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Steven A. Lippman LUTCF, MBA Founder of Lippman Insurance Group, Interviewed on the Influential Entrepreneurs Podcast Discussing Long-Term Care

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Steven A. Lippman LUTCF, MBA Founder of Lippman Insurance Group, Interviewed on the Influential Entrepreneurs Podcast Discussing Long-Term Care

Published on December 27, 2022

Steven Lippman discusses avoiding paying out of pocket for long-term care expenses. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-steven-a-lippman-lutcf-mba-founder-of-lippman-insurance-group-discussing-long-term-care/

Steven explained: “One of the most important steps in avoiding out-of-pocket long-term care expenses is to purchase long-term care insurance. It’s a good idea to shop around for different policies and compare coverage, benefits, and costs so people can find one that fits their needs. Long-term care insurance is usually purchased through an employer or private insurer. It can help cover the cost of skilled nursing services, personal care assistance, home health aides, adult day care, and respite services.”

Other options are available for those who don’t have access to long-term care insurance. Medicaid provides benefits in some cases to those who qualify financially. Medicaid also provides coverage for nursing home stays if needed and home health care with certain restrictions in place. In addition, some states offer programs that help pay for long-term care services.

If someone cannot receive financial assistance through Medicaid or a state program, there are alternatives for paying for long-term care expenses. One is to set up a trust fund that can be used to cover the costs of any necessary services and supplies. Another option is to use personal savings or investments to pay out of pocket for long-term care expenses. It’s important to plan ahead and make sure to have enough saved up in case of an emergency.

No matter which routes people choose, it’s always a good idea to talk with an expert about their options so they can make an informed decision. Proper planning and preparation can reduce the risk of paying out-of-pocket for long-term care expenses.

Christopher Bachman, from Boca Raton, FL says: “In 2008, we had the great fortune of meeting Steve and began to benefit from his services. Steve’s calm, analytical manner of looking at an insurance or financial plan and his ability to seek out what are the true needs and hopes of his client, have proven to be outstanding. Steve has helped us improve our insurance portfolio covering: life, long term care, annuities, Medicare supplements and health. We now contact Steve with all of our insurance needs and have grown to trust him and his recommendations more than any other insurance provider we have ever had.”

Norma H. Engelhardt from Palm Beach Gardens, Fl says: “We have been clients of Steve Lippman since 1990. We have bought life insurance, annuities, Medicare supplements, and long term care policies from him, but the best thing he has done for us was to guide us as we moved our IRA account into an equity-indexed annuity. When the market crashed, we were protected. Our friends who were still invested fully in the stock market were jealous. Thank you, Steve!! You are a true professional and a trusted advisor.”

 

About Steven A. Lippman

Lippman Insurance Group, LLC, is an insurance agency in Boca Raton, FL & Alpharetta, GA headed by Steve Lippman, LUTCF, MBA. Steven has over 30 years of experience with various types of insurance for both individuals and businesses, securing families and business owners and their assets. He also works with local estate attorneys and CPA’s to provide a range of sophisticated services to clients.

After growing up in New Jersey, Steve earned a B.A. in Economics from Vanderbilt University and an MBA in Marketing Research from Cornell University. An avid fitness, music, and sports enthusiast, Steven has been a devoted coach of local youth soccer, baseball, and hockey leagues.

Contact them and receive a free analysis of your situation and a proposal from one of the dozens and dozens of fine insurance companies they represent.

It’s time to address the potential financial catastrophe that will occur if you ever need to pay out of pocket for home health care or facility care!

Learn More: https://lippmaninsurancegroup.com/

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Joe Massey, Senior Loan Officer at Castle & Cooke Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

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Joe Massey, Senior Loan Officer at Castle & Cooke Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

Published on January 31, 2023

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-joe-massey-senior-loan-officer-at-castle-cooke-mortgage/#

Joe Massey discusses the top misconceptions about the mortgage and real estate market.

  1. Misconception #1: A low credit score will automatically disqualify people from getting a mortgage. While it’s true that having a poor credit score can make it harder to get approved for a loan, this isn’t always the case. Every lender has different criteria when evaluating potential borrowers, and in some cases, they may take other factors into account, such as income or job stability, when making a decision. It is possible to get approved for a mortgage with bad credit.
  2. Misconception #2: Real estate investing only requires money. Although capital is important for any real estate venture, many additional skills and knowledge are necessary for success as an investor. From understanding, local markets to knowing how to negotiate and close deals, investing in real estate is much more than just a financial transaction. Those who want to be successful in the field need the right combination of resources and knowledge.
  3. Misconception #3: A mortgage broker doesn’t work for people. Mortgage brokers are there to help guide borrowers through finding the best loan for their needs. They are working on their client’s behalf, helping to ensure they get the best possible deal regarding securing financing.
  4. Misconception #4: The housing market is too unpredictable to invest in. While it’s true that the market can change quickly, there are strategies and methods investors can use to protect themselves against changes in the market. Things like diversification and taking advantage of tax benefits are just two ways savvy investors can safeguard their investments from fluctuations in the market. With proper planning, investing in real estate can still be a profitable and secure endeavor.
  5. Misconception #5: People need a 20% down payment to buy a home. While it is true that some lenders will only approve mortgages with at least 20% down, this isn’t always the case. Plenty of mortgage programs allow borrowers to put less than 20% down when buying a home, including government-backed loans such as FHA or VA loans. People need to do their research, and they may be able to find an option that works for them even if they don’t have a large amount saved up for a down payment.

Joe explained: “There are many misconceptions about mortgages and real estate investments today. It’s important to research and ensure you have the facts before making any decisions. With education and knowledge, you can become a confident investor or homeowner.”

 

Client Myranda Valdez says: “I highly recommend Joe Massey. He helped make our mortgage process run smoothly and answered all of our questions in a timely manner.”

 Client Sarah R. says: “Joe and his team were incredibly thorough and helpful. Joe and our realtor communicated consistently and he and his team did a lot to help us get our house, worked with us on schedules and touched base often to make sure everything was going well. I’m so grateful we worked with Joe and his team!”

 

 About Joe Massey

Joe is a graduate of the Colorado School of Mines with a degree in Economics and Business. Joe has been a lender since 2002; was named as a “Million Dollar Loan Officer” in 2007 and recognized by 5280 Magazine as a Five Star Mortgage Professional since 2012. Joe has been recognized as a top 500 loan originator nationwide by National Mortgage News and Scotsman Guide, most recently being recognized as the #64 top nationwide loan originator for 2021. National Mortgage News has ranked him in the top 1% of all originators nationwide since 2015. Prior to working with residential mortgages, Joe was a commercial lender, underwriter and financial analyst which prepared him for his mortgage career and taught him the specifics of how to get loans approved and how to find the best terms for the customer.

Joe now works as a Senior Loan Officer for Castle & Cooke Mortgage, a Billion Dollar mortgage lender based in Salt Lake City, Utah. In addition to his Loan Officer responsibilities, Joe manages several offices for Castle & Cooke Mortgage, including the Denver branch, which has been a leading office for the past 10 years and remains a top office for 2022 YTD. In partnership with Your Castle Real Estate, First Alliance Title, Pine Financial and other real estate companies in Denver, Joe has closed hundreds of loans for both experienced and first-time homebuyers as well as numerous property investors. Joe continues to contribute to the real estate and mortgage community with his monthly presentations on financing options and continuing education.

Learn more:

https://www.linkedin.com/in/jmasseylending/

https://www.loansbyjoemassey.com

NMLS #220170

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Energy Healer Fran Bailey Launches New Website to Share Her Vast Healing Knowledge

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Energy Healer Fran Bailey Launches New Website to Share Her Vast Healing Knowledge

Published on January 31, 2023

Fran Bailey, founder of The SHEVA Method and author of EMERGENCE: Reveal Your Essence has launched a new website especially created for 2023. The new site offers practitioners and clients the best energy medicine opportunities today.

Leading energy healer Fran Bailey has announced the launch of her new website, offering updated services especially created for 2023 plus Integration mentoring to help people live their best lives. Bailey, a renowned expert in energy medicine and the founder of The SHEVA Method, is excited to share her extensive knowledge and experience to help people benefit from the powerful healing potential of energy medicine.

Bailey’s new website is designed to provide online learning opportunities plus one on one resources for those interested in exploring the world of energy medicine. With a new focus on Mentoring, the site offers personalized support and guidance to help individuals understand and integrate energy medicine into their daily lives. The website offers a range of updated services that are specifically tailored for 2023, including virtual workshops, personalized healing sessions, and group mentoring.

As a seasoned practitioner with 20 years of experience, Bailey is passionate about helping people tap into their inner power to achieve their health and wellness goals. She has been widely recognized for her ability to facilitate healing and transformation through energy medicine and is widely considered a thought leader in the field.

Bailey’s new website offers a wealth of information and resources for those seeking to deepen their understanding of self-healing. From educational articles and videos to online workshops and events, the site provides a wealth of opportunities for client’s empowerment, health, growth and exploration.

“I am so excited to launch this new website and share my knowledge and experience with a wider audience,” said Bailey. “The SHEVA Method has the potential to change lives, and I am passionate about helping people tap into this powerful healing modality. Whether you’re just starting out or you’re a seasoned practitioner, there is something for everyone on my site.”

Bailey’s new website is designed to help individuals take their healing journey to the next level. Whether you’re looking to deepen your knowledge, find better all-around health, body mind and spirit support, or connect with other like-minded individuals, the site is your go-to resource for all things energy medicine.

To learn more about Fran Bailey and her new website, visit franbaileyhealer.com.

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Gavin Ekstrom, Senior Vice President of CrossCountry Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

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Gavin Ekstrom, Senior Vice President of CrossCountry Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

Published on January 31, 2023

Gavin Ekstrom discusses why Mentorship is essential for building a mortgage team. 

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-gavin-ekstrom-senior-vice-president-of-crosscountry-mortgage/

Gavin says: “Mentorship provides an invaluable opportunity to build a strong mortgage team. A mentor is someone with extensive experience and knowledge in the field who can share their expertise and offer advice and support to less experienced individuals. Mentors can help develop employees’ skills, guide best practices, assist with problem-solving, and foster collaboration among team members. Having a mentor on board gives employees access to experienced professionals who understand the industry inside out.”

Furthermore, Mentorship helps build relationships within the mortgage team by providing a forum for open communication and dialogue. It also helps build trust among team members, which is essential for any successful business. Through one-on-one conversations and formal meetings led by the mentor, team members can gain greater insight into each other’s strengths and weaknesses and how to work together more effectively.

Mentorship can be beneficial to both the mentor and the mentee. For the mentor, Mentorship allows them to give back to their industry by helping young professionals grow and become better at their job. Mentees benefit from having a trusted advisor who they can turn to for support and guidance as they navigate their career journey.

Overall, Mentorship is an invaluable tool for building a solid mortgage team that works together successfully and achieves success in the competitive marketplace.

By creating an environment where mentors provide guidance and support, teams can gain a deeper understanding of each other’s strengths and weaknesses while building trust and relationships. This, in turn, can create a more efficient and effective mortgage team, which will help drive success in the long run.

Client Kristen Goldner says: “Gavin and his team are amazing to work with. You won’t find better customer service – they are the best at communication and working with your unique situation. Highly recommend!”.

 Client Amanda L. says: “It’s all about service with Team Gavin! From start to finish our home-buying process was smooth and easy. We highly recommend Team Gavin, and will definitely use them for our future home-buying needs!”

 

 About Gavin Ekstrom

Gavin and his team are some of the top producers in the area, having closed 667 units in 2021, with more than $235 million in funding. Gavin’s approach to lending starts with the customer first. The team’s top priority is to understand a client’s goals so that they can offer a home loan that is right for the individual. Our biggest goal is to ensure clients are 100% satisfied through each process step.

Gavin has worked in the mortgage industry since 1993, providing countless hours of assistance and guidance to homebuyers. Whether buying, refinancing or renovating, Gavin is ready to give you the outstanding home loan experience you deserve. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. Gavin and his team offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual, and our recommendations will respect your unique circumstances!

Communication is critical, and sharing information is as important as listening. We will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. Our promise to you is that we will be with you every step, from application to closing and beyond.

Urgency is a core value of Gavin and his team. Gavin will be able to provide you with quick and prompt service, with options to close loans in as little as 10 days.*

Learn more:

https://www.linkedin.com/in/gavinekstrom

https://www.gavinekstromccm.com/

NMLS #220170

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