The tides are changing when it comes to the real estate market! Homes seem to be sitting a little longer on the market and for the moment prices seem to have stopped rising. We have our two expert guests Joe Smith from Epic Mortgage and Anthony Penna from Lawyers Title on to discuss some of these changes. Could this be another real estate bubble waiting to pop? Or are the headlines doing more to scare than educate? Tune into today's show to find out the REAL market stats and what is to come! Listen & Learn: 2:15 - Joe & Anthony touch on interest rates 4:00 - Top 10 cities with the most appreciation 6:50 - August's Cromford Report explained 10:20 - Rebecca's market predictions 13:00 - Active listing chart explained 15:30 - The perfect storm for buyers right now 19:30 - Are we hitting the ceiling for home prices? 21:40 - Today's rates & refinancing benefits 24:00 - Anthony's PowerPoint on the housing bubble 27:00 - Less irresponsible cash-out refinances 29:20 - American home equity skyrocketed 31:40 - Main driver of the housing shortfall 33:40 - Forbearance & Today's market 38:00 - Ivy Zelman one of the top real estate economist & her thoughts on foreclosures 39:40 - This time last year versus now 41:00 - Real estate & the current economy 43:15 Anthony & Joe's final thoughts Special Guests: Anthony Penna - Director of Sales & Marketing at Lawyers Title "There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of both as a former sales executive of 15 years and now in my current position since 2014. I love what I do at Lawyers Title." As the highest ranked company in title insurance (proudly ranked 293 on the Fortune 500 list), Lawyers Title is the leading resource for all title, escrow, and marketing needs in the real estate industry. Phone: 602-510-8848 Email: [email protected] Website: www.lawyerstitlearizona.com Joe Smith - Owner/Broker of Epic Mortgage Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you're gonna want to go to for advice on lending! Phone: 602-741-4121 Email: [email protected] Website: www.myepicloan.com Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

Today's Show: Ever heard of Centering Prayer?🙏 We hadn't till we read Dr. Brian Russell's book and now we are hooked! Dr. Brian Russell is an Ordained Pastor, Author, award winning Professor of Biblical studies, Founder of Deep Dive Spirituality a coaching program for pastors and spiritual leaders, AND our amazing guest for today's show!😄 On the show Brian shares his story, what brought him to where he is today, and his centering prayer techniques. You won't want to miss this show! Listen & Learn: 2:40 - Rebecca Introduces Brian Russell 3:50 - What does centering prayer mean 6:07 - Rebecca's Instagram post explained 7:30 - What lead Brian down the path of spirituality 15:00 - Chapter 10 of Brian's book explained - the great commandments & 4 loves 19:00 - Loving ourselves for God's sake and what that entails 25:30 - Centering prayer vs. meditation 27:45 - The process of centering prayer 30:23 - Brian's journaling practice 32:30 - What Brian recommends for your own journaling practice 36:30 - Brian's definition of the "unholy trinity" 41:35 - How to get ahold of Brian 42:20 - Brian's charity "Hope" and what they do 45:00 - How would you like your story to end Special Guest: Dr. Brian Russell (Ph.D.):  Dr. Brian Russell is an Author, Ordained Pastor, an award winning Professor of Biblical studies, and Founder of Deep Dive Spirituality a coaching program for pastors and spiritual leaders interested in deepening their spiritual formation for authentic Christian living and mission in the world. Phone: (407) 403-3741 Email: [email protected] Website: https://linktr.ee/briandrussell Follow us on Facebook @GratefulHeart.Tv Listen to the full show anywhere you stream podcasts!

This show is all about learning how to live life as your most authentic self. Our inspiring guest Christian De La Huerta has learned himself what it means to live as your authentic self and how that is truly the key to one's happiness. Christian is an award-winning author, TEDx speaker, respected teacher and leader in the field of breathwork, self-development and personal transformation for over 30 years. Listen & Learn: 1:30 - Christian's Intro 5:00 - Where Christian grew up 9:30 - Cost of selling out on your power 12:30 - Christian's Ted Talk 17:51 - What awoke Christian to helping others 20:06 - What age did you find this desire to help others 25:35 - Rebecca's nephew's story 29:20 - Christian's take on religion, LGBTQ, & self acceptance 32:30 - Christian's other books 36:00 - Christian's definition of courage 38:25 - Christian's message about women empowerment 40:55 - The bias on how men & women "should act" 44:35 - It's all about authentic self-expression 46:10 - Christian's other offerings Special Guest: Christian De La Huerta - Personal Transformation Coach Christian de la Huerta is an award winning author, TEDx Speaker, respected spiritual teacher, sought-after retreat facilitator and founder of Soulful Power. Offering transformational retreats and workshops awakening participants to their deeper sense of purpose, empowering radical internal and external shifts. Christian says, “when participants can uncover and overcome long held fears that hold them back, this is when they begin to experience the true joy and fulfillment of living on purpose, which also allows them to become catalysts for our planet’s spiritual and cultural evolution.” Phone: (877) 773-7557 Email: [email protected] Website: https://soulfulpower.com/ Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

The remarkable Jason Zuk has joined us again on this week's show to expand on psychic abilities/intuition, crystals, AND do a reading for our Host Rebecca Rains! Jason is truly an amazing person with many different talents, Psychic Medium, Lawyer, & Podcast Host to name a few! Check out where Jason gets his crystal collection from https://www.royalsuzie.com/ and if you like this video take a look at Jason's channel https://www.dsocialpsychicradio.com/episodes for more! Listen to today’s show and learn: 2:00 - Rebecca's Introduces Jason 2:45 - How Jason connects during readings 4:00 - Different forms of intuitive abilities and time 6:30 - Jason reads Rebecca 17:36 - Jason's predictions for Rebecca in 2022 19:00 - Rebecca's message from her dream 23:00 - When you cross over 24:20- Rebecca's ghost hunting tour story 27:50 - Jason's final words of wisdom Special Guest: Jason M. Ciofalo a/k/a Jason Zuk - The Social Psychic & Lawyer: Jason is has been a licensed Attorney since 2001 and a psychic medium since 2004. Jason adopted the pseudonym "Jason Zuk" in honor of his grandfather whose death inspired him on his spiritual path. When Jason's grandfather passed away in August 2004, he developed his intuitive abilities and realized that he possesses the ability to communicate with the other side. Since that time, Jason has read for hundreds of people and he has learned that our deceased loved ones tend to remain with us after they cross over to the other side. Phone: 813-586-3933 Email: [email protected] Website for The Radio : www.dsocialpsychicradio.com Website for The Social Psychic: www.thesocialpsychic.com Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

On Today's show we are COMING OUT Spiritually🙏. We have the extraordinary Jason Zuk on to talk about his path to spirituality and how he came to be where he is today.🔮 Jason is truly an amazing person with many different talents, Psychic Medium, Lawyer, & Podcast Host to name a few! We can learn a lot from hearing Jason's story and hopefully this show will help those struggling with understanding their own intuitive feelings. Stay tuned for next week's show where Jason does a reading on Me! Listen to today’s show and learn: 2:10 - Jason's intro 7:18 - Rebecca's intro of Jason 10:00 - "Coming Out" Spiritually 13:00 - How Jason started as a Psychic 14:58 - Where "Zuk" came from 16:22 - What is a Social Psychic 22:50 - Who are Jason's spirit guides 25:30 - What is a totem animal 28:25 - From professional to spiritual and balancing the two 29:40 - Intuition in the courtroom 32:40 - How Jason knew about his cancer before doctors 35:15 - Jason's near death experience Special Guest: Jason M. Ciofalo a/k/a Jason Zuk - The Social Psychic & Lawyer: Jason is has been a licensed Attorney since 2001 and a psychic medium since 2004. Jason adopted the pseudonym "Jason Zuk" in honor of his grandfather whose death inspired him on his spiritual path. When Jason's grandfather passed away in August 2004, he developed his intuitive abilities and realized that he possesses the ability to communicate with the other side. Since that time, Jason has read for hundreds of people and he has learned that our deceased loved ones tend to remain with us after they cross over to the other side. Phone: 813-586-3933 Email: [email protected] Website for The Radio : www.dsocialpsychicradio.com Website for The Social Psychic: www.thesocialpsychic.com Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

Are you worried we are in another housing bubble headed for a crash??😱 Well tune-in to today's show to learn why that is NOT going to happen and what the REAL signs of a market crash look like.👀 We have our expert guest Tara Krieg, Senior Loan Officer at Amerifirst, on to talk about market stats, more stimulus money, & new solutions for buyers/sellers in the current market. You won't want to miss it! 😉 Listen to today’s show and learn: 3:30 - Rebecca covers past market cycles 7:07 - Active listing graph from Cromford Report 10:10 - Difference of people getting homes today than before 13:20 - Tara's thoughts on active listing graph 15:00 - Cromford Report June update 19:00 - Important market stats 23:22 - The new child tax credit 26:06 - Incentives to go back to work 28:00 - Consumer credit card debt & the pandemic 30:12 - Tara's thoughts on the new set of rules 32:07 - Amerifirst new set of solutions for today's market (trade-in program) 36:40 - Tara's final thoughts Special Guest: Tara Krieg - Senior Loan Officer at Amerifirst Financial: Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years’ experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage related financial consulting and planning, and personal coaching of Junior Loan Officers. Phone: 480-344-1951 Email: [email protected] Website: www.tkteam.us Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

If you haven't noticed the housing market is CRAZY hot! Houses are selling faster than they can be listed and for far more than list price. Not only are buyers waiving appraisals but most are waiving repairs in order to win a house. Tune into today's show to learn all about the "New Set Of Rules" when it comes to buying and selling a house in our current market. We have expert guests Bryan Caffrey, CEO of Arivs Appraisals, & Tara Krieg, Senior Loan Officer at Amerifirst, to talk about how appraisers and lenders are handling this new normal. Listen to today’s show and learn: 4:56 - Bryan Caffrey Intro 6:06 - What created appraisal management companies 8:07 - Is it ok for Realtors to meet Appraisers at the property 9:25 - How do Appraisers feel about waived appraisals/guarantees 13:30 - Bryan's opinion on appraisals with cash investors 16:07 - How are Appraisers adjusting to the fast appreciation of homes 16:50 - Why Bryan thinks this is a 'healthy' crazy market 21:27 - Tara's thoughts on this current market 23:09 - The 5 stages of loss chart 24:25 - Agent cheat sheet & the new set of rules 29:22 - Is this market going to be like 2008 32:40 - Appraisal disputes in the current market 35:20 - Realtors role in appraisals 37:00 - Tara Krieg & setting the right expectations for buying 37:45 - Bryan's thoughts on the current market 39:00 - Our guests final thoughts Special Guests: Bryan Caffrey - CEO of Airvs Appraisal Management Company Bryan founded Airvs in 2008 prior to the implementation of HVCC. Arivs is a National appraisal management company made up of locally operated offices. Arivs’ goal is to provide lenders with the stability and competitiveness of a national management company while retaining the quality and service that only local management can provide. Phone: 1-800-309-0025 Email: [email protected] Website: http://www.arivs.com/ Tara Krieg - Senior Loan Officer at Amerifirst Financial: Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years’ experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage related financial consulting and planning, and personal coaching of Junior Loan Officers. Phone: 480-344-1951 Email: [email protected] Website: www.tkteam.us Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

Today's show is a part 2 of last week's show! Kristen Schwartz from Realized Empath is in studio to talk to us about empaths, healing, trauma, and so much MORE! Kristen is incredible because she found a way to help others heal through healing herself. In today's part 2 of the show, we will cover co-dependency relating to empaths, embracing empathic abilities, and what Kristen offers for people who are struggling with being an empath. We've also added a free guided meditation by Kristen herself at the end of todays show! Listen & Learn 2:30​ - Labels Aside 5:30​ - Message behind Instagram post 8:25 - Trauma Survivor, Empath, or Both? 14:14 - Co-dependency & Empaths 20:33 - Empath, Co-dependent, or Both? 22:30 - Individual healing offering 25:00 - Tips for just starting the healing process 27:30 - Course content 31:00 - Embracing your empathic abilities 34:10 - Can extroverts be empaths 35:26​ - Empath morning ritual journal 36:50 - Kristen's offerings 38:00 - Kristen's charities 41:03 - Kristen last thoughts 42:37 -Meditation for letting go Kristen Schwartz - MA (Counseling), Author, Trauma Healer, Entrepreneur  I’m an intuitive, sensitive healer at heart. I was guided to my degrees in Counseling/Psychology for a reason (empathy on overdrive). I'm currently working on my Trauma Recovery Certification. It’s a gift, a passion, a purpose. I created Realized Empath to support the specific healing needs of the empath and highly sensitive person. Through self-awareness, we see our blocks; we learn to release what we perceive by healing our pain. By acknowledging our needs, we begin to trust and deepen intuition. By implementing boundaries, we feel safer in a hi-definition world. Phone: 480-674-0774 Email: [email protected] Website: www.realizedempath.com/ & linktr.ee/realized_empath Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

Today's show is a part 1 of 2! We have the incredible Kristen Schwartz from Realized Empath on to talk to us about empaths, healing, trauma, and so much MORE! Kristen is incredible because she found a way to help others heal through healing herself. In today's part 1 of the show, we will cover Kristen's background and how she came to where she is today, what exactly is an empath, and how that is different from someone who is highly sensitive. Stay tuned for part 2 next Friday! Listen & Learn: 2:00​ - Introduce Kristen 3:45​ - How Kristen found out she was an empath 5:15 - What is a spiritual awakening 15:30 - More on Kristen's awakening & healing process 17:15 - How she built herself back up 20:20 - What is an empath 22:14 - How Realized Empath came along 26:50 - Why Kristen started Realized Empath 28:25 - More about Kristen & her website 33:15 - How to get in touch with Kristen & what services she offers Special Guests: Kristen Schwartz - MA (Counseling), Author, Trauma Healer, Entrepreneur I’m an intuitive, sensitive healer at heart. I was guided to my degrees in Counseling/Psychology for a reason (empathy on overdrive). I'm currently working on my Trauma Recovery Certification. It’s a gift, a passion, a purpose. I created Realized Empath to support the specific healing needs of the empath and highly sensitive person. Through self-awareness, we see our blocks; we learn to release what we perceive by healing our pain. By acknowledging our needs, we begin to trust and deepen intuition. By implementing boundaries, we feel safer in a hi-definition world. Phone: 480-674-0774 Email: [email protected] Website: www.realizedempath.com/ & linktr.ee/realized_empath Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!

This week's show is our part 2 from last week with the INSPIRING Rachel Gurevich! Rachel is an RN, Freelance Write, Editor and has overcome many challenges to get where she is today. We will cover how she got her first writing gig (never having written a book before), and what it means when she says "you have to turn your life upside down to get right-side up"! If you haven't already be sure to check out Rachel's first episode with us last week for more background information on today's show. Listen & Learn 2:10​​ - Rachel explains her FB post 7:05​​ - Tools for writing a book 8:50​ - What is Fabjob 9:40​ - Rachel's first writing job 14:30​ - How to find the time 16:15​​ - Advice for those starting out 22:18​ - Why Rachel writes non-fiction books 24:45​ - Ways you can hire Rachel 29:20​ - Rachel's favorite part of what she does 33:30 - How Rachel works with cancer patients Special Guests: Rachel Gurevich - RN, Freelance Write, & Editor My passion is helping women make informed and empowered decisions regarding fertility, pregnancy, birth, and beyond. I'm the author of three books: Birth Plans for Dummies (with coauthor Sharon Perkins), The Doula Advantage, and the FabJob Guide to Become a Doula. I also write about fertility for Verywell. Besides the womb-warrior mission, I'm the mother of four children, a voracious reader, and gaga for all things writing. Email: [email protected] Website: www.rachelgurevich.com Follow us on Facebook @GratefulHeart.Tv 😄 Listen 🎧 to the full show anywhere you stream podcasts!