Apr 17, 2014

The Allure of Melissa Magallon and Home Warranties by Dave Miller

So Chef Meli didn't bring any dishes - WTH? Understandably we can't smell it, see it, or taste it through the radio, but, still. OK, Bryan has been there and loves this restaurant, the ambiance - he attended the grand opening. 5 stars only on Yelp! Check out what your friends may say, drive by, stop by, take a whiff - you will stay.

San Diego Culinary Institute requires an internship. She met Ocean Air because of "Top Chef." She was asked to open Searsucker with the owner of Ocean Air - starting at salad station and worked her way up to lead line cook. She paid her dues. She was promoted to sous chef. From there, Herringbone, then on to Searsucker in Scottsdale, AZ. Can you taste this journey?  

Now she has her own restaurant in the Gas Lamp District of Downtown San Diego. So far Allure is dinner only.

Home Warranties are not a thing of the past - Dave Miller is here to tell us about it. Bryan stands behind on Dave's company, Hiscow Home Warranty. They are known for being honorable and their service call cost INCLUDED. That's what the warranty is for. They are QUITE popular for this reason.

Don't make assumptions. Get a copy from the agent as to WHAT is covered and not. People confuse home warranty with homeowner's insurance. You'd be surprised how much is covered by their policies and how much is NOT by their competitors - hint - KEEP COOL!


About our Guests:

Melissa Magallon aka Chef Meli, owner of Allure Restaurant

Melissa, a born and raised San Diego native, went to culinary school at SDCI. She got her first job at Oceanaire in downtown. After a year, she left to open Searsucker. At Searsucker she quickly learned all stations turning her into lead line cook and eventually Sous chef. After Herringbone's opening, Melissa transferred to the new La Jolla restaurant. As soon as there were plans to open Scottsdale Searsucker, the company flew her out to help. Once open, she came back to San Diego and shortly after was sent to work at Burlap. Then it was time to open her very own restaurant with her family. And that is how Allure came to be!

Dave Miller

Dave Miller has been protecting Realtors for nearly 15 years with Home Warranties, E&O Insurance and Natural Hazard Zone Disclosure Reports. Dave is the Area Manager of San Diego and Imperial Counties for CRES/HISCO Home Warranty and has the pleasure of working with over 600 Brokers and Agents on a monthly basis. Dave enjoys giving his Realtors and their clients full access to him at all times with questions on coverage, service and claims.

You can find him here: hiscohw.com and thediscolurereport.com

Listen Now:

Apr 3, 2014

OMG, LOL - #gramMARCH, Debt Settlement

Considering Bryan’s fondness of the English language and fully expressing himself in complete sentences, this cause spoke to him loudly, clearly and with a full Oh My Goodness! spelled out in its entirety.

The gramMARCH challenge is the brainchild of middle school teacher Heather Shotke, who has seen these abbreviated forms of language migrate from the screens of smartphones to the pages of her students’ work product. She is shocked at the type of writing that comes across her desk – even in formal essay assignments.

“I am disappointed and appalled,” Shotke said. “Kids are using ‘text language’ in their academic work and they think it is acceptable because that is how they are communicating with their friends on social media. It worries me that they cannot differentiate between a formal, school assignment and a text to a friend.”

Shotke, a graduate of the Annenberg School of Communication at USC, is concerned that society has become too acceptant of this new-era shorthand. Students are not the only ones at fault. Adults too have adopted this lax method of prose. Through gramMARCH, Shotke is challenging the nation to slow down and think about what they are writing, so that thoughts and words are concise and given respect.

Big Daddy Radio isn’t just about the spoken word, but about the written word, as well, to convey clear and complete opinions.

We’ll also be joined by attorney, Daniel Gamez and Guest Co-Host, Sandy Rasque.

Heather teaches in Rosemead at a K-8 school – 7th and 8th. She has taken her cause beyond her classroom, yet that is what inspired her. She has friends who teach at reputable colleges that notice this same writing style in entrance essays and exams. Did you know they are dropping the entrance essays in the SATs – probably inspired by the lack of interest of clear and accurate expression through writing.

LOL, OMG have their places, but in a professional email, essay or proposals are not the places. How do you build confidence in your message if your audience has to decipher what you are attempting to say. This is leading to a severe decline and disconnect on how we communicate with each other. The bad habits are being formed now. But think about it, sometimes they text when they are sitting next to each other for privacy.

Daniel Gamez is a debt settlement specialist including medical bills. His goal is to help clients avoid bankruptcy, gain some positive spending and saving habits and lose the noose of debt.

Daniel R. Gamez,an attorney focusing exclusively in debt settlement, is licensed to practice in all state and federal courts in California and Texas. Mr.Gamez is a member of the State Bar of California, State Bar of Texas, San Diego County Bar Association, La Jolla Bar Association, North County Bar Association, San Diego Bankruptcy Forum, Bird Rock Elementary Governance Team, and a number of other business and social networking organizations.

You can find his firm here >

Sandy Rasque has started with a new company, Concierge Medicine. Her role is to help them with branding. It’s a bit of client advocacy as well as assisting them through the maze of medical care.


Listen Now:

Mar 28, 2014

Halpen Red Burger, David Young and Marci Bair on Cover California

March 31 deadline is upon us!
After that deadline, there is a penalty $95/person per year, or 1% of your income.
It goes up to 2%, 2.5% the following year.

Prioritize - get your insurance. Think about the savings.. Marci was able to bring one family's healthcare down from $975 per month to $350. HURRY. If you wait too long, you'll be locked out until the first of next year.

Keep reading →

Listen Now:

Mar 20, 2014

David Shyde’s Music and Sandy Rasque, Guest CoHost

What's new with David? Let me tell you, he released his first album and has been playing continuously. Brian Pierini, David’s friend and colaborator of many years on tenor sax, Greg Manning – keyboards, Ricky Lawson – drums, James East – bass, David Shyde – guitar/vocals performed at Art Affaire 2013 in Rancho Mirage.

at 13:06 you'll hear him play. He's great with others, plugged in or unplugged! We just love this man's music and talent!  Sandy is SWOONING throughout this - you can almost feel her swaying and staring at David.

Singles will be available in 30 days. We'll add the links.
Visit his site here: davidshyde.com

He explained WHY he had to change the spelling of his name... part of the dumbing down of America. Fits in with the texting culture finding its way into English classes, writing and more.

Listen Now:

Mar 19, 2014

Fitness, Insurance and Music

Great show today - quite diverse. So excited to have Raquel Perry, The Fitness Stalker back. She discussed various regimes that are common these days. More to be revealed. We were also joined by songwriter and three time Grammy Nominee, Tehrah Taylor :

Best Contemporary Christian Music Song (For Tehrah & Tom Hopkins)
Best Gospel/Contemporary Christian Music Performance
Best Instrumental Arrangement Accompanying Vocals (for Tom Hokins)

And then we were revisited by insurance guru’s Michelle and Mary Montiel back discussing supplemental insurance and retirement policies.

Listen Now:

Mar 6, 2014

Oscar Coverage and Mia from Wounded Warrior Homes

This show featured Angela Moskovis, Wesley Shaw of RPM, Adam on the board.
Special guest Mia Roseberry from Wounded Warrior Homes

We covered the Oscar's and John Travolta's pronunciation debacle.
Can I just say, WE LOVE PINK! She's tremendous - not only does she do her own acrobatics, but can sing  with such resonance at the same time. She's powerful and under-appreciated! And, how many of you cry or mist up when you hear "Wind Beneath my Wings" by Bette Midler? Perfect timing on that.

Wes' Recap on Loans, Interest and the Market:
improving interest rates with Ukraine crisis. It's a great time to obtain a mortgage. At about 4.5 percent you are borrowing money at a good price.Don't wait - sellers are serious, as are buyers. Bryan disagrees when people say 
to wait until summer - no reason to delay. There are buyers waiting for you. Do it while the rates are at 4.5 percent. Let's not wait.

Mia Roseberry, co-founder of Wounded Warrior Homes in San Diego
Their mission is to provide transitional housing to single post-911 combat veterans with traumatic brain injury and post-traumatic stress. Many veterans are discharged from military, but what you don't know is that they are discharged due to injury, it can take up to two years to receive their benefits when they get out. In the meantime, they have no income, and due to the injury they cannot work. Has greatly increased the homeless population. There are over 48,000 Iraq and Iran veterans who are homeless from USA Today report. This is sickening. No one seems to realize that it truly takes time for everything to come through. They have no money, some don't have family or support system. They go home to Midwest - cannot get to VA support - no doctors in their plan, no facilities. Takes hours to get there - cannot afford the gas, cannot find someone with that kind of time to get them there.

San Diego County has such an amazing wealth of resources. They get support from the Balboa and La Jolla VA facilities and many other offices in the county. Bryan found out about Wounded Warrior Homes from his friends Brian and Patrick at REIG Asset Management. They are a HUGE sponsor for Wounded Warrior Homes. People don't realize how the system works and how long it takes to get the flow of benefits, especially when you are not near veteran support systems.

Compare this to the $500K willing to pay for dinner with Kim Kardashian. 

Disgusting when you think HOW many veterans that same money could help. 

Society can be so shallow and the media even worse to talk about that over the needs of those who have served this country. We need to retrain our media to cover what is and should be important.

REIG has hired one of the clients from WWH as an intern to give him training in the field he's interested in. Any company can make a difference through intern programs, part time help, mentoring, donating time and money.

Mia let us know that the residents, short or long term must be drug and alcohol free. Short term is an option. Some have been with them for only four months and then "graduate." She told us, "We have a great guy that is now a spokesperson for us - he's back on his feet, creating companies and serving as a mentor."

Angie recognized, "There needs to be a fine balance between caring and allowing them to launch themselves back to independence." Through Wounded Warior Homes, they connect the residents with attorneys, appointments - they ensure recreational activities, religious opportunities - anything to get them back to "normal" or their "new normal."

WoundedWarriorHomes.org - to learn more

Upcoming Events: 

Come see us at the Carlsbad Street Faire
Sunday, May 4th, 2014, 8:00 a.m. to 5:00 p.m.

Carlsbad Village (Grand Ave. from Carlsbad Blvd. to Jefferson St.)
Carlsbad, CA 92011

Second Annual Hot Rods 4 Heroes in Association with the San Diego County Parks & Recreation Department

as part of the Grand Opening of the San Diego Waterfront Park & Promenade1537 North Harbor Drive, San Diego, CA 92101

Across from the San Diego Maritime Museum

Come Join Us for a Great Day On The Bay! 
100% goes to WoundedWarriorHomes.org


4th Annual Warrior’s Code Poker Ride

Saturday, May 24th, 2014

5th Annual Biggs Harley-Davidson of Southern California

1040 Los Vallecitos Blvd., San Marcos, CA 92069
live music, food, raffles at all events.

Wyoming's own Bobby Chitwood concert - 2nd year helping them. He is the Wounded Warrior Homes' Celebrity spokesperson
June 29. Tickets on sale this month.
Further opportunities:

Help build a home program. 
House donated by Team Capital 100% solar house. Trucked from DC to Irvine.
This home is IN STORAGE, ADA compliant and needs to get to the property!
Next phase of permit process, trucking to set on property - more home space. 

$80,000 to finish this project! 
You can specify your donation to go to that project, corporate sponsorship available.
Pacific Marine Credit Union recently raised $8000 in 30 days from their branches. It doesn't have to be hard, you just have to decide to help!

We ended the show talking about our no bullying stand and the Wisconsin news anchor story about a guy who badgered a newscaster for being overweight on the air. There was some... backlash to say the least.
Listen Now:

Feb 26, 2014

Real Estate Day: Brian Dunn on Tenant Management and Property Management

Our guest today is Brian Dunn, Owner/Broker of Pruett Realty located in Ocean Beach 619-222-0316
We were also joined by Drew Orneleas.

Basic process with a tenant that doesn't pay:
3 day pay or quit
Contact legal professional.
Typically, post 3 day notice, try to serve directly to tenant OR post and mail.

Pruett usually gives a 3 day grace period and then starts phone calls on 4th 5th day, still no rent? then 3 day notice.

Hire a professional to manage your rentals. Do not handle yourself. Just takes one bad experience to account for 3 months of rent you won't get - possibly. Align yourself with a team to help you manage.
Helps to be a 3rd party with emotions removed.

Bryan asked, "What is the longest you've seen someone stay in or heard about - the horror stories...?"
Brian said he's heard of some that were up to months and months. Best to have have a property manager. Don't mess around with this.

His firm filters through the potential problems and problem tenants with their application process. They tend to drive away tenants that would be prone to playing games on the rent. They do not permit a potential tenant to provide their own credit reports - they can be false. Since then, it's a company policy to produce their own credit reports on the applicant. Bryan Garrity cannot say enough positive about Pruett Realty's property management services.

Here's a poll: have you updated your IOS lately? Angie admits to being a coward and Bryan HATES Windows 8 and wants 7 back!
We had a conversation on apps. Uh, you cannot handle all of your real estate services with Apps. Or you can, good luck! The apps don't have the experience of the market, experience, etc. They are programmed for black and white.
FSBO (For Sale By Owner) will give it a shot, use the apps and then curse the process because it went SOO bad, not just for them, but for the buyer. Think about just one word, "DISCLOSURES." Without the seller being accountable, they may not mean to, but they could forget to disclose MANY items that can be disastrous. 

Be careful what you count on for apps when it comes to your home.
Uh - ZILLOW - It's not always accurate, it's inflated. Be careful. Go by MLS - that's where the agents/brokers have to have accountability.

Wouldn't you want someone helping you that goes through ongoing training and must in order to stay licensed?
Listen Now:

Feb 21, 2014

Matt Capron to talk about rental property management.

Matt Capron, CEO/Broker Vertical Horizon, he's also a JD with that law background like Bryan.
Are you looking for someone to manage your property? Are you unhappy with your current manager? Call Matt: 

Matt vets the process for finding tenants for residential properties.
He hates vacancy time. Don't delay - if you want a tenant July 1, don't wait until June 20.
Need the extra time to find a quality tenant. Think about one month vacancy vs. how much a property management firm costs. 

Bryan asked Drew, "When you are looking - would you be wary about renting from individual."

Drew, "Think about it tenants, if you go through private party, what if that property owner gets upside down, you could be out on the streets, too. You want to make sure you have reputable people at both ends of the relationship."

You don't need a professional when everything goes smoothly.  But will it always go smoothly? Once it goes askew - hard to recover without the help of a professional. Best to have them in the mix from the beginning.

He's different and allows applicants to pull their own credit score to save another ping on their score. Technically you can go to annualcreditreport.com to get your one free from each agency for the year. No application fee.

Be wary of credit repair companies. Most are not. Looking for one that RPM endorses... on the hunt.

Find someone diligent - not the nitpickers, the logical folks with experience in this field that can help protect you, get you great tenants and help you not worry about the small stuff.

Listen Now:

Feb 6, 2014

Home Care Assistance with Sandy Rasque

Sandy has had quite a journey from health insurance to becoming the accidental personal chef and this current landing point with Home Care Assistance. This is a 12 year old company. They are in the in-home, non-medical care giving business. They are in over 100 locations. Sandy has several offices in Southern California. They are not nurses - meaning they cannot give shots, or medicine - they can give reminders - nothing that enters the body.

But, they can help around the home, take them to appointments, shop for them. Great for rehab periods, surgery recovery, etc. This is not just a service for seniors. Sometimes you need that extra hand when you are trying to take care of yourself. Perhaps your spouse has to work and cannot take the time to take care of you because the income needs to keep coming in. This is an option for those short term situations.

Caregiving is not for the faint of heart. Home Care Assistance really vets their  team members to make sure they are passionate about caring for others. It can't be just a job for them.

Careful Screening

They typically hire only 1 in 25 applicants. Caregivers must have experience working with older adults. We check references, national criminal backgrounds, and legal right-to-work documentation. Finally, Home Care Assistance administers an exclusive caregiver screening exam developed by our on-staff Ph.D. psychologist. This test helps them check for honesty, kindness, and conscientiousness.

Ongoing Training

Our exclusive Balanced Care™ training program is based on extensive research into nutrition, activity, and other factors that have been proven to help people age better, maximizing health and quality of life. We also provide our caregivers with continuous education on the latest developments in older adult care.

What Is Home Care?

Home care means receiving services from a personal caregiver. Nine out of ten seniors would rather keep living at home. But when frailty, chronic illness or forgetfulness makes living alone too difficult for seniors, home care enables them to maintain their quality of life and lifestyle. Click here to start home care for a senior you know.

With home care, a personal caregiver visits the senior for a period of at least four hours at a time—up to 24 hours a day, seven days a week, depending on the level of care needed.

In-home caregivers provide help with a wide variety of non-medical related activities of daily living. These include: showering, bathing and dressing, meal preparation, transportation, using the toilet, companionship, recreation, medication reminders, fall prevention and more.

These are Sandy's offices:

San Diego

Rancho Santa Fe Plaza
162 S. Rancho Santa Fe Road,
Suite B-10
Encinitas, CA 92024
Email: Click here!
Phone: 760-635-3646

7521 Fay Avenue
La Jolla, CA 92037
Phone: 877-254-4860

1330 Orange Avenue, Suite 300
Coronado, CA 92118
Phone: 619-795-7457

Newport Beach

333 Old Newport Blvd, Suite 3
Newport Beach, CA  92663
Email: Click here!
Phone: 949-200-3939

Dana Point

Monarch Bay Plaza
32880 Pacific Coast Hwy, Suite 34,
Dana Point, CA 92629
Phone: 949-373-4793
Email: Click here!

Listen Now:

Jan 29, 2014

Protein Hangovers? Shut up, really?

Nutritionist, Mary White was in the studio as she has been working with Bryan to get through his fears of gaining all the weight back, making new decisions.

She has found a protein solution for Bryan.
He has a hard time absorbing - so Mary White found him a great drink with a Sunkist flavor that is palatable and is absorbed by your system without the protein hangover.

Bryan has a lot of fear - fear of wanting to eat too much. Maladaptive eating is the diagnosis - good grief - one more thing on Bryan's list.

Sometimes when people finally lose a lot of weight, they can grow an unhealthy fear of gaining it back to the point of not wanting to eat out of fear of gaining it back.

Angie has had to do a 180 in their home for nutrition due to her son's dietary needs. They have all done a lot of research and are excited to come up with healthy plans. It doesn't have to taste like sawdust - SEASONING doesn't mean salt and butter - healthy oils, fresh herbs, lemon grass - there are so many exciting ways to create interesting meals that are so good for you.

Covered pop ladies who have been getting some training help:
Brittany (of course), Shakira, Madonna and the Grammys.

Listen Now:

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