Spilling The Title Tea

Ashley Ramsey
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Title experts share their knowledge

  1. 1D AGO

    Cybersecurity, Smart Buildings & Business Tech: What Every Business Owner Needs to Know with Drew Meaux

    In this episode of Spilling the Title Tea, Ashley sits down with Drew Meaux of ProTech IT Solutions to talk about the growing role technology plays in modern business and why ignoring cybersecurity can cost you far more than just downtime. From buying commercial real estate to protecting sensitive customer data, Drew explains how outdated systems, weak passwords, unsecured Wi-Fi, and lack of planning leave businesses vulnerable every single day. The conversation covers everything from cyber threats and phishing scams to VPNs, building security systems, cloud backups, and smart technology upgrades for growing businesses. Whether you’re a small business owner, property investor, medical office, law firm, or just someone trying to better protect your personal information, this episode is packed with practical advice on how to stay secure and avoid costly mistakes in today’s digital world. HighlightsWhy buying or renovating a commercial building is the perfect time to upgrade your technology systems. How outdated wiring, networking, and tech layouts in older buildings can slow down business operations. The hidden dangers of sharing one Wi-Fi network between employees, tenants, and public guests. Why weak passwords and reusing the same password across multiple accounts creates major security risks. Phishing scams explained: fake toll texts, fake invoices, urgent emails, and how scammers trick people into clicking. The importance of keeping systems updated—and why ignoring software updates can leave businesses vulnerable. How VPNs add protection when working remotely or using public Wi-Fi networks. Why small businesses are often bigger cyberattack targets than people realize. Smart business security upgrades: camera systems, remote door access, cloud backups, and mobile monitoring. Drew explains why proactive IT planning is always cheaper and easier than dealing with a cyber disaster after it happens. LinksProtech IT Solutions | information technology management company (859) 516-4045 Facebook Sringdale Title Links: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram

    38 min

  2. APR 22

    Newly Married & Building a Future: Insurance, Money, and Real Talk for Young Couples with Joshua Williams

    In this episode of Spilling the Title Tea, Ashley welcomes back Joshua Williams, insurance agent with Kentucky Farm Bureau, for a conversation packed with real-life updates and practical advice. Now newly married, Joshua shares what’s changed—from merging finances and planning for the future to navigating today’s challenging housing market. He breaks down why insurance becomes even more important after marriage, how to think about life insurance in a practical way, and what young couples should be doing right now to protect each other and build stability. Ashley and Joshua also dive into the realities of buying a home in today’s market, offering honest insight into affordability, patience, and making smart financial decisions without unnecessary stress. If you’re newly married (or heading that direction), this episode is full of grounded, real-world advice on how to plan wisely, communicate effectively, and build a strong financial foundation together. Highlights Joshua shares his biggest life update: getting married and building a new life with his wife. Why keeping a wedding simple and stress-free can make the experience more meaningful. Key insurance changes after marriage—combining policies and updating coverage. The importance of life insurance when you now have a spouse depending on your income. How to calculate coverage: replacing income, covering debts, and protecting long-term stability. Why term life insurance often makes sense for young couples on a budget. The harsh reality of today’s housing market—high prices, high rates, and limited inventory. Smart strategy: delaying homeownership to improve finances, save for a down payment, and reduce stress. Financial planning tip: live below your means now to prepare for future goals like children and homeownership. Relationship advice: sit down together, align goals, communicate openly, and build your future as a team.  Links Joshua Williams - Kentucky Farm Bureau (kyfb.com) 859-626-7725 Sringdale Title Links: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram

    28 min

  3. APR 9

    FinCEN Chaos Explained: What the Latest Court Rulings Mean for Your Real Estate Closings

    In this quick update episode of Spilling the Title Tea, Ashley sits down with Springdale Title COO Trevor Daugherty to break down the latest developments surrounding the FinCEN regulation and why things just got even more complicated. Just weeks after the rule went into effect, conflicting federal court rulings have already thrown the industry into uncertainty. Ashley and Trevor explain what this means right now for buyers, investors, and anyone involved in real estate transactions. While reporting requirements may be temporarily paused, data collection is still happening and for good reason. This episode gives you a clear, practical understanding of what’s changing, what’s not, and how Springdale Title is staying proactive to ensure your closings don’t get delayed. If you’re buying property, especially through an entity, this is a must-listen update to stay ahead of the curve. HighlightsRecap of the FinCEN rule and its original March 1st implementation affecting real estate transactions. A lawsuit prior to March 1st failed to stop the rule from going into effect. A second lawsuit (March 20th) resulted in a federal court striking down the regulation—creating conflicting rulings. Why this legal conflict will likely escalate to the U.S. Supreme Court. Current reality: reporting requirements are paused, but data collection is still mandatory. Why title companies are continuing to collect FinCEN data to avoid last-minute closing delays. Who is affected most: buyers using entities like LLCs, trusts, or corporations. How post-closing transfers into entities can still trigger FinCEN requirements. Possible outcomes: the rule could return fully, come back modified, or be eliminated entirely. The key takeaway: expect continued requests for information and trust that it’s to keep your transaction smooth and compliant.  Links Sringdale Title Links: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram

    7 min

  4. MAR 19

    From Setback to Startup: Chris Stansbury on Building a Restoration Company That Actually Cares

    In this episode of Spilling the Title Tea, Ashley sits down with Chris Stansbury, Business Development Manager at First Response Restoration, to talk about turning an unexpected career setback into a thriving business. Chris shares how being let go from his previous role led to the creation of First Response Restoration, how they built a “dream team” from day one, and why putting people—both employees and customers—first has fueled their rapid success. From water, fire, and mold remediation to some of the toughest real-life situations homeowners face, Chris gives an inside look at what restoration work really entails. They also dive into entrepreneurship, taking risks, and why sometimes you don’t “jump”—you get pushed—and that’s exactly what you need. This episode is equal parts business insight and real-life perspective on doing the right thing, even when it’s not the most profitable choice. HighlightsChris’s background: Kentucky native, former attorney, and now Business Development Manager at First Response Restoration. The turning point: being unexpectedly let go from a previous job and how that led to starting a restoration company. Building a “dream team” from day one by bringing in experienced leaders in operations, insurance, and field work. Rapid growth: hitting year-one goals that most restoration companies take four years to achieve. Core services explained: water, mold, and fire remediation—plus crawl space work, encapsulation, and biohazard cleanup. 24/7 emergency response and why fast action is critical when homeowners are dealing with major damage. What truly sets them apart: a people-first approach, from employee care to honest guidance for customers (even if it means less profit). Real-life stories: helping a 90-year-old homeowner navigate insurance and displacement coverage after a flood. The reality of restoration work: floods, sewage, hoarding situations, and biohazard cleanups that most people never see. Chris’s advice on career and risk: don’t stay comfortable—take chances, explore opportunities, and find work you actually enjoy. Links Sringdale Title Links: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram First Response Restoration  (2) Facebook 859-300-9532 support@firstresponseky.com

    26 min

  5. MAR 3

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

    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. HighlightsChristina’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: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram

    19 min

  6. FEB 18

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

    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. HighlightsWhat 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: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram Link to FinCEN Class registration in Richmond (7) FinCEN Updates: What Financial Professionals Need to Know for 2026 | Facebook

    9 min

  7. FEB 3

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

    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: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram

    20 min

  8. JAN 20

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

    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  Instagram Joanna_interiordesign@hotmail.com  Sringdale Title Links: sprindaletitle.com Facebook https://www.linkedin.com/company/73182038 Instagram

    21 min
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5
out of 5
3 Ratings

About

Title experts share their knowledge

Information

  • Creator
    Ashley Ramsey
  • Years Active
    2023 - 2026
  • Episodes
    80
  • Rating
    Clean
  • Copyright
    © All rights reserved.
  • Show Website
    Spilling The Title Tea