E63 - Your Guide to Homeowners Insurance with Rich Sabatowski
47m
·
Expert(ish) Podcast
·
Insurance is often the most overlooked and undervalued aspect of home ownership. However, this is a type of coverage that pays for the repairs or replacement cost to your home in case it experiences any damage or covers you if someone gets injured on your property. It provides a safety net that can help protect you against everything from material damages to liability claims.
Most people who own a property may know that there are different types of coverage available, but they don't know how to figure out which is best for them. Whether you own a home or are planning to buy one, how do you find the best insurance coverage for your needs, at the best possible price?
In today’s episode of the Expert(ish) Podcast, Jay talks with Rich Sabatowski, Owner and Insurance Agent at Beach Break Insurance Agency, about homeowners insurance, why it is important, and how it covers residential and commercial properties.
Rich started his career in hospitality working his way up from washing dishes, bussing tables, serving and bartending to General Manager of some amazing restaurants. With a passion for helping people protect what they have worked so hard for, Rich and his family moved to San Diego and began laying the groundwork for the Beach Break Insurance Agency. As an independent agency, they do what is best for their clients, providing them the coverage that best fits their needs, at the best possible rates.
Enjoy!
If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.
Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.
In This Episode
1:51 - Rich's journey to establishing his own insurance company
8:25 - How Rich served his clients outside his area of expertise
11: 59 - The beauty of owning two to four residential units when it comes to insurance
12:57 - Property insurance for fourplexes
18:44 - Liability protection in the main policy
21:02 - Other ways landlords and investors can protect themselves
23:02 - Why umbrella insurance is beneficial
30:43 - How maintenance and insurance differ for homeowners
39:29 - Why insurance checkups are important
Favorite Quotes
00:02 - "If your investors decide that they're going to allow animals or pets, and that pet bites somebody when they're on a dog walk, that's a big deal. So again, you just want to make sure that as an investor, you're doing everything you can to make sure that you're protected. And one of those important things is to make sure that your tenants have renters insurance." - Rich Sabatowski
2:34 - "I fell in love with the idea of being able to help people protect what they work so hard to earn. It feels really good when you're able to help someone when things don't go as expected." - Rich Sabatowski
12:18 - "The beauty about the duplex, triplex, or fourplex is that they can still be written on a personal alliance policy versus commercial alliance policy. And most insurance companies have a limit on how many units overall one person can own." - Rich Sabatowski
35:32 - "As an investor, you want to make sure that you're providing a safe place for people to live, not for financial reasons or the interest. It's the right thing to do." - Rich Sabatowski
41:47 - "We have two goals. We want to make sure that your rates are reasonable, competitive, and as low as we can pass them, we get them. But we also want to make sure that your coverage is appropriate for what you're doing." - Rich Sabatowski
Engage with Rich Sabatowski
Phone: 619-567-7227
Beach Break Insurance Agency
Connect with Expert(ish) Podcast Host JAY JOHNSON
Call (858) 925- 4536
Website
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E68 - Clarity is the Key to Long-Term Success: Guest Zach Morrow
There's an old saying that goes, "the clearer you are, the more certain you become." This is definitely true when it comes to business. When you are clear about your goals and what you want to achieve, it becomes a lot easier to take the necessary steps to get there, develop a plan of action, and track your progress along the way. Setting goals is important for any individual or organization, but making sure those goals are clear and concise is essential for long-term success.
In today’s episode of the Expert(ish) Podcast, our guest Zach Morrow talks about what motivated him to become an entrepreneur, why clarity is the key to long-term success, and what role he plays in the investment management industry.
Zach Morrow is the VP of Investor Relations at Boron Capital, an investment management firm that runs hedge funds strategically investing into self-storage complexes, mobile home communities, and cryptocurrency. His role involves connecting accredited investors to strong, stable, high-cash flow investments through strategic partnerships, commercial real estate, and private investments.
Enjoy!
If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.
Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.
In This Episode
01:28 - Backstory of Zach Morrow
03:34 - What motivated him to become an entrepreneur
08:51 - How Zach's business skills have evolved over time
12:46 - His advice for veterans interested in launching their own business
15:27 - Why clarity is the key to long-term success
25:33 - Zach's strategies for growing a business
31:54 - Zach's role in the investment management industry
35:49 - How investing in self-storage complexes works
39:12 - Locations where storage investments are expected to grow
Favorite Quotes
37:28 - "Obviously, we're very much in an inflationary environment and quality assets really stand to gain from that. So, having your money working inside of good assets, not only allows you for good appreciation but you've got continued, great rent operations and the demand for storage has not been shrinking at all. The millennial generation is now becoming the largest users of storage more so than we've seen in the past." - Zach Morrow
04:24 - "I wanted to find a way to transition out of the corps and be able to provide the life for my family that I felt was right for us. And for us, that was me finding a way to not only have the financial freedom, but the time freedom to be able to spend with them and to be present."- Zach Morrow
10:13 - "There's always going to be new levels of growth and opportunity. And I think that the more we can recognize where we're at and process where we're trying to get to, we can reverse engineer the skills that we need and the resources that we need." - Zach Morrow
10:49 - "There's going to be two things that you can give and it's either your time and your experience or your money. And both of those can earn you the opportunity." - Zach Morrow
15:54 - "One of the most difficult things about transitioning out is, in most cases, you're going to lose the clarity and now you're going to become responsible for it. And a lot of times we haven't been trained to do that. So, that's a really difficult thing to do. Finding a way to regiment your time to create clarity for yourself is critical for your term success." - Zach Morrow
17:37 - "Once you know what your target is, you can get really clear on the next step. But if you're always focusing on the thing that's so far away, you're never going to hit the target. So, if we just put these things out there, it becomes extremely difficult to hit the target, unless you can set it up and then reign it back in and focus on that next thing right in front of you." - Zach Morrow
27:44 - "Your job shouldn't be to be the expert at everything. It should be how to find experts at everything. It's not always like, how do I do something, it's who do I need. That's the question we ask more often because 'how' requires me to completely transform who I am and then I'm starting from zero where I can potentially just partner with somebody or bring somebody on or create a relationship. " - Zach Morrow
Engage with Zach Morrow
Text the word INFO to 877 771 0615
Connect with Expert(ish) Podcast Host JAY JOHNSON
Call (858) 925- 4536
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E67 - How to Get Fit Amidst the Chaos of Everyday Life
Juggling a career, running a business, maintaining healthy relationships, and staying fit can be tough. It seems like there are never enough hours in the day to get everything done. Getting into your best shape amidst all the chaos of everyday life can be difficult, but not impossible. Having a trainer who knows what they're doing, understands what you want, and provides support and motivation throughout your journey is key to achieving your fitness goals.
In today’s episode of the Expert(ish) Podcast, our guest, Chris Keith talks about how he made the transition from military service to fitness training, the biggest mistakes he made in his fitness career, and why he wants to be a connector.
Chris Keith is San Diego's most effective, motivational, and inspiring personal trainer. He is also the most knowledgeable, experienced, and compassionate 1-on-1 personal trainer for weight loss, strength building, and post physical therapy. Chris was voted Best Personal Trainer in San Diego by numerous publications and continues to be a local fitness celebrity and advisor to the local media on health and fitness related issues.
Enjoy!
If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.
Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.
In This Episode
03:16 - Backstory of Chris Keith
06:54 - What motivated him to become an entrepreneur
13:53 - How he made the transition from military service to fitness training
18:05 - How Chris found the right business model for his fitness program
24:05 - One of the biggest mistakes he made in his fitness career
28:27 - What makes Chris want to be a connector
33:03 - How hard work presents opportunities
50:51 - The challenge of finding the balance between career, business, family, and fitness and how to overcome them
Favorite Quotes
12:06 - "Once you realize, in life you know that a lot of times there's some good that comes from bad things. You know, when bad things happen, you have a different approach to it. It doesn't affect you as much. I would say that my strength is getting people out of the victim-poor me mindset and getting them more into the conquer can-do mindset that's needed for a lot of aspects of life." - Chris Keith
36:42 - "I just learned over the years that buy when you're able. If you're worried because the prices are high, well the prices are high but the interest rates are low. The interest rates are going to go up and then the prices may soften a little bit. But buy when you can. Just buy something and get into the market because you're able to parlay that into your next place and into another." - Chris Keith
53:22 - "I think at this point for me, I see people start making these obstacles in their head with fitness, health, and exercise. I think just committing, just doing it, showing up is like half the battle." - Chris Keith
Connect with Chris Keith
Chris Keith - San Diego Personal Trainer
Connect with Expert(ish) Podcast Host JAY JOHNSON
Call (858) 925- 4536
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E66 - Easing the Transition: Growth is Uncomfortable
The military is a unique institution that teaches discipline, teamwork, and decision making, as well as other skills that can be applied to civilian life. When leaving the military, it can be difficult to adjust to civilian life. Despite these difficulties, military service members can successfully transition into the civilian world by having the right tools and a positive mindset.
In today’s episode of the Expert(ish) podcast, our guest, Greg Amorelli talks about the lessons he learned in the military and how he applied them to the civilian world, why it's better to make a bad decision than not to make one at all, and how growth comes from expanding past your comfort zone.
Greg Amorelli is the Director of Health and Fitness Programs at Downtown Athletic Club, Strength and Conditioning Specialist at O2X Human Performance, and an Infantry Platoon Leader at Army National Guard. Additionally, Greg is a professional Health and Human Performance Coach who specializes in tactical strength and conditioning, running, swimming, and healthy lifestyle interventions for all populations and ability levels. He helps to develop and manage the mental, physical, and nutritional standards of individuals, small units, and teams to expand functional capabilities, improve overall health, and optimize personal performance.
Enjoy!
If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.
Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.
In This Episode
01:40 - Backstory of Greg Amorelli
13:24 - Why knowing your goals is important when making decisions
19:20 - What Greg realized about the quote: “Jack of all trades. Master of none. But oftentimes better than a master of one”.
23:59 - Military lessons Greg has applied in the civilian world
31:00 - Why it's better to make a wrong decision than not to make one at all
38:13 - The elements and pieces of developing a positive mindset
43:35 - How growth comes from expanding past your comfort zone
55:07 - How the lessons learned in the military can help you succeed in civilian life
Favorite Quotes
45:24 - "Majority of successful people out there are successful because they've made more mistakes than the next person. And I, a hundred percent believe that because I found that the more mistakes I've made, the faster I've made them, the better I've become." - Greg Amorelli
08:08 - "I think the majority of us, military or post-military, are people who have a mindset where we have to keep going, keep pushing forward. And I think there are goods and bads for that. Any success that I've developed right now is because I do have that mentality." - Greg Amorelli
13:24 - "When you start something out, there's a big difference between understanding where you want to be and where you can be." - Greg Amorelli
21:56 - "The concept of pulling from all these different locations, you don't have to do it all yourself. But if you know, just enough, to know how you utilize that asset, how you utilize that resource, how you utilize that employer and that coworker to the point where they can succeed in what they do best, which will make you succeed, then to me, that's the win." - Greg Amorelli
31:09 - "Make the best decision you can with the information you have and be good with it. The most dangerous thing you can do in the military is not make a decision. It's almost always a lot of cases and in a lot of situations, it's better to make the wrong decision than no decision." - Greg Amorelli
Engage with Greg Amorelli
Connect with Expert(ish) Podcast Host JAY JOHNSON
Call (858) 925- 4536
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E65 - How To Manage Your Money While Active Duty
Military to civilian transition is a challenge in itself. Finding a career and managing finances further complicate the process. Financial literacy is critical for anyone, but it is especially important for veterans who may be used to a certain lifestyle and need to adjust to civilian salaries. In what ways can veterans overcome these challenges and successfully transition into a new chapter of their lives?
In today’s episode of the Expert(ish) Podcast, our guest, Lacey Langford talks about what motivates her to help veterans and active-duty military service members with their finances, why financial education is important when transitioning out of the military, and why MilMoneyCon is a conference not to be missed.
Lacey Langford is a U.S. Air Force veteran, military spouse, speaker, and a financial coach who changes people’s lives from being fearful of money to having control and confidence with it. She is the Founder of The Military Money Expert, which specializes in financial coaching for the U.S. service members and their families. Lacey is also the creator and host of The Military Money Show, the podcast that helps U.S. Service Members, Veterans, and their spouses make, save, invest and spend money wisely.
Also, if you are interested in the financial careers or if you have a service that could be helpful to financial professionals from the military community, don’t forget to sign up to the MilMoneyCon, a national conference focused on bringing together military and financial professionals.
Enjoy!
If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.
Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.
In This Episode
02:48 - The impact of transitioning from military to civilian life on personal identity
08:22 - What drives Lacey to help and educate veterans and active-duty personnel in the financial area
15:41 - What Lacey wished she had done in her younger years regarding investing
17:19 - Why finding the right people for a job is important for any business
19:34 - MilMoneyCon: Why it's a conference to be looked forward to
31:04 - The shocking truth about how taxes work outside of the military
37:31 - How Lacey put things together to run a conference
Favorite Quotes
10:40 - "So thinking about having a financial cushion a little bit more so as a military family or a service member I think is really important so that you can not only be prepared for obstacles or challenges that come but also opportunity." - Lacey Langford
03:02 - "I don't think a lot of people realize getting out of the military that some you might struggle with. Not only for the service member but even as a military spouse that becomes part of your identity, that you are a military spouse. So, it's an adjustment." - Lacey Langford
16:32 - "I completely agree with you (Jay) about education because if you don't know it (investing), you're scared of it, the fear of the unknown. But once you get a little bit of knowledge, it's the power to take action and to get more comfortable with it." - Lacey Langford
21:05 - "MilMoneyCon is an opportunity for everybody to come together, to connect into a network, to help with, and build careers which I feel very passionate about. If you are a service member, getting out and wanting to join that profession, this will be a community where people can lift you up and get you where you need to be a lot quicker." - Lacey Langford
Engage with Lacey Langford
MilMoneyCon
The Military Money Expert Website
Connect with Expert(ish) Podcast Host JAY JOHNSON
Call (858) 925- 4536
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E65 - Determining Your Purpose
When it comes to finding success in life, knowing your why is essential. Why do you do the things you do? What is your purpose? Too often, people go through the motions without taking the time to figure out what matters most to them. Without knowing your why, it is easy to get lost along the way. Without a clear sense of purpose, it can be difficult to stay motivated and focused on what is important. In what ways are you able to tap into your inner self to determine your purpose?
In today’s episode of the Expert(ish) Podcast, our guest, Rob Rens talks about what sets him apart from other insurance agents, how he starts his day motivated, as well as his upcoming project in support of veterans.
Rob Rens is a State Farm Insurance agent and the President of Signal Fire Media. He is an experienced insurance and financial services professional serving North Carolina and Georgia. In his role at State Farm, Rob provides valuable information about insurance, the risks that make it necessary, how to protect yourself from those risks, and how to take action to achieve your most important goals.
Enjoy!
If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.
Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.
In This Episode
02:06 - What Rob hopes to see in New Hanover County
08:59 - Why location matters in business and how you can create your own
12:07 - What sets Rob apart from other insurance agents
20:06 - Rob's leadership philosophy
22:43 - How Rob intentionally starts his day
28:56 - Rob's upcoming project in support of veterans
35:31 - What it takes to make a difference in the world
38:33 - Rob's last piece of advice
Favorite Quotes
36:02 - "You have to know your why, like what's your purpose in life. And when you have that, then you can start to see those opportunities and just ask yourself the question, does this align with who I wanna be? And if so, am I willing to work hard enough to make it happen?" - Rob Rens
09:15 - "Location is important. But I do feel very strongly that you can make your own cool location. And if you market it appropriately, you have a quality service, you've got really good people that share the mission and vision of your company, and a culture is created around that, you can put something awesome in any neighborhood." - Rob Rens
13:51 - "A business is nothing without people. And that's people to run it and that's people to buy your product and service. So, if you are agile and you're able to adjust to how different generational cohorts interact with brands, purchase products, and what their expectations are after they've made that purchase, I think that's the best way to stay ahead of those trends." - Rob Rens
20:07 - "I just connect with people and I use love, empathy, and mutual respect to get things done more efficiently. And at the end of the day, it's probably better because you're gonna have people who are going to stick with you long term and run through brick walls for you." - Rob Rens
36:17 - "Overnight success, we use that term so flippantly in our society. Nobody sees the sleepless nights for years to become an overnight success. All of a sudden you blip on someone's radar, but they didn't see everything you put into it ahead of time. And that's really where the difference lies." - Rob Rens
39:26 - "If you're really feeling down because things aren't quite going your way, just start calling people. When you make that breakthrough, whether it's a sale, a new connection, a new venture, or something like that, the brain just starts firing in all cylinders. And all of a sudden, you're motivated again, you're happy again and you can carry that momentum out." - Rob Rens
Engage with Rob Rens
Connect with Expert(ish) Podcast Host JAY JOHNSON
Call (858) 925- 4536
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