REALTY UNIVERSAL® Radio

Worthington Financial joins us today about options to buy real estate and plan..

Worthington Financial Partners offers many options to plan way into the future, as well as benefitting you today.  Anthony Santiago and Phiip Travaglini join us today to discuss excellent options utilizing Premium Financing and Insurance products that are amazing. was born and raised in Manhattan, New York where he received his Associates Degree in Business Management from Lehman College.  After working for a prominent communications firm as a Sales Executive, he became an entrepreneur in the telecommunications industry.  Anthony later transitioned into the real estate industry, where he spent 10 years as an Account Executive. 
Anthony is life and health insurance licensed in Maryland.
As a Managing Director with Worthington Financial Partners, Phil is responsible for bringing new agents into the firm as well as assisting experienced agents with the continued development and advancement of their practice.  With over 21 years experience in the financial services industry, Phil is very passionate about his profession and is a true servant leader to the professionals he works with.
Phil holds his FINRA Series 7, 6, and 63 registrations and is a Registered Representative offering securities in Maryland, Delaware, and Pennsylvania.  He is also insurance licensed in Maryland, Pennsylvania, Delaware, and Virginia.

”The Capitalist’s Worst Nightmare Come True: The Crucifixion of Capital”

Richard Kiernicki considers the past 30 years to have been some of the most exciting times in the professions of finance, motivation & personal transformation. He believes that the future of these industries holds unlimited potential & possibility. While the Canadian financial industry experienced explosive growth & the fields of self-help & transformation rapidly gained acceptance & worldwide momentum, Richard found his place in that ever evolving/expanding world.
Fortunate to have an open mind, deep intuition and a strong commitment to move ahead in his life, “he did not do what was the easiest and most expeditious, he chose to do what was right” according to a 1997 letter from his partner Michael Lee-Chin at AIC. Richard strongly agreed with Michael on this point: your reputation is absolutely vital to your success. Richard’s other mentors include Napoleon Hill, Bob Proctor, Viktor Frankl, Brian Tracey, Anthony Robbins, Eckhart Tolle, Deepak Chopra, Lise Janelle, Sir John Templeton, Peter Cundill, Peter Lynch & Warren Buffett. He learned to follow examples set by those who are considered to be the absolute best in their areas of expertise & exemplify honesty, dedication, ethics & commitment. These individuals continually seek to differentiate themselves from the crowd by being examples of living according to the highest degree of personal values & integrity. Richard integrates those values into his own life & passionately shares those principles with his family, friends & clients.
Then came the crash in 2008, Richard knew there was a better way. With his financial and life background he came up with a better way...
Hence "The Capitalist's Worst Nightmare Come True: The Crucifixion of Capital"  was born.

Rafael Badziag interviewed Billionaires to find out what keeps them going...

Rafael Badziag is a Germany based global entrepreneur, top TED speaker with over 3 million views, best-selling author and angel investor. He is a valued expert in psychology of entrepreneurship, specializing in self-made billionaires and has been featured in over 30 countries and on NBC, ABC, CBS, BBC and FOX networks as well as in Forbes, CNBC, USA Today, Wall Street Journal. In the late 90's he built his first multi-million dollar business, a online bike shop in Germany. Raddiscount.de pioneering e-commerce in Europe.  He then expanded his ventures into several countries.
Rafael is founder of the NoLimits project, where he fights against the limitations of body, mind and soul. You may find him sprinting on a mountain trail, running a race across the Sahara Desert, or dancing a tango at a Milonga.Rafaels blog nolimits.co is on mission to inspire the readers to live their lives fully with passion and zeal.
Recently, Rafael has been traveling the world and meeting the world’s most successful entrepreneurs, all of them self-made billionaires, from various regions, industries, cultures, religions and age groups. By conducting face-to-face interviews he was able to obtain first hand information. He reveals their success secrets in his book “The Billion Dollar Secret” and the corresponding YouTube channel.

Waterproofing, foundations, air quality in properties, what can be done...

Thinking of purchasing a residential or commercial property that has visible 
water or foundation issues? Are you experiencing them in your home or investment
property? Listen in as Steve Younker, owner of Maryland Waterproofing company
answers many questions and teaches today on what can be done to remidy the situation.
With gravity, weather, settling this is not the end all... there are solutions.

Christmas show w/ Nathalie and super treat...Frank Sinatra hosted by Guy Steele

Our end of the year Christmas show...Nathalie always has her end of the year life tips and HUGS.... :)
A special treat this year, Guy Steele who lives in Hawaii and runs an Edward Jones office
has been producing Frank Sinatra shows (he has every song, all information,  wow!!!)
for over 23 years and he is graciously allowing us to join in and let all of our listeners listen in. If you are
too young to know who Frank Sinatra is, listen in, you will be amazed.  And if not too young you are in 
for a real treat. Merry Christmas, Happy Holidays and Happy New Year!!! God Bless!!!

Workplace pivots- Mary Ann Faremouth joins us to discuss many options...

We have all experienced changes since February 2020 in the workplace, at home and with so much more.
Joining us today is well known Mary Ann Faremouth, Executive Recruiter, Speaker & Author of Revolutionary Recruiting and Revolutionary Reinvention Workbook.
Mary Ann founded her company Faremouth & Company in 1982, specializing in recruiting for Professional, Clerical and Temporary placements, with the pipe, tube, metals, coating, oilfield service, and industrial supply having a particularly strong focus. The utmost attention is given to every applicant and position.
Mary has her Certified Personnel Consultant (CPC) credential  which requires years of experience in the industry.
Mary Ann achieved a Bachelor of Arts degree in Business Administration from Marygrove University and graduated with honors. 
Today we are going to discuss, how to do a self-inventory, how to take advantage and see these changes as a plus to revolutionize your role in the workplace and at home.

Reverse Mortgages- Steve Sless discusses Reverse Mortgages and new benefits...

Steven J. Sless is a proud father, husband, speaker and business leader. Steven is an industry veteran spending the past decade focused on growing multiple national reverse mortgage platforms.  Passionate about living a life of purpose by effecting change in the lives of people, he has long been committed to his personal and professional growth and to inspiring others on a similar journey.
Steven has built a reputation as a skilled communicator and industry leader though his speaking engagements and in the national media. Steven’s passion, experience, expertise and dynamic personality electrifies audiences and inspires people to act. Steven is a master at making complex concepts simple and easy to understand. His presentations are tantalizing, powerful and unmatched in their ability to have an immediate impact, he cares about individuals, showing them how to utilize a reverse mortgage to stay in their home, have money for travel or their desires and live in peace.
Reverse mortgages have changed dramatically for the better. Steve Sless, an expert in reverse mortgages and a regular
contributor on our show joins us today to give us details on how to "Age in Place" and even purchase a home
using either a reverse mortgage or forward reverse mortgage... bet you didn't know they also come with lines of
credit that earn interest?

How to transition from this Covid 19 epidemic to a life on purpose- Sonny Tran

Sonny Tran is an avid entreprenneur on fire- this Covid 19 epidemic is not stopping him. Sonny has been in the mortgage and finance industry for over 20 years. Sonny speak, writes and educates on these industries while his biggest gift is motivating, inspiring,  teaching people how to implement certain strategies on a day to day- short term and long term basis for true peace of mind, wealth and health.

Crazy real estate markets Nationwide in the US...what’s your opinion...

Nathalie who has been in the real estate industry since 1985 in different markets and
dealing with many brokers and agents first hand across the country for many yrs. weighs in...
We all see the news 24/7... what do you think? Will the markets continue to rise? Will it crash?

Increasing profits- credit repair, estate planning and more...Karla Bennett join

Credit reports, credit repair- so much has changed, yet still worth staying on it.
Credit Advisor | Serving Realtors, Mortgage Brokers & Small Business Owners Increase profits by 35% & Generating
A Pipeline of clients every 45-90 days for FREE  Karla Bennett,  Is owner of KB Global Enterprises, LLC. Karla
helps companies increase their bottom line through analysis, building their pipeline and more!!! Her company has
partnered with another company with over 50,000 members and support enabling them to offer superb
service at an unbelievable price without shortcutting anything.  They also give back to the communities
through a program that educates elementary school age children as well
as providing scholarships.