WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial, legal, counseling,
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professional service, or any advice.
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You should seek the services.
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Of competent professionals before applying or trying any suggested ideas.
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Attention to individuals, families and caregivers. It's Medicare Hour and
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More with Peter right here on k for HD Radio.
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This is the podcast for all types of intron solutions
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while specializing in Medicare because we Medicare. Here's your host, Peter,
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aren't Joseph.
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Patience That's the biggest one, you know, especially if you're
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just starting out. You have to understand that things take
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time and just like everything in life, and so you
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can't hurry the process. You've got to be patient, and
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not only with your business, but also with your clientele
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that you do business with.
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Awesome For today's episode, I'm so honored to interview a
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good friend in a business colleague, Peter Joseph, a husband,
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a dad, prenier and the founder of Joseph insurance broker
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who specializes in helping seniors in the medicare space for
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the past three years. He spent the last two decades
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prior in the nonprofit sector and has been recognized as
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a top rated health insurance broker as well as has
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garnered an A plus rating with a Better Business Bureau.
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But in my opinion, the biggest accolade of all is
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he is a true servant at heart. Peter, are you
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ready to take us behind the curtains and dig into
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your story?
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I definitely am. Chris, bring out the shovels.
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Let's dig for gold.
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Thank you, Thank you. Well, I've given our listeners a
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little bit of a sneak peek of who you are.
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Why don't you tell him a little bit more about
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yourself and what it is that you do.
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Yeah, I'm based out here in Chino Hills, California, and
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I've been as you said earlier, I've been in the
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nonprofit sector for about twenty two years and for a
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lot of different reasons, but the main reason was we
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wanted to kind of basically get into a business that
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was a little bit more stable, didn't have our family
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move around so much, and we were actually really tired
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of the politics of the nonprofit section, so decided to
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try to find a business where my skill set would
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easily transfer and lo and behold, I found a niche
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market where a lot of our seniors are confused by
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the Medicare process. They want some education, they want some
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free resources, they want to just have a conversation so
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that they can better understand the processes behind Medicare. And
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so I felt like this would be a great skill
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set for me to transfer into because I've got such
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a servant's heart. I love helping people. That's been all
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about me for the past thirty some years. So I
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easily kind of just went right into this business and
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it's taken off ever since. Like you said, I am
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a husband and a father. I've got two kids, a
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six year old he just turned six, and then my
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daughter who's eleven, and so they're both active in the
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community here. They go to a local school, and so
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that's a little bit about me.
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Fantastic, Well that from your perspective, what would you say
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something interesting that your family and friends you would think
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that they would say about you if they were to
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describe you.
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Well, for for those who don't know, I am my
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family does come from Egypt. I was actually born and
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raised here, but it's kind of an interesting unique characteristic.
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I know that myself, Yeah, and so I you know,
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I would say one of the main things that people
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see in me is that I'm highly engaged and active,
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and I'm always looking at ways to better communities that
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I live in or organizations that I'm a part of.
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I'm always looking at ways to build them up and
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give kind of that positive encouragement that's needed. And that's
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just from my background in the nonprofit sector, and so
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I always want to give back. That's that's kind of
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my motto.
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That's amazing. Well, speaking of that, how would you describe
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your life mission?
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I would say my life mission is is to be
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in the process or the aspect of bettering others around me,
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and so in whatever ways that I can do that,
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that's that's my end goal. And the reason that my
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life mission is that is because I know that if
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I help others, it's kind of like karma, it comes
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back to you. And so I'm not doing it because
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of that. But obviously, you know, the more people you help,
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the more positive energy you put out there, it's going
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to come back to you. And so I've noticed in
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my own business in helping communities around me and and
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helping them increase their revenue or increase their clientele or
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help them become better entrepreneurs, that's increased my business and
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you know, they've referred me out to their own clients,
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so it's a win win for both.
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That's fantastic. What would you say people misunderstand about you
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as a person.
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I think the most the number one misunderstanding is people think, oh,
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he's a broker, so he's going to come off as
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sales e and that's definitely not anywhere close to who
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I am and my personality. I'm never pushing anything onto people.
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I'm all about educating and making sure that people understand
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the process behind things, and so you know, I hope
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through those conversations that they trust my judgment and that
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they do become my clients down the road. But I'm
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never you know, my services are completely free. I'm always
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about giving advice out and hopefully that will you know,
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help them along the way as well.
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Is there something or one thing that you value the
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most in life? If there is, what would that be family.
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That's huge for me and one of the main reasons
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I went into this business is so that I could
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have some flexibility and be involved with my kids' lives,
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whether it be a volunteer coach for soccer and basketball
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and the sports that they're playing, whether it's being active
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on their school campuses. You know, it's a little different
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of course with COVID now, but anything I can do
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to be involved in my kids' lives and to spend
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quality time as a family unit. And so my wife
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and I every year will take two large vacation times
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out and we'll go somewhere local and then we'll go
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somewhere abroad to have that quality family time and to
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build those relationships up.
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That's fantastic, you know, family being important to have. You
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thought about outside of the family unit, the impact that
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you will have in the next five years or so.
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In terms of the community abroad or.
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Yeah, community in general. Like you being like Peter Joseph
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out in the world, what would your impact be in
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five years?
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Well, I hope my impact is that I get people
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situated on the right health insurance needs, because That's what
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I'm all about, and so I want to make sure
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that anyone I come across with is well educated in
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the health realm, and that there's no surprise costs that
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come their way, that they're well taken care of, that
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the families are well taken care of, and that that's
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about that's about it.
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I'm curious, if you had won one hundred million dollars tomorrow,
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what would you spend it on.
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Well, if I won one hundred million dollars, I would
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probably give a majority of that back to my local community.
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We've had our roots in Chino Hills for the past
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probably six years now, and so we would want to
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give that money back to the local schools here because
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my kids are growing up in this community. We would
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want to help, you know, invest in community type centers, ballparks,
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places where kids and families can enjoy the outdoors a
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little bit more. And the other thing is I would
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probably give back to I have a good friend who's
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part of the Foster Youth program. It's a nonprofit company
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that she works for, and I would probably give a
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lot of money towards that organization as well. Have a
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heart for kids, and so I want to make sure
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that you know, foster kids are well taken care of
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as well, and that they've got the resources in place.
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Maybe you tell us what's the name of that nonprofit?
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The name is now I can't remember the exact name,
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but Casa of San Borandino. I don't know if that's
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the full company name, but that's how it's addressed, so perfect.
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You know, in the show notes or on the descriptions
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of the video. We'll connect offline and once you let
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me know what that is, I'll make sure to link
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it in the descriptions of the video so people can
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kind of check that out as well.
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Perfect. Perfect.
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So what was your you know, being the last almost
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more than two decades, right, being a nonprofit, being a servant,
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and then transitioning into this. But growing up you had
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a background, right, what was your child like a childhood like?
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Growing up?
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Well, you know, unfortunately, my parents divorced when I was
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five years old, and so my dad is the one
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who raised me. I was the only child, and it
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was it was difficult growing up. I will tell you
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that because of the Egyptian culture. I, like I said,
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I was born and raised here in California, so I
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was very Americanized. My dad, on the other hand, had
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that thick Egyptian accent, and I was trying to maneuver
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both the American culture and the Egyptian culture. So it
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was kind of fascinating to see we could be kind
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of a reality TV show. I'm sure that through that,
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you know, he he did a tremendous job in raising
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me with with great values and great integrity. And I've
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used that throughout my life growing up, through my schooling,
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through my education, uh through my my current business as well,
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and so you know, I was highly involved with churches
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growing up. I was playing basketball for several years. I
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played on the high school teams. I was on the
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freshman sophomore team, and then my junior year, unfortunately I
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blew out my knee, and so I figured out ways
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to maneuver around that as well, and I became the
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camera person for our basketball team since I couldn't be
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on the varsity team with my health issues. And I
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began coaching, and so I coached AAU I coached in college.
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I always have had a heart for for kids, and
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so you could see that throughout this interview. I mean,
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I'm talking about foster kids, my own kids. I was.
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I was a youth pastor growing up, so you know,
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I really want to make sure kids that are growing
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up have the tools in place they need to succeed
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in life. So that's a little bit kind of a
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little snippet of my background.
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That's very interesting. I didn't know that about you. I
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think that's one thing in common that we have. You know,
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my parents separated when I was a and I was
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I think two years old as well, and I grew
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up with my with my grandparents, and my grandpa was
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very you know, he was a university president and so
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you know, he was very, very very strict. So and
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you know, I migrated he and my mom lived here.
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So I think, you know, even for me growing up,
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being trying to balance, you know, going to school back
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in the Philippines and then coming back here, going to
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school here, like you're never you never have like a
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complete like understanding of both cultures. But I think the
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good thing about it, I mean, even for you as
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you get older, you kind of getting grained with both,
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which I think gives you a different perspective in life,
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which kind of helps. I feel it helps us kind
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of navigate the world, especially now. I mean, hear us
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living in California like we are. This is a very melt.
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It's like a melting pot of cultures, like almost like
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the second largest melting pot maybe outside of New York.
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I would say, so, I think, you know, it's good
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for us to be able to navigate on that.
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Yeah, and I totally agree with that. I mean, I know,
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my father was one of five brothers. He was the
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first to come over here in nineteen sixty eight, and
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the reason I left Egypt was to have a better
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life for themselves, to escape a lot of the religious
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persecution they were going under as well. And so you know,
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that mentality grew on me. And so obviously I'm always
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looking at ways to provide for our family and make
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them as comfortable as possible. At the same time, I'm
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looking at, you know, situations where I can help those
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who are less fortunate and don't have the means or
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the resources, and so I want to be a part
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of that in a positive way.
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Curious, did you have a dream career or like a
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dream job as a child.
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I did. I actually wanted to go into sports medicine
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growing up. I was a huge Lakers fan, and so