Conversations With Creamer

Benefit of the VA Mortgage – James Walrod NMLS ID# 260324 Veterans United Home Loans James Walrod Residential Mortgage Loan Originator since 2006 is this week’s podcast guest. He shares a story of how a couple had just had a child and was looking to move into a safer and more family friendly neighborhood and wanted to close in 30 days.  However, they had 4 months left on their lease and couldn’t afford to pay a new mortgage payments and their rent. When they found a home they wanted to buy they asked the seller to pay the closing costs and also an additional 4% of the purchase price to be used to help buy them out of their lease.  The seller was motivated and had equity to assist the couple and they were able to close with little money down thanks to the VA mortgage! For more benefits and qualification of getting a VA mortgage contact James Walrod at Veterans United Home Loans. Conversations With Creamer is pleased to partner with companies that offer great services! When you take advantage of the services of any of the shows sponsors or partners you are supporting our show! James Walrod – Veterans United Home Loans Naoma Doriguzzi – Social Media Consulting

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Sam Welty local artist is taking on a huge project at the oceanfront!  He is painting a mural on the block of 19th & Pacific at the Virginia Beach oceanfront called “A Tribute to American Heroes”.  It is being created to acknowledge the sacrifices of the local military personnel and their families.

He is hoping to have completed the week after Memorial Day Weekend.  You can help show your support by going down there and taking a photo of it and sharing!  Make sure to use the hashtag #TributeMural

  

Join Sam Welty on Saturday June 10, 2017 11-12 pm for a special mural dedication where you can write a message on the wall to your lost loved ones.

And then there will be a Sam Welty Wall Crawl afterwards to help raise money to help fund this project!

Facebook: https://www.facebook.com/TributeMural/

Website: http://tributemural.com/

Tribute Mural Progress from Brad Rudacille on Vimeo.

Conversations With Creamer is pleased to partner with companies that offer great services! When you take advantage of the services of any of the shows sponsors or partners you are supporting our show!

James Walrod – Veterans United Home Loans

Naoma Doriguzzi – Social Media Consulting

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Iris Nance Ins Agency Inc – Pet Insurance

Iris Nance has been with Farmers Insurance for over 19 years!  She specializes in mostly auto insurance, homeowners insurance, renters insurance, life insurance, business insurance and offers financial solutions.  But today we are going to learn more about pet insurance.

Iris says the best time to get pet insurance is when they are a puppy.  Pet insurance can cover everything from wellness visits, prescriptions, allergies and even their surgeries.  Prices start as low as $19 a month but it depends on the breed, age, etc…

Contact Iris if you have additional questions on pet insurance or looking for a quote!

Also she wants to remind you that hurricane season starts June 1, and now is a great time to look into getting flood insurance even if you aren’t in a flood zone.  Homeowners insurance doesn’t cover floods  that are caused by a hurricane.

Check out this adorable video on pet insurance

 

Iris Nance:

Website: https://agents.farmers.com/va/virginia-beach/iris-nance

Phone: (757) 578-4737

Email: [email protected]

 

Conversations With Creamer is pleased to partner with companies that offer great services!  When you take advantage of the services of any of the shows sponsors or partners you are supporting our show!

James Walrod – Veterans United Home Loans

Naoma Doriguzzi – Social Media Consulting  

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Estate Sales of Virginia – Cathy Talley

*  How did you get into the Estate Sale Business? For years, going to garage sales was my passion and avocation. It was what I did every Saturday morning from May until November. It became almost an addiction to find that bargain. Hunting for a specific item that was needed for our beach cottage, or sometimes I was asked to find something for a friend, It was an enjoyable hobby. But you had to wade through a lot of junk to find the good things. Then I discovered Estate Sales where companies were selling items that had been inherited or sometimes it was someone downsizing. These items typically were a step up from the stereotypical garage sale items. I would find things like nice all wood furniture, Beautiful hand loomed rugs, unusual lamps, china, crystal and tons of other things. Granted the pricing was a bit higher than a garage sale, but the quality was general better, the sale was inside the individual’s home and you could often tell the items being sold had been “well loved” by their owners. I was hooked from that moment on. More and more as I would go to these sales, I began to think this was something at which I would be good.

* How did you go about opening your business?  Well Like anything else, you have to have a background and a good solid basis of knowledge to be successful in any business. My background in sales and marketing, design, staging and décor (I had owned my own staging business prior this) gave me the basics on which to build the company. I formed a partnership with a longtime friend (Nancy Britton). I came up with the name “Estate Sales of Virginia”, we became licensed, taking all the appropriate legal steps and, started off with a bang. Almost immediately we were hired to do a sale for a retiring couple moving to Florida.

* Who is your typical client?  Our typical client is one that may be moving and downsizing therefore needing to sell most everything in their home OR it is often the executor of an estate after a loved one has passed on. When I get the call from someone that is dealing with the death of a loved one, it is often very difficult for them to talk about getting rid of their things. Sometimes it is a very recent occurrence and emotions are running high. Sometimes the heir lives in another state and they have to choose someone to handle the liquidation by phone. No matter what the circumstances, it is never an easy thing for the one making that call to deal with. Most of the time there are in a quandary of just what to do and how to go about it and are reaching out for help.

* Tell me how Estate Sales of Virginia can help someone in these circumstances?Educating the client on what we do and how we can help them is a large part of our initial contact. Most of our clients are filled with stress and are overwhelmed by the enormity of the task before them. They have either searched online and found us or have been referred by a Realtor or friend. I talk with them to explain we are there for them from the very beginning to the end and handle every aspect of the liquidation for them. We typically meet (if they are local) for a free consultation to see what the estate consists of. We are not able to take on every client that calls for various reasons. One of the big ones is timing. About once a month or so, I will get a panicky call from someone that says their house just sold and they are closing in 2 weeks. So a BIG part of our education is trying to let the public know that timing is essential. Planning ahead is paramount. Most of the time, we are not able to do a sale in two weeks as we are already booked.

* What do you find to be the most challenging when dealing with new clients? As I just mentioned, timing is one of the first things. It can especially become a problem when they are looking to sell the home.

What is the difference between home insurance and a home warranty? 

Homeowners insurance covers the home and your belongings.  It will usually cover living expenses if you can’t live in your home while it is being repaired after an insured disaster.

A home warranty covers the mechanical parts of the home – plumbing, electrical, appliances and HVAC.

A benefit of having a home warranty is the vendors are already vetted and HMS National has over 40,000 network providers to choose from.  This is a great benefit for someone who has just relocated and doesn’t know who to contact for a home repair.

Who qualifies to purchase a home warranty?  If you are selling your home you can purchase one and then have it transferred to the buyer.  Buyers can purchase and it covers the 1st year.  New Construction homes can be covered for 2-4 years.  And any homeowner can purchase a home warranty.  There is also a renewal option if you wish to keep your warranty.

If you have further questions about home warranties or would like a quote contact Amy Holloway (757) 472-5602 or [email protected]

Conversations With Creamer is pleased to partner with companies that offer great services!  When you take advantage of the services of any of the shows sponsors or partners you are supporting our show!

James Walrod – Veterans United Home Loans

Naoma Doriguzzi – Social Media Consulting  

 

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One Knot Boating – On Water Boat Training

 

John Phillips started One Knot Boating to help new boat owners as well as offer more custom training depending on your boating experiences.

If you are in the market to buy a boat you may want to take his Boating 101 course first where he teaches the lesson on their 22′ Center Console Boat.  After their instruction you will no longer fear docking, navigating through uncertain situations, setting a safe operating speed and trim for the conditions, approaching boat wakes properly, or the effects wind current.

FREE DGIF Virginia Safe Boaters Course April 22, 2017 Annapolis Yacht Sales (Virginia Beach location)  As of 2016 all boaters in the state of Virginia are required to complete a boating safety course. One Knot instructors are certified to teach the Department of Game and Inland Fisheries Boating Safety Course.

They are also a Hope Sponsor – for Roc Solid Foundation 2017 Night for the Fight and are offering a silent auction boat training.  This is another great way they are giving back to our community!

You can get more information about One Knot Boat Training :

(757) 483-8858

Facebook: https://www.facebook.com/oneknotboating/

 

Conversations With Creamer is pleased to partner with companies that offer great services! When you take advantage of the services of any of the shows sponsors or partners you are supporting our show!

James Walrod – Veterans United Home Loans

Naoma Doriguzzi – Social Media Consulting

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James Walrod – Senior Loan Officer, NMLS 260324 Veterans United Home Loans 

Things a buyer and seller should know about a real estate appraisal:

There are 3 types of appraisals – VA, FHA, and Conventional depending on the type of mortgage that you are applying for.

The appraiser is looking at safety, security and soundness of the property to determine the value.  They are making sure that the house is livable and functional.  It can be ugly and old but it does have to be move-in ready for the buyer.  All systems should be in working order.

They determine the value by comparing to at least 3 recently sold properties that are similar within 1 mile.

James Walrod with Veterans United Home Loans is also a supporter of this podcast!  Please reach out to him if you have any other questions about mortgages, real estate or appraisals.

Phone (757) 274-3444

Email James Walrod 

564 Lynnhaven Parkway, Ste 200

Virginia Beach, VA 23452

Conversations With Creamer is pleased to partner with companies that offer great services!  When you take advantage of the services of any of the shows sponsors or partners you are supporting our show!

James Walrod – Veterans United Home Loans

Naoma Doriguzzi – Social Media Consulting  

 

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Show notes for Shannon Laymon-Pecoraro with Hook Law Center – What is Elder Law? There are many situations in life where you may need an attorney to represent you.  When deciding to hire an attorney you need to do research to make sure they they are qualified to assist with your specific needs.  Technically, they are licensed and can practice law.  However, because there are so many laws out there, they cannot effectively provide legal services that covers everything.  So, just like doctors they usually specialize in one or a few areas of law. Today’s podcast we spoke with Shannon Laymon-Pecoraro who practices in the areas of elder law, estate and trust administration, estate planning, asset protection planning, financial planning, guardianships and conservatorships since 2012. What is Elder Law?

* Planning for chronic illness

* Special needs planning

* Protect your benefits

* Apply for benefits

* Estate planning

* Guardianship

* Navigating through the estate process

* Long term care planning

* Assets

If you have additional questions for Shannon on Elder Law and the information on this podcast, you can contact her at Hook Law Center.  Their office is located in Virginia Beach. 295 Bendix Road, Suite 170 Virginia Beach, VA 23452-1294 757-399-7506 Email: Shannon Laymon-Pecoraro Conversations With Creamer is pleased to partner with companies that offer great services! When you take advantage of the services of any of the shows sponsors or partners you are supporting our show! James Walrod – Veterans United Home Loans Naoma Doriguzzi – Social Media Consulting

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Show notes for Adam Morgan podcast: Millennial Planning Group

 

What started your journey?  I had just graduated college, I knew I didn’t want to work for anyone else and I love helping people solve problems. With those things combined, financial planning seemed to be the perfect fit and since I was already broke, I was completely fine starting my own business (I figured it couldn’t get any worse)

 

How long did it take for you to “master it ,or make income” The longer I’m in the industry the more I realize I don’t know so I would never consider myself a master.  That being said, I would say that I was profitable by year 2 (I worked 50-60 hours in this alone year one and made 26 k)

 

Did you ever want to give up? Did I get stressed, absolutely. Did I dread some days and the monumental amount of work, Yep. That being said, for some reason I was never at a point where I said I don’t want to do this. I genuinely love what I do and know the benefit it brings to people.

 

Tell me a story of success, failure or learning curve that you felt to valuable to you.  I had a client I was trying to work with that many other advisors add told me would never do business with me.  We had a few meetings and I realized that everyone had been trying to tell him what he needed versus asking him what he wanted and why.  As those conversations progressed I was able to make some recommendations about strategies and subsequent products that finally made sense to him and he implemented.  It turned out to be a great client.  Additionally, helped solidify to me early in my career that what I provide is not a need but a want.  The more I understand what people want, the better I can convey how the strategies I recommend provide that and ultimately I have a much better opportunity of gaining a new long-term client.

 

How did you overcome failure to push on?  To me, you only fail when you stop trying.  There are a lot of things I am, but a quitter isn’t one.  Instead of looking at things I did that didn’t work as failure, I looked at them as opportunities to learn and expand my capabilities.  After enough of those, the only thing left is the things that actually work!

 

What is one thing you would share for someone wanting to get into the business or seeking out a passion and growing with it?  No matter how hard you think it is going to be, it will be much, much harder.  To do this business the right way, takes time, energy, and emotional fortitude.  I believe that if you don’t truly get jazzed up about helping others, there is no way you can be successful long term (success is a subjective term we can discuss my philosophies on that in more detail at another time).

 

What kind of experience will someone have when working with you? Hopefully a great one! First and formost, we are a planning firm focused on having a solid strategy.  For someone to even start the process of working with us, we are going to have an introductory meeting to make sure we are in alignment.  I have found that if people understand our philosophy, agree with it, and want to use it to build their strategy,  we are an amazing fit.  If they do not agree with our philosophy or are looking for more of a transactional relationship, we aren’t a good fit and its better not to even start down the path together.

 

Adam Morgan: 

Office (757) 498-5700

Cell (757) 641-8164

Linkedin: linkedin.com/in/adam-morgan-9B1b113/

Show notes for podcast with Simply Chic Salon co-owner Amanda Parsons:

Amanda has an inspiring story to share.  Her life didn’t go as planned as a young mother of 3 boys by the age of 24 years old.  She went from the “why me” attitude to a business owner.

Success is not just monetary.. success is lifestyle and happiness.  How did she get there?  By starting with “What am I going to do today?”

Being a salon owner is not just a business it is also about relationship building.  She has learned to make herself as important as her clients.

She is also a worship leader for a new church in the area Reignite Church.  Her business and her life are all faith based.

Simply Chic Salon

4402 Princess Anne Rd # 102, Virginia Beach, VA 23462

(757) 321-8040

Facebook : https://www.facebook.com/simplychicvb

Conversations With Creamer is pleased to partner with companies that offer great services!  When you take advantage of the services of any of the shows sponsors or partners you are supporting our show!

James Walrod – Veterans United Home Loans