alliance. Money is a means not an end, and our attitude towards it shapes many of our actions. Lynne walks us through some of the shifts in mindset that enable us to allow money to flow in our lives towards making a …
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In this episode, we're joined by real estate and mortgage veteran Tarl Anderson to discuss the rise in Texas foreclosures for 2023. We hit the ground running with some straight talk about today's wobbly housing scene. We dove into the big question on everyone’s mind—should you grab that set of shiny new house keys now, or is it smarter to cool your…
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Uncommon common sense – taking a long-term, ownership approach to investing and avoiding the casino capitalism, trading system that focuses on short term bets. Hear Tom Gardner co-founder of Motley Fool talk about their investment firm and approach to outstanding returns. AND they have one of the great conscious cultures we’ve seen- creating a fun …
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Profound reflections on the nature of being fully human and the leadership journey from a world-leading expert on the human experience, organizational health and leadership development, Amy Elizabeth Fox. Amy is incredibly articulate in explaining the psychological and spiritual elements of adult development and leadership growth and how to develop…
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This is Part 2 of our podcast episode where Jen is a guest on Not Just a Daydream podcast by Kristi Winfree, Owner & Transaction Coordinator at Legacy Transactions. We share more valuable tips for a smoother home buying process. We emphasize the importance of referrals, to expect inevitable bumps in the road, but stresses that with the right team, …
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This week join the chairperson of Patagonia, Charles Conn, as we discuss the change in ownership at Patagonia- a company now responsible to the planet! Charles says “We (Patagonia) think companies should stand for something. And we're not afraid to say that we don't think companies should be neutral creators of profit that distribute that profit to…
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In this podcast episode, Jen is a guest on Not Just a Daydream podcast by Kristi Winfree, Owner & Transaction Coordinator at Legacy Transactions. We share eight valuable tips for a smooth home buying process - starting with beginning early, many mistakes happen when people rush the process at the last minute. Next is being prepared in submitting ne…
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We are amidst a fundamental shift in what good leadership means. Good leadership is caring about people and focusing on the long-term stewardship and success of the organization. Join one of the outstanding leadership experts and ‘CEO whispers’ of our time Bill George, to discuss his new book, True North; Emerging Leaders Edition. Bill is the forme…
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In this podcast episode we discuss the importance of having a will for homeowners. John Strohmeyer, a licensed attorney, probate and estate issues, emphasizes the significance of having a will or an official document to clarify property ownership and inheritance. We will also address the misconception that wills are only necessary for those with si…
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This week we have Roger Martin, #1 business thinker in the Thinkers50 list, a biannual ranking of the most influential global business thinkers. He joins us to discuss his new book about saving democratic capitalism: When More is Not Better. We discuss the decline of the middle class, of good jobs, as well as outdated paradigms about the "economy a…
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Burnout has become an epidemic, and it's a wake-up call. We need a different prescription for dealing with this --one that addresses burnout on the levels where it's happening and replenishes our energy with simple, decisive steps toward healing. A uniquely qualified expert, Dr. Neha Sangwan, talks with us about what she has learned about burnout i…
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In this episode of the Loan with Jen podcast, we are joined by attorney John Strohmeyer to discuss the Foreign Investment in Real Property Tax Act (FIRPTA). FIRPTA caters to anyone interested in the world of real estate, especially those who aren't US citizens or permanent residents but are considering buying property in the United States. John, wi…
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This week, Simon Mainwaring shares his latest thinking on the critical mindset shift we need to make—from Me to We- and how this makes all the difference in how we lead our businesses. We discuss “We first capitalism’ and the need to fully cost the impact of our products and production processes on the planet. He reminds us of some fundamental trut…
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This week, we have an essential dialogue on race and business. We talk candidly about race, trust and belonging in the workplace and the role of a conscious leader in creating a healing organization. We begin with Gervase Warner, former McKinsey Partner and CEO of Massy Group- one of the largest business in the Caribbean basin- sharing his journey …
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In this episode of the Loan with Jen podcast, we deliver a no-nonsense breakdown of closing costs when selling your home, free from any corporate buzzwords. We delve into the intricacies of prorated property taxes, emphasizing that even if you've been escrowing your taxes and insurance, they must be settled at the closing table. We emphasize the im…
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Hear how an Ex-McKinsey Partner and Harvard Business School grad transitions a 100-year old company to being a conscious business. Massy Group is one of the largest business in the Caribbean basin and was founded in 1923. When Gervase Warner took over as CEO 14 years ago he began the transition to a conscious business. Listen to the key lessons Ger…
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Buying a home that might need some improvements? The FHA 203(k) loan is like a mini construction loan bundled with your mortgage. If you're looking to roll in at least $5,000 of improvements – think paint, carpet, even bigger fixes like foundations – this loan might be your answer. It's all about beautifying your space while enjoying benefits like …
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Whether you're eyeing a new home, a big purchase, college expenses, or just some extra financial wiggle room - today's guest, Oliver Pereira from Limitless Cash Flow, is here to guide us. He breaks down the game plan for enhancing your cash flow without upending your life. It's about understanding your budget, trimming excess spending, and directin…
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Front-line innovation, expansion into 19 countries, developing the largest market for French films outside of France and the second largest Cinema company in the world, hear from Cinepolis COO Miguel Mier how it happened. He talks of how the development of a caring culture drives innovation and customer satisfaction--- listen to the story of the pi…
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In this podcast episode, discover a unique and often overlooked way to support elderly parents while also earning government income. Jen Hernandez welcomes Ugo Eziefule from Providers of Texas, a passionate advocate for underserved communities. Ugo sheds light on a game-changing opportunity for caregivers through state programs, where family member…
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Meet the uber-meister of values Richard Barrett and help ‘conscious leaders’ explore the link between Organizational and Personal values and levels of consciousness. An introduction to the Barrett Values model and Seven Levels of Consciousness model and what comes next with the Human Awareness Initiative. A Podcast by Tec Sounds. ** If you enjoy th…
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Today we are talking to John Strohmeyer, a licensed attorney, probate and estate issues. We discuss the implications of property ownership within trusts, shedding light on what happens to a house when someone passes away. Whether or not you have a will in place, the episode breaks down the intricacies of probate, highlighting the importance of esta…
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We speak with CEO of Greyston Bakery, Joe Kenner, one of the leading advocates and practioners of open hiring. 10 million people in America are no longer in the workforce but most want to be. Hear how to help them get into the workforce- they could be the solution to the so-called worker shortage in the US! A Podcast by Tec Sounds. ** If you enjoy …
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In this episode, Jen Hernandez interviews John Strohmeyer, a specialist in real estate, probate, and estate issues. They explore the difference between revocable and irrevocable trusts and discuss why lenders prefer properties in revocable trusts. This episode is for homeowners, potential homebuyers, and anyone seeking to understand the implication…
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The soul’s journey and self-mastery, where are you on your journey? This week we speak with Srikumar Rao- founder of the Creativity and Personal Mastery Program that gained fame by being oversubscribed at several leading business schools (Columbia, London Business School and others) and is now open to the public; and you can apply to join! Srikumar…
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Whether you're a homeowner seeking to unlock your home's potential or a professional advisor understanding the risks and rewards of leveraging home equity, this episode is a must-listen for invaluable insights! Join mortgage expert Jen Hernandez in this thrilling episode with No Unfinished Business Podcast by John Strohmeyer, as she unravels the po…
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This week we are honored to welcome R. Edward Freeman, "father" of Stakeholder thinking, Professor at University of Virginia and author of The Power of And: Responsible Business Without Tradeoffs. ** If you enjoy this podcast, would you consider leaving a review on Apple Podcasts/iTunes? It takes only a few seconds and greatly helps us get our podc…
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Citizen capitalism, Conscious, Impact Private Equity? Listen to Private Equity investor Warren Valdmanis discuss the book he co-authored, Accountable: The Rise of Citizen Capitalism. In this week's episode, he explains these terms and more. Two Buffett paradox, anyone? A Podcast by Tec Sounds. ** If you enjoy this podcast, would you consider leavin…
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In Texas, property tax is zero at the state level. However, various districts like county, city, water districts, school, and emergency services have the authority to levy their own taxes. These taxes are assessed independently by each district and later collected by the county taxing office. In this episode, we will go into the different types of …
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Writer of several books including his latest Wisdom At Work, founder and former CEO of a successful Boutique hotel chain, former Chief Hospitality Officer of Silicon Valley star, Airbnb, and now founder, catalyst and social entrepreneur at the Modern Elder Academy, Chip Conley has worn many hats. Join us for a wide-ranging conversation from curiosi…
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