Growth & Grace

Leaha Crawford and Julian Rosado discuss the concept of the "power of pivot" on their show "Growth and Grace." They explore how to adapt to life's changes, such as rising energy costs, higher grocery prices, and the shift to electric vehicles. They share personal experiences, including business challenges and personal setbacks, and emphasize the importance of resilience and flexibility. They also touch on the transition from human customer service to AI, the impact of technology on communication, and the value of embracing change. The hosts encourage listeners to reflect on what they need to release, what changes they are resisting, and the opportunities hidden in challenges.

Leaha Crawford, host of the "Growth and Grace" program, discusses common tax mistakes and strategies for effective tax planning. She emphasizes the importance of filing taxes on time, especially by April 15, and paying any expected balance to avoid penalties. Crawford advises organizing tax documents throughout the year, including W-2s, 1099s, and mortgage interest statements. She highlights the need for entrepreneurs to understand business expenses, employee classification, and the importance of accurate financial records. Crawford also offers her contact information for tax assistance and encourages listeners to plan for their tax obligations to avoid complications.

Leaha Crawford hosts "Growth and Grace" and discusses the third annual Black Family Wellness Expo with special guests Christie Means and Lamont Harris. The event, held on March 14 from 11 AM to 4 PM at West Prep Academy, focuses on physical, mental, financial, occupational, and intellectual health. Key participants include the Southern Nevada Health District, Nevada State University, CSN, and the Career Technical Institute. The expo also features primary care visits, HIV rapid testing, and resources for foster care transition. Lamont Harris discusses the current booming mortgage market, emphasizing the importance of pre-approval for home buyers.

The Salvation Army of Southern Nevada, in collaboration with Scouts of America, is hosting a food drive at 22 Smith's locations across Las Vegas and Pahrump. This is the 38th year of the partnership, aiming to stock the Henderson food pantry. Kyle Smith highlighted the increasing need for rental assistance, with 356 calls last month. The Salvation Army assists 3,000 veterans annually, provides housing for 2-300 families, and operates vocational programs. They also run an adult rehabilitation center and a night shelter. The community meal program serves 132,300 meals annually. The pop-up pantries aim to expand reach, especially in North Las Vegas.

Anita Ross, a former Navy member and Department of Energy contractor, transitioned into real estate investing after buying her first home. She emphasized the importance of budgeting, typically setting aside 10% of the purchase price for closing costs and agent fees. Anita highlighted the need for accurate cost estimations, including a 10-20% cushion for unexpected expenses. She discussed the role of her long-time realtor, George Trill, in negotiating deals and providing resources. Anita also touched on the challenges of securing hard money loans, which require a minimum 10% down payment, and the importance of timely renovations, aiming to complete projects within 45-60 days.

The program discussed tax season strategies, including offering clients a tax plan alongside their returns. The firm aims to reduce client stress and provide comprehensive services. The conversation shifted to fashion, featuring Sheneka Gunn from Cute Boutique, who emphasized the importance of unique, well-fitted clothing for plus-size women. Sheneka shared her journey, including being featured in magazines and working with celebrities. She also highlighted her community involvement, such as toy drives and scholarships. The segment concluded with personal anecdotes and reflections on the importance of presentation and support in business.

This episode of Growth and Grace discusses the importance of financial planning and managing credit, featuring guest Frank Ruvalcaba from Operation Hope. Frank emphasizes the need to plan for expenses throughout the year, especially during the holiday season, to avoid financial strain. He highlights Operation Hope's free financial literacy programs, which include credit management, debt reduction, and budgeting. Frank shares a success story of a client who reduced $15,000 in debt by managing expenses. He recommends having an emergency fund equivalent to six months of expenses. Contact information for Operation Hope: 404-994-9011 and [frank.ruvalcaba@operationhope.org].

The discussion on "Growth and Grace" covered various topics, including holiday greetings, Super Bowl predictions, and a business line of credit offered by Western Alliance Bank. The line of credit, up to $100,000, has a five-year term with an interest rate of Wall Street Journal prime plus 1.95%. Requirements include a two-year business operation history and a business deposit relationship with the bank. The panelists emphasized the importance of maintaining updated entity documents, having financials in order, and planning for 2026. They also highlighted the benefits of having a personal relationship with a banker for better business support.