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New Episode Summary
Melinda talks to Keri Riggs, licensed professional counselor, about how to navigate major life transitions. From time to time, we all go through major life transitions. Whether it’s marriage, divorce, a move, getting a job, losing a job, a medical emergency, or the loss of a loved one, change can be a very difficult thing to deal with. Keri Riggs is a licensed professional counselor who specializes in helping people navigate precisely these kinds of major life transitions. She sat down with Melinda to discuss the key principles of how to make change less scary. All this and more on this episode of the Melinda Eitzen Show.

About the Guest
Keri Riggs is a licensed professional counselor in Richardson, TX. To find out more and to hire Keri, go to keririggs.com.
Key Takeaways About Navigating Life Transitions

● Major life transitions happen to everyone. They are inevitable.
● Major life transitions can be positive or negative, but they are all difficult.
● Transitions generally involve three stages: the ending of the old, the messy middle, and the new beginning.
● All three stages are important and you have to go through them in order.
● Every major life transition is easier when you have support from other people.

Notable Quotes About Navigating Life Transitions
“When life hands us something that we maybe didn’t expect, it can create a lot of anxiety, it can create a sense of not being in control.” – Keri Riggs

“It’s having people notice that they’re telling themselves probably the worst version of the story, forgetting that they have the ability to author their own story.” – Keri Riggs
“How we deal with each of those different kinds of transitions makes a difference in how we get through them.”– Keri Riggs

“In the neutral zone, which we call the ‘Messy Middle,’ (because it is messy), what you have left behind is what’s familiar, and you don’t know yet what the new is going to be; you have to pull back, sit back, and you can’t really rush that.” – Keri Riggs

Associated Facebook/LinkedIn Post
Melinda talks to Keri Riggs, licensed professional counselor, about how to navigate major life transitions. Watch now or listen on your favorite podcast platform.

Melinda talks to Adam Carricker, real estate broker, and Joe Soto, mortgage lender, about real
estate and divorce. When getting a divorce, real estate can be one of the largest and thorniest
problems to solve. Unlike most assets, it’s not easy to evenly divide real estate in the same way
you would other assets. That’s why Adam and Joe are here to walk us through the process of
handling the problem of real estate, whether that means selling, buying out, refinancing, or
some combination thereof. All this and more on this episode of The Melinda Eitzen Show!

About the Guest:
Adam Carricker is a real estate broker with Fowler Real Estate Group. To find out more or to
hire Adam, go to fowlerrealestategroup.com. Joe Soto is a residential mortgage lender with
CrossCountry Mortgage, LLC. To find our more or to hire Joe, go to crosscountrymortgage.com.

Associated Social Post:
Melinda talks to Adam Carricker, real estate broker, and Joe Soto, mortgage lender, about real
estate and divorce. Watch now or listen on your favorite podcast platform.

Key Takeaways About Real Estate and Divorce
 If selling your home, don’t make it obvious that it’s because of a divorce. That will likely
lead to lower purchase offers.
 The real estate buying season tends to run alongside the scholastic calendar, especially
when dealing with single-family homes.
 You don’t have to wait to explore financing options until after the divorce.
 Rates and prices are inversely related, high rates tend to mean low prices and vice
versa. So, it’s best to buy when rates are high and prices low, then refinance the
property when rates go back down again.
 In cases of divorce, you may qualify for an Owelty Lien, which may get you more
favorable rates and conditions for refinancing. Check with your lender to see if you
qualify.

Notable Quotes About Real Estate and Divorce
“I have been seeing some servicers and some portfolio loans that were done, even though
they’re just a normal, conventional loan being assumed. So it’s definitely something to check
with your servicer if it’s something that you can do on that particular loan or mortgage.” – Joe
Soto
“The best time to invest in real estate is today. The way that these properties appreciate in
value, that’s only going up.” – Adam Carricker
“Guidelines in underwriting have really tightened down and buckled down, so we’re making sure people are qualified, really, really qualified, and not giving fake documents using technology. So, it’s a lot more stringent.” – Joe Soto

“Having a good lender is one of the most important parts of the transaction because that’s
where the money is coming from, and the ability for the lender to close the transaction, given the
timing of some of these deals, is very important. The last thing you want to do is get a call the
day before closing saying, ‘Hey, we need a few more days for this’.” – Adam Carricker

New boost

Melinda talks to Lené Alley DeRudder, divorce attorney, about professionalism in the workplace.

Watch now or listen on your favorite podcast platform.

Melinda talks to Marilea Lewis, divorce attorney and former judge, about what makes a good Family Law witness. Watch now or listen on your favorite podcast platform.

Brigitte Kimichik is a retired attorney and the author of the books Play Nice - http://bit.ly/40BUK9Y and Play Smart - Https://amzn.to/4hui7Kj about how women in the professional world can become their most successful selves. To find out more about Brigitte and her books, go to thesandboxseries.com.

Melinda talks to David Brunson, a financial advisor, about the collaborative divorce process.
Watch now or listen on your favorite podcast platform.

Melinda talks to Dr. Julie Shannon about her new book, “The Winds of Change: Defining Steps to Build a Strong Foundation and Weather Life’s Storms”. Watch now or listen on your favorite podcast platform.

Melinda talks to Karl Taft, a business broker, about why, how, and when you should sell your
business. Watch now or listen on your favorite podcast platform.