Have You Got Holes In Your Pockets?

Name: Alta Vista Insurance Agency
Address: 2585 Pio Pico Dr Suite 100, Carlsbad, CA, 92008
Telephone: 888-724-2124

Posted on March 27, 2018January 12, 2021 by Seth Arruda

How much money have you walked by in the last twenty years?

To answer that question, Brian Hershburg took on an unusual experiment: he spent 20 years saving each coin he found on the street.

The result?

$971.65 in coins and paper currency amassed in peripheral batches. (full article here)

Considering his method of passively saving, one might be convinced of the profitability of setting money aside, even just a very, very little at a time.

To further emphasize this, in 2014, TSA reported a forgotten coin count of $675,000, and in 2016, Coventa Holding Corp estimated that Americans accidentally dispose of $62 million in change.

These stories relate ONE striking takeaway: accumulation can be powerful.

If you don’t feel like scouting the avenues for spare change, there are other clever way to save poco a poco.

For example:

Automate your savings.
Find an independent insurance agency. They do not have loyalty to a single company and can find you the best insurance options for you. Find out why you want an independent insurance agency, like us (hey oh!), in this article by Dave Ramsey’s team.
Plan your meals BEFORE going to the grocery store. (Putting this one into effect in my own life to avoid overestimating my need for Oreos and onions)
Pack your lunch — buying a $7.50 lunch just twice a week costs you an unnecessary $800 a year.
Take full advantage of your company’s 401k match program. It is free money, folks!
Start investing in a ROTH IRA today for tax-free retirement
Opt for the matinee instead of the Friday night movie.
Pay for everything in cash. Save the change and fill a jar with all the coins you get back.

Are holes in your pockets costing you the chance to pursue opportunity and prepare for your future? Let us patch one hole in your pocket.

Alta Vista Insurance Agency helps people like you succeed in your favorite pursuits by providing you with the best valued insurance policies, tailored directly to your needs.

Take heed of the positive power of accumulation. Let us help you find where we could save you cash and coin today.

Call or email us now! 1-888-724-2124; sales@altavistainsurance.com

Raymond Lowder

Posted on September 27, 2017January 12, 2021 by admin

Book an Appointment with Raymond Lowder

Read Articles by Raymond Lowder

Call Raymond at 1-888-724-2124 x 103

Email Raymond

I am Raymond Lowder a personal lines agent at Alta Vista Insurance Agency specializing in property insurance. I was born in Germany, but raised in San Diego. Growing up I played football and baseball and I enjoy staying active playing in a local recreational flag football league. I attended high school at Cathedral Catholic and am a recent graduate of Cal State San Marcos with a degree in Economics. I enjoy watching sports and am a fan of the Padres! In my free time when I’m not in the office or staying active, I like visiting the different microbreweries around San Diego and I enjoy watching The Walking Dead with family. I am also a Disney Annual Pass Holder so if I’m not around San Diego, maybe you’ll run into me at Disneyland!

Morgan Hege

Posted on September 27, 2017January 12, 2021 by admin

Call Morgan at 1-888-724-2124 x106
Email Morgan@AltaVistaInsurance.com
Schedule an Appointment with Morgan
Read Articles by Morgan

Retirement expert, Morgan Hege, works with retirees and pre-retires to educate them about retirement, protect their savings, grow their wealth, and have a fun and successful retirement, and eventually pass on their money to heirs efficiently as possible. He specializes in the fields of retirement income planning. He has helped hundreds of individuals retire successfully using his principals. He established his practice around a safe money philosophy with millions of dollars under management. His proprietary planning process, is driven by his personal philosophy adopted from his first boss, Warren Buffet who famously said, “There are two rules of investing. “Rule #1 – Don’t lose money. Rule #2 – Never forget Rule #1”. Morgan works strictly with retirees who have over $250,000 in investable assets.

Education & Achievements

Morgan graduated from the Biola University in La Mirada with a degree in Organizational Leadership. He is a licensed insurance professional and financial advisor with over 15 years of retirement planning experience. He is proud to educate and advise his clients in their retirement needs, and enjoys making it a fun process.

In The Media

Morgan hosts an internet radio show and video blog where he educates and entertains his audience as he interviews guests and discusses current events with the nation’s top industry professionals. Morgan provides useful tips, fun facts about money and saving for retirement. Send Morgan a question to have it answered live on the show!

Morgan is the author of “Retirement Roadmap: Using Ladders in Retirement to Hedge Against Inflation” which discusses strategies to guarantee income, reduce taxes, and maximize social security benefits in retirement.

Family Information

Morgan and his wife Rya have been married since 1999 and have three children: a daughter Charlotte, and two sons Robert and Anderson. The five of them enjoy spending time together as a family, taking family vacations, and supporting each other in numerous social, school, and sporting events.

George Francis, CPCU

Posted on September 27, 2017January 12, 2021 by admin

Family, business, travel, wine, golf and more family, these are my priorities and passion. I am a native Californian who grew up in Argentina, Venezuela, Chile, Brazil and Wyoming, an interesting background which is perhaps why I have a passion for travel. I have three daughters and three grandsons, each grandson with a different passion. One has baseball; one has horses and is looking forward to being in the Grand Prix; and one in soccer, perhaps to play for the Seattle Sounders. We have lots to look forward to.

After a twenty year career working for insurance companies and large brokerage operations Marge and I purchased Alta Vista Insurance Agency, in Vista, CA, in 1989, and love the small community atmosphere. Our business is all over the West, but Vista is home and very comfortable. Being a newbie twenty years ago I joined the Kiwanis Club of Vista to get to know the community and become involved. Twenty years later I’m still involved and love to be of service to our communities and our children and enjoy the wonderful fellowship of this worldwide organization.

My passion for wine has allowed me to build a great relationship with wineries and vineyards in California. This is a growing part of our business and one that is leading us into the other western states. I love to taste/drink wine and have found the people in this industry to be wonderful to work with and have as friends. When work is fun it really is not work.

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Schedule An Appointment with George

California Business Insurance

Posted on September 4, 2017January 12, 2021 by admin

Make sure your company is properly covered with California business insurance – Team with Alta Vista Insurance today!

As a business owner or executive, you are faced with risk factors on a regular basis. Having a robust business insurance plan in tact will greatly diminish your chances of suffering from major loss. The knowledgeable agents at Alta Vista Insurance will help you assess your potential risks and then build a California business insurance program. While we are located in Vista, CA we are able to serve all of your insurance needs throughout SoCal and California.

State regulations will determine basic Orange County and San Diego business insurancerequirements. Among the commonly required policies are workers compensation, unemployment, and disability insurance. But these may not be enough. Business insurance packages can include any of the following coverages:

Business Owners Policies (BOP)
Worker’s Compensation
General Liability
Errors & Omissions
Commercial Auto
Commercial Property
Group Benefits
Professional Liability

Companies come in all variations of shape and size, so Alta Vista Insurance makes a point to personalize each San Diego business insurance policy we write. There are many coverage lines to consider when developing your California business insurance package, and that can become overwhelming – we understand that. Our agents will work with you to establish a policy that is tailored to your specialized commercial insurance requirements.

Give us a call today at 877.410.9099 for more information or to get started on your California business insurance quote!

Vista California San Diego Auto Insurance

Posted on September 4, 2017January 12, 2021 by admin

Get the most out of your California auto insurance policy with Alta Vista Insurance.

State laws require all drivers to obtain automobile insurance before registering their vehicle. In California, auto insurance laws are no different. This makes auto insurance one of the most commonly sought lines of insurance.

At Alta Vista Insurance, we understand that you may not want to spend a great deal of time purchasing a California auto insurance policy. You can get the ball rolling quick and easy by filling out the free quote form on this page. You also have the option of speaking with one of our knowledgeable agents for a more personalized experience.

We offer the following California car insurance options:

Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
Collision – insures the policyholder from loss during a collision with another vehicle or object.
Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.

Alta Vista Insurance wants to help you find a cost-effective, comprehensive California auto insurance policy. As an independent insurance broker, we can browse our list of insurance partners to determine a plan that best fits your lifestyle – this is a perk the chain insurance companies cannot offer you. When you work with Alta Vista Insurance, you are a click away from low cost California car insurance.

Call our office today to find out how you can save on your California auto insurance policy.

Builder’s Risk

Posted on September 4, 2017January 12, 2021 by admin

There is a window of time – when the ground is broken on a new construction project – when liability falls squarely on the shoulders of the general contractor. If a crane falls, a worker is injured, or the work is faulty, it’s the responsibility of the GC to provide compensation.

The good news is that this liability ends when the project is completed. In fact, the GC is only responsible for any liability if negligence is found to be the culprit.

At Alta Vista Insurance, we can provide you with comprehensive and affordable builders risk insurance coverage. It can be customized to cover a host of tools, equipment, and skilled employees in addition to the actual structure being built.

Bonds

Posted on September 4, 2017January 12, 2021 by admin

Let’s be clear: bonds are not insurance policies – they’re guarantees. It is not uncommon for business and contractors to have certain projects bonded to ensure they are completed, no matter what complications may arise. At Alta Vista Insurance, we specialize in providing both large and small businesses with the following bonds:

Performance – to guarantee the performance of contractually agreed upon work
Bid – guarantees the beginning of work following the winning of a bid
Indemnity – guarantees any losses should a party fail to meet deadlines
Payment – promises payment to all sub-contractors and vendors
License – a bond guaranteed to a state or federal agency

Contact Alta Vista Insurance to find out how our bonding services can be tailored to meet your specific needs.

Crop Insurance

Posted on September 4, 2017January 12, 2021 by admin

Your crops are just as important an investment as your home or farm. In stands to reason that you should be able to purchase the protection you need to hedge against natural disasters or the fluctuations of commodity prices.

Whether you need crop-yield or crop-revenue insurance, we can help you find an affordable balance.

Learn more about Crop Insurance solutions – the costs, coverages, and exclusions – by speaking with an Alta Vista Insurance agent today.

Contact Alta Vista Insurance now for further details.

Farm and Ranch Insurance

Posted on September 4, 2017January 12, 2021 by George Francis

Our Farm & Ranch coverage is one the most comprehensive and affordable coverage plans in the industry. It starts with the basics – your home, your farm or ranch, and your assets – and can extend to cover your personal and work vehicles, your crops, and even your livestock. You can even pick and choose the niche coverage you need, including natural disasters, identity fraud, animal collision and more.

Each year there are an average of 22 deaths per 100,000 farmers and ranchers nationwide. Accordingly, the National Safety Council lists farming as the second highest hazardous occupation in the United States, second only to mining.

At Alta Vista Insurance, we can even help you with liability coverage as well. Our flexible Farm & Ranch liability coverage can cover personal and farm liability, when you need it and as you need it. This extends to family farm partnerships, corporations, and trusts and can cover everything from your home to your heavy machinery to your livestock.

We can fold all of your coverage into one, all-encompassing policy, saving you time and money. In fact, with our Common Loss of Deductible clause you only pay one deductible if the same unfortunate event damages multiple pieces of property covered by separate policies. That’s our level of commitment to your protection – and your prosperity.