15:00Diane Vance - Fairway Independent Mortgage-Diane forecasts any impact on bay area home buyers after the half point rate change set for Dec. 1st, other factors may also impact our market but half point probably not going to have a drastic impact19:00 - 24:00William Crowley - Credit Restoration-defines the "Fair Credit Reporting Act" and explains how the laws can improve your credit, most debt collectors are violating the law with collection attempts on debt that has not been verified by you, they must verify debt w you, before collection attempts27:00 - 46:00Michael Griffiths & Justin Beck- Gulfside Healthcare Services-the guys explain the many roles that Gulfside plays...home healthcare covers many different areas, nursing, rehab, treatment...Gulfside provides several million dollars of care to those who cannot afford to pay. See acast.com/privacy for privacy and opt-out information.