by Israeli Rothman | Feb 29, 2024 | Professional Services
Please keep me in mind!
About me…
All that I ask is to have enough information to provide options.
If I cannot save you money, I will pay you $25 for your trouble. But I WILL save you money!
I am a licensed agent, for all lines of insurance, in Nebraska, Iowa, Kansas, and Oregon, representing all the best insurance companies.
You are my neighbor. I am in Glendale, Oregon, 97442
I answer my phone 24-7s, Whenever I am not sleeping. I ALWAYS return my calls.
I can serve you anywhere, anytime, in person, remotely, digitally.
In my 69 years on this earth, I have owned 26 businesses, and made and lost over $10M. I can say that, because it is true.
I am working for four reasons:
- At 11 years old I became an orphan in East Oakland California; I started with nothing.
- I was under-capitalized, under-insured. I lost everything in the crash in California.
- I want to spare other children the experiences I survived growing up that way.
- I want to protect you and your assets from losses that happen to everyone.
Whoever you are, I can assure you of this:
I am honest. I am ethical. I am reliable. I am accountable. It is my honor to serve you.
Whether you are a young person, planning to build a life, a middle aged person with children trying to protect your family, or a semi-retired person such as myself, who is not done living yet, I can help you protect your dreams, your family, and your assets; and I would be honored to do so. Employee Benefits, Workman’s Comp, Business and Personal lines; many well known Insurance Companies.
I have already made all the mistakes that you are about to make, and I can protect you from the losses that I have experienced personally. From Surety Bonds to a multi-million dollar personal or business Umbrella policy, I can protect you.
Not all of the best carriers have direct links to digital quotes, yet. I am contracted with many, in both categories.
All lines of Insurance: Cell, 24-7s click to call: 928-228-9228
https://israelirothman.com I go by ‘Israel’ My cell In Glendale, Oregon +1 928-228-9228
I am representing these, and many more, independently:
by Israeli Rothman | Feb 13, 2024 | Interactive, Professional Services
Imagine a ship…
This cargo ship is fully stocked, well built, in good condition; but if nobody is at the helm, it is doomed.
All lines of business and personal insurance 928-22-9228 Oregon-IA-NE-KS
You have insurance, and you probably bought it from a strip mall boiler room behemoth insurance company, offering only one product, whether it fits you or not.
There is nobody at the helm on your ship, because you hate insurance, know so little about it, just want to get it over with.
But be advised: bad stuff that you did not expect will happen, and, if you have not planned for it, not plotted a course, have left your future to others to decide, you are doomed to lose everything eventually, just like a shipwreck. You need to be a little more studious about how and how much to protect your assets, your livelihood, your health, and your family.
To fully understand insurance, you must understand it’s beginning:
The ubiquitous intermodal box container was developed by Malcolm McLean in 1956. Opposed by longshoremen, railroads, and ship lines, its simplicity and efficiency prevailed, reducing unit costs for retail consumer goods to essentially nothing. But there is a hitch: the efficiency of a pre-packed container means contents are rarely inspected. Flammable or hazardous materials are supposed to be declared, but often are not. As a result, containership fires are not uncommon. The newest massive vessels can carry close to 10,000 40-foot containers, raising new questions about concentration of risk.
It is a widely held belief by insurance professionals and several researchers that marine insurance — hull and cargo specifically — are the oldest forms of insurance. Some date early forms of those to Phoenician traders whose heyday of trading colonies around the Mediterranean began around 1200 BC. The French port of Marseilles was among the farthest west, founded around 600 BC.
Trade over those distances, with voyages lasting weeks and months, clearly involved risks greater than local trade, terrestrial or maritime. The history of business has been driven by the need to concentrate capital. That also means a concentration of risk. The history of insurance has been driven by the concurrent need to transfer and diffuse those concentrated risks.
EMBARKING ON THE PERILOUS JOURNEY OF LIFE, YOU CAN LOSE EVERYTHING AT ANY MOMENT!
Take it from me: born poor, orphaned at 11 years old, yet I have managed to make and lose over $10M, with nothing to show for it other than an education, in why I should have been insured.
YOU DON’T LIKE INSURANCE, NEITHER DID I.
However, if you trust your future to some young salesperson working for a behemoth in a micromanaged strip mall office, you will have the wrong insurance, too much, or too little insurance!
I am a licenced agent in four states: Oregon, Iowa, Nebraska, and Kansas, and can easily add more states. I am completely independent, no loyalty to one insurance company, I have many. You need to deal with someone like me, in my opinion.
Don’t let your children go through what I did. If I cannot save you money, I will pay you $25 for your time:
by Israeli Rothman | Dec 15, 2016 | Interactive, Professional Services, Venture Capital
I was correct when I originally wrote this, as you can see, and I believe it is that time again in 2023!
There are many ways of Raising money for Real Estate Investment, or any other business!
In 2017, artificially low interest rates will rise, the economy is already recovering, and real estate bargain prices are still available.
There has never been a better time to purchase real estate, and Equity Capital raised in a Private Placement of LLC Shares can qualify as a Real Estate Investment Trust, and meet down payment requirements for mortgage lenders.
With new ways to market those shares and raise the necessary equity capital enabled by social media and crowd funding, 2017 is the perfect time to plan an offering and create a project.
It is not hard to do a Reg D PPM
- Pick a real estate project
- Quantify what you have to bring to the table
- Create a document
- Obtain a contingent commitment from a lender
- Raise the Equity capital from family, friends, relatives, investors
- Secure the real estate
- You are on your way as managing partner!
PICKING A PROJECT
It can be an empty building that can be converted to retail, live and work environment, a business incubator, a farm, an apartment complex, anything with potential, even a whole Ghost Town
WHAT DO YOU HAVE TO INCLUDE
Your assets can be expertise such as management experience or a Real Estate or other professional licence, marketing connections or expertise, cash investment, a dormant, non-producing asset of some kind, or even a related business(s) that can enhance the potential profit.
CREATE A DOCUMENT
You can get templates from a number of places with updated PPM (private placement memorandum), subscription agreements, and associated disclosures and forms for your state. You can also hire somebody to assist you very inexpensively. Contrary to popular belief, Lawyers and Accountants are not needed to do this legally, it is the right of every American Citizen to do so with certain exemptions from registration under various federal and state laws:
- “The coffee table rule”
- Regulation D, rules 504, 505, 506
- Uniform Securities act of 1981
- “Limited Offering Exemption”
CONTINGENT COMMITMENT
Lenders and investors of all kinds have a criteria. A contingent commitment to participate is obtained by contacting them, asking them what the cirteria is, reading it back to them, and asking them to commit to the criteria they just described, in written or letter form. These letters can then be added to the PPM, and help to secure investments. Funding the project then becomes simply a matter of informing all parties that, according to their letters, they have already bought!
EQUITY CAPITAL – SELLING SHARES
With all these other steps in place, it may surprize you how easily the LLC Private Shares can be sold, if and when the project is well planned, researched and prepared, and the upside potential is clearly defined. The downside potential for equity shares in an early stage offering is a complete loss of capital, so the upside needs to be large: at least a ten times return within 3-5 years. The assumptions and projections must be credible, and well documented.
SECURE THE REAL ESTATE
Once you have raised the paid in capital, and tied up the property by funding an escrow, with enough downpayment to qualify, the original contingent commitment lender can be given first right of refusal as promised, and other lenders can be shopped. I have found that often the original commitment is not at the lowest available rate once the project has come this far.
BECOME THE PROJECT MANAGER
If all these things are done well, you are now in complete control of a fully funded, very tax advantaged project.
I have done this many times over the last 30+ years.
If I like the project, I can provide:
1. The documents
2. Help with marketing to my 22M+ audience of Realtors, investors, lenders and small business people
3. Help with funding on a performance (commissions) basis
My requirements:
1. You take my advice
2. A small equity stake in the project
3. Israeli Rothman 928-228-9228
Original article is here
It is all about the people! You need insurance: key man insurance, Errors and Omissions Insurance…
Questions? Call me: 928-228-9228 I am happy to help.
