100,000,000 Americans have a car loan and more than 20% of car owners are overpaying on their auto loan rate. In 2019, more than 47% of all funded mortgage applications were refinancings. Meanwhile, barely 5% of all funded auto loans were refinances.

On the one hand, Americans simply don’t know that they can refinance their auto loans and save thousands of dollars.

On the other hand, the process of refinancing your car loan with any of the companies below is far from fast and easy: the process is usually inconvenient, requires a handful of phone calls and emails and you only find out what your total savings are once you’ve gone through the cumbersome process.

WithClutch.com is a fully digital platform that lets car owners like you refinance their vehicle loan from the comfort of their own home and 100% online. No need to set a foot in a bank or credit union. You can lower your rate or get cash in as little as 20 seconds.

I used to play Golf on the German National Team before I moved to the US in 2011. I co-founded a company called Carlypso after graduating from Stanford Business School in 2013. We went through YCombinator (same startup accelerator as AirBnb, DoorDash, Stripe, Reddit etc) in 2014, raised a total of $10M in venture funding by 2015 and sold the business to Carvana.com in 2017.

We joined Carvana pre-IPO, went public at a $2.5bn valuation and are now worth $40bn. Carvana is the most valuable used car retailer in the U.S.

While at Carvana, I did a bunch of real estate investing.

My co-founder and I stayed with Carvana for 3 years and left in June 2020 to start a digital auto loan refinancing platform. Our new business is all around helping Americans with challenged credit and doing our part to address income inequality.

This is me giving a Ted-like talk at Stanford including about my time as a Golf player on the German National Team:

https://www.youtube.com/watch?v=XqLhZ51zybQ

Hello dear,

This is Dr. Lilly Koutcho. I am a pharmacist and the author of several books. I have reviewed your show archives, and I believe that I would be a great guest for your audience.

I was living a normal, ordinary life, working in a small town in Midwest United States as a hospital pharmacist and just trying to get by and do my best in life, but something happened that completely changed my life forever.

Indeed, one day, I started receiving messages from angelic beings and ascended masters, and my conversation with these beings is surreal, especially for someone like me with a scientific background, who is trained as a biologist and pharmacist. The revelations that I have received are beyond words; these revelations have been put together in my book: The truth about Life.

I believe that it will be very beneficial and even crucial for people to know the truth about life, especially during this difficult time that we are going through right now in the world.

Below is a short blurb about the book so that you can get a feel for the material:

Suppose you could ask God, Jesus, the Buddha, and other heavenly beings any question, and they would answer you. Questions about existence, why you are here; questions about money, sexuality, religion, why some people have disabilities, why some people are homosexual, the fate of the earth, and no question is out of line.

Suppose for a second that Jesus Himself, Archangel Michael, and other heavenly beings came to answer you. No, this is not a dream; although it may seem surreal, it happened to Lilly. This incredible book is a collection of conversations between Lilly and heavenly beings. The answers are undeniably clear, plain, and provided in a simple language that everyone can understand.

The conversations contained in this book will surely change your life and won’t allow you to feel indifferent. If you have been searching for answers, you no longer need to look further because you will find them—in this book “The Truth about Life.” Get ready; surprises may come out …

As a guest on your show, I would propose discussing the following key points:

-What is the truth about life?

-What is the purpose of life?

-Who are we?

-Why do we have diseases?

-How do you explain the health issues of children?

-Why do some people have disabilities?

-What is the truth about nutrition and healthy living?

-What is the fate of the Earth?

-What happens when we die?

-What is the truth about Dr. Martin Luther King Jr.?

-What is the truth about Jesus?

-Why are some people poor, and how can we create abundance?

-How do we create our realities?

-Is seems like you had been really sick at some point in your life, had several diseases, and were taking 17 pills daily, but you have successfully succeeded in healing yourself, and today you are disease-free and completely healthy. Can you explain how you did this?

-How do you communicate with these angelic and heavenly beings? Who are these heavenly beings?  

-What is the truth about the voice in our head (the ego)?

-What is the truth about religion?

Proposed Topics:

The truth about Life: revelations never told before in the history of humanity

NB:

I have several previous experiences as a radio show guest, and I can assure you that our time together will be well spent and focused on delivering value to your audience. I would also be happy to provide you with more sample interview questions and answers and a complimentary copy of my book at your request.

Thank you very much for your consideration. I look forward to hearing from you.

Blessings,

Dr. Lilly Koutcho, Pharm. D.

Dr. Lilly Koutcho is an internationally renowned author and speaker, whose healing techniques, affirmations, and positive thinking have inspired countless of people worldwide.

Using a combination of neuroscience, pharmaceutical knowledge, energy medicine, and spiritual principles, Dr. Lilly has developed many methods that help people heal in minutes.

Dr. Koutcho’s healing techniques have helped countless of people around the world to create wellness in the bodies and minds, as well as more abundance in their lives.

Dr. Koutcho’s healing message has been the subject of many radio shows, TV shows, and magazine articles.

Dr. Koutcho holds a master’s in neuroscience, a master’s in Business Administration (MBA), and a doctorate in pharmacy. She is the author of several books and the founder of the nonprofit organization Light & Love for Africa. 

Allen David Reed

American-born Allen David Reed is a true polymath. He was a pioneer in the field of virtual reality in Silicon Valley; has worked as an architect, builder, urban planner and environmental landscape designer; has extensive training in applied and quantum physics and all branches of science; is a historian, political analyst and philosopher deeply schooled and studied in divination science and the esoteric Gnostic arts; and is also a master dowser and shamanic intuitive.  He has a genius for pattern recognition, problem solving and for seeing truths that others don't see.

Allen has had a lifelong quest to integrate civilization and nature. This led him to half a century of deep study in the ancient mysteries, modern sciences and a profound analysis of everything that is unfolding politically on this planet.  Finally, after over fifty years of dedication and commitment, in discovering the Ten Terrains of Consciousness, Allen has resolved the seeming paradoxes in our world that he has been curious about since he was a child.  This profound Model has finally given Allen a simple, elegant and clear methodology to explain what is driving everything that is happening on our planet.

Allen is eternally grateful for having been given the honor to share the Ten Terrains of Consciousness with the world.  He hopes that this Model will assist people around the world to experience our natural birthright, which is to live a fully Sovereign life, living healthfully and prosperously.

Tahnee Woolf

Australian Tahnee Woolf is a modern 'Renaissance woman'. She has been a corporate lawyer, Oxford scholar, screenwriter, radio show host, personal development coach, workshop facilitator, Feldenkrais Practitioner, high level writer, inspirational speaker and public speaking mentor. She is a gifted communicator, storyteller and linguist, and is highly skilled at reading human dynamics in all forms. She loves to hold space for deep sharing and growth in others, thrives on laughter and joy, and is a heart opener and inspirational spirit.

Tahnee has always been passionate about understanding the differences between people and has spent much of her time studying what makes people tick — psychologically, emotionally and spiritually. She is immensely grateful for having discovered the Ten Terrains of Consciousness, as she now understands why the people around her see the world so differently from each other and, therefore she is able to communicate with them all effectively with compassion and empathy.

Tahnee has been on her own lifelong journey of personal growth, healing and spiritual awakening. The Ten Terrains Model has helped her greatly to arrive at the place of deep peace, trust and joy that she now inhabits.

Tahnee loves to speak about the Ten Terrains of Consciousness on stage, on video and on radio. She is passionate about sharing this life-changing material with the world! If you get the chance to watch or listen to her, make the most of it - she is very charismatic, entertaining, warm, engaging and profound.

Dear BBS Radio,

Meir Schneider, founder of the School for Self-Healing in San Francisco, California, rehabilitated himself from permanent legal blindness and now sees, reads, writes and has been driving for the past 38 years. 



Born with cataracts, Meir learned eye exercises in his late teens and taught himself how to see. He then went on to help thousands of people significantly improve their vision, heal from degenerative mobility issues, like Muscular Dystrophy. Meir was awarded a PHD in Healing Arts for his work in Muscular Dystrophy.

The Meir Schneider Self Healing Method uses movement, massage and vision improvement therapies, combined with visual imagery and proper breathing techniques to create an effective approach for improving health and function. It is unlike most therapies and helps awakening the body's natural healing abilities.

Meir has adapted his Self Healing Method over the years to help individual client and his exercises are simple, easy to do and can be done in the comfort of your own home. His best selling book is Vision For Life and is now in it's 2nd Edition and translated into many languages. Meir is a globally respected teacher who has taught his workshops and method in over 18 countries. Currently, Meir is now offering online workshops, lectures, and private sessions via phone or Skype.

He is looking forward to meeting you and speaking with your audience!

Meir Schneider (b. 1954) was born in Ukraine and moved with his family to Israel at age 5. Both of his parents were deaf, and Schneider was born with severe vision problems. After undergoing five major unsuccessful eye surgeries, doctors pronounced him permanently legally blind. At the age of 17, he discovered the work of American ophthalmologist William Bates, who devised a method for natural vision correction through various eye exercises. Schneider started training diligently, sometimes up to 13 hours per day, and saw results very quickly. Within 6 months he could recognize objects; within a year and a half, he could already read without glasses. He would eventually improve his vision to the point of being allowed a driver’s license, which he still holds today. Recognizing the need for countless other people to improve their vision naturally, Schneider created his own vision-healing program which is now practiced by millions of people around the world. In addition to vision therapy, Schneider has a PhD for his work on muscular dystrophy. His books are bestsellers and he was listed among the “Top Ten Most Inspirational Israelis”.

We help people retrain their brain so that the are stronger, happier, and more resilient especially during these challenging times

Over a 25 year period, led many companies across multiple industries to meet and exceed goals by focusing on the positive thinking and resiliency of the employees

The Food Healing Oracle Deck™ - Nourishing Wisdom from Mother Earth is a one of a kind oracle deck that shares the deeper meanings of food for mind, body and spirit. We focus on EMPS Wellness which allows the reader to see how foods that we choose to eat affect us Emotionally, Mentally, Physically or Spiritually.

Food is Medicine and Nature has had the answeres all along. The signs and symbols are right in the foods we get from the trees, bushes and plants. Whether one is a tarot or oracle enthusiast or food conscious, The Food Healing Oracle Deck combines all the worlds of five elements, colors, chakras, nutrition, divination and synergizes them into one delicoius and nutritious deck of healing wisdom and practical gifts.

We can promise you that you will never look at food the same way again!

Lainie Sevante’ Wulkan is a fourth generation intuitive.  She has been reading tarot and oracle cards for the last 30+ years is a Certified Reader of other decks and teaches courses on Five element living and the balancing of divine masculine and feminine energies. Lainie is also a Certified Theta Healer and brings this wisdom into her many healing sessions.  She has a worldwide reading clientele and assists her clients into moving into their truer state of empowerment and dharmic destiny.  Lainie also has a lifelong passion for food, receiving her BS in Food Science and Dietetics (1992)  is an Advanced Certified Food Healing Instructor with Jeff Primack’s Supreme Science Food Healing Program, where she became a top scorer for the 300 question exam in her class. She’s been a true “foodie” her whole life and is passionate about whole food eating and the nutritional bounty found in bio available blended smoothies. In college, she read “Diet for a New America” by John Robbins (heir to the Baskin Robbins fotune) and was forever inspired to search out cruelty free ways to eat and live in harmony with animals and the planet. Lainie is also the Host of Zeta Global Radio, an online spiritual and socially conscious radio program listened to in over 60 countries. Many of her guests are top conscious leaders that have included Deepak Chopra, Greg Braden, Dr. Judith Orloff and Dr. Bruce Lipton.  She and her Husband own a conscious professional music recording studio in Southwest Florida and she is the Managing Director of  In2uitive Wisdom, their record label for meditations and sound healing as well as media company for music and film. Her purpose in throughout her endeavors is to move humanity forward in a positive way.

Joanna Salerno is Spiritual Director, Craniosacral Therapist , Vibrational Healer and Intuitive reader, specializing in Akashic Records and Angel Tarot.  Her studies with food began over 40 years ago when she read Adele Davis’ "Lets Eat Right" and Francis Moore Lappe " Diet for a Small Planet" which led her  to a decade of vegetarianism and organic gardening .  Working for an organic food distributer and food co-op, her love of healthy, healing organic food was firmly established. As a teacher of Vibrational sound healing for the past 15 years, her love of fresh organic foods has grown with the knowledge that all foods carry a frequency that when ingested, raises the vibration of the body that stimulates health and well being.  As a healer, she believes that when one person raises their vibration, the planets frequency gets raised as well.  Her sacred mission is to inspire others to commit to a higher vision of what they can be or do, all while healing the planet in the process.