Spilling The Title Tea

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From Paralegal to Title Pro: Christina Inskeep on Life Inside Real Estate Closings

Tue, 03 Mar 2026 20:15:09 +0000

In Episode 76 of Spilling the Title Tea, Ashley sits down with Springdale Title’s very own Christina Inskeep, a seasoned title agent in the Ashland, Kentucky office with decades of real estate experience.

Christina shares how she originally planned to become an attorney but “fell into” real estate—and never left. From starting as an abstractor to handling files from start to finish, she’s seen just about everything the title world has to offer. In this episode, she talks about the unpredictable nature of closings, emotional moments at the table, late-night deal deadlines, and why real estate can be both challenging and incredibly rewarding.

Whether you’re curious about what title companies actually do or considering a career in the industry, this episode offers an honest look at life behind the closing table.

Highlights

Christina’s career journey: from wanting to be an attorney to becoming a paralegal and eventually specializing in real estate.
How she “fell into” real estate after taking her first paralegal job—and why it ended up being the perfect fit.
Starting as an abstractor and learning title searches before moving into full-service title and closing work.
Why no two days in real estate are ever the same—and how unpredictability keeps the job interesting.
Christina’s favorite part of the process: building trust with clients and guiding them through their transactions.
The craziest closing she’s experienced: working until 2–3 a.m. to meet a bankruptcy judge’s deadline on a multi-property deal.
Emotional closings: handling short sales, divorces, nursing home signings, and sellers saying goodbye to longtime family homes.
The joyful side of closings: milestone sales, celebratory transactions, and even doing closings for her own children.
Why title work offers a unique mix of routine paperwork and people-focused interaction.
Career advice for those exploring real estate: there’s a niche for every personality—from behind-the-scenes processors to front-facing closers.

Links

Sringdale Title Links:

FinCEN’s New Real Estate Rule: What Every Investor & Title Client Must Know Before March 1

Wed, 18 Feb 2026 04:06:32 +0000

In Episode 75 of Spilling the Title Tea, Ashley sits down in person with Olivia Bowdy to break down a major new federal rule from FinCEN (Financial Crimes Enforcement Network) that will significantly impact residential real estate transactions.

Effective March 1, this rule targets money laundering in real estate and primarily affects entity buyers (LLCs, corporations, trusts) and certain cash or hard-money transactions. Ashley and Olivia explain who the rule applies to, what triggers reporting, why there’s no “loophole,” and what investors need to prepare for—including the collection of over 100 required data points and mandatory secure portal reporting.

If you’re an investor, use hard money lenders, or purchase property in an entity name, this episode is essential listening to avoid delays, fines, or serious penalties.

Highlights

What FinCEN is and why this federal rule was created to combat money laundering in real estate transactions.
Who the rule applies to: entity buyers (LLCs, corporations, trusts), cash purchases, and certain non-FDIC insured or hard money lenders.
The March 1 effective date and why investors must be prepared for additional compliance requirements on every applicable transaction.
No loopholes: transferring property into an entity after closing will still trigger reporting requirements.
The seriousness of compliance: over 100 data points required per file, secure portal submissions, potential closing delays, and severe penalties—including major fines and federal prison—for violations.

Links

Sringdale Title Links:

(7) FinCEN Updates: What Financial Professionals Need to Know for 2026 | Facebook

Link to FinCEN Class registration in Richmond

Estate Planning Isn’t Just for “Later”: Elder Law & Protecting Your Home with Curtis (William) Smallwood

Tue, 03 Feb 2026 19:57:33 +0000

In Episode 74 of Spilling the Title Tea, Ashley sits down with Curtis (William) Smallwood, owner of Smallwood Elder Law, to break down what most homeowners don’t think about when they’re buying property: estate planning. Curtis explains why planning matters at every age, especially when your home is your biggest asset and how the right documents can help families avoid probate, protect privacy, and prevent conflict when a loved one passes.

They also dive into elder law and Medicaid planning, including the realities of nursing home costs, Medicaid’s strict asset limits, the five-year lookback rule, and why irrevocable trusts can be powerful (but require giving up control). Curtis also explains why “just put the house in the kids’ names” can create big issues, especially around taxes and step-up in basis. This episode is an honest, practical guide to having the uncomfortable conversations now, so your family doesn’t have to later.

Highlights

Curtis shares his background as a solo attorney for 12+ years, focusing on elder law and end-of-life planning, plus his advanced tax law degree (LLM).
Why estate planning gets avoided: nobody wants to think about death, incapacity, or hard family conversations—until they have to.
How planning can help homeowners avoid probate, which Curtis explains is often lengthy, expensive, and public.
Why privacy matters: without planning, assets and estate details can become public record.
Protecting your biggest asset: how estate planning ensures your home goes to who you choose, not just what state law dictates.
Avoiding family drama: how clear documents reduce misunderstandings, hurt feelings, and conflict over “what mom/dad said they wanted.”
Planning for incapacity: durable powers of attorney can allow someone to pay bills, manage assets, or even sell a home if you can’t.
Medicaid & nursing home planning basics: the strict asset limits, what “spend down” means, and how fast nursing home costs add up.
Irrevocable trusts explained: why they can protect assets from Medicaid after the five-year lookback, and why the grantor can’t be the trustee.
The “just add the kids” option: Curtis explains concerns with life estates and gifting property—especially the potential loss of step-up in basis and increased capital gains taxes later.

Links

Sringdale Title Links:

Farm Girl to Design Pro: Interior Design Tips & Trends with Joanna Baker

Tue, 20 Jan 2026 20:21:02 +0000

In Episode 73 of Spilling the Title Tea, Ashley sits down with her longtime friend Joanna Baker, an interior design consultant with a true farm-girl foundation and a designer’s eye. Joanna shares how her love for design started with classic TV shows and HGTV, what inspired her to earn a degree in interior design, and how homeowners can avoid the most common decorating pitfalls, especially after buying a new home.

From furniture sizing and paint palettes to staging advice for sellers, budget-friendly upgrades for first-time homeowners, and what trends might define 2026 (including the debated return of brass), this episode is packed with practical, relatable design wisdom that helps people turn a house into a home.

Highlights:

Joanna’s background: growing up on a Berea farm, raising animals, and now raising her own family on a farm with horses and cows.
What sparked her design passion: Designing Women, HGTV obsession, art classes, and eventually a Fine Arts degree with an emphasis in design.
The most common “mistake” homeowners make: struggling to visualize the final look of a room before buying furniture or choosing finishes.
A simple, genius tip: using painter’s tape to outline furniture size and wall décor placement before buying or hanging anything.
How to create a color palette that flows: keep main spaces neutral, then add color through accents like pillows, throws, and art.
Why neutral furniture wins long-term: trends change, but neutral pieces let you update style without replacing expensive items.
How Joanna decides when to refresh her own home: seasonal resets, inspiration from Pinterest/Instagram, texture, and cozy vibes.
The difference between decorating for yourself vs. staging to sell: buyers want clean, neutral, uncluttered spaces they can picture as their own.
Budget-friendly upgrades for first-time homeowners: paint, trim/molding, board-and-batten, peel-and-stick wallpaper, and DIY with YouTube help.
2026 trend talk: modern farmhouse continues, more texture and mixed wood tones, patterns creeping back—and yes, possibly brass returning (cue Ashley’s protest).

Links:

Joanna Baker

Interior Design Consultant

Joanna_interiordesign@hotmail.com

Sringdale Title Links:

From Hospital Hallways to Helping Homeowners: Karie Lerch on Building a Family-Handyman Business

Wed, 07 Jan 2026 13:57:29 +0000

In Episode 72 of Spilling the Title Tea, Ashley sits down with Karie Lerch, co-owner of Building Maintenance Specialists of Kentucky, to talk about how she and her husband Mike made the leap from a stable hospital job into entrepreneurship during the COVID era. Karie shares how faith, family, and community connections helped their business take off, why working with their kids has become a generational blessing, and the wide range of “one call, all solutions” projects their team can tackle from flooring and drywall to plumbing, electrical repairs, and remodel work. They also discuss the real weight (and reward) of business ownership, future plans to grow the team, and encouragement for anyone thinking about starting a business later in life.

Highlights:

Karie explains how Mike left his hospital job after years of commuting and dealing with bureaucracy to start their own business.
How the COVID era pushed many families to rethink “normal life” and take bold steps toward entrepreneurship.
The biggest benefits of business ownership for their family: no commute and the freedom to control their schedule.
Why Building Maintenance Specialists has become a true family business, multiple kids have helped on jobs over time.
The vision of passing the business down as a generational legacy, potentially with their son stepping into ownership.
How homeschooling and hands-on work taught their kids practical skills, strong work ethic, and employability.
The range of services Mike can handle: masonry, flooring, drywall repair, painting, bathroom remodels, tile, plumbing, and electrical repairs.
Their “one call, all solutions” mindset if Mike doesn’t know how to do something, he’ll learn it and figure it out.
Mike’s favorite part of the work: serving senior citizens and widows who need help the most.
Karie’s advice to aspiring business owners: jump now, expect hard days, lean on community support (like BNI), and avoid future regret by trying.

Links:

Building Maintenance Specialist of Kentucky

Mklerch@windstream.net

859-339-1161

Sringdale Title Links:

ScottCole - Canopy Mortgage

Mortgage Headlines, Real Talk: Community Banks, 50-Year Loans & First-Time Buyer Advice with Scott Cole

Wed, 17 Dec 2025 03:26:45 +0000

In this episode of Spilling the Title Tea, Ashley sits down with Scott Cole, Regional Manager of TPO Bank Relationships at Canopy Mortgage, to break down what’s really happening in the mortgage world—without the fluff.

Scott shares his 29-year journey through the industry (including lessons from the subprime era), explains how Canopy helps community banks compete with big-box lenders, and gives clarity on recent hot-button headlines like 50-year mortgages and portable mortgages. They wrap with practical, grounded advice for younger buyers trying to become homeowners in today’s market—especially when affordability and debt ratios are the biggest hurdles.

Highlights

Scott shares a personal intro: 30-year marriage, a son in college, and 29 years in the mortgage industry (plus a roofing company).
How growing up in a family-run car dealership shaped his approach to business and customer service.
Scott’s path from banking and finance into mortgages—and his candid reflections on the subprime mortgage era.
Building and leading mortgage growth in Kentucky: opening branches, mentoring loan officers, and scaling a retail operation.
What “TPO Bank Relationships” means—and how Canopy supports community banks without massive internal mortgage departments.
Why tech matters: how Canopy’s loan origination system simplifies government loans like FHA, VA, and USDA for small banks.
The big reason community banks want these options: keeping customers from walking down the street to larger banks.
Ashley and Scott unpack the 50-year mortgage headline—why it’s being discussed, what problems it’s trying to solve, and why it may not become mainstream.
Portable mortgages explained—and why bond markets, security gaps, and logistics make them unlikely.
Scott’s best first-time buyer advice: save money even if you qualify for zero-down, because homeownership always comes with repairs and surprises.

Links

https://www.linkedin.com/in/scott-cole-a5b99a10

Sringdale Title Links:

Motherhood, Mindset & Making It in Title: A Conversation with Kaitlyn Miller

Tue, 02 Dec 2025 19:27:09 +0000

In this heartfelt episode of Spilling the Title Tea, Ashley sits down with Kaitlyn Miller, one of Springdale Title’s rising title agents, to talk about life behind the scenes, both in the office and at home. Kaitlyn opens up about becoming a mom, learning an entirely new industry from scratch, and navigating the beautiful chaos of raising her son, Crew, while building a career she truly enjoys.

They dive into adjusting to the title world, finding confidence, juggling responsibilities, asking for help, and carving out space for personal goals even in the busiest seasons of life. If you’re a working parent, new to the real estate world, or just love a genuine conversation, this episode will feel like a warm hug.

Highlights

Kaitlyn shares her story as a new mom and the unexpected surprise of Crew being born on her birthday.
Navigating a huge learning curve entering the title industry with no prior exposure.
How Springdale’s team support helped her gain confidence and learn through constant questions.
Loving the fast-paced nature of title work and discovering she's built for the industry.
Balancing work life with motherhood—managing nap times, phone calls, chaos, and caffeine.
The shift from “survival mode” to building routines and finding her groove as Crew grows.
The importance of not losing yourself and creating personal time, even in hectic seasons.
Kaitlyn’s vision for the next few years: growing her skills, exploring marketing, and finding new strengths within the company.
Honest talk about mom guilt, household chaos, and learning to embrace each season.
The value of small goals, mindset, and remembering that everything is figure-outable.

Sringdale Title Links:

https://www.instagram.com/kylepterry/

Freedom, Hustle & Real Talk Marketing with Kyle Terry

Tue, 18 Nov 2025 20:51:24 +0000

In this episode of Spilling the Title Tea, Ashley sits down with media and marketing entrepreneur Kyle Terry, owner of Freedom and Hustle. They dig into what it really looks like to build a creative business around family life, why recurring revenue beats one-off projects, and how small businesses can use simple, consistent content to actually get clients—not just likes.

They also wade into the hot topic of 50-year mortgages, the realities of commercial space for small businesses, and why “support small business” often doesn’t match the financial products owners really need. If you’re a realtor, small business owner, or just a curious entrepreneur brain, this episode is packed with honest, behind-the-scenes insight.

Highlights

Kyle’s path from insurance and sales to going all-in on media and marketing.
Why he dissolved multiple companies and rebranded everything under one focused brand: Freedom and Hustle.
What Freedom and Hustle actually does: photo/video, social media content, and full podcast production for clients like Springdale Title.
The difference between recurring vs reoccurring revenue and why recurring clients create stability for a media business.
Why niche “all real estate” or “all legal” content doesn’t attract ideal clients—and why people really want to see the human behind the business.
How entrepreneurship really works with kids: flexible schedule on paper, but often split between client work, school pickups, gym time, and late-night editing.
The realities of a 50-year mortgage: smaller payments but dramatically more interest and slower equity, and how that could impact housing prices.
The struggle for small businesses to find and afford commercial space, especially in areas where leasing is more expensive than buying.
Creative options for business space, like rezoning residential properties for office use when traditional commercial options are too pricey.
How Freedom and Hustle is expanding beyond real estate into fleets, chiropractors, and supplement brands, while pushing owners to invest in marketing that actually drives revenue not just image.

Links:

https://freedomandhustle.com/

https://www.instagram.com/freedomandhustle/

https://www.facebook.com/freedomandhustle/

Sringdale Title:

Fahe Rise Up Program - Fahe

First-Home Roadmap: Ashley Answers Kennedy’s Buyer Questions

Tue, 04 Nov 2025 20:33:31 +0000

Ashley sits down with her niece, third-grade teacher Kennedy Stone, for a straight-talk, first-time homebuyer Q&A. From where to start and which pros to trust, to rates, escrows, credit, and the sneaky mistakes that can tank a loan, this episode lays out a practical game plan for turning rent into a mortgage—without surprises.

Highlights:

Why your first step is a free consult with a great loan officer—and how to pick one (reviews, product knowledge, communication).
The many loan products (FHA, VA/USDA, conventional) and down-payment assistance options for low/no-money-down buyers.
Current market snapshot: realistic starter-home prices and what rates mean for monthly payment.
What an escrow account covers (taxes, homeowner’s insurance, mortgage insurance) and how it affects your total payment.
True monthly cost of ownership beyond P&I: utilities, maintenance, yard care, repairs (hello, water heater).
Credit score targets (700+ ideal; 750+ excellent) and practical ways to build/repair credit.
Why first-time buyers should use a Realtor (negotiation, paperwork, pitfalls) and how commissions are handled.
Fixed vs. adjustable mortgages—why fixed usually wins for new buyers.
When and why to refinance, and choosing 30-year vs. 15/20-year terms (flexibility vs. interest).
The golden rule during underwriting: don’t finance cars/furniture or open new credit—and always ask questions if you’re unsure.

Links:

Future Homebuyers - Down Payment Assistance

How to Repair Your Credit in 11 Steps

A Guide to First-Time Home Buyer Loans and Programs - NerdWallet

Sringdale Title:

From Vault Books to Night Law School: Meet Attorney Melinda Kirkham

Tue, 21 Oct 2025 19:32:06 +0000

Ashley introduces Springdale Title’s attorney Melinda Kirkham, whose path runs from old-school courthouse vaults to a nationwide title role during night law school. Melinda shares the skills she learned tracing titles back to U.S. patents, why she chose the JD while working full-time, and what brought her back to a collaborative, client-focused title environment. They also talk lifelong learning, identity beyond work, and the joy of helping families become homeowners.

Highlights:

Welcome Melinda: Springdale Title’s newest attorney and a huge help to the team
Outside the office: kayaking, hiking, disc golf—and a 300-album vinyl collection
Old-school training: pulling giant deed books in a vault and tracing titles to U.S. patents
From Missouri ranches to Nashville closings—including celebrity cash buys
Nationwide examiner during law school: title and curative work across all 50 states
“Why not?”: choosing night law school while working full-time
The grind: 9–5 job, 6–10 classes, and putting life on hold for four years
Short-term pain, long-term gain: a chat about grit vs. instant gratification
Back to title by choice: helping people achieve homeownership in a positive culture
“It’s never too late”: education as a solid, real-estate-like investment in yourself

Links:

Sringdale Title:

Finding Purpose Beyond Titles with Misty Lakes

Tue, 07 Oct 2025 19:15:39 +0000

Ashley sits down with Misty Lakes, founder of Misty Lakes Coaching LLC, to talk about identity, faith, business, and the power of intentional living. Misty shares her journey from direct sales to coaching, her passion for helping women discover their God-given purpose, and her recent decision to open a physical office space. This episode blends business insights, spiritual grounding, and practical advice for entrepreneurs looking to build a life they love.

Episode Highlights:

[00:02] Welcoming Misty Lakes back to the show
[00:44] Misty’s coaching journey and 8-year business story
[02:35] Becoming a grandma and prioritizing family time
[04:17] One-on-one coaching, group programs, and new spiritual branch
[09:22] Separating identity from job titles and finding true purpose
[13:17] Legacy exercise: what people would say at your funeral
[16:03] Why Misty opened a physical office space
[18:41] Finding the right environment to focus and set boundaries
[21:10] Executive suites and co-working spaces as small business resources
[22:29] Misty’s advice for entrepreneurs considering a location

Links:

Misty Lakes Coaching Facebook

Sringdale Title:

From Booth Rental to ‘The Jail’: Amber Spurlock’s Leap into Salon Ownership

Tue, 16 Sep 2025 19:41:28 +0000

Ashley sits down with stylist and salon owner Amber Spurlock of Golden Hour Salon Studio to talk courage, calling, and commercial real estate. After 20 years behind the chair, Amber took a faith-fueled leap—leaving the only salon she’d ever known to purchase and renovate a historic 1912 building (formerly Berea’s jail and city hall!). They cover the nudge to start a business, navigating historic-property remodels, timelines, and practical advice for anyone considering buying their own space.

Highlights:

[00:02] Ashley introduces guest Amber Spurlock of Golden Hour Salon Studio
[00:42] Amber’s path: 20 years in hair, salon roots, and being a single mom
[03:03] Taking the leap to open her own salon after nearly two decades in one place
[03:38] The “sign” moment when blinds fell during a walk-through—“Alright, she’s mine”
[06:23] Buying her first commercial property and stepping into ownership
[08:04] Learning to wait on God’s timing through renovations and delays
[09:51] Full-circle moment: longtime mentor Nancy joins her in the new building
[11:09] Building history: a 1912 structure that once served as Berea’s jail and city hall
[12:51] Remodeling within historic-registry rules and tackling plumbing/electrical updates
[16:27] Amber’s advice: prayer, support systems, and leaping in faith when starting a business

Links:

Golden Hour Salon Studio: Facebook

Sringdale Title:

Clearing Up Common Closing Confusions with Jackie Daugherty

Tue, 02 Sep 2025 13:42:42 +0000

Ashley welcomes back Jackie Daugherty, co-owner of Springdale Title, to tackle some of the most common misconceptions in the closing process. From questions about escrow funds and loan details to misunderstandings around surveys, contracts, and power of attorney, Ashley and Jackie break down the details every buyer and seller should know.

Whether you’re a first-time homebuyer or a seasoned real estate pro, this episode will help you better understand the role of the title company, the importance of clarity in contracts, and why protecting your personal information during closing is so critical.

Highlights

[00:02] Ashley introduces Jackie Daugherty and the episode focus
[00:18] Clearing up the misconception: the title company is not your lender
[01:32] Who actually holds escrow funds (and who doesn’t)
[02:20] Why title companies only pay insurance/taxes at closing
[03:18] The title company’s neutral role in the closing process
[04:34] Clarifying the difference between title work and surveys
[07:28] Contract issues when multiple parcels or addresses are involved
[09:21] Risks of vague contracts and why surveys matter for boundary issues
[10:26] Remote closings and power of attorney: what you need to know
[16:16] Fraud protection, identity verification, and why safeguards are vital
[16:53] Wrapping up: Jackie and Ashley preview future episodes

Links

JustKenna Photography - Facebook

From Culinary Dreams to HVAC Success with Paul Lagoda

Tue, 19 Aug 2025 18:42:34 +0000

In this episode, Ashley sits down with Paul Lagoda of Graceland Air, live from Just Love Coffee in Berea. Paul shares his journey from pursuing a career as a chef to finding his calling in the HVAC industry. With seven children and a thriving family business, Paul opens up about balancing entrepreneurship, faith, and family.

They dive into the ins and outs of HVAC services, including air quality, duct cleaning, and why craftsmanship and trust matter in every home visit. Paul also offers heartfelt advice on taking big leaps of faith—whether moving across the country or starting a business from scratch.

This episode is packed with business wisdom, family stories, and practical insights for homeowners and aspiring entrepreneurs alike.

Episode Highlights

[00:02] Ashley introduces the episode and welcomes guest Paul Lagoda
[00:47] Paul shares his journey from aspiring chef to HVAC professional
[02:05] The “hero” moments that made Paul fall in love with the trades
[02:45] Life with a big family—raising three boys and four girls
[03:47] Beyond heating and cooling: the wide scope of HVAC services
[05:40] The importance of duct cleaning and how it impacts air quality
[06:55] Why showing before-and-after photos builds trust with homeowners
[08:16] Bringing West Coast standards of craftsmanship to Kentucky
[09:25] Service area: from Lancaster to surrounding Kentucky counties
[10:35] Paul’s advice for anyone considering a leap of faith into business
[12:10] The role of family support, faith, and prayer in entrepreneurship
[12:54] Wrapping up live at Just Love Coffee with final thanks and takeaways

From High School Dreams to Full-Time Photography: Kenna Calhoun's Journey of Faith, Family, and Finding Her Calling

Tue, 05 Aug 2025 18:08:03 +0000

Join host Ashley Ramsey as she sits down with longtime friend Kenna Calhoun, owner-operator of Just Kenna Photography, for an intimate conversation about following your passion despite uncertainty. Kenna shares her remarkable journey from winning photography competitions in high school through 4-H to building a thriving full-time photography business over nine years. In this heartfelt episode, she opens up about the challenges and blessings of moving across multiple states with a newborn, transitioning from in-home newborn sessions to a full-service studio experience, and trusting God's plan even when it seemed "absolutely insane." Whether you're a new mom, aspiring entrepreneur, or someone seeking encouragement to pursue your calling, Kenna's story of persistence, faith, and authentic relationship-building offers valuable insights into creating a business that truly serves others while staying true to your purpose.

Highlights:

[00:58] Kenna's Photography Origin Story - From high school 4-H competitions to winning state fair contests, discovering her calling through family support and community programs
[02:23] Breaking Barriers 20 Years Ago - The challenge of pursuing photography as a career when people asked "what are you really gonna do?" in an era before digital photography was mainstream
[04:36] The Heart Behind In-Home Newborn Sessions - Kenna's original mission to make photography a blessing, not a stress, by bringing services directly to new parents' homes
[06:29] Divine Studio Transition - How God orchestrated the perfect studio space after five years, transforming her business into a one-stop experience with makeup artists, breakfast, and client closets
[08:58] Moving with a Newborn - Four States by Age One - The reality of supporting each other's dreams while navigating constant relocation with an infant
[10:45] Two Weeks and a Move - Kenna's incredible story of moving from Kentucky to Missouri just two weeks after giving birth to her son Brooks
[12:17] Advice for New Moms - Don't sweat the small details; the most treasured photos capture authentic moments, not perfect poses
[13:51] Real Life vs. Christmas Card Photos - Why candid moments of kids picking their nose matter more than picture-perfect family portraits
[14:55] The Pond Phone Incident - A memorable shoot where a little boy walked into water with dad's phone, becoming part of the family's treasured story
[16:20] Serving Central Kentucky and Western Virginia - Kenna's current service area and contact information for families seeking authentic photography experiences

Links:

Kenna:

Ashley:

From Coal Miner's Daughter to ADHD Advocate: Saprina Adams' Journey of Self-Discovery

Tue, 15 Jul 2025 20:00:44 +0000

In this heartfelt episode, host Ashley Ramsey sits down with Saprina Adams, a title agent at Springdale Title's Richmond, Kentucky location. Saprina shares her personal journey from growing up as a "real life coal miner's daughter" in Eastern Kentucky to her recent surprising ADHD diagnosis at age 50. She discusses how this diagnosis has transformed her understanding of herself and provided much-needed clarity in both her personal life and her work in the title industry. The conversation explores the often-overlooked symptoms of ADHD in women, the generational patterns that went unrecognized, and the hope that comes with proper diagnosis and treatment. Saprina also reflects on her transition from the emotionally challenging world of foreclosure law to the joy of helping people achieve homeownership.

Highlights

00:30 - Personal Background

Saprina introduces herself as a "real life coal miner's daughter" from Eastern Kentucky
Married to Kevin for 31 years, daughter Alexis studying child and family psychology at EKU
Family includes 16-year-old dog Haley and three great nephews

2:00 - Career Journey

Started at Springdale Title three months ago
Previous 8.5 years in legal field including foreclosure work
Emotional toll of foreclosure work: "I can remember going home crying on a daily basis because I was having to draft documents to take someone's home from them"
Joy of current role: "This job gives me a reason to be able to give someone a home instead of taking it away"

8:54 - ADHD Diagnosis Revelation

Diagnosed with ADHD at age 50: "Being 50 years old, I never did think that that would happen"
Discussion of generational differences in understanding ADHD

09:38 - Generational Perspectives

How ADHD was handled in previous generations: "it was always because, well, you've got ants in your pants or have you had too much chocolate or pop?"
Memory loss from senior year basketball concussion affecting childhood memories

11:31 - Family Patterns

Daughter Alexis diagnosed first, encouraged mother to get tested
Hereditary nature of ADHD: "I can now remember my mom saying that her, my grandmother, her sisters... none of us sleep. Well, now I know why"
Recognition of family-wide sleep issues and fidgeting behaviors

14:34 - ADHD Symptoms Described

Mental experience: "my mind never stopped. It was like taking a computer screen and all of the tabs that you have on a computer screen were open and running all at the same time"
Physical manifestations: constant fidgeting, picking at fingers and lips
Concentration challenges: "Even having a conversation with somebody, I might only get half of it because I would just blank out"

17:31 - Work Impact

Difficulty prioritizing tasks: "when the computer would ding... I'd be going, I need to do that. So I would do that"
Feeling overwhelmed: "I felt like I was going up a slippery slope and I was never getting to the top"
Physical tension from mental overload

22:11 - Medical Explanation

Nurse practitioner's analogy: ADHD brain like information going through a "silly straw" instead of straight down like a normal pen

23:18 - Common Signs to Watch For

Constantly moving mind with multiple "tabs" open
Difficulty focusing on one task
List-making and checking off as dopamine response
Room cleaning example: starting multiple tasks before finishing the first
Procrastination, especially with difficult tasks

30:42 - Medication Success

Chose non-stimulant medication route
Immediate improvement: "the day after I took my medicine... My mind was so clear"
Newfound ability to focus and reduced fidgeting
Adjustment period: "it's so quiet up there, you know?"

32:14 - Advice for Others

Encouragement for women to seek help: "it's okay to ask for help"
Self-care message: "we've got to take care of ourselves first"

33:04 - Episode Conclusion

Ashley thanks Saprina for sharing her personal story
Discussion of importance of raising awareness about ADHD symptoms
Closing tagline: "where we talk a little about business and a lot about life"

Links

Building Your Insurance Career from the Ground Up: A Young Agent's Guide to Success - Echo Falwell

Wed, 02 Jul 2025 02:50:45 +0000

Join host Ashley Ramsey as she sits down with Echo Falwell, a licensed insurance agent with Parsons and Howard Group in central Kentucky. In this engaging conversation, Echo shares her journey from a small-town Western Kentucky girl to building a successful insurance career in Lexington. She discusses the challenges and opportunities of entering the insurance industry as a young professional, the importance of building genuine relationships with clients, and practical advice for business owners navigating insurance needs. Whether you're considering a career in insurance or looking for guidance on protecting your business assets, this episode offers valuable insights on relationship-building, client service, and professional development in the insurance industry.

Highlights:

00:50 - Echo's background and why she chose insurance

Growing up in a small business family (parents owned a bicycle shop)
Early experience in sales and customer service
Transition from tourism work to insurance

04:17 - Building a career foundation without connections

Self-studying for insurance licensing in 3 weeks
Prospecting for job opportunities like prospecting for clients
The importance of face-to-face networking over online applications

08:20 - Advice for young professionals entering any industry

"You can't just sit at home and hope someone's gonna notice your resume online"
Building confidence to walk into rooms full of strangers
The value of traditional relationship-building in a digital age

09:42 - Finding your niche in insurance

Focusing on commercial insurance rather than personal lines
Understanding your target market and ideal clients
Why casting a narrow net is more effective than going broad

16:49 - Avoiding common pitfalls for new agents

Not comparing yourself to 10-year veterans
Learning from industry mentors and peers
Managing emotional highs and lows: "Stay steady"

20:32 - The farming analogy for insurance sales

"I'm a farmer and I want to reap my field of wheat after I put all the hard work into it"
Long-term thinking vs. immediate gratification

21:42 - Building client relationships through education

Teaching clients to understand their policies
Going beyond just signing papers
The importance of proper asset protection

23:47 - The client consultation process

Comprehensive business assessment approach
Understanding growth plans and carrier selection
Why independent agencies offer more flexibility

31:10 - Practical insurance advice for business owners

Starting workers' compensation early for better loss ratios
The importance of understanding coverage limits
Why regular policy reviews are essential

35:49 - Best practices for small business owners

Getting insurance as early as possible in your business journey
Working with agents who want to see you grow
The value of independent agencies vs. captive agencies

39:02 - Final advice: Schedule free consultations

"All consultations are free"
Regular policy reviews to ensure adequate coverage
Staying current with business changes and insurance needs

Links:

Echo Falwell | LinkedIn

Wildlife Control & Nuisance Animal Removal | X-iT Pest & Wildlife

Wildlife & Pest Control in Real Estate: Hidden Issues That Can Derail Your Closing - Seth Johnson

Tue, 17 Jun 2025 19:24:48 +0000

In this episode of Spilling the Title Tea, host Ashley Ramsey sits down with Seth Johnson, owner and operator of Exit Pest and Wildlife Solutions in Central Kentucky. They dive into the often-overlooked world of pest and wildlife issues that can impact real estate transactions. From raccoons in attics to bat infestations that have been ignored for years, Seth shares eye-opening stories and practical advice for buyers, sellers, and real estate professionals. Learn why preventative inspections are crucial, how small problems can become expensive nightmares when left untreated, and what sets local family-owned businesses apart from corporate competitors. Whether you're buying, selling, or working in real estate, this episode reveals the hidden issues that could delay your closing and cost you thousands.

Highlights:

00:41 - Seth introduces Exit Pest and Wildlife Solutions services

Nuisance wildlife control (raccoons, squirrels, groundhogs, skunks, bats, mice)
General pest control (ants, flies, spiders, wasps)
Mosquito control services

02:05 - Discussion about cicadas and current brood activity

03:54 - Why pre-purchase and pre-listing inspections are crucial

Stories of sellers hiding problems temporarily
The importance of thorough attic inspections

06:47 - Memorable service call: The 8-year bat infestation

Massive guano accumulation in attic
Why waiting increases costs exponentially
Health hazards of bat droppings

09:57 - Dangerous encounter: Protective raccoon mother in attic

How raccoons can become aggressive when protecting young
Safety considerations for wildlife removal

11:42 - Most memorable job: Dead deer in swimming pool

Months of decomposition under pool cover
Challenges of cleanup in in-ground pools

14:42 - Early detection advice for homeowners

Checking for bat droppings in attics
Catching problems before they escalate

16:03 - What sets family-owned businesses apart

Personal accountability and reputation
Quality over quantity approach
Local community connections

17:02 - Avoiding overpriced services

Second opinions can save thousands
Not every situation needs extensive remediation

18:16 - The value of local business relationships

Community connections and accountability
Long-term client relationships built on trust

Links:

Pest Control 859-797-4237

Wildlife 859-595-5908

Hope's Wings – Domestic Violence Program

Hope's Wings: A Beacon of Safety for Domestic Violence Survivors in Madison County - Jennifer Lainhart

Tue, 03 Jun 2025 14:30:00 +0000

In this powerful episode of Spilling the Title Tea, Ashley Ramsey sits down with Jennifer Lainhart, Executive Director of Hope's Wings, a grassroots nonprofit organization serving domestic violence survivors in Richmond, Kentucky.

Hope's Wings provides more than just emergency shelter - they offer a comprehensive three-phase program designed to help survivors achieve true independence. From crisis intervention to job training and transitional housing, their holistic approach has achieved an impressive 72% success rate for participants who complete all three phases.

Jennifer shares the organization's inspiring origin story, born from a community effort by First Christian Church in 2005, and explains how they've evolved from a "band-aid station" to a Blueprint for Safety community - one of the only ones in Kentucky. She discusses the challenges of serving a population where 1 in 4 women and 1 in 9 men experience domestic violence, and how Hope's Wings works to break the cycle of abuse through education, empowerment, and practical support.

Listeners will learn about the organization's unique approach to shelter design, ensuring families have private spaces while maintaining community support, and how they partner with local law enforcement and landlords to create a comprehensive safety net.

Episode Highlights:

00:51 - The Birth of Hope's Wings: Jennifer explains how Hope's Wings was created by the Madison County community in 2005, starting as a grassroots effort from First Christian Church
01:17 - Serving the "Choosing Homeless" Population: "We serve a homeless population that are choosing homelessness because their own homes aren't safe to live in"
02:04 - Staggering Statistics: The reality that 1 in 4 women and 1 in 9 men experience domestic violence, affecting a third of the nation's children
04:47 - The Three-Phase Program Explained: Jennifer breaks down the comprehensive approach from crisis intervention to empowerment to transitional housing
08:25 - How to Access Help: The simple process starts with a phone call to their 24/7 crisis line at 859-623-4095
11:49 - Family-Focused Shelter Design: Why Hope's Wings provides private bedrooms for families instead of shared spaces
14:53 - Impressive Success Rate: 72% success rate for participants who complete all three phases of the program
16:15 - Learning from Early Mistakes: Jennifer's candid story about a family who returned to their abuser due to lack of comprehensive support in the early days
19:53 - Blueprint for Safety Community: Hope's Wings' role in creating community-wide policies for addressing domestic violence through evidence-based prosecution
20:28 - How the Community Can Help: Practical ways to support through donations, supply drives, and volunteer opportunities
22:02 - Respectful Volunteering: Why Hope's Wings focuses on behind-the-scenes volunteer work to preserve residents' dignity
24:39 - Jennifer's Advice: "Call us when you have a moment and it's safe for you to do so. There's no pressure... but we'll listen to you."

Links

Home - Springdale Title, LLC

24/7 Crisis Line: 859-623-4095

Email: info@hopeswings.org

FAQ Edition: DOWER Rights, Wire Fraud Protection, and Title Insurance Explained

Tue, 20 May 2025 14:46:45 +0000

In this special episode of Spilling the Title Tea, owners Ashley Ramsey and Jackie Daugherty team up to answer the most common questions they receive at Springdale Title. They break down the complexities of DOWER rights across different states, explain why their wire transfer security protocols are so important, and clarify the benefits of owner's title insurance policies. Whether you're buying or selling property, this educational episode provides valuable insights to help you navigate the closing process with confidence.

Highlights

00:02 - Introduction to the FAQ format episode with Ashley and Jackie
00:29 - Why understanding DOWER rights matters in real estate transactions
01:37 - Kentucky's marriage requirements for property transactions explained
03:07 - How DOWER rights differ in Tennessee compared to Kentucky
04:22 - Differences in property rules across states (Indiana vs. Kentucky/Ohio)
05:41 - Ensuring legal compliance in property transactions
05:53 - Discussion on wire fraud protection measures
06:53 - Why Springdale Title uses enhanced security protocols for wire transfers
08:36 - Educating clients about wire fraud prevention
10:14 - Benefits of owner's title insurance policies, especially legal fee coverage
11:00 - Difference between owner's and lender's title insurance policies
12:35 - The expanded title insurance policy option explained
14:44 - Why title insurance matters even for new construction properties
15:47 - Real story about a builder constructing a house on the wrong lot
17:13 - Information about additional FAQ resources on SpringdaleTitle.com

Ashley

Jackie

Sandy Adams, CENTURY 21 Real Estate Agent in Berea, KY

From Reluctant Realtor to Community Builder: Sandy Adams' Journey in Real Estate and Beyond

Tue, 06 May 2025 16:45:00 +0000

In this episode of Spilling the Title Tea, Ashley Ramsey sits down with Sandy Adams, owner of Century 21 Pinnacle in Madison County, Kentucky. Sandy shares her unexpected journey into real estate after her husband enrolled her in real estate school without her knowledge - a decision that led to a thriving 23-year career. Beyond running her brokerage with 30 agents, Sandy discusses her passion for community building through her coffee shop, Just Love Coffee Cafe, which hosts community events, business expos, and much more. She offers valuable insights on surrounding yourself with the right people, handling business challenges, and building a legacy focused on values rather than material wealth. Sandy's story is a testament to embracing unexpected opportunities and using business success to create meaningful community impact.

Episode Highlights

00:15 - Ashley introduces Sandy as a "jack of all trades" with vast knowledge across multiple fields
00:37 - Sandy shares her background from paralegal to reluctant realtor after her husband enrolled her in real estate school
01:56 - How Sandy initially hated the idea of real estate but eventually found her passion
04:11 - The unexpected growth of Sandy's brokerage from a solo operation to 30+ agents
06:16 - How Sandy acquired Just Love Coffee Cafe and her original plans for the building
07:25 - Just Love's role as a community hub hosting various events and supporting local businesses
09:30 - Sandy's philosophy on surrounding yourself with the right people and being the "driver of your bus"
10:51 - Handling the challenges when the "right people" turn out to be wrong for your team
12:15 - Sandy's approach to personal growth inspired by Mel Robbins' "Let Them" philosophy
12:52 - Sandy discusses her legacy and focus on her grandchildren rather than material wealth
16:02 - The touching story of Sandy's grandfather and how his generosity continues to inspire her today

Links

Meet The Team at Thrive Mortgage Columbus Ohio - Thrive Mortgage - Columbus, Ohio - Kreg King and Nick Steinhauer

The Current State of Mortgage Rates, Potential Recession, and Cryptocurrency in Real Estate with Kreg King and Nick Steinhauer

Tue, 15 Apr 2025 10:30:00 +0000

In this episode of Spilling the Title Tea, Ashley Ramsey reconnects with Kreg King and Nick Steinhauer, co-branch managers of Thrive Mortgage Columbus, nearly a year after their previous appearance. They discuss personal updates, their successful Red Bull event that attracted nearly 400 attendees, current mortgage rate trends, economic predictions regarding inflation and unemployment, and their forward-thinking approach to cryptocurrency in mortgage transactions. Learn why mortgage rates in the mid-6% range are becoming the "new norm" and what might be on the horizon for the economy in 2025.

Episode Highlights

00:33 - Personal life updates from Craig and Nick
05:27 - Their annual Red Bull event that more than doubled in attendance
06:27 - Review of their previous rate predictions and how accurate they were
08:08 - Discussion of potential Federal Reserve rate cuts in 2025
08:39 - Explaining stagflation and its current impact
12:10 - How consumers are adapting to higher mortgage rates
14:33 - The importance of rate stability in the market
15:09 - Are we already in a recession or heading into one?
18:19 - Why some recessions can be beneficial for the economy
19:57 - Using cryptocurrency for home purchases
22:53 - The importance of adapting to new technologies in the mortgage industry

Links

Pressure Washing Service - Richmond, Lexington Kentucky

Ditching Processed Food: Shannon Wiley on Eating Clean and Feeling Better

Tue, 01 Apr 2025 18:30:00 +0000

In this episode of Spilling the Title Tea, host Ashley Ramsey sits down with Shannon Wiley of the Yes Team for Springdale Title. Shannon shares her journey through the title industry, from running titles across Kentucky to facilitating real estate closings. They also dive into the emotional aspects of homeownership transitions and discuss the importance of clean living, from food choices to household products.

Episode Highlights:

[00:01] Welcome & Introduction to Shannon Wiley
[00:35] Shannon's Start in the Title Industry
[02:21] Why She Loves Title Work & Problem Solving
[04:08] The Joy of Working with First-Time Home Buyers
[05:28] The Emotional Side of Home Sales & Downsizing
[07:47] Shannon’s Journey to Clean Eating & Healthier Living
[09:33] From Gardening to Raising Chickens for Better Food Choices
[10:53] The Hidden Dangers in Everyday Household Products
[19:38] The Truth About Fast Food – Shannon and Ashley discuss the unhealthy ingredients in fast food, including sawdust in some processed meats.
[21:47] Cutting Out Cereal – Shannon shares why she stopped buying cereal and how it improved her family's diet.
[22:13] Small Steps to Big Change – The importance of gradual dietary adjustments to make healthier habits sustainable.
[22:45] Feeling the Difference – How eliminating processed foods leads to noticeable improvements in energy and well-being.
[23:24] Regret After Junk Food – The sluggishness and discomfort that come from eating fast food after switching to a cleaner diet.
[23:40] The Rising Cost of Healthy Eating – Discussion on how increasing awareness of healthy eating may drive up the price of fresh food.
[23:54] Growing Your Own Food – Shannon’s approach to home gardening, including blueberries and strawberries for fresh, homegrown breakfasts.

Taking the Leap: Prioritizing Family, Faith, and Entrepreneurship - James McGuire

Tue, 18 Mar 2025 07:00:00 +0000

In this episode, James McGuire owner of Owner of Upward ProWash shares his journey of leaving a secure corporate job to focus on his family and build a business aligned with his values. He and Ashley Ramsey discuss the challenges of transitioning from traditional employment to entrepreneurship, the importance of real-world education, and the rewards of investing in family life. They explore how faith, personal growth, and a shift in mindset can lead to a more fulfilling and purpose-driven path.

Episode Highlights:

[00:00] Introduction and setting the stage
[16:17] The gap between academic learning and real-world experience
[18:23] The changing landscape of childhood and education
[20:32] Redefining success: Beyond traditional career paths
[22:12] The courage to put family first
[23:29] The impact of strong family foundations on society
[24:05] Advice for those considering entrepreneurship and homeschooling
[26:25] The power of “because goals” in making life-changing decisions
[27:46] Shifting identity: From corporate job title to entrepreneur
[28:54] Final thoughts: Stop waiting—start building the life you want

Resources & Links Related to this Episode

James McGuire, Owner of Upward ProWash

upward prowash - Search Results | Facebook

Building Trust in Contracting: The Importance of Local, Reputable Contractors - Bryan Baker

Tue, 04 Mar 2025 15:29:58 +0000

In this episode of Spilling the Title Tea, Ashley Ramsey welcomes Bryan Baker from Craftsman Contractors. They discuss the importance of hiring reputable, local contractors, especially after storm damage. Bryan shares his personal experiences with storm restoration, the risks of out-of-town contractors, and the value of working for a company that treats employees like family. Plus, hear inspiring stories about going above and beyond for clients in times of need.

Episode Highlights:

00:02 – Introduction to Bryan Baker and Craftsman Contractors
01:09 – Bryan’s journey with Craftsman Contractors and the company’s values
02:14 – Creating a family-like company culture
03:24 – The risks of storm-chasing contractors and why local expertise matters
04:43 – How storm victims are left stranded by out-of-town contractors
06:07 – The importance of working for a reputable company
07:10 – Going above and beyond: Personal stories of helping customers beyond contracting work
08:09 – Answering a customer’s call at 6:30 AM for a beeping smoke detector

This episode is a must-listen for homeowners, real estate professionals, and anyone who values quality service and local business integrity.

Resources & Links Related to this Episode

Bryan Baker with Craftsman Contractors

Roofing Contractor in Richmond, KY - Craftsmen Roofing and Exteriors