On today’s show, Jay, as he does quarterly for new listeners, is discussing budgeting by reviewing The Baby Steps from the Dave Ramsey playbook!  Dave has been helping millions of listeners world wide for over...

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Jay with the help of Justin Hermes from Real Estate Realities will be bringing clarity on the new real estate commission changes.  Who it can hurt, how it might help and what you need to...

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Jay Garvens in all his years on air has never touched this title before.  But Jay says times have changed and it is not time to talk about “The Dangers of Credit Counselors!”  Bill McAfee...

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This week Jay reflects back on his 4th trip to Central America with Mission Lazarus 4.0.  Jay will also have Jason Holmes from Rocky Mountain Climate in the studio talking costs and why you need...

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This is a very important show this week if you are looking into buying a house, investing or if you are about to refinance your home.  It’s “The Perfect Mortgage and the 6 Hidden Traps...

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Selling a house?  Just received some extra money and you want to fix up the house?  This weeks show will help!  Jay Garvens will be talking about “Home Improvements and Choosing a Contractor.”  Don’t throw...

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This week with the help from Justin Hermes from the Real Estate Realities, they will be “Comparing the 15-Year Mortgage to the 30-Year Mortgage.” Find out why the 30-year mortgage is a scam!

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The week Jay has a time sensitive show for his listeners.  Jay will explain the theory of why he says buy now!  Taking everything into consideration from the economy to the upcoming elections.

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This week Jay has a special guest “Ken Smith,” Churchill Mortgage’s reverse mortgage specialist.  Usually Ken will only come in once a year to update and explain reverse mortgage and dispel rumors about this product. ...

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This week Jay is talking money, money, money!  Jay will explain your property tax relief and break it down as to how it works and what you can expect back.

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