The Culture Matters Podcast

"Interest is not an accidental, historical, legal category, which makes its appearance only in our individualistic and capitalistic society and will will vanish with it, but an economic category which springs from elementary economic causes and therefore, without distinction of social organization or legislation, makes its appearance wherever there is an exchange between present and future goods." - Eugene von Böhm-BawerkThe founder and CEO of Integrated Financing Jonathan Fodera and today we're taking a look at the some of the tougher financial dilemmas facing the world today. From business owners taking out loans to pay for things they can't afford to the dangers of paying the minimum on credit card bills to the frequency of missed car payments in 2023, there are a lot of murky financial waters out there and we have Jonathan here to lay out some truths that may not be the easiest to hear. His advice is to write things down, make sure you get your questions answered, and spend within your means and from a man with as much financial background and success as Jonathan, that is advice you can take to the bank.

“And those who are seen dancing were thought to be insane by those who could not hear the music.” - Friedrich NietzscheHead of Engagement and Outreach at American Business Media Andrew Berman is stopping by the show today to chat about mortgages. Andrew has some positive vibes to throw around with reminders that there is always a way to find a solution to a problem out of the gate before getting into the importance of referrals, how vital skill sets and viable business models are in today's climate, and reminding us all that, while we all want our dream house, being realistic and finding something affordable is always the best way to go. We've got honesty, positivity, and some very good advice from the one and only Andrew Berman.

“Markets can remain irrational longer than you can remain solvent.” - John Maynard KeynesPhil Mancuso is a partner at EPM and President of Appraisal Nation and he is stopping by the show today to share a little of his wisdom with our listeners! Phil digs in with Jay about how preparation can make everything clear and when plans don't get quite right, how the financial status in the U.S. has changed recently and what that looks like on a daily basis, and Phil gets pretty real with his assessment of just how bitter the current landscape can be. Phil is a guy who doesn't hold back, so get ready to get real on this episode of The Culture Matters Podcast.

“Quality means doing it right when no one is looking.” - Henry FordFounder of The Real Estate Recovery Group and a true master of the short sale Matt Merenoff is joining us on the show today and we couldn't be happier to have his unique voice on the show today! Matt and Jay unpack what it looks like when building expenses made out of resentment overreach income, what the short sale is and what programs are available to aid in the sale, and the deception of social media. Remember to take every viable opportunity that comes your way and if you don't want the business, someone else will and that's exactly what Matt Merenoff is here to demonstrate.

“Rank does not confer privilege or give power, it imposes responsibility.” - Peter DruckerAuthor, consultant, coach, and Vice-President of Learning and Development of NextHome Jim Fischetti joins us on the show today and we are getting into the world of business. The topics of today's discussion include, but are not limited to, what it actually means to sell a business, making your own market as a salesperson when the market disappears, and while it is important to provide for your family, it is even more important to be there for them. Service breeds rewards and Jim Fischetti is here to tell us why on this episode of The Culture Matters Podcast.

“Trust is the glue of life. It is the most essential ingredient in effective communication. It is the foundational principle that holds all relationships.” - Stephen CoveyAaron Scott Young is the chairman of Laughlin Associates and the creator of The Unshackled Owner has made his way to The Culture Matters Podcast and today we're talking about leadership. Aaron and Jay discuss finding the people who inspire and motivate you to succeed, making sure that your employees are empowered with the proper tools they need to be as successful and effective as possible, and knowing when, as a leader, to step aside to let others succeed or when to stand firm and lead your company or team. We've got a lot of ground to cover today, so please enjoy this discussion with Aaron Scott Young.

“Let me put it this way, I’m standing in front of a burning house, and I’m offering you fire insurance on it. Saints don’t live on Park Avenue.”“How are you fucking us?”“When you come for pay day, I’m gonna rip your eyes out. I’m gonna make a fortune. The good news, vinny, is you’re not gonna care because you’re gonna be making so much money. That’s what I get out of it. You wanna know what you get out of it? You get the ice cream, with the hot fudge, the banana, and the nuts, and the sprinkles. And yeah, if this goes through, I’d get the cherry, but you get the Sunday Vinny.“Alright, I buy that, thank you.”“In the years that followed, hundreds of bankers and agencies and executives went to jail. The SCC was completely overhauled, Congress had no choice but to break up the big banks and regulate the mortgage and derivatives industry. Just kidding, the banks took the money the American People gave them and used it to pay themselves huge bonuses and to lobby Congress to kill big reform. Then they blame the immigrants and poor people, and this time, even teachers. And when all was said and done, only one single banker went to jail, that poor schmuck.” - The Big ShortBill Mervin is the leader of the Bill Mervin Mortgage Team and he's joining the show today to talk about (surprise)...real estate! Bill drills down into the how of supply and demand in the housing market, what it means to be in an appropriate position for owning home, and gives a little insight into the potential risks of a side hustle and how the government regulates them. We always enjoy having Bill on the show to share a little wisdom, so we hope you enjoy this episode of The Culture Matters Podcast.

“Where the art of medicine is loved, there is also love for humanity.” - EpocratesTransformative health and wellness expert and great friend of The Culture Matters Podcast Dr. David Yerkes joins the show today to impart some of his medical expertise on our listeners. Dr. David gives a little insight into his journey into the medical field and where that journey has taken him today, how the public perception of the medical field is often pretty far from the truth, and how true wellness comes from a combination of mental and physical exercise. Jay and the good Doctor even discuss Jay's accident and Dr. David throws around a little medical advice pro bono! Dr. David is an extremely knowledgeable and well-rounded medical professional and we are very happy to have him on today's show!

“The trick is not to learn to trust your gut feelings, but rather to discipline yourself to ignore them. Stand by your stock as long as the fundamental story of the company hasn’t changed.” - Peter LynchWall Street financial advisor and consultant Gary Nash joins the show and if you hadn't already guessed, we're talking finance! Gary shares some experiences from his early life including dealing with racism and overcoming barriers to becoming the first black president of his high school and how pursuing a degree in architecture turned into a career on Wall Street. Gary and Jay are are also dive into Gary's thoughts on looking at investing as an opportunity instead of a gamble, technology's role in the stock market, and what a CEO's responsibility is to shareholders. With over a decade's worth of experience, Gary really knows his stuff and we are extremely happy to share his knowledge on this episode of The Culture Matters Podcast.

"Don't not ask who I am and do not ask me to remain the same. More than one person, doubtless like me, writes in order to have no face." - Michel FoucaultVoice actor and coach and the founder of Duffin Media and Duffin Coaching John Duffin joins the show today and this professional talker is here to talk with Jay about a lot. From the importance of articulation and staying in the game to being known for being honest and why you should never stop learning, John and Jay are covering a myriad of topics on today's episode. It's easy to see why John speaks for a living after you've heard him speak and we can assure you there is never a dull moment when John stops by The Culture Matters Podcast.

“You start the first third of your career on your back, your second third on your feet, and your last third on your stomach.” - Ben ReinbergOur guest today is a real estate professional and the founder and CEO of Alliance Consolidated Group of Companies LLC Ben Reinberg and he is here today to share a little of his knowledge with us today. Ben and Jay are talking real estate, accountability, appreciating the little things, and why a good property management group is worth its weight in gold. Ben has some great advice on investing in recession-resilient industries and he's here to pass that on. Make sure you're paying attention to this episode of The Culture Matters Podcast.

“A proud man is always looking down on things and people; and of course, as long as you are looking down, you are unable to see what is above you.” - C.S. LewisRobert Frehafer is the owner and founder of Guardian Roofing & Siding and today we're talking about faith. Jay and Robert dig into Robert's journey to finding his faith, how it affects and impacts his daily life, connecting and learning alongside the members of his church's youth group, and knowing who you are. There are challenges in everyone's life and morality and ethics are going to be tested and Robert and Jay discuss what it means to turn to something higher in order to keep your priorities straight. We're going pretty deep today and we hope you enjoy this conversation with Robert Fehafer.

Darius Mirshahzadeh, author of Core Value Equation, creator of the Greatness Machine, and founder of multiple beneficial companies. In this episode, Jay and Darius talk about goals within their realms of business, how to achieve them with purpose, and how to make a difference. Tune in to challenge yourself and discover your own greater purpose.

Kevin DeLory has over 20 years of experience in the TPO space. Kevin has a leadership style that always puts him in the trenches working through any problem with his team versus a bird’s eye view from above. Kevin believes in the bottom-up philosophy that the leadership team at EPM has created. Kevin has several internal core values but among them his favorites are accountability, relationships over transaction, and integrity. Today, Kevin is the Chief Lending Officer and Partner at EPM (Equity Prime Mortgage) where he thought culture was just a buzzword, and boy was he wrong. Kevin explains his journey at EPM as a complete 180. “Everybody speaks about culture, but nobody lives it like I have seen in this organization” said DeLory after celebrating his one-year anniversary in August of 2022.More than anything, Kevin’s experience has left him an eager mentor. The greatest joy in Kevin’s life aside from his daughter is to help his team become the best that they can be. That means both in and out of the office. He learns from his people just as much as his people learn from him and for that he is eternally grateful.Having been in the industry through its ebbs and flows, Kevin is familiar with the stresses and rewards, and can turn ANYONE into a high performer. His strong sales training ability mixed with his leadership and culture knowledge is a perfect recipe for anyone who walks through his door ready to learn and grow.You can reach out to Kevin anytime by email at [email protected] or you can go to epmwholesale.com and fill out any form or see anything EPM’s team is up to there. You can also tune into his podcast, “The Whole Perspective” with his SVP of Lending at EPM and best friend of 30 years, Kenny Phillips. They air an episode every Friday at 11:30AM EST. In this episode, Jay hones in on Kevin's story, life experiences, and mortgage industry knowledge. Tune in for the ride that it is.

Graham Lichtner is the founder of Pillars Of Growth (Mind | Body | Spirit), a personal coaching company focused on helping men work to awaken their infinite potential and change the world by changing themselves. Through 1 on 1 sessions, group experiences and in person retreats Graham and his team create the space to make the unconscious, conscious, step into deeper levels of masculinity, and BEcome the Legend of your own journey.In this episode, Graham and Jay discuss what is possible with the pillars Graham has created and what Graham's success has looked like within this company. Listen in!

Joe Specializes in Helping those who need to move quickly and clients from out of state who need to relocate.Brooklyn Born, Joe Moved to Miami in 2014 and has Never looked back since! His Business is built onDedicationCommunication Determination & Trust. Joe has the unique ability to cater to and adapt to all of his client's specific needs. You will be delighted with how smooth it will be! In this episode, Joe and Jay discuss what Joe's experience and tactical movements have been in his career that shares his success today.Follow Joe: @gottacalljoe on IG and @JoeBrikman everywhere else.Check out Joe: JoeBrikman.com

Twenty-five years ago, Tony Capullo founded a national consulting firm that provided regulatory, compliance, audit, and cutting-edge, web-based training solutions to healthcare organizations across the country. His company, PPS, developed, implemented, and evaluated corporate compliance programs for healthcare organizations and also served as the Independent Review Organization (IRO) for the Office of Inspector General imposed corporate integrity agreements. From 2005 to 2008, PPS served as a MEDIC contractor for CMS. As an integrity contractor, PPS was responsible for promoting the integrity of the Medicare program by helping to address fraud, waste, and abuse by identifying problems, internal control gaps, and potentially fraudulent activity. Mr. Capullo is a lifetime member of Cambridge Who’s Who in the National Register of Honored Professionals, Executives, and Entrepreneurs. He has been an expert witness on Medicare issues in TN, NC, MS, and AL. He has been featured in several business magazines and periodicals and was nominated by the Business Advisory Council for Florida Businessman of the Year in 2003, 2004, and 2005. He served nine years as a member of the Editorial Board for Report on Medicare Compliance and has contributed articles to the Aspen Publishers’ Physician Practice Compliance Resource Manual and Strategies for Healthcare Compliance Officers. He was featured in CNN Radio's "The Innovators"​in February 2012 and on "Mind Your Own Business," Radio for Entrepreneurs, in 2014. He was nominated for Entrepreneur Magazine's "Entrepreneur of the Year"​ for 2012.In this episode, Tony and Jay discuss everyday advice Tony has received and given and his approach to what a true consultant is, Tony explains explicitly that there are leaders in all of us.

As the real estate market shifts from print to digital technologies and online marketing, Michael is exceeding client expectations. His unique skill-set and determination to stay ahead of the industry as a Luxury Lifestyle Realtor® coupled with his depth of experience and professionalism, commitment to excellence, and stellar customer service truly positions him as a force for his clients. Quickly earning such positive notoriety as a leader in his industry, he is consistent in delivering premium service across the board. Michael is honored to serve his home state of Connecticut, one of the most robust markets in the country. Being a collegiate All-American swimmer, Michael understands the amount of hard work, discipline, and dedication it takes to excel at what he does. He is a trusted member of his community at large and locally. While teaching and coaching swimming in New Canaan and Trumbull, Michael's local insights and knowledge of the area give him and his clients quite an advantage towards making their goals, reality. He is no stranger to competitive markets or competition, which enables him to be a powerful competitor and real estate agent who provides white-glove service on top of his unmatched negotiation skills which you won't find elsewhere. Michael is the agent who will get your home sold or help you find the perfect lifestyle and home to buy.In this episode, Jay and Michael discuss why the time is now to focus on not just your business but your brand to always ensuring the end goal in mind!

Phil Mancuso has worked in the financial services industry for several decades. He continues to make it better with his futuristic style of thinking as well as customer service skills in communication and keeping his word. Phil believes that one plus one doesn’t always have to equal two… Maybe we can think outside of the box and come up with something that only people have dreamed of. As a strong financial professional, strategist, and leader, Phil believes that a rising tide can lift all boats, and when we unify through collaboration, we can get the job done. Today, Phil is the President or “El Presidente” of Appraisal Nation and the Chief Investment Officer and Partner at EPM. More gets done with Phil than without him, and EPM, Appraisal Nation, and the other partners are grateful for his leadership every day.In this episode, Jay and Phil discuss what it means to be relentless in today's market and the concept of how when you work hard, really anything you put your mind to can be achieved. Learn about mortgage, finance, leadership, and life in this episode!

Having lived in Bucks County since 1980, Joseph has an extensive background and knowledge in the history and background of Bucks, Eastern Montgomery County, and surrounding communities. When people think about Real Estate representation, one should expect the best. When it comes to servicing my clients, I have the innate ability to inquire and follow through with every task and assignment that I encounter. My keen ability to simplify the process and put clients at ease insures that everyone involved stays informed with clear, concise communication. This is the cornerstone of my representation.Joseph Bograd, a 13-year veteran of the Bucks and Montgomery County real estate industry, attributes his success and reputation to his optimistic approach and sincere commitment to helping his clients fulfill their real estate needs. “My main goal is client satisfaction,” says Joseph Bograd, who strives to establish an ongoing relationship with each buyer and seller he represents so that he may be of continuing service to them. “When listening to my clients’ wants and needs, I am able to help make their journey towards obtaining their dream home a pleasant experience. When you work with me, you receive more – more compassion, more awareness, more sincerity, more diversity, more of what you expect from your real estate broker. “Dedicated to his community as well his vocation, Joseph Bograd serves as a Member of the Bucks County Association of Realtors and actively sponsors various charitable organizations. When it comes to real estate, “The Difference is Joseph Bograd.”This is a throwback episode that Jay recorded with Joe three years ago but the value holds true to today because that's exactly who Joe is, real and authentic! Tune in!

Through Vetted VA™, Christopher Griffith is working for Veterans who want to use the VA Home Loan Guarantee to purchase their home – and take control of their lives.He is a Marine Veteran, entrepreneur, educator, motivator, and a “nobody from nowheresville.” Christopher understands personally what the VA Home Loan Guarantee can do to change lives for the better; that’s why he is dedicating his time to creating a better solution that will make it easier for Veterans to get the mortgage they want with all of the perks they desire. He is bringing awareness to the fact that service and integrity are missing from the practice of real estate, mortgage, and lending in the United States. This does not mean every single individual working as a broker/mortgage originator, but rather the system that has evolved into a feeder system for large banks and small predatory lenders.Not only does Christopher commit to sharing community-building exercises and stories, but he’s also deft at it. He has become a top thought leader in the community of Veteran advocates through his prolific use of media. The beauty of the Internet is that you can build a voice for your business and community without spending a dime, which is exactly what Mr. Griffith has done. The amount of time and effort he puts into helping his neighbors and community is bountiful. He truly believes in the power of giving and goes all out.He saw the opportunity to build something different, something special, something built on common principles based on relationships. Christopher also builds trust, which forms strong family-like bonds between clients, brokers, friends, and neighbors that will last a lifetime.In this episode, Jay and Christopher discuss the importance of the code of conduct, how to be the warrior who brings others back, and what it means to develop personally.

Throwback episode to three years ago in May of 2019, where Jay sits down with Noah Ostroff, CEO and President of PhillyLiving, to learn about his story and how he has made the real estate industry better for it.Now, Jay and Noah are great friends and have learned a lot from each other. Tune in and learn for yourself!Noah Ostroff is a serial entrepreneur in the Philadelphia real estate industry. He is the Operating Partner of a Keller Williams brokerage called Keller Williams Philly, the CEO of his mega real estate team called PhillyLiving, and the founder and CEO of Center City Development. Noah got his start as a project manager for Toll Brothers and, subsequently, Centex Homes before venturing into real estate. He began his real estate team and development company in 2010. Philanthropy and service are extremely important to Noah. From 2013 to 2019, Noah donated many “free houses” to various charities around Philadelphia by raffling houses to the high bidders and donating the money to charity. As a respected industry expert, Noah became a board member in 2016 for the Building Industry Association (BIA) and has continued to serve in this capacity.Noah is married to his wife, Ashley, and they have three beautiful children.

“It’s impossible to wake up every day doing the right things and get the wrong results.” - Brian HessBuilding a foundation for an industry with many players takes commitment, integrity, and relentlessness–just three of many qualities that have enabled Brian Hess to build a 7-Figure company and forge enduring relationships with clients that are in the rankings to span decade(s).Over his lifetime, Brian has devoted himself to focusing on the specificities of hard work. When it is time for his legacy to live on, those who know him will remember him as someone who has set the example for being exceptional in every aspect of their life. As CEO and President of The Pavement Group, Top Contractor School, and Host of The Perspective Podcast, Brian has proven that serving his clients and listeners using his unique data will pave the way for more industry icons to follow his lead. Brian leads an esteemed team of various skills with expertise in technology, marketing, production, sales, and of course, construction.Brian’s definition of happiness is fulfillment and knowing one has made the difference they sought to make, which is mostly influenced by being a son, husband, father, and CEO. With an extensive understanding of leadership, oration, and his proprietary technology, Brian expertly navigates through all the processes he and his team have created to ensure success, avoid pitfalls and achieve the highest value for those he works with. Inspired by Brian’s example, his influence gives the perspective to those who have invested in his brand to take time to understand goals, be responsive and transparent in their communications, and earn trust. When two of Brian’s personnel achieved their goals of buying their first home, it allowed Brian to see that he and his team built something from scratch that enabled the American Dream to be possible for his people.In a field that typically runs on fleeting transactions and minimal innovation, Brian has elevated the concept of tailor-made client service in developing a hallmark approach centered on personal attention, customized technology, education, and a mentor to a mentee revolving door for the utmost success.Brian is a natural-born teacher as well as a natural-born student. He says, “It’s impossible to wake up every day doing the right things and get the wrong results,” and with the values, he has instilled in his team, family, and company doing the right things come naturally. From a young age, Brian has welcomed hard work, but the main lessons he has learned in life is never to give up, that knowledge is worth way more than money, that listening is the most important thing you can do, that time wasted is time you never get back, and to make the most out of every day. In personal time, Brian enjoys spending time with his family and says that his favorite job is as a Father and Husband. Brian follows the diligence, love, and culture-building skills he learned from his greatest influences; his parents. He and his wife, Lori, have built a beautiful life with their four children, Paisley, Kingston, Quincy, and Preston, and Brian says he has never felt as loved as he does at the end of the workday when he walks into his house. For Brian Hess, there are no regrets, only results driven by a brand built on influence, determination, and finding the perspective uniquely to all the individuals with a goal to prosper.In this episode, Jay and Brian discuss what it means to show up as your best every day and how they are both doing it with no questions asked.Follow Brian @realbrianhess everywhere.

This episode teaches you about learning and how it is never endingTroy Korsgaden is a highly sought-after insurance and financial services consultant. He is the principal of Korsgaden International, which specializes in global marketing, distribution, agency building, and technology strategies for many of the world’s largest insurance carriers and financial services companies.As a consultant, speaker, and author of seven books, Korsgaden’s mission is to help the insurance industry and its representatives wake up to the radical transformation taking place in the industry and create the necessary tools and roadmaps to best navigate and build success in the rapidly changing insurance and financial services landscape. A widely-respected expert in personal distribution and other methods, Korsgaden trains corporate insurance and financial services leaders on customer service, change management, and transformational work, among many other critical issues impacting insurance carriers and financial services companies.Korsgaden helps those in the industry learn how to better communicate with their teams and consumers so that consumers develop a higher appreciation for the value of insurance products and their insurance advisor relationships. Korsgaden International provides turn-key approaches using leading technologies and management tools that create fluency and seamlessness in product delivery and customer service.Hundreds of thousands of insurance and financial services executives, agents, brokers, and staff members have been inspired and empowered by Korsgaden's seminars and guidance for over 30 years.

In this episode, Colton Lindsay, Real Estate Mogul and Entrepreneur for a very philosophical, spiritual and realist point of view in conversation.Colton has strong views on culture and why it matters. Listen to this episode more than once to grasp the pure brilliance in this conversation.Follow Colton:@ColtonLindsay on Facebook@ColtonLindsay on LinkedIN@thewgr on Instagram

Darius' passion is to make the world a better place, using his talents and engagement. Darius' top-six core values are happiness, which he calls heart, love, which he calls Besos, passion, which he calls "Eye of the Tiger, curiosity, which he calls Cinco, creativity, which he calls BOOM, and last but not least, balance, which he calls Movie Night. Darius is a CORE VALUE Expert so much so that he wrote The Core Value Equation so you can be an expert too.Listen to this awesome conversation as Jay and Darius explore the brilliance of what Darius brings to every table among much more.

Eddy is a seasoned professional with experience holding multiple executive-level positions. Prior to founding Equity Prime Mortgage, in 2008, Eddy operated the top producing office for Global Mortgage, Inc. and has personally closed over 3000 loans since entering into the mortgage business. Eddy's position as CEO of Equity Prime Mortgage has responsibilities that include overseeing his C-level executives. Eddy and EPM are empowering people more, every day.In this episode, Jay and Eddy discuss why opportunity is so powerful, what the American gift is, and why leading from the top ignites culture.

Jefferson worked in construction, auto mechanics, pressure washing, and door-to-door sales. Jefferson felt stuck at those jobs. He knew he was destined for more. He dreamed of having his own business. In 2019, he made his dream a reality when he opened JKR Windows. Today, he helps people make their dreams a reality!Within two years, Jefferson has grown his business to $10 Million in revenue, changed people’s lives as their leader, and has helped other entrepreneurs do the same with his coaching and mentoring programsIn this episode, Jefferson and Jay discuss how Jefferson changed his path for the better and for the future of his life to turn it into what we see today in an extremely successful entrepreneur.

Starting as an intern in college, Peter was entrenched in the industry at an early age. After a few years as a captive agent, Peter branched off to an IMO and went through some trial by fire when it came to building and managing a team. Mistakingly focusing heavily on recruiting early on and trusting in a self-serving up-line, Peter had to dig himself out of a spot that so many agents find themselves in early on in their career. After making careful adjustments and reevaluating his business plan, he grew himself into a top personal producer and a well rounded manager and trainer, aiding his agents in achieving career milestones, both personally and financially. Today, Peter manages a team of agents, personally produces in the field, but most importantly, trains and coaches agents outside of his organization on how to become successful in the industry and avoid the mistakes that he had made in the past.Follow Peter on IG @peterjfournier to learn more about him or ask him any questions you may have!In this episode, Jay and Peter dive into how Peter got started and created his empire with a true entrepreneurial drive. Tune in to this amazing episode!

Born amongst the palm trees and percussion of Miami, René began splitting his time in frosty Minnesota as a teen. This continuum of climates and cultures introduced him to the breadth of the human condition at a young age. He then attended University of St. Thomas where he began to see the power of applying neuroscience to create personal and professional change. For over two decades, René has been researching and applying behavioral neuroscience as a dynamic keynote speaker, leadership advisor, world class sales expert, and renowned speaker coach. He has also trained more than 100,000 people in applying behavioral psychology and neuroscience methodologies to solve some of the toughest challenges in leadership, sales and change.As an entrepreneur and CEO of multiple companies, Rene integrates a practical business approach that inspires his audiences to take action. Through his keynote, bootcamps, workshops and proprietary Amplifii™ course, he helps us own our backstory to build the frame for our unique and beautiful picture of life. Rene has authored dozens of articles, and is currently in the process of writing his first book - Amplify Your Influence.This podcast is a way for you to learn what it means to be an influencer, a leader, and a better person. Tune in!

As the visionary behind 20 / 20 Vision for Success, Christine brings her personal and professional philosophy into the firm. This value core is infused in every aspect of the service provided by the 20 / 20 Vision for Success team. Beginning with your initial contact and continuing beyond your contracted time, 20 / 20 Vision is committed to your accomplishment and success. In this episode, Jay asks Christine many questions about what 20/20 for Success has and will do for your company in the mortgage and real estate space today. Listen in for tactical advice and if you're curious about how Christine and her team can get you to the finish line check out her website: https://www.visionyoursuccess.net

Mike Calhoun is the Founder & CEO of Board of Advisors, the world’s greatest community for founders, entrepreneurs, CEO’s, investors, marketers, e-commerce moguls, business developers and high level decision makers. Mike has over 27 years of consecutive entrepreneurial ownership experience and an endless rolodex to compliment.Calhoun is also an advisor, owner and investor in multiple companies and brands within BA. He established this global community of wildly successful entrepreneurs to work together with the mindset of competitively contributing to each other by doing three things: "Solving problems, Sharing Strategies and Shorting the Path".In this episode Mike and Jay discuss the importance of being understood, how to get to the root of desire, and how important culture is! This is a second time appearance for Mike and we are excited to present this next episode to you!

When Karen began in the mortgage business, she never imagined she would become a pioneer and an advocate for women in the mortgage business. In Karen's small town, she was the first woman closing agent, the first woman loan officer, the first woman branch manager, and ultimately the first women-owned mortgage company with an all-female staff.After a tragedy in the family Karen could’ve gone back to working as a loan originator, but she knew her desire was to share and mentor other women on how to increase THEIR mortgage business. Here’s a fact: Women conduct business differently than men — not good or bad — just different.After attending a few mortgage sales rallies or association meetings, Karen noticed the speakers were mostly men in the industry; so, she asked why more women speakers weren’t hired and she was told “because we don’t know where to find them.”Karen saw the opportunity and created the Mortgage Women Speakers Bureau as a one-stop website where top women experts in the mortgage industry can easily be discovered and hired to speak.Karen's goal is to make sure that more women speakers who are in the mortgage business be asked to speak at mortgage company sales rallies, events, and mortgage association meetings.In this episode, Karen and Jay discuss amazing things about being business and how to delegate as a true entrepreneur.

When Edwin Carrion was 14, he became an entrepreneur and never looked back. Edwin has had it all, lost it all during the real estate crash, and got it back and then some. One of Edwin's passions is to share his experiences and knowledge by helping small businesses get off the ground, grow, and achieve their goals through education and mentorship.Edwin's greatest love is spending time with my beautiful wife and daughters, traveling, boating and flying.Today, Edwin works with beginner and intermediate real estate investors and developers. When they work with Edwin they learn and get: Real-world negotiations strategiesOne on one mentoring with a successful real estate developerTax Saving Strategies Real Estate forms and templatesHow to find real estate development and demand in their local community.In this episode, Jay and Edwin unpack Edwin's journey through entrepreneurship as well as the power of mentorship!

An explosive episode with Dr. Derrick DeSilva!!Dr. Derrick DeSilva is a nutritional expert, published author, speaker, and a Dr. of Internal Medicine who has been instrumental in the formulation of more than 350 supplemental products. He is a practicing Internist at the Raritan Bay Medical Center in Perth Amboy, New Jersey, and is on the teaching faculty at JFK Medical Center in Edison, New Jersey. He has lectured on various topics in medicine, nationally and internationally, and is host of a radio talk show called “Ask the Doctor,” as well as his own television show, “To Your Health.” He is currently the medical correspondent for Cablevision (News 12 NJ) and Host of “Health Matters”.He also hosts medical segments on CNN and has appeared as a guest on numerous national television programs, including ABC’s “Nightline, Larry King Live, The Housewives of New Jersey, and most recently, he was asked to be a regular health expert on the TV show, “EXTRA.”Additional accolades include, recipient of the Alan Mintz Award for Excellence in Clinical Age Management Medicine, the Best Doctor Award in New Jersey and New York by Castle Connolly for the past 19 consecutive years and many more. In this episode, Dr. DeSilva and Jay unpack why the gut is your second brain, how to live a long life, and why it is so important to put the right stuff in your body! One of the things that Dr. DeSilva is part of is Fuel4Closers and the recipes are strictly made for a long and beautiful lifestyle putting the right things in your body!Check out https://www.fuel4closers.com for more info!

Ben Newman is a highly regarded Performance Coach, International Speaker and Best-Selling Author, whose clients include Fortune 500 companies around the world, business executives, sales organizations and professional athletes in the NFL, PGA, NBA, MLB, UFC and NCAA.Ben serves as a Mental Conditioning Coach for the 18-time National Champion Alabama Crimson Tide football team and has worked with players from the last 3 Super Bowl Champion teams. He was recently selected by Influencive.com as one of the TOP 10 Motivators in Sports and Real Leaders Magazine selected him as one of their 2019 and 2020 TOP 50 Speakers in the World.In 2021 Ben’s highly anticipated new book UNCOMMON LEADERSHIP will be released and through the adversities of Covid-19. The BNC Speakers group and BNC Coaching group have had a tremendous impact on organizations finding alternative ways to drive growth. His clients have included: Microsoft, United States Army, Anheuser-Busch InBev, Quicken Loans, Miami Dolphins, MARS Snackfoods, Kansas State Football, St. Louis Cardinals, North Dakota State Bison Football, Northwestern Mutual, AFA Singapore, Mass Financial Group, Wells Fargo Advisors, Great West Life Canada, Boston Medical Center, Boys & Girls Club of America, St. Croix, Missouri Tigers Basketball, New York Life, The University of Iowa and The Minnesota Vikings…as well as thousands of executives, entrepreneurs, athletes and sales teams from around the globe.In this episode, Ben and Jay have an empowering conversation about similarities in both their lives, why Ben does what he does, and how he does it.Tune in for what is an amazing episode of The Culture Matters Podcast

Jonathan Fodera is an experienced consultant with a demonstrated history of working in the financial services industry. Skilled in Banking, Sales, Business Development, Entrepreneurship, and Strategic Planning. Strong consulting professional with a Bachelor of Science (BS) focused in Economics from Stony Brook University.In this episode, Jonathan and Jay discuss the power of tracking your number and what comes of it when you do. This was one topic of many as Jonathan is truly an expert at his craft.To get in touch with Jonathan or find out about what he does go here:https://linktr.ee/Jonathanfodera

Jeremy Adams thinks too big to put him in a nutshell, but here are a few words that define this co-founder and CEO of Unicorn Innovations; a paid advertising firm that has generated hundreds of millions in traceable revenue for many internationally recognized partners and clients: Growth-Seeker, Giver, Lifelong-LearnerJeremy Adams enjoys starting his daily routine from anywhere in his worldwide home office. Recently, Jeremy launched his new podcast: Openly OutspokenLearn more or subscribe at: http://openlyoutspoken.comYou will also find this interview there as it was launched for both mediums.In this episode, Jay and Jeremy discuss everything business, success, entrepreneurial, relationship-seeking and of course, culture!Tune in, you will not be disappointed.

Building a foundation for an industry with many players takes commitment, integrity and relentlessness–just three of many qualities that have enabled Brian Hess to build a 7-Figure company and forge enduring relationships with clients that are in the rankings to span decade(s). Over his lifetime, Brian has devoted himself to focusing on the specificities of hard work. When it is time for his legacy to live on those who know him will remember him as someone who has set the example for being exceptional in every aspect of their life. As CEO and President of The Pavement Group, Top Contractor School, and Host of The Perspective Podcast, Brian has proven that serving his clients and listeners using his unique data will certainly pave the way for more industry icons following his lead. Brian leads an esteemed team of various skills with expertise in technology, marketing, production, sales, and of course, construction.Brian’s definition of happiness is fulfillment and knowing one has made the difference they sought out to make which is mostly influenced by being a son, husband, father, and CEO. With an extensive understanding of leadership, oration, and his proprietary technology, Brian expertly navigates through all the processes he and his team have created to ensure success, avoid pitfalls and achieve the highest value for those he works with. Inspired by Brian’s example, his influence gives the perspective to those who have invested in his brand to take time to understand goals, be responsive and transparent in their communications, and earn trust. When two of Brian’s personnel achieved their goals of buying their first home it allowed Brian to see that he and his team built something from scratch that enabled the American Dream to be possible for his people.In this different episode of The Culture Matters Podcast, Jay and Brian sit down in person for a 90 minute interview of Brian's clear definition of Cultural Alignment in any workplace, environment, family, and life!Tune in!

This episode has an action packed almost three hours with one of the most versatile conversations so far!Don Henig's primary career focus was in the mortgage and real estate industries. He was president and built the 6th largest wholesale mortgage lender in the nation and also built a direct-2-consumer platform to the 5th largest in the nation. In addition, Don built and sold his own mortgage banking entity and also helped grow a regional mortgage banker into a national platform in short order. Throughout Don's career, he was responsible for over $150 billion in mortgage financing.Some additional highlights include:- Bought and sold 300 fix & flips in an 18-month span (all for a profit).- Created an entertainment company that created and produced the 27th longest running Broadway show of all-time, Rock of Ages and 8 feature length movies with the biggest names in Hollywood.- Created Youth Soccer a physical soccer publication with 167K copies printed and distributed p/m. Sold to partners. Became the official paper for NYS Soccer.- Created, built and sold a national mortgage broker franchise platform. - Don served as President of the NAMB and founded the NYAMB and was the first broker to serve on the Board of Governors of the MBA of America, as well as its Exec Comm.- One tremendous experience was testifying before both the US House and US Senate on mortgage industry topics at the ripe old age of 30.- Developed an app to help people buy, sell and lease properties in a unique manner. This episode is full of business knowledge, culture knowledge, and everyday information to set you up for success!

Bill Mervin has been both a real estate agent and a financial advisor but found his true passion to be mortgage banking and has been in this industry for the past 15 years. He is currently licensed in Pennsylvania, New Jersey, Delaware, Maryland, Florida, and California. He takes a consultative approach at getting people mortgages. He believes in learning about the specific situation and then assessing it in order to help educate his customers so they can make confident homebuying decisions.His background as a financial advisor has provided him with the skills to dive deep into numbers and analyzing the big picture. He is an expert on the financial market and has a firm grasp on timing and deadlines allowing him to close smoothly and on time, every time.Bill is passionate about supporting his church and specifically a program called Education for Orphans, where he goes on mission trips to Haiti and helps put those kids through college. Bill enjoys traveling, barbequing, off-roading, and hanging out with his friends, wife, and 5 children.In this episode, Jay and Bill uncover everything under the sun with viable solutions to follow! Listen in!

Barry Habib is an American Entrepreneur and frequent Media resource for his Mortgage and Housing expertise. Barry has had a long tenure with monthly appearances on CNBC and FOX.Barry is the CEO of MBS Highway; a company and platform created to help mortgage professionals and Real Estate Agents articulate the opportunity in the housing market for their clients, along with a better understanding of the interest rate environment.Barry Habib was just named the top Real Estate forecaster by Zillow and Pulsenomics and has been presented with the Crystal Ball Award for the most accurate Real Estate forecasts out of 150 of the top economists in the US.Barry has had many successful businesses that he has founded, grown, and sold. This includes Mortgage Market Guide, Healthcare Imaging Solutions, and Certified Mortgage Associates. During Barry’s mortgage sales career, he was recognized for having the highest annual origination production in the US on two occasions. Barry personally originated over $2 Billion dollars in mortgage loan production over his career.He is also the Lead Producer and Managing Partner for “Rock of Ages” – a Broadway musical theatrical production, which was also released as a major film starring Tom Cruise. Barry also plays the part of the record producer in the movie.For over 20 years, Barry is a well-known professional speaker in the financial and Real Estate markets.In this episode, Jay and Barry discuss the importance of being a REAL ADVISOR and how trust plays the role of a lifetime in any relationship. Listen in to this amazing conversation.

Eddy is a seasoned professional with experience holding multiple executive-level positions. Prior to founding Equity Prime Mortgage, in 2008, Eddy operated the top producing office for Global Mortgage, Inc. and has personally closed over 3000 loans since entering into the mortgage business. Eddy's position as CEO of Equity Prime Mortgage has responsibilities that include overseeing his C-level executives. If you are interested in contacting him you may reach him via email at [email protected] and EPM are empowering people more, every day.In this episode, Jay and Eddy discuss growth, conflict, challenge, and overcoming routines that embody how we as good humans will leave our mark on the world.

Tap into the mind of Jay Doran as he introduces himself to you ever so candidly.This monologue was the second one he has done and due to technological issues, we weren't able to publish it for you all.This one talks about how to read books, how Jay reads books, how many he has read, the power of fiction novels, and life in general.Listen to this as you work out, as you have a long a drive, as you are taking time with your coffee, you can listen all at once or in a few different sessions, but make sure you listen and ENJOY!

Bill Dallas is responsible for inspiring and leading more than a dozen mortgage, banking and financial tech companies over the past 35 years, including Cloudvirga, First Franklin, Ownit Mortgage Solutions, Skyline Home Loans, NewLeaf Lending, and now Finance of America Mortgage. His first venture, First Franklin, grew to be one of the nation's largest lenders. Although technology has disrupted and improved many industries, the antiquated mortgage lending process remains manual, slow, and costly. Along with his co-founders, Dallas founded CloudVirga a leading provider of digital mortgage point-of-sale software whose enterprise technology is powered by the intelligent mortgage platform. The workflow engine has already processed billions in loans and is transforming home lending by digitizing, automating, and simplifying the process for consumers, lenders, and realtors. Dallas holds a law degree from Santa Clara University School of Law, as well as an undergraduate degree from Bowling Green State University, where he graduated magna cum laude. He also founded and serves as the Chairman of the board of directors for Oaks Christian School.In this episode, which was filmed on January 23rd, we dive deep into Bill's entrepreneurial spirit and he really shares all the valuable nuggets and takeaways of how you can build wealth, be successful, and not regret anything. Listen in!

Dr. Christian Conte is one of the country’s most accomplished mental health specialists in the field of anger and emotional management. A familiar figure on TV and radio, he is also a prolific writer, powerful communicator, and sought-after media expert. He was co-host of the reality shows Coaching Bad on Spike TV and The Secret Life of Kids on USA Network. He was also the resident therapist for Family Therapy on VH1. Dr. Conte produces daily Emotional Management Minutes that air on more than 300 radio stations across the country, as well as hosting his own weekly call-in radio show on KDKA in Pittsburgh. In July 2015 he conducted the TEDx talk, “Why I Chose to Go to Prison.” His latest book, “Walking Through Anger”, was released in October of 2019.Whether it is in his groups for violent offenders, the classroom, or in front of companies and organizations, Dr. Conte always brings his unique energy, unquenchable passion, and a tremendous sense of compassion to his focus on teaching people about why they do what they do, and how they can use knowledge about themselves and compassion for others to transform their lives.Dr. Conte is one of only a handful of people who have level V anger management certification, the highest level possible, and he is the creator of “Yield Theory” – a powerful approach to change, combining radical compassion with conscious education – for the effective treatment of anger issues. Dr. Conte currently trains correctional institutions, sports teams, and organizations in the practical application of his Yield Theory Anger Management Program.In this episode, Jay and Dr. Conte go through their time together with Dr. Conte explaining what he does with people, how he works with them, as well as the theories he has developed.Check out www.drchristianconte.com for more information!

Judd Burdon is a Father, Husband, Entrepreneur, and a solid guy.Judd takes us through his story of learning and growing every step of the way to continue to create better versions of himself and to ultimately make a difference in his family and his industry.At one point in his life, he was not happy, and now he is every day.You can hear the waves in the background because that is where he lives and every person's virtual background is his real life!

Ranked as one of the TOP BUSINESS LEADERS to follow in 2020 by YAHOO FINANCE, featured in USA Today, and Fox News. Robert Syslo is a professional promotion and branding expert for over 17 years. Robert Syslo Jr has an extensive background in advertising, marketing, brand development, and show distribution. Founder of Syslo Ventures located in Miami FL.The purpose of his company Syslo Ventures is to increase promotion and awareness of any company, product, influencer, or service into the marketplace in order to increase sales, following, and conversions. Robert currently reaches over 3 million per month in marketing and promotion. Robert increases sales and scales brands through the use of high-quality and message-oriented aesthetic video content, graphic design, consulting, and web development along with social promotion campaigns.His company's main mission is to take businesses, influencers, products, and services and promote them into the marketplace using the right form of communication and aesthetics to increase awareness, traffic, and conversions to their brand.Robert Syslo's Expertise:- Video Production, Cinematography, Directing, Producing, Editing, Graphic FX, Music Composition- Website Development, SEO, Design, UX, UI, Performance Optimization, Lead Generation, CRM Integration- Graphic Design, Copyrighting, Website Design, Product Design, UI Design, UX Design- Advertising, Facebook Advertising, Lead Generation Campaigns, Google Ads/Google PPC, Youtube Ads- Coaching, Content Creation, Message Development, Digital Identity Extraction, Marketing and Advertising- Product Development, Audience Selection and Targeting, Product Design, DistributionThis episode is full of so much value as Robert and Jay discuss what it means to be a true marketing expert! Listen in!

Will was raised by the streets of Philadelphia and ran with a rough crowd as a and coming from a child of a single-parent household. Without a father to rely on for guidance, Will began his life's journey by selling drugs and participating in gangs and violence in and around the community of South Philly. One day tragedy struck as Will and a group of friends were shot at by a rival gang. Acting with only pure instinct, Will shot back in self-defense and killed the person shooting at him. Will was sentenced to 20 years in prison for 3rd-degree murder.Over the next 10 years, Will made incredible changes and vowed to serve the community he once terrorized as a youngster. He yearned for this day; a day that he would be able to make a huge and lasting impact on youth violence in his neighborhood. Will caused no waves during his time spent in prison, stayed out of trouble, and chose to educate himself by reading hundreds of books on a variety of topics to pass the time. He was released on good behavior after serving 10 years.This is when Will Little grew into the man, the father, and the community leader he is today. He was given the opportunity to prove he actually had transformed his life for the better, and he made sure to make the best of it.Since being released, Will has:Sought and received forgiveness from the victim's family while also forgiving himself.Received multiple cities and community awards.Presented at 100's of schools all over the country.Presented at life-enhancing and motivational conferences on the East and West Coast annually. ​Will does motivational speaking and performs street poetry to a diverse number of audiences each year. He speaks anywhere - schools (both public and charter), the Juvenile Justice System, prisons, adult conferences centered around self-improvement, and kids conferences centered around empowerment, mindset, and decision making. In this episode, Jay unpacks Will's story and also his experiences to guide anyone in any facet of their life.See www.willvlittle.com

Christopher Vester is an experienced Chief Operations Officer with a demonstrated history of working in the automotive industry. Christopher is skilled in negotiation, management, customer service, account management, motivation, and sales. Additionally, is a strong business development professional with a Bachelor's degree focused in Business Administration and Management from North Carolina State University. In this episode, Jay and Chris get into culture, leadership, and everything in between.Always thinking ahead to continue the betterment of YOU, ask yourself, "Who will I be in 10 years from now?" and work towards that.Follow Christopher on IG and follow his IGTV as it is an extremely well-done show! Handle: @hvautocoo