Finding Your Financial and Legal Frequency; Melissa D. Mohan, Esq

April 2, 2021
Hosted by Jeff Spenard and Ryan Treasure

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Guest Information

Episode Description

Tune in to this radio show and podcast! We chat about all things legal and financial!! Our guest Melissa D. Mohan, Esq, is a wealth of knowledge. Host Ryan Treasure and Co-Host Tracy Moley discuss the many things important to finance and your legal situation with our awesome guest!! See below for some talking points and tips for your financial and legal life. Some of our topics! Also, please follow the show at https://stereo.com/radioryan1 Here Are The Things you can control in your legal and financial life: Legal: • Will – A legal documents that layout your wishes after you die. o If you have a minor child, a will is a must. • Trusts o fiduciary arrangement that allows a third party, or trustee, to hold assets on behalf of a beneficiary or beneficiaries o minimizing estate taxes and can offer other benefits as part of a well-crafted estate plan • Power of Attorney o you give another person authority to handle your personal business and make decisions on your behalf, WHILE YOU ARE ALIVE. • Health Care Proxy o allows you to appoint someone else to act as your agent for medical decisions • Living Will o also called a directive to physicians or advance directive. It lets people state their wishes for end-of-life medical care if they become unable to communicate their decisions. It has no power after death. Life Insurance • Everyone needs it. • TRADITIONALLY, it pays a death benefit (sum of money) to your family upon your death. Also, a way to build wealth and tax-free investment. • Term o Lasts for a specific period of time. o Premiums lower, no cash accumulation • Permanent o Lasts for your entire lifetime o Premiums higher, cash accumulation • Living Benefits o Cancer, Stroke, Heart Attack no longer a death sentence. ? More people surviving. In fact, 90% of people will survive a heart attack. o These are benefits that you do not have to die to use. It’s a no-brainer. o Difference between surviving an illness and having a life afterward. Living Situation • Need more space, less space • Want to change your location • Refinancing - benefits • How does the low-interest rate mean for me? Things you may not be able to control: Foreclosure • Many facing financial difficulty. Some of us may get behind on our mortgages and may be facing foreclosure. • Foreclosure brings about feelings of disappointment and shame. But it’s okay. • Mortgage servicers are getting new guidelines on how to handle this crisis. • Now is the time to be proactive with mortgage servicers. • Not sure what to do or who to call, reach out to me, and I will do my best to assist you. https://www.facebook.com/melmorealty https://www.facebook.com/Melmo312 https://www.voiceamerica.com https://www.facebook.com/tvmotley

Finding Your Frequency

Finding Your Frequency

Live Shows Friday at Noon Pacific Time with Minisodes on Mondays and Wednesdays

“Finding Your Frequency” is about more than just content and code. It is more than just philosophy and polishing your image. It’s about both failure and success, the difference between the two and all of the steps in between! Jeff and Ryan discuss the digital media space and all of its aspects. It’s about making the mistakes, taking the chances summoning the intestinal fortitude to step out of your comfort zone and discovering what you can accomplish when you decide to try, decide to learn, decide that you have something to say and Find Your Frequency! It’s live every Friday at 12 Noon Pacific Time and 3 PM Eastern Time on the VoiceAmerica Variety Channel.

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Jeff Spenard and Ryan Treasure

Jeff Spenard and Ryan Treasure

Jeff Spenard has over 20 plus years of broadcast media experience and is currently the owner of World Talk Radio, LLC, home to the VoiceAmerica Talk Radio Networks. Mr.Spenard is the former President of Modavox's Internet Radio division and also served on the Board of Directors. Jeff has worked with over a thousand industry professionals to help them establish a foothold within the media community. In 1994 he acted as the director of development, managing sales as an Executive Producer for a 50,000 watt independent talk station in New England. Over the course of three years, while building and strengthening a consistent format, the independent talk station expanded and purchased an additional 50,000 watt station in Phoenix, AZ. Mr. Spenard provided instrumental leadership and guidance for the independent talk station's growth and transformation. Following several years of development and syndicating programs, He realized the opportunity to navigate his experience towards Internet Based Radio and became one of the leading minds in the industry. Starting in early November 1999 Mr. Spenard visualized a format which ultimately became VoiceAmerica, a key member and one of the original "co-founders" of the Internet Talk Radio Network. In time Mr. Spenard rose to the level of Network Director, Vice President, President and now CEO of World Talk Radio, LLC. Jeff has worked to develop over 1000 radio programs and has expanded his business into Internet TV and other multimedia divisions. As a leader in the field, Internet TV has become a major focus, and with the addition of Broadway and Hollywood, just two of many projects to come, Gateway Media Group LLC, which is the video production company and runs www.VoiceAmerica.TV, also owned by Mr. Spenard, will be another strength in the multi-media industry and adds a new dimension to the overall growth.

Ryan has been in the Audio/Video Production field for over 20 years. He started out in terrestrial radio in the late 90's but quickly moved into "New Media". Ryan is a thought leader in the Digital Media space and has been with VoiceAmerica.com since 2004 Managing Internet broadcasting, web services, and radio operations. Ryan has been in many facets of the industry, including audio and video post-production editing, live audio production, and interactive web content delivery. "I love what I do, and Love technology. I am dedicated to making production operations and digital delivery a class act.

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