Entrepreneur DNA- Is It In You?

Entrepreneur Tour Logo
Our goal on this Entrepreneur Tour, is to inspire, educate and inform new and established entrepreneurs about why it’s the perfect time to take control of your life and “Vote 1099”. Here are a few tests to see if you have the makings of an entrepreneur. See you on the road and make sure to use #Vote1099 on all your social media posts.

Do You have What it Takes to be An Entrepreneur?:

What’s Your Entrepreneur IQ?:

Take the Poll:

PHP’s 2016 Contest to Costa Rica


Who doesn’t like to travel? There’s something special about working hard and being rewarded for your efforts and we love to reward our top performers at PHP. Every year we pick an exclusive destination around the world to travel to and lets just say that some of our agents are racking up their frequent flyer miles. Some of our past trips include:

  • Cancún
  • Dubai
  • Italy
  • Puerto Vallarta
  • Hawaii
  • Aspen
  • Caribbean Cruise
  • Maui and many other incentive trips.

2016- Westin Golf Resort & Spa

Those who qualify to this year’s trip will enjoy a 4 night and 5 day stay at the world famous Westin Golf Resort & Spa (Playa Conchal) All- Inclusive 5 Star Resort.

Will you be joining us this year?

To find out how to qualify, login to your backoffice for the PDF with Qualification Dates and Details. We will see you soon.


Life insurance

Is there a “right” age to buy Life Insurance?

by: GoAskNewton.com

We get this question all the time: When is the right time to buy life insurance? Is it when you have kids? When you get married? When you own a home?

The truth of the matter is purchasing life insurance is a sensible step that everyone should take to ensure their loved ones will be provided for.

So the question isn’t, “should I get life insurance?” but rather, “how much life insurance?”

Here is a quick guide to how life insurance can help you from your 20s through your retirement years.


  • 20s – In your twenties life insurance is inexpensive and easy to get.
    • At this stage of life, most are entering the workforce and starting to think about building savings.
    • If you have significant student loans, be sure to at least have a term policy for that amount. In the case that anything were to happen to you, your family won’t be left with the burden of your student debt.
    • Even if you don’t have a family or large assets to protect, a good rule of thumb is to get a policy that is at least four times your annual income.


  • 30s – In your thirties you are now likely to have a family and assets to protect.
    • Be sure to supplement any life insurance policy your employer gives you.
    • Your income is likely to have increased and therefore your insurance needs should too.
    • Be sure to factor in your home and other large debts, on top of your family’s needs. A good rule of thumb for your thirties is ten times your annual income to help account for kids and assets.
    • However, be sure to factor in both working and stay-at-home parents in to your life insurance policy. If something were to happen to the stay-at-home parent, life insurance could cover childcare and other services that the stay-at-home parent provides.


  • 40s – In your forties you now are thinking about your retirement, planning for kids going to college and the possibility of disabled parents.
    • By this time you should already have a significant policy in place, but at this stage it is a good time to sit down with your financial advisor and reevaluate your policy to ensure you have proper coverage.
    • Be sure to you don’t have a term policy that will run out while your kids are still dependent on you or before you have paid off your mortgage.
    • If you haven’t already, look in to a permanent insurance policy which not only has important financial protection, but also has cash accumulation which you can use to help fund your children’s future college expenses.


  • 50s – By the time you are in your fifties, you likely have kids in college and parents that need care.
    • At this stage, you will want to tap in to your permanent life insurance policy’s cash accumulation to help pay for some of your larger expenses like your children’s tuition.
    • If your kids are now independent, reassess your policy to make sure you aren’t paying for coverage you don’t need anymore.
    • Life insurance will be much harder to get at this age because of existing health problems. Getting coverage in your fifties, although important if you don’t have any, won’t have the same long-term cash accumulation as a policy that you could get in your younger years. If you’re reading this and still unsure about getting life insurance when you are young, let this be your reason to not wait any longer so you don’t miss all the previously mentioned benefits!


  • 60s – Building your legacy, protecting your assets and your retirement nest egg.
    • In your sixties take a look at the size of your retirement nest egg and determine whether additional life insurance is necessary in case you or your spouse pass.
    • Now is a good time to sit down with an estate attorney to look in to a family trust and/or inheritance that could use your existing insurance policies.

Now that you know life insurance is important at every age, meet with an agent to help you determine how much life insurance is recommended for you.

life insurance awareness month

Startup Entrepreneur Tour Highlights 2015

PHP Agency and Patrick Bet-David went on a 30 day road tour to inspire people all over the U.S to become entrepreneurs and follow their dreams. Here are some of the memorable moments from the trip.

Author/Entrepreneur and CEO of the PHP Agency Patrick Bet-David embarked on a 16-city ‘Startup Entrepreneur Tour’ that traveled across the country from June 9 to July 9, 2015. The  seminars were held in each city and were free and open to the public.

“As we approach a big election season, I wanted to do a campaign-style road tour that brings attention to the need for more startup entrepreneurs,” said Bet-David. “I want to encourage and do what I can for the many would-be entrepreneurs out there. More people need to understand what it takes to be an entrepreneur and that more new entrepreneurs means more new jobs.”

“more new entrepreneurs means more new jobs.”

The need for entrepreneurship couldn’t be greater. According to the Kauffman Foundation for Entrepreneurship, new and start-up businesses account for “nearly all” net new job creation and almost 20 percent of the gross job creation. In contrast, a recent study published in the Los Angeles Times cites that 83 percent of college graduates do not have a job lined up as they exit college.

AIG-Startup-Entrepreneur Tour

AIG Executives take a quick pic with the PHP Startup Entrepreneur Tour Bus. AIG was one of the partners on the Startup Entrepreneur Tour.

The ‘PHP Startup Entrepreneur Tour’ kicked off in Palmdale, CA on June 9, and made stops in Bakersfield and Ventura before heading east. From there it hit Albuquerque, Dallas, Houston, Austin, Jacksonville, Miami, Atlanta and Chicago. It ended the tour with another run through California in Redding, San Mateo, Los Angeles, Rancho Cucamonga and finally, in San Diego on July 9th.

“This country was built on the backs of individuals who believed in the power of entrepreneurship,” said Bet-David. “And we need to bring that spirit back if we want to see more jobs and prosperity in America.”

The ‘PHP Startup Entrepreneur Tour’ was presented and sponsored by the PHP Agency, with support from both AIG and Nationwide insurance companies.

php agency puerto vallarta

PHP’s Puerto Vallarta Contest- December 2015

December 13-17th 2015!

Agents at PHP are competing for a chance to attend the Million Point Baseshop Clinic held by PHP Agency. Those who meet the criteria to attend, will be experiencing a Summer during Winter season this December! To find out more about how to qualify or to get more information about the opportunities at PHP Agency. Email info@thephpagency.com

Joe Jordan Predicts the Future of Financial Services

Joe Jordan Financial Industry Legend made a special guest appearance last week to The Startup Entrepreneur Tour in Granada Hills, CA. The speech he gave left in everyone in attendance shocked by what he had to say about the future of financial services, the millennial generation and where the 65 year old retirement age came from.

“The fundamental mission and purpose of our business is to make sure that people who are outliving their entitlements, can have independence and dignity in their old age because this is the new standard, it’s called YO-YO-  You’re On Your Own.” – Joe Jordan

Who is Joe Jordan?

Financial Services Industry Legend 
As the Ambassador of Significance and best-selling author, Joseph Jordan is an industry legend with more than 40 years of experience under his belt. Joe’s career in financial services spans every facet of the business, from insurance to annuities to Wall Street. 
Joe Jordan began his career with Home Life Insurance Company in 1974. Directly after running insurance sales at PaineWebber, he joined MetLife to build its annuity business. Later he was responsible for all MetLife retail product development, initiating fee-based financial planning. Joe also founded the Behavioral Finance Organization at MetLife. After holding the position of senior vice president at MetLife, Joe turned his focus to sharing his inspirational message with financial professionals around the world. 

You can follow and see what took place on The Startup Entrepreneur Tour campaign on Instagram, Twitter and Facebook #WhyStartup.

More from Joe Jordan:

PHP Agency is a financial services marketing organization. Find out more about the work environment and team culture here: A Taste of Our Culture

The Harvest is Plenty but the Working Entrepreneurs Are Few


by: Polet Sabetimani

“Harvest is plenty, but the workers are few.”

This may be one of my favorite verses in the book of Matthew. Now lets set aside the religious meaning to this verse for a moment doesn’t it sound like a description of why some people are successful and others aren’t?

When I read this for the first time, I wondered why the workers are few? I remember one day my personal trainer telling me, “Polet, you will work out, and as a result you may feel a little muscle ache, but don’t quit. Just come back.” Also on another occasion as a volunteer at a non-profit, the leader said, “Thank you all for volunteering, but there will be times that you may not feel like coming–just join us anyway.”

By nature we are easily drawn to comfort versus challenge, growth, and work.

Then I read the verse again, focusing on the word “harvest.” What is a harvest? Harvest means accumulation, return, and result.

I learn a lot from nature. In my opinion God created nature to give us examples of consistency, worship, peace, and multiplication. Another verse in Genesis says, “As long as the earth endures, seedtime and harvest, cold and heat, summer and winter, day and night will never cease.” So we will always need workers.

If you were to plant an apple tree, could you see the apples that will be produced by simply staring at the seeds? No. It is an image we have in our mind. Faithfully, we plant that seed, hoping for a harvest. The verse goes on to say that harvest is plenty, and from one apple seed there will be a tree with hundreds of apples on it. That same applies with any other seed–lemon seed, orange seed, kindness seed, ministering seed, prospect seed, follow up seed, referral seed. You get the point.

I believe there are many reasons why people don’t experience a harvest so plenty, but here are three reasons that resonate among most entrepreneurs that I have studied and paid attention to:

1. No Patience

Most people want instant gratification instead of delayed gratification. I once heard a mentor say that as competitors and result driven entrepreneurs, we must be “aggressively patient”. Sometimes the rewards are worth the wait.

2. Limiting Beliefs

We’ve all heard the many stories of people who were anchored by their limiting beliefs and once they broke free of them, experienced massive success. Ask yourself, is there anything that is holding you back from reaching the next level? Do you have an anchor pulling you back? If you do, unless you decide to break free, you will keep getting the same results.

3. Low Self-image

There’s a quote I read that said “our self worth determines our net worth”. Therefore a low self-image will give us less than expected results. Understand that elevating your self image takes time and consistency in your habits; the good kind of habits. Are you reading? What are you reading? How’s your self talk? A great way to start feeling uplifted is to encourage others and pour belief into people. You are unique and have something special to give to the world, so remind yourself of that everyday.

Sometimes when we start working out, we want to get into shape overnight, or when we build a business we want to become a millionaire in two hours. But the pregnant lady doesn’t get pregnant and give birth in one week. Instead, it takes 40 very interesting weeks, and once she holds the baby she thinks to herself it was totally worth the wait. Through the anticipation of having a baby, a woman becomes a mother. She transforms into a new person.

In order for us to experience a harvest in business or as entrepreneurs, we have to be the workers that plant seeds consistently in the areas we want to see growth in; then in due time we will reap the results. We may be planting black cherry that grows 4 inches in a season or a bamboo tree that may take 5 years to grow. As we get into the world of entrepreneurship, we don’t come in with experience, so we need to develop ourselves to transform from an employee mindset into a business owner mindset. We become the workers that are few, and we will increase in numbers over time.

Many people are lost out in the world. They are in need of financial education, marriages are falling apart, people are settling for less than they deserve, going from living to just existing, children are getting involved with the wrong crowd because they don’t have the right mentors. But when we believe in ourselves that we are created to do good in this world, I believe that with faith and hard work, we can accomplish anything, because the secret has been revealed to us: The Harvest is plenty.



Polet Sabetimani is a Marketing Director at PHP Agency out of Burbank, CA.


Super Mom

by: Marlene Gaytan

Can women really have it all? A successful career and a balanced family life?

As a newly initiated mother, I soon found myself pondering this dilemma that has plagued countless women before me. What career choice would allow me to “have it all”? I found only one answer: a MOMTREPRENEUR.

There is a revolution currently taking place. With job security and satisfaction at an all-time low, women are joining the free enterprise movement like never before. According to the Center for Women’s Business Research, women are starting businesses at nearly twice the rate of men. And women with children are jumping on the band wagon, each momtrepreneur with different business goals and family situations endeavoring to find that balance.

Mothers more than ever want to be liberated from the confinement of the 9-5 schedule and 40 hour work week that has dominated our working culture. Women today want the freedom to control their schedule, without the fear of calling in sick because their child has an ear infection or they want to attend a ballet recital. This is when in a corporate setting most mothers feel pressured to choose between the job and income they need or time and quality of life with family. Mothers are seeking the freedom to control their time and are finding the only way to have that freedom is to start their own business.

Lack of job security is a contributing factor in this movement, with technology replacing jobs in various industries and the constant threat of being replaced with a recent college grad who would be more than thrilled to do your job for half the cost. There is now a new-found inspiration to explore different options. “The glass ceiling that once limited a woman’s career path has paved a new road towards business ownership, where women can utilize their sharp business acumen while building strong family ties,” says Erica Nicole, who left Corporate America to start YFS Magazine.

“Women today want the freedom to control their schedule, without the fear of calling in sick because their child has an ear infection or they want to attend a ballet recital.”

With dwindling wages in today’s economy, it’s almost impossible for a mother to afford adequate child care. After all, what mom wants to spend the vast majority of her paycheck to have someone else raise her kids? And YES! We do want it all. We want to be able to spend time with our children, we want unlimited income and growth potential, we want to be in control of our time and our destinies, and more than ever, we want to be our own boss.

Here are a few points on how to maximize the momtrepreneur in you:

1. Find a mentor:

Starting a business can seem intimidating because it’s something new. Search for role models you can look up to and people who take an interest in your growth. A good mentor is invaluable in the success of your business. 

“A mentor is someone who sees more talent and ability within you, than you see in yourself, and helps bring it out of you.” —Bob Proctor

2. Invest in your growth:

There is such a thing as a good investment, and that’s an investment in your personal growth. Successful entrepreneurs are always growing their identities. They use tools such as books and seminars to increase their knowledge in their fields. A great book for anyone that has an interest in learning about business is Think And Grow Rich by Napoleon Hill.

3. Remember that it’s okay to ask for help:

Moms already have busy schedules with kids, errands, bills, kissing booboos, and scaring away the boogie man. It’s easy to get overwhelmed. Recruiting a good support team such as your spouse, grandparents, neighbors, nannies, and friends is absolutely crucial. 

“Alone we can do little, together we can do much.” —Helen Keller

4. Find likeminded associations:

When it comes to relationships, we are greatly influenced by those closest to us. Associations affect our way of thinking our self esteem and our success. Avoid the negative doubters and critics and instead seek out the positive and fortunate. Remember, birds of a feather flock together.

5. Start part time:

It may come as a relief from your previous schedule, but the vast majority of businesses begin part time. Starting a business like any new venture is a process. You can take the plunge and still have the security of a stable income.

Momtrepreneurs are pleasantly surprised to learn that many of the skills required to run a family—such as organizing, educating, communicating, collaborating, delegating, and multitasking—are all indispensable skills in business. With more and more moms taking the plunge, there’s no doubt this movement is picking up momentum. Whether you are pitching a deal to Shark Tank or starting an in-home business, there’s no denying that momtrepreneurs are here to stay. 

How do you maximize the Momtrepreneur in you? Please share your thoughts.




Marlene Gaytan is an Executive Marketing Director at PHP Agency in Burbank, CA.

Packing a Lunch: 4 Tips to Benefit Your Waistline and Wallet

save money pack lunch

by: Jessica Coulthard 

What is the cost of convenience?

The smell, the taste, the good company, the service, and most of all the convenience of going out to eat all make it such an enjoyable experience. Like many Americans, my favorite pastime is food! I love trying different recipes, I love the experience of tasting something new, and I love it even more when someone else makes the meal for me. After being a waitress for six years, my taste buds got a little spoiled—as did the rest of me, as I never had to cook any of the food myself.

Once I retired as a waitress and started running a business full time with my husband, it didn’t take long to pay the price of convenience. We loved each other’s company more than anything else, but we would get coffee in the morning, lunch around noon, and then on the way home grab more food and have dinner together. After doing this for about a year we noticed our waistlines were getting bigger—but our bank account, well, not so much.

We started really paying attention to where our money was going and realized we were spending at least $300 a month on food outside our home. Coffee alone was $60 a month. That’s crazy!

So we decided to jump on the band wagon of “meal prepping.” I noticed how simple it was to buy a bunch of plastic containers and make 8-10 meals for the week. That alone would save me a minimum of $50 a week. But because I was so routine with our meals for about a month, I noticed my husband started sneaking fast food again a few times a week. After stopping and starting over again and again, I started to notice a trend: If it’s boring, we get burnt out, just like with anything else.

The most important thing I can say about taking a lunch on the go is to be creative. There are so many wonderful things we can do with simple ingredients. We have all been guilty of it at one time or the other. We have all said it and we have all heard it: “I don’t have time.”

“I don’t have time” was a very frequent phrase out of my mouth. Like I said, we have all been guilty of saying that, but we all have the same 24 hours in a day. Since we usually have Sunday dinner with family every week, I started trying to figure out things to cook that could also be used for the week. That saved me a lot of time. We can call them intentional left-overs. It made it easier to prepare meals and add sides to my prep dishes. Along with more food ready to go in my fridge, I also started keeping quick and filling things I could eat all around me. I have a stash of snacks in my office and in my car. That way I can easily grab something satisfying without all the processed food and extra spending.

The best part for us as busy parents, spouses, and business owners is we really get to treat ourselves once in a while. Instead of spending carelessly all the time, we can spend more without the guilt on special outings and dinners that can be planned or spontaneous. I believe with any discipline you deserve reward.

“Some people regard discipline as a chore. For me, it is a kind of order that sets me free to fly.” – Julie Andrews

To keep it simple, here is our recipe for meals on the go:

1. Be creative.

In a world controlled by the internet, there are millions of recipes that are quick and easy. You can make great salads that are good for you and delicious. My husband loves the crock pot! He believes it is the easiest was to cook large portions without all the other hassle and dishes. There are no limits.

2. Be prepared.

After eating salads for a couple weeks, you may relapse to fast food like we did. I wasn’t getting satisfied anymore. I bought a small microwave and put it under my desk. No one can see it, but that microwave has made such a difference in the variety of our meals. As entrepreneurs we need to live a healthy lifestyle if we want to keep our energy levels high—and while I admit I am not a health expert, when we cook at home we know exactly what we are eating, whereas when someone else cooks we just don’t know.

3. Make time.

I agree with the phrase “time is money.” Just like in our business and parenting life, time is designated when it comes to eating. We have special time set with our son and time that is just for business. Cooking on Sunday night and Thursday night became a habit that is now a routine. Sometimes we get home late, so it’s nice to not have to stay up and cook every night.

4. Treat yourself.

Throw a few cookies in that bag. Maybe even a couple pieces of candy. When we work hard to accomplish something—even when it’s uncomfortable at first—the reward is so much better.

No matter how good of a cook I may become, I will always love food so much more when someone else does the dirty work for me. But through these simple steps, my husband and I have built a routine that benefits both our waistlines and our wallets. 

Do you have a lunch packing recipe? Please share!

How Packing a Lunch Helps Your Waistline and Your Wallet





Jessica Coulthard is a Marketing Director at PHP Agency and runs the Ventura, CA location with her husband Matt Coulthard.

Don’t Talk to Strangers?

crowd of people walking on city street

by Cecilia Vargas

I can still hear that warning in my head: “Cecy, don’t talk to strangers!” 

When I was twelve years old, I started to hear that more and more often from my parents. They warned me to be careful who I talked to on the street and not to give away any information about myself.

I understand that my parents were protecting their little girl; but when I grew older and became a business woman, I started to find out that this principle is completely the opposite in the business world. At a recent conference, Brian Tracy said that “the more people you know who have a positive opinion about you, the more successful you can become.” Similarly, my mentor taught me early in my career that “the person who shakes the most hands, is the person who makes the most money.”

I recently came across a predicament: Talking to strangers is a big part of my business, but why is it uncomfortable every single time? I  almost have to force myself to talk to strangers each evry single time, even though in the last four years of my career, nine out of ten conversations with strangers have led to great business opportunities. Those same conversations have also led to referrals, and most importantly, great friendships. Through talking to strangers, my husband and I have been invited to one of the coolest birthday parties we’ve ever been to. We’ve also been asked to speak on three tv shows, two radio programs, an awesome limo party, an amazing homemade steak, a ride on a boat on one of the most beautiful lakes in Texas and at my husband’s birthday party, we were fortunate enough to have a full house of new friends; after just living in a new city for about a year and a half. By simply shifting my mindest towards strangers, I have met some of the most interesting and amazing people.

“the more people you know who have a positive opinion about you, the more successful you can become.”

I read this quote from a life coach recently: “What you’ve got when you interact with strangers is the development of empathy.” When you talk to someone and you find common ground, you can really make a connection and yet as I said before, every single day I have to force myself into starting a conversation with a stranger!

Finally, I decided to dig deep into this issue to understand what was stopping me from fully enjoying this experience of meeting new people. I started to wonder about it and I could hear those words in the back of my mind repeating what I learned when I was little: “Don’t talk to people you don’t know.” Afterall, I was trained as a kid in El Salvador not to look into the eyes of people on the street, so maybe that’s part of it—or maybe I still believe in the myth that others are not interested in talking to me.

Nevertheless, I decided to debunk the myths surrounding strangers. Did you know that a study done by researchers at Harvard showed that talking with strangers can be at least as important to our daily happiness as talking to our close friends and family? In the study, those who took the time and talked with strangers at the coffee shop, at the store, in line at the bank, or on the elevator, tended to enjoy the moment and ended up feeling happier than those who didn’t talk to anyone. Researchers expected this to be the case only with those who were extroverts; but to the researchers’ surprise, people with all types of personalities were happier after interacting with strangers.

So if we are happier when we talk to people we didn’t know before and this action could have a great impact on our health in a positive way, why not make it a habit?

Go and make somebody happy today! Compliment someone or strike up a conversation and create a new connection. I promise that you will really enjoy the experience—and you might end up making a wonderful new friend. My new philosophy on talking to strangers is this: I’m helping others have a happier day. 

Cecilia Vargas

Cecilia Vargas is a Senior Marketing Director and Financial Services professional at PHP Agency. She is on the board for The PHP Ladies and with her husband, runs one of the top offices at PHP in Houston, Texas.

Connect with Ceci on Linkedin