Shine Insurance Agency

Say goodbye to stressful insurance, at Shine, we’re here to protect your journey.

SHINE makes the best insurance companies compete and the winner is you! Whether it’s insurance for HOME & AUTO or REAL ESTATE INVESTORS, the result is smart policies, with the highest rated companies, at incredible prices.

Our mission is to change the way you feel about insurance. That starts with smart simple policies and continues with a commitment to social justice. We help local organizations by cutting checks and sharing our time.

We take something complicated and make it understandable. Advice is provided every step of the way and advocacy when you need us most. When you get insurance from Shine it actually counts for something, whether you need to use it or not.

CEO | CRE Insurance Specialist

CRE Clarity Podcast

Your number one goal as a property investor is to build financial freedom faster. Every new property represents the potential for early retirement, more vacations, a new hobby, and a deeper connection with your family. But the wrong buy could be a money pit and take you ten steps in the other direction as well. The difference between success and failure is how you manage RISK.  The more you understand and manage risk the quicker the path to financial freedom. Learn more at www.commercialrealestaterisk.com.

Host

Harmony School

Explaining things and helping people grow has always been a part of my journey.  I studied to be an art teacher in college and did that for 5 years in Vermont.  But when my son passed away, I found myself back in Bloomington, IN with a hole in my heart and a vision for helping as many kids as possible.  Fortunately, Harmony School saw the value in what I wanted to do and gave me the opportunity to teach there.  I basically had total freedom the build curriculum around math, reading, science, PE, and everything else.  So each year we waded through streams, built imaginary businesses, invented games, got a few bumps and bruises, and immersed ourselves in learning what this world has to offer.  It was a time I truly loved and will never forget.

3rd & 4th Grade Teacher

Jeremy's Lawn and Landscape

I started mowing lawns when I was 13.  First with a small push mower but pretty soon I was cruising around behind a 48" Exmark Walk-behind mower.  I couldn't drive yet so I'd stand on one of those wheely things attached to the mower and just ride from house to house.  My headphone were blaring Guns N Roses and Metallica.  My left ear is at about 50% as a result but I can still sing every word to "Sweet Child of Mine".  High School turned into college, college evolved into a job as a teacher and throughout it all, I mowed lawns.  There's something I love about Throwing on headphones, turning on an engine, and seeing how straight I can make the lines.

Owner & Lawn Stripe Extraordinaire

I help protect the most important assets you own. 

Life is about taking risks.  Starting a business, buying a property, putting salad on your 4 year old’s plate.  We take risks, big and small.  

Some of the biggest risks, we can’t take alone.  

So we reach out to our community for help.  Lenders, friends, contractors, and advisors.  I'm the one you reach out to for help building the insurance program that protects your property, people, and purse.

Clients invite Shine into their journey because we make insurance simple. 

The reality is, there are a ton of bad actors out there.  Insurance agents selling worthless policies, public adjusters disguising themselves as risk advisors, and coaches teaching you dangerous tactics.

So, way too often, I'm a fixer. For those folks ready to get protection right, we offer simplicity paired with peace of mind. 

Our system, the Shine Shield, is built to make smart insurance simple.  We’d love to see if it’s a fit for you.

I learned something unexpected from Scottie.


"Golf has never been my whole life, it's just something I do."

Sometimes the greats teach us lessons not about the sport they dominate, not about the practice, the mechanics, the planning, the tools, but about mindset and how to navigate life in general.

He's talked a lot about the role of golf in his life.

Obviously, it's significant.
Hours of practice, travel, performance, press, repeat.

But he's able to categorize it as what it is, a piece of his life story.
He never downplays golf but he doesn't let it encompass him either.
This balance has a lot to do with his success.

I needed to hear this.

I'm guilty of letting insurance become my entire identity.

How silly is that?!

The #1 golfer in the world sees what he does as one part of his whole identity and I'm consumed by providing solid insurance advice.

My point isn't that one is more important that the other.  Both golf and insurance are parts of life.

But if Scottie can find balance so can I.

What is your balance like?
What % of your identity does work occupy?

How have you addressed it when there was imbalance?

#balance #golf #cre #mindset #entrepreneur #creinsurance

Jeremy Goodrich

Have you ever tried to cut a straight line without a ruler?

That's what investing in the real estate market without a solid system feels like. Chaotic, unpredictable, and often disappointing.

Our systems are our lifelines. 
They're carefully crafted and fine-tuned over years of trials and triumphs. 

When they reveal flaws, we refine them not just for efficiency but for survival.

Is the step you're about to take skipping the system? 
That's a shortcut to disaster. 
It's like navigating a ship without a compass, 
inviting the storm instead of steering through it.

I've witnessed the fallout of neglected systems— missed details, lost investments, and dashed dreams. 

The weakness in the framing does start to lean until it's way too late.

It's a painful lesson that what works in the background is what helps us shine in the forefront.

So I urge you to respect the process.
Honor the system.

It's the silent sentinel that guards your growth. 
When the sea gets rough, the tried and tested systems bring us safely to port, not quick fixes or flashy gadgets.

Investors, have you ever felt the sting of sidestepping your system? 
How did you navigate back to calm waters? 
How did you course-correct?
Many of you are doing that right now.

Let's talk about the power of systems below. 👇

#RealEstateSystems #ProcessIsKey #InvestmentStrategies #SystemFlaws

💡 I'm Jeremy Goodrich. I make smart insurance simple so you sleep well at night, knowing your property, people, and purse are safe.

Have you ever taken a risk just to show you could?
Not chasing the deal but the thrill. The applause. The ego boost.

Some risks are smart—calculated, necessary, the kind that forge empires. 

And then, there are the risks we take for pride, a nod from peers, or to say, "I did it."

That's playing with fire, not strategy.

Smart investing isn't a game of daredevil stunts. It's a chess match. Every move and risk should be intentional, advancing you closer to your endgame—not a leap into the unknown just for the adrenaline rush.

I've seen it too often: 
A gamble made for glory, not gain, leaving nothing but ashes of regret.

So, ask yourself: Is this risk for growth, or is it for glory?

If it's the latter, it might be time to step back and rethink the play.

How do you distinguish between a calculated risk and an ego-driven one?

Drop your insights below. 👇

#InvestmentStrategy #RiskManagement #EgoCheck #RealEstateInvesting

Have you ever stood at the edge of a cliff, heart pounding, calculating the jump?

That's the rush of risk in real estate.

But sometimes, the gap's too wide, the fall too steep, and the reward? Not nearly enough to justify the leap.

Other times, you've assessed the environment against your tools and skills and green lighted the jump.  Maybe you even do a flip.

Smart investing isn't just about taking risks but measuring them. You need to know when the potential gain is worth the dare and when it's just a straight drop toward rocky shores.

I've seen investors gamble everything for the high of the deal, only to find the return doesn't match the stakes placed. That's not investing; it's playing dice with your future.

It's essential to balance the scale of risk and reward. To know when to step back from the edge and when to leap.

The real art? It's not just about minimizing risk but maximizing the reward within that risk.  

Manage the risk => Increase the profit!

So, how do you balance it?

How do you ensure the risk you take is aligned with the reward you seek?

Let's hear your strategy below. 👇

#RiskVsReward #RealEstateInvesting #SmartChoices #InvestmentWisdom


💡 I'm Jeremy Goodrich. I make smart insurance simple so you sleep well at night, knowing your property, people, and purse are safe.

Insurance is crushing deals right now.
Why?

1. 6X claim losses in 2023 compared to 2021
2. Increased cost of materials
3. Increased cost of labor
4. Public Adjustors manipulating the system
5. Personal Injury Attorneys manipulating the system
6. Roofers and property owners manipulating the system
7. Climate change increasing severity of storms

The result:
Volatility

 The solution:
1. Solid risk management and comprehensive strategies
2. Property purchased in less storm prone locations
3. NO SMALL CLAIMS
4. Understanding lending requirements for insurance up front
5. A smart advisor with access to the best insurance companies

Thanks to Ligia Deaton & Mike Deaton for having me in the ring on Cashflow Fight Club.

Link to the show in the comments.

#multifamilyinsurance #cre #fightclub #cashflow #commercialinsurance #volatility

The #1 factor fueling downtown recoveries isn't what you think.


Historically, downtowns across the country have thrived based on the economics of workers.

People driving to their office, going to lunch, having drinks after hours, staying in hotels.

Office drove downtown economies.

Then the pandemic.
Workers gone.
Businesses adjusting their model.
Even 4 years later, hybrid and virtual models persist.

Downtowns crumbled.

As downtowns recover, office is no longer the economic driver.
The cities who are winning are doing so with a diverse offering of tourism and nightlife.

Elevating the culture of the city then leads to an elevated interest in "living downtown".  Housing interest leads to office conversion.

The cities that understand this trend are winning.

What are you seeing in your city?
How are Kansas City, Des Moines, Indianapolis, Cincinnati, and other cities growing?
What pitfalls are present as this transition happens?

#kansascity #cincinnati #midwestrealestate #downtown #cre #nightlife

bizjournals.com • 3 min read

The real key to downtown's comeback may not be office space after all - Cincinnati Business Courier

Welcome to the earth's original power outage!
Interesting Solar Eclipse facts:

1. This will be the first total solar eclipse in the continental U.S. in 7 years.

2. Another one won't significantly cross the USA until August 23, 2044

3. This will be the most viewed solar eclipse in US history (31 Million people live in the path of totality).

4. The experience is drastically different in areas of totality.   Go there if you can.

5. Totality lasts 3 to 4 minutes but partial eclipse starts about an hour before.

6. You can only look at the sun without protective glasses during totality.   

Where will you watch the eclipse?
Once it's over, what was your favorite part?

#eclipse2024 #solareclipse #newmoon

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