You say Ferrari I say Ferraro! Episode 11 was indeed a very special one to my heart, being one of my "lucky" numbers and all, and I couldn't have shared it with a more genuine human being than the illustrious Chris Ferraro (Jr). Talk about keeping me on my toes, this man is a fast talker and even quicker thinker, and I had an absolute blast. It was nice to have a guest verbally spar with me over sarcasm and wit, and continually pin me against the ropes with their humor. I will definitely not forget you anytime soon, Mr. Ferraro. Besides-I may be calling you as soon as my homeowner’s insurance drops me for no apparent reason, as is the case many in our state have suddenly experienced thanks to the past 5 years of wildfires. Which actually brings me to the main point of our whole episode actually, or why/how Chris and I got together in the first place: to discuss the current state of our insurance agencies and causes for the skyrocketing homeowners premiums which are looming on the horizon for all of us (or have already hit some). So, to say this episode is a must listen I will not do, but, if you want to sound super smart the next time you’re at a dinner party with friends then yes, I would 1000% listen to this episode asap. I promise it will equip you with all that knowledge and then some, and you will kind of become like the Jim Cramer of insurance or something for the night. Eloquently explaining the rise in premiums and associated perceived risk on the insurers behalf-that I can guarantee! Ok, maybe Cramer was a bad example because that guy is a moron imo but still...you get the drift...Thank you Chris, you ruulleee!! Already looking forward to the next time...

*If you or anybody you know wants to be on the show please email cstein33@icloud.com to make it happen.

www.laderaranchradio.com

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***TO REACH CHRIS FERRARO FOR INSURANCE, GOLF (@flaghighsociety), OR FRIENDSHIP REQUESTS HIT HIM ON INSTAGRAM OR TWITTER (@chrisferrarojr on both)***

**LIVE BROADCAST (video + announcing) of Ladera Ranch Little League (TOC) tournament of champions games from Cox Field. Orioles AAA division youth baseball.

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I titled this episode “Jay Rogers the Mastodon” because not only is he a larger than life pillar of the community with teddybear like qualities, but physically he's also a big man whom could probably snap you in half if you really, truly angered him. And Papa Bear knows how to fight too so be careful….nah but for real the last thing you ever have to worry about with Jay is being hurt by him. I’m just trying to paint a picture for you same as we did in the making of this episode when we discussed an all matter of things. Most notably high school and youth sports-which can be a doozy here in Ladera, investing (concept of REITS and buying professional sporting teams), parenting high school to college age boys, [fighting] to keeping in shape and of course, Messi coming to America to play for InterMiami MLS soccer club. Ok, you got me, the latter we kinda just whizzed over with both of us being warm-blooded baseball loving Americans. But hey, at least we tried! Plus, can you believe with that move InterMiami is now valued to be over $1B USD…which is significantly more than a good chunk of major league baseball (MLB) franchises. Fml smh. I better get on this futbol americano thing asap eh! Well, regardless of your feelings on soccer/futbol I can assure you that you will 100% feel more enlightened after listening to this episode, and thank you again Mr. Jay Rogers-it was an absolute pleasure speaking with you…until next time!

*If you or anybody you know wants to be on the show please email cstein33@icloud.com to make it happen.

www.laderaranchradio.com

[Instagram @SteinTimepodcast]

**LIVE BROADCAST (video + announcing) of Ladera Ranch Little League (TOC) tournament of champions games from Cox Field. Orioles AAA division youth baseball.

[Facebook]

Every so often a person comes along where you kinda just have to invent a word to create a proper title, as was the case with my most recent guest a Mr. Derek Willner. Born and raised in Delaware by day, native Philadelphian and city whisperer by night, it wasn't until a couple years back when he and his family finally decided to join us and take up residence here in our lovely Ladera. Coming from San Francisco too...need I say more? Hehe. No, for real, we are so happy they did and to say they've been enjoying it would be a severe understatement! He truly did love SF so it was a big move indeed, and be sure to catch his punk rock venue tips in this episode so next time your up in the bay area you can go and check them out. But beyond local venue recommendations Derek literally brought so much other thought and insight to the table-and we talked about an all matter of things. From partying young, to raising children, touring with the Grateful Dead, career and college advice, this is surely an episode that you do not want to miss! And oh yeah, did I mention that Derek's also seen a real-life ghost, or apparition as some may say, and when it actually turned around and looked at him....well...I guess you'll just have to listen in to see exactly what transpired. Thank you again Derek, and I very much look forward to the next time we sit. There is so much that we did not cover which we totally could have, so a Round dues is most definitely in the cards here. Boomshockalocka!!

www.LaderaRanchRadio.com

Instagram @SteinTimepodcast

*Remember you can visit laderalife.com for most community needs, answers to questions, volunteerism opportunities or to just get further connected in general.