The Real Talk

In episode 17 of The Real Talk, Raquel Ramirez welcomes JC Ramirez, Partner at NMR Design Group. They delve into the challenges and stress that often accompany home improvement projects, particularly in the realm of interior design. Raquel and JC also discuss the significant value provided to clients, emphasizing how it can save them money in the long run. Tune in for expert advice and insights on...

In episode 16 of The Real Talk, Raquel Ramirez interviews Phil Stevenson, a mortgage broker from PS Mortgage Lending. They discuss the burning question of where mortgage rates are headed and explore the topic of loan eligibility. He also talks about his background in economics and his journey in the mortgage brokerage business.  Tune in to get valuable insights and dispel common myths about mortga...

In episode 15 of The Real Talk, Raquel Ramirez is joined by Carlos Gutierrez, a broker associate and past president of the Miami Association of Realtors. They discuss whether or not it is a good time to buy real estate, a question that is often asked by potential buyers. Raquel and Carlos also emphasize the importance of looking at real estate appreciation from a long-term perspective and not sole...

The South Florida condominium market is on the brink of significant transformation due to new laws and lending rules. These changes, which include stricter building inspections and a prohibition on associations neglecting reserve funds for major projects, are expected to increase condo assessments and put financial pressure on owners. Raquel Ramirez, a seasoned expert in the field, believes that t...

Sachin Mehrotra is a seasoned professional with over two decades of experience in the lending industry; he has spent 11 of those years focusing on association financing, currently serving as the lead principal of Association Lending Services. His perspective on association financing for condo and homeowner's associations improvements is that it provides a viable and timely solution for funding com...

Isabelle Martinez, Esq., and MLO are all attorneys turned mortgage professionals with a deep understanding of the new condo financing rules in South Florida. Isabelle Martinez believes that these new rules will significantly affect the condo market, causing a backlog in buy-sale agreements and potentially leading to depreciation of property values. Esq. shares a similar perspective, emphasizing th...

Condominium Attorney Michael E. Rehr is a seasoned professional with nearly four decades of experience in condominium and homeowner association law. His perspective on condominium association management and legal considerations is shaped by his extensive experience and deep understanding of the field. Rehr believes in the importance of transparency and open communication in managing condominium as...

Attorney Robert J. Merlin, with over 43 years of experience in family law, is a recognized pioneer in the field of collaborative law, a non-adversarial approach to divorce and property settlements. Drawing from his personal experience as a child of divorced parents, Merlin firmly believes in the benefits of collaborative law, emphasizing its potential to save time, money, and minimize conflict. He...

Annabelle Nahra Nadler is an accomplished English and Lebanese attorney with a rich background in navigating legal issues, particularly in real estate and personal life. Having grown up in Dubai and obtained her law degree from the University of Miami, Annabelle brings a unique perspective to the table. She emphasizes the importance of understanding legal options and consequences before resorting...

In this podcast episode, Raquel Ramirez and Liz Becker dive into the topic of effective communication and its impact on personal relationships and professional interactions. Liz, an expert in divorce and communication, emphasizes the holistic nature of communication, encompassing verbal, nonverbal, and neurological processes. She stresses the importance of emotional state management and shares a s...

In this episode of The Real Talk podcast, host Raquel Ramirez delves into the emotional impact of divorce with Dr. Andrew Lagomasino, a psychologist with 30 years of experience in the field. They explore the complex range of emotions that come with divorce, including both positive and negative aspects. The conversation also focuses on the effect of divorce on children and emphasizes the importance...

Divorce coaching, a profession that emerged in 2013, is now considered an integral part of the divorce process. In a podcast episode featuring Raquel Ramirez and Jennifer Warren Medwin, they discuss the importance of trust and collaboration in navigating divorce. They emphasize finding an attorney who aligns with your needs and values, rather than just being aggressive in the courtroom. The conver...

This podcast episode explores the importance of credit repair services and how they can help improve financial standing. Credit Repair Organizations Act must be followed, and the concept of Credit Repair Integrity emphasizes the importance of doing the right thing when it comes to credit repair. Furthermore, the Payment Statement Date is a factor to consider when managing one's credit score, and p...

The rising cost of insurance in Florida is a major concern for many, and it is essential to understand the details of your policy and take necessary steps to ensure proper protection and lower premiums. To start, Wind Mitigation, Replacement Cost Estimates, and Water Damage Prevention are all important steps to take to ensure proper protection and lower premiums. Additionally, cast iron piping is...

Beginning with the captivating detail that Claudia Pernudi is known as the "Divorce Poet," this podcast episode features a conversation between Raquel Ramirez and Claudia Pernudiand Esq. about changes to matrimonial law, the importance of respect and objectivity in divorce proceedings, and the legal implications of committing fraud in a divorce settlement. They also discussed the use of life insur...

Beginning with the captivating detail that Carlos Gutierrez is a contributing author for multiple books, this podcast episode discussed the current real estate market, the importance of being fast and responsive, the influx of new realtors, the value of real estate agents, contract changes, relationship building with referral sources, staying in touch with clients, the "Shiny Object Syndrome", the...

Raquel Ramirez, a Cuban-American real estate broker and former corporate banker, hosts a podcast about life, love, divorce, and real estate. She brings on a variety of professionals, from real estate agents to divorce attorneys, to discuss the ins and outs of the real estate industry and to share her own experiences and lessons learned. Through her podcast, Raquel hopes to provide listeners with t...

Life isn’t like it is in the movies; there are real challenges that come with maintaining a home, managing relationships and buying and selling real estate. We also understand that divorce can be an especially difficult and emotional time, and dealing with the complexities of real estate transactions during the divorce process can add additional stress and anxiety.  On this show, you'll learn from...