Rebecca Sounds Reveille with Debbie Boyd

What’s your strategy? We often think about what we are going to use our paycheck for. This amount of it goes here. This amount goes there. How much do I have to pay my bills and how much there is to invest? What is the rate of return and how much money do I need to make it worth it? Today’s guest talks about some of these important questions, “What is money? Is money something to be spent freely, donated, and cherished, or is it something that you hoard and you hang on to and you don’t let anybody close to because you’re afraid that you’ll lose it?” She also brings some other food for thought and gives very in-depth detail on reverse mortgages. One of the things she shared, “Rates are at an all-time low, so everybody goes, “Well, why would you leverage it now? Times are good.” That’s when you do it. You don’t do it when times are bad. So, I think we need to kind of have an education from an outside third party. Not with our family. Not with someone you don’t go to. Someone that has money to help you regulate how to make money. You only go to people that make money to help you make money.” She also explained the misconceptions surrounding what people have been told about reverse mortgages. “What a reverse mortgage does it actually gives us more ways to get cash flow.” She also details what and why this could be beneficial in the event the homeowner were to pass away. There is a lot of information! Grab a pen and paper!

Guest, Debbie Boyd, is CEO of DLB Financial and a graduate of the University of Texas at Austin and is the radio host on her show, Money Strategies with Debbie, which has been aired for over a decade dicing complicated financial news into easy to understand pieces brings some eye-opening facts about finances to this episode. Debbie is also an educator whereby she speaks frequently with university students in business classes about money and finance has been helping clients over the last 20 years with their investments, mortgages, and insurance needs.


Rebecca Sounds Reveille with Eddie Ghabour

Just how fast does life go by? We want to talk about retirement because we usually don’t. Everything else tends to draw our attention away from this essential topic, but if we put it off, we can face some serious consequences. Early in life, the days seem so long and arduous and when we wake up in the morning, we think the day seems to go on forever and there is so much to do. Then later, we realize a week has gone by or a month has gone by. Then, oftentimes, we look back and the decades have gone by. It is at this point where many people realize that life had gone by too fast and the retirement inquires or planning they were going to do never got done. And now what?

Guest, Eddie Ghabour, co-owner and managing partner of Key Advisors Group, LLC, returns to share how to prevent letting life pass your retirement by or even “goodbye.” Eddie graduated from York College of Pennsylvania with a degree in Economics and Finance and in1998, he began a successful career in financial planning. In 2000, he started Key Advisors Group, LLC with his business partner and since then has qualified for the prestigious, MDRT (membership is based on sales criteria), Court of the Table, and Top of the Table honors each year. Eddie is an Investment Advisor Representative who offers investment advisory services through WFG Advisors, LP. He is also insurance-licensed in Delaware and author of The Common-Sense Bull, The Keys to the Good Life Before and During Retirement.

Specializing in money management, Eddie also focuses on retirement and estate planning strategies for his clients, He works with local CPAs and attorneys implementing tax saving strategies to help clients protect their hard-earned assets from unnecessary taxation. He is also a member of the local Chamber of Commerce and The National Association of Insurance and Financial Advisors.

Eddie, his wife Lauren, and their sons Eddie and Elijah reside in Milton, Delaware. In his free time, Eddie volunteers as a coach for Lewes Little League. When Eddie is not working or coaching on the baseball diamond he can usually be found enjoying the sun at the beach, or on the golf course.

In many areas of our life, we can put things on the back burner, such as our finance, and not take a hard look at them under there is a situation that is dire. At that point, it is too late and you have to resort to taking drastic measures like selling off prized possessions or taking out loans and stacking up debt. In many areas of life, such as fitness, a professional athlete will have a personal trainer help them get to achieve a goal. The athlete becomes accountable. When we become accountable to ourselves and dedicate ourselves to something important, we succeed. This is Eddie’s coaching style, where about every 3 months he is coaching you to achieve your goals and help you succeed.

Stop for a minute. Don’t let time just pass your retirement by.

Rebecca Sounds Reveille with Dr. Melissa Ridley Elmes


Does history really repeat itself? This episode was very exciting and gives us an opportunity to think about how historical events and practices from all types of cultures affect future events and evolve. One of the areas we can look at is in the area of violence. If we take a look at specific issues from a historical vantage point, we might be able to shift and prevent things from happening. This can hold true in domestic violence, workplace violence, and other types of social violence. Looking back, we can see ahead, which can actually be fun. This is especially true when we look at it where we take a specific topic and apply it to different cultures and see what the potential outcome(s) can be. It’s also fascinating to take current issues, then look back and discover that despite how unique some of them seem to be, there are cultures that have experienced them we can certainly learn from. To gain more insight and enthusiasm on this, you will want to hear what this guest expert has to say.

Guest Expert, Assistant Professor of English and Medieval Literature, Dr. Melissa “Melle” Ridley Elmes, a scholar, interdisciplinary and comparative literary historian and critic, writer of poetry, along with fiction and nonfiction, who specializes in the medieval British Isles and North Atlantic World, with emphasis on Old and Middle English alongside Anglo-Norman, Welsh, and Old Norse/Icelandic literature and culture has much to share on this episode.

She also has interests with research engaged in Arthurian legend; Chaucer; Robin Hood/outlawry; women’s and gender studies, particularly women’s literate practices and women and violence; alchemy, magic, and esoterica; monsters and the supernatural; literature and the law; genre studies and medieval English, Anglo-Norman, Welsh, and Icelandic poetic forms; mythology and folklore; ecocritical and animal studies; manuscript studies and history of the book, philology, and history of the English language.

Melissa is author of Arthurian Things: A Collection of Poems that published in February 2020 by Dark Myth Publications, along with a number of additional scholarly literary works (see the link to additional works below). She has several upcoming research projects on the horizon and has a vast array of knowledge and experience that has led to exemplary work. For example, she served at the Avalon domestic violence shelter, with 80 hours of training, working as a volunteer for the shelter on the hotline. She mentioned during this episode, “I think that really started my interest in thinking through questions of trauma, in questions of violence, and intersections of trauma violence, class, race, gender. I do a lot of work with that in my teaching, especially in my composition courses, but I do a lot of it in my Lit classes too.”

Melissa has been monumental in uncovering current issues that need address based on findings from her research. “It’s a field that over the past 20 or so years, I’d say medieval feminist scholarship has been conducted, and much more recently, there’s been a real push, an important push, for it to be intersectional and inclusive and we’re uncovering things that have been hiding in plain sight for 1,500 years. It’s dynamic and it’s exciting! It’s causing some waves. It’s causing some problems.” This is an exciting episode that will draw you in on many levels and allow you to gain a new perspective on how you look at and maybe even conquer new challenges.

Rebecca Sounds Reveille with TG Watkins


Is trading marbles like trading stocks? Many adults can look back and think of things they traded in grade schools with their peers. For some, it may have been marbles and for others maybe Hello Kitty items. When trading, kids could see the value in one item and would have to figure out what they need to do to get it with the items they had on hand. What happened when we became adults? Some went into trading stocks and others maybe didn’t understand them and the fun was lost.

Guest, Director of Stocks at Simpler Trading, TG Watkins, who has an Engineering degree, set earned his Series 6 and 63 licenses and started his career as a financial advisor with New York Life with vigor and passion. It was there his knowledge about the financial industry really exploded. TG uses his custom-designed Moxie Indicator as the backbone for trading and understanding the movements of the market. The easy to read Moxie indicator, combined with 2 primary moving averages, gives you the structure needed to make sense of the market, along with, multiple time frames making sure that tunnel vision doesn’t set in.

During this episode, TG shared how, at 12 years old, he developed an interest in this area and how you too could get involved which can let to a sound financial foundation. He said, “How you can learn if you don’t already know. How to make this better and how it can equip you to get your finances in a position where it will put you not only with a good foundation but will give you a really great cushion. If you already have that good foundation…”

He also wanted to make people comfortable with getting into trading and talked about it this way: “…to explore and make those mistakes. You know, fall off the bike a little bit. You’re gonna push the wrong button. There’s go up when it should be going down. You need to make sure that you have that safety net of basically no money so you can learn this and then once you’ve practiced this a little bit, once you start to catch on to this, you can realize that, ‘Okay, I’m getting this. I see these patterns.’ This starts making sense and you’ve done this all without losing any money. Once you’ve proven to yourself that you can make these setups and you see it over and over and over, then you can start applying some money to it. So, an account, like you said, if you have five hundred dollars, maybe a little less, you could just go out there and buy one share. You know kind of get your toes a little bit wet because you don’t want to throw five hundred dollars all in your first trade. If that’s your entire account size that’s very risky and you’d risk all of your entire account. So, maybe buy one share. Maybe buy two shares. It depends on the cost of the share and how much you have in your account and then go into the penny stocks. Just because they’re cheap and maybe you can pick up 200 shares.”

Whether you are just interested in getting that grade school trading feeling back, want to know more about how to trade, who to have help you learn about trading, or getting you more from where you are at, this episode gives insight in the why, what, how, and who to get you there. Get ready to go to the track. The trade track!