Is your business prepared for natural disasters? Here in California, we are seeing the damage wildfires can cause. Are you covered in case of a disaster? What are the changes in the insurance industry you should be aware of? 

For the newbie real estate investor who has taken the time to get educated and felt ready to buy that first property, the immediate question is: should I invest during a pandemic? The pandemic has heightened the importance of having a solid action plan, but it has not changed the fundamental risks and opportunities of real estate investment. Some things to consider before moving forward: What's your exit plan? To flip or not to flip? Do you know your local market? Are you screening tenants properly? 

Chaos breeds opportunity. Are you positioning yourself well for the future? 

Are you getting bogged down in intricacies of business insurance? Do you know you need insurance, but are not quite sure which kind? What are the different kinds of insurance you should be thinking about for your business? This episode provides an overview of basic insurance types and when they may or may not apply to you. BONUS: how has COVID-19 impacted all of this? 

Are you ready to own the building where your business operates? Do you want to make that move, but don't know what steps to take? Have you heard of SBA financing, but are not quite sure where to start? Or perhaps the bureaucracy was too much to wade through? In today's podcast, Vernon and Anna discuss the outlines of SBA funding programs, and how to simplify the process for yourself. 

If your business partner's son is a bad driver, can that cost you your home? Without the correct legal, insurance, and credit structure in place, absolutely! How does business credit help you protect your personal finances? The "corporate veil" separates business liability from personal liability, and small business owners can unknowingly leave themselves exposed if they fail to keep their personal and business finances completely distinct. 

What are your options for health insurance during a pandemic? What should you be doing? What can you do? Listen to an overview of the world of health insurance from an insurance expert, Vernon Williams of Brighton Financial. 

When you are running a business, making money is only part of being successful. Your business needs to generate income, yes, that's the offense part - and protecting your assets is the defensive part. How do you protect your business from losing the money you have earned? A successful business owner needs a comprehensive plan that incorporates offensive AND defensive aspects. How is your overall business plan? Are you protected? 

What are the five main components of your credit profile? Is paying on time every month enough to have great credit? What is the difference between my credit report and my credit score? What is likelihood of approval, and why should I care about it? 

Is "PERFECT CREDIT" really something I want? What credit score will get me loan approval? (Warning, trick question!) What is the difference between my credit score, my credit report, and my likelihood of approval? What are the five elements of credit? Is a lender ever "doing me a favor" by offering me a loan?