DERRICK Interview with Rich “Big Daddy” Salgado

January 24, 2013

RichSalgadoEncouragement Speaker Derrick Hayes gives a DERRICK Interview by asking 7 questions through each letter of his first name to give you an insightful perspective from other experts, entrepreneurs, celebrities and up and coming super stars.

Today’s DERRICK Interview is with Rich “Big Daddy” Salgado who in 1988 founded Coastal Advisors, LLC. as a way of keeping his clients protected and making their lives better. After a strong college football career at the

University of Maryland, Rich understands the importance of athletes and corporate figures and safeguarding their lives, careers and families. The mantra that he tries to get across to athletes is that you need disability insurance now because you never know what tomorrow will bring.

With his stellar knowledge and relationships that have developed over the years, Rich has the ability to speak with GMs, NFL, NHL and MLB draft picks and veterans about disability and career ending insurance. In the last three years alone, Rich has seen a significant increase in insuring college players in their senior year. Within the past five years, Rich has insured more than 30 1st Round NFL picks for disability, career ending insurance, as well as life insurance and estate planning. Coastal Advisors not only insures players but also insures teams and the contracts that they offer their players.

A staple in the world of sports business media, Rich has become a regular on FOX News Channel’s Your World with Neil Cavuto, Fox & Friends and the FOX Business Network, while also making appearances on ESPN, FOX Sports, NFL Network and Bloomberg News. Further, the Wall Street Journal, Sports Business Journal, NFL Network, Sports Illustated, Newsday, the New York Post and many other journalistic websites have profiled his business. Traveling more than half the year and attending more sporting events than most dream of, an average day includes texting Justin Tuck, Larry Fitzgerald, Reggie Bush and Michael Strahan, having pregame rituals with NFL owners like NY Giants’ John Mara and traveling with Scott Gomez to name a few. Rich’s comprehensive insurance strategies and ability to complete the loop of communication, is the major reason for his success.

In addition to the business at hand, Rich finds time to give back and support charities both within his hometown area of New York City and nationwide.  He supports his clients’ many philanthropic efforts such as Justin Tuck’s R.U.S.H. for Literacy, The Health & Humanitarian Aid Foundation and The North Shore LIJ Health System. Rich recently received the Lifetime Achievement Award presented by the Nassau County Sports Commission. Currently in the 2nd year, the Big Daddy Celebrity Golf Classic is a big fundraiser that supports the neurological studies at North Shore LIJ and to build children’s aneurysm center.

D is for Dream. What is your Dream?

My dream was to be a teacher and a football coach but my dream changed directions due to wanting to be a football player. I wasn’t good enough to be a professional athlete and I did go to school with players that went on to play in the NFL. One of those players was Neil O’ Donnell who was my roommate and played successfully for many years. Neil played on two teams that went to the Super Bowl, Steelers and Titans. I was able to land a career in the Insurance services business. In this business, I help athletes both on and off the field; protecting their careers and their families. My goal is to make sure that ALL athletes and business professionals understand the value of having someone like myself in their camp and part of their team. Professionals should stick to their profession and not pretend to know it all. As for what I have achieved, I’m not done achieving. My passion is to protect my friends, clients, and associates and educate them all.

E is for Encourage. What Encourages you?

What encourages me is that people now welcome me as a professional. I have some of the biggest and most successful names in sports, television and media that not only utilize Coastal Advisors, LLC services, but also refer me to their peers.  Ten years ago, I was some BIG GUY and nobody knew what I did. I believe I have changed that perception and that has given me the confidence to walk in any room regardless of who is there. I walk in proud knowing that I do so many things and work so many hours to build and gain confidence of clients. This encourages me and keeps me working hard for my clients. I have also survived an Aneurysm in 2008. I could not believe that happened to me and it was a lonely time in my life but prayers and great care from North Shore -Long Island Jewish Medical Center got me through it.

R is for resource. What Resource do you have that makes you stand out or unique?

The resources that I bring to the table is having 18 years of experience and a client list that speaks for itself. I wouldn’t be working with the clients that I have if I was not considered an expert in my field. Everybody in sports, media, agents, financial advisors, business managers know me as “BIG DADDY” because I stand out for my size.

This nickname has helped to brand my name. Most players in all sports may not do business with me but they are told that when they get to NYC, call Big Daddy. It is always a pleasure to help anybody regardless of the profession.

R is for Ready. When did you know you were Ready for what you are doing now?

I knew I was ready when I started because I had a niche market in place since I was a kid growing up. I had relationships that started when I was in high school. I owe a lot of people for helping me along the way. One of those people is Bill Hampton Jr who was my dear friend who passed away last year. Billy gave me the opportunity to work for him on occasion and introduced me to the players, media heads and executives. Billy later on became an executive at the NFL and then after became a VP of the Cleveland Browns. The second is Mike Newsome who currently works at Nike. He was my roommate for seven years, my best friend and my brother.

There is also Neil O’ Donnell, who was my roommate in college and post graduation when we lived in Pittsburgh. Lastly, Hall of Famer Ronnie Lott. I learned from Ronnie the importance of phone calls, extra cell phone batteries and networking!

I is for individual. Can you name at least one Individual that we should learn more about and why?

WOW!  There are so many people that it is a challenge for me. Well, the one that comes to mind is Rick Bellando, who is the Chairman of the NY State Independence Party. He works at the Oheka Castle in Long Island. A couple was getting married there once and the person needed a kidney transplant. Rick was a match and he donated one of his. Such an INCREDIBLE STORY about one human giving up their kidney for another. Check out to learn more about Rick and the wonderful place he runs.

C is for Continue. When things look bleak or are not optimistic what makes you want to Continue?

Well, I have a self-motivating button. My business is very difficult and people run the opposite direction when it comes to talking about insurance. This business has a negative stigma on it and my job each day is to make people feel comfortable with my services and teach them why they need my services. I also have to make sure they are insured properly meaning that they have the right amount of coverage. There are a lot of sales made in the insurance world that only benefit the sales person and not the client. What makes me continue is that I want to be successful. I want to be a role model in this field as well as in the world of business. Being successful doesn’t mean being the wealthiest it means that I can be looked upon as person people can trust.

K is for Key. What Keys to success can you leave for others?

My key to success is working tireless hours, knocking on all doors and collecting every business card I could get a hold of. I currently use social media to endorse my company, to reach out to athletes, media, parents, agents as well as business owners. I have the good fortune for being on air to discuss my business and my company. You can go to to see some of my on air shows as well as the publications that I have been featured in.  My website also, is very informative on my services.

I recommend meeting people of all races, businesses and walks of life. People sometimes think that I only work with athletes and that is far from the truth. I work with business owners, my old mailman and many others as you never know who one day might be working in the mailroom then later on is running the company. People in the world of football know whom I am talking about when you read this last sentence.

Visit Rich “Big Daddy” Salgado for information.

Education Over Broken Promises by Dr. Corneila Gibson

January 24, 2013

SurvivingBookCoverThanks for the opportunity to reach and uplift others just like me. I was a teen mother who was constantly told that I would never be anything more than a welfare statistic. It took me a while but I proved them all wrong. If this teen mother can do it, ANY ONE can. My book closely chronicles my life as a teen mother in an abusive relationship, adultery, being the other women, and other drama.

I am a Mother of three, a Licensed Marriage and Family Therapist to many, an Author of one, and a Child of the only One true living God. I am also known as Dr. Gibson, Dr. Cornelia, Dr. C. or just plain Cornelia. If I am going back to my childhood roots in Richmond, CA, then you would know me as Annie.  I have a B.A. in Psychology, a M.A. in Counseling Psychology, and a Ed.D. in Counseling Psychology.

Now that my God has carried me through my long educational journey, I am being lead to tackle the entertainment arena. My long term plans include presenting my novel Surviving Broken Promises as a Stage Play. This will not be like any other stage play in that it will offer a twist that I have not seen presented in any other play. The twist is something that I am sure both my father (God rest his soul) and my Father God will be proud of. After all, I have learned from both of them to think BIG, dream BIG, pray BIG, and then MAKE IT HAPPEN!

As I said, “my plans” are for the future but every day God puts other people, places and things in my life that gets me closer to Him.  So whatever His plans are for me I will follow.

When I am not working on a writing project then you will find me doing some type of counseling.  I have co-facilitated court ordered anger management and parenting classes.  I have provided teen counseling services at local nonprofit agencies.  I have provided counseling services to children and families and victims of crimes though a local private practice.

I am a Licensed Marriage and Family Therapist specializing in working with people who have had the unfortunate reality of being a victim of a crime. If this is you please let me help you get your life back on track. I also help with relationship problems, careers, and teen issues. I also provide direction, leadership, and coaching to a local home for teen mothers. Last but not least, I provide counseling services to youths and their families through Mount Calvary Baptist Church.

Counseling and motivating is not only my passion but also my calling in life.  What is yours? Let me help you figure it out!

Visit Dr. Cornelia Gibson for more information.

Rising Above It: The Ex-Addicts Guide for Life After Rehab

January 11, 2013

LifeAboveRehabby Melisa Cammack

Recovery does not end when you graduate from rehab, and in treatment, you have learned techniques to stay sober and you should be connected with a 12 step or other peer support group. Hopefully, your family has become engaged in and is supportive of your recovery, and in an ideal world, you have developed new hobbies and new friends to replace those from your using life.

Here are a few things you can do to help yourself find success in life after rehab, prevent relapse and enjoy your life.

1) The treatment program should have worked intensely with you to develop a relapse prevention plan prior to graduation. This should include reminders about triggers for using, signs you may be headed toward a relapse, what to do when triggers happen and what to do if a relapse occurs. Keep this plan with you and use it when you need it.

2) If after care is available through your rehab program take advantage of this. You need to ensure you maintain the basics of recovery including proper diet, adequate rest, exercise, avoiding triggers to use whenever possible, and taking care of yourself in all areas of your life.

3) As a recovering addict, you need to remember you are still prone to slipping back into old habits even if substance use does not occur. You must continue to follow your recovery and relapse prevention program whether that is attending meetings regularly and working a 12 step program or avoiding old friends and hangouts.

4) Continue to read recovery related materials to keep your focus on sobriety and positive change. You may also find becoming active in the recovering community either as a sponsor in a 12 step group or as a speaker at groups offered in the rehab center to be options. Helping others get and stay sober makes it harder for you to slip back into bad habits.

5) You need to keep your focus moving forward, and this may mean continuing to develop new healthy interests like meditation, yoga, art or anything else that keeps you engaged in positive activity and meeting positive people. You need to spend as much time as possible with people who are successful in life and in recovery. Learning to take care of yourself and to be happy and joyful in life is a skill best learned from those who are living it.

6) Continue working to repair the relationships that were damaged during your time using, this will mean having hard conversations with loved ones who were hurt by your use. It will mean apologizing and making amends as best you can, it will mean accepting the fact some people may not trust you to be really making the changes. The best way to get through this is by being trustworthy, working your rehab program and making the changes needed.

Patience will be required to continue to make progress, but it can be done.

Author Bio:

Melisa Cammack has been freelance writing for almost ten years, and loves to write self-help, parenting, and health. She is currently writing on behalf of Ascend Recovery.

Words Of Encouragement for Small Business Owners by Doc Ayers

August 27, 2012

One Simple Ingredient to Success

Stress is a natural part of everyday life that can show its head even in the life of a personal, professional, business, life coach or other service based entrepreneurs.

How solo entrepreneurs deal with personal life stressors and the stress of running a business is one of the simple ingredients that build a business they enjoy and determines who is living the sweet life of success and who is letting stress overwhelm them turning their dream business into just another job.

The Ayers Training Group offers coaches and self employed professionals guidance and resources to help them handle stress in a constructive manner so that they can live life to the fullest enjoying the benefits that attracted them to starting their own business in the first place.

As a service based solo entrepreneur providing service to others, it’s easy to fall into the trap of forgetting about self because you love to serve and benefit others. However, never be too busy for yourself!  Remember to value what you do by taking time with your own personal coach to escape the everyday stress that can drag you down into sickness and unhappiness.

Schedule a complementary consultation via phone today at

for guidance, support and accountability coaching using a system process designed to aid you in reaching the holistic goal of happiness, health, wealth and inner peace.  Keep your life on track and cope with stress in a proactive manner that allows you to get on with the tasks of building a successful business by investing in the help to escape stress and live a happier, productive more peaceful life and living life fully!

Visit Life Coach Doc Ayers for more information.

DELAYED But Not Denied

May 19, 2012

by Encouragement Speaker Derrick Hayes

In my journey I have been DELAYED where my course was Detoured and I became Easily influenced. This put me at a Loss and I became Absent and then just Yawned all together. The Echo of trouble kept repeating in my life and soon caused Damage. Even with all that happening I was DELAYED But Not Denied.

Detour. Growing up I wanted to be a pro athlete or Hip Hop star. Year after year I would play various sports including basketball, football, track and field and bowling thinking this was the answer to my destiny. Rap helped me develop writing skills and I kept working on new ideas all of the time. Writing skills were different then study skills as I started to fall behind.

Easily. I didn’t even see it coming. Girls started to like me and if you had a girlfriend back then you were the man. More time was going into trying to meet Miss right than my academics and even my athletics started to suffer. There was no he said she said it was all about what she said.

Loss. When my grades and athletic ability started to decline I was not just at a loss for words I started to lose confidence. I was great with the girls but where it counted most I was replaced as a starter on the field. When you lose at one thing a feeling comes that you will lose at another.

Absent. By the time I graduated from High School I felt like my life was empty. I had played sports since I was 5 years old and had no scholarships offers to show for it. My confidence was gone and I hadn’t even taken the ACT Test so I could get into college.  I graduated from High School but the thing that was absent was my purpose.

Yawn. When you lose track of your goals and have no purpose you become bored. When you are not excited about too many things you will do whatever it takes to have fun. The hard lesson I learned was that in order to have fun in life you have to make life fun.

Echo. When you have no direction you will follow what everyone else is doing. I became an alcoholic at an early age. I mastered how to lie to my parents and stay out all night. I never knew the things I did as a child I would see done exactly the way I did them by my own children.

Damage. Sitting on the porch of my mother’s house I realized that I was damaged goods. I had to look in the mirror and hear the truth. I made it through High School but had not even applied to any colleges. My ACT score came back and I failed the test. Due to my health I had already ruled out a military career.

Just like many of you I was DELAYED But Not Denied. If you are on Detour turn around and get back on track. If you are Easily influenced buckle down and be the one that starts to inspire others. If you are tired of Losing, start winning. If you have been Absent show up and give quality time. If you don’t want to Yawn get up and make it happen at the break of dawn. Nothing is wrong with an Echo just find positive things to repeat. Guess what? The word is Damage and not done. Damage means you have been hit but not too hurt to holler back. When you are done it means that it’s over for you Rover.

I was DELAYED but that’s when my mother prayed

My son is DELAYED but don’t let him be denied

Let him do right and hear words from the wise

Inspire him to create what others want to buy

Bless him when he tries so his dreams are multiplied

Through the prayers of my mother and with the help of my Brother David I was able to pass the ACT and enroll in Tennessee State University and receive a B.A. in Business Administration.

I was DELAYED But Not Denied.

If you go to I can support what you do and if you go to  you can support what I do.

Stepping STONE: 5 Things That Can Help Build Relationships In Blended Families

March 24, 2012

by Encouragement Speaker Derrick Hayes

Marriage is fun but at times there can be difficulties. Being in a second marriage you learn quickly in counseling that 80% of those marriages fail and the main reason is because of the children.

As a father and husband I have helped raise someone else daughter and have been humbled because another man is helping raise mine. During a visit with my children I quickly realized they were treating their mother’s new husband the way I was being treated by my stepdaughter.

You can’t win every battle but you have to keep fighting for your family. Through the word STONE I present you with 5 Things That Can Help Build Relationships In Blended Families.

The S is for Speak. Speak to children positively when you have to give constructive criticism. A great that has worked for me is to bring in the biological parent when you have to address certain issues. Make sure both parents are on the same page.

The T is for Think. When you are out shopping or before you go see if they need anything. When you do nice things for someone they will do nice things for you. For example if you remember what type of cereal they like, it could result in you waking up to a breakfast of your dreams.

The O is for Open. Share your life when you can with your children. Explain how and why their life is different and not so different from the one you have. Youth feel at times that parents just don’t understand what it is like to be a child.

The N is for Notice. If you don’t know what your kids are good or great at ask them? Guide them according to their gifts. As parents many times we get it wrong by wanting to live through them. When you pay more attention you be the Mom or Dad that makes their honorable mention.

The E is for Ear. If you want them to listen you have to listen to them. Consider their feelings and ideas even when you know they are wrong. We all can be strong willed and off course at times in our life and they will to.

Use this article as a Stepping STONE That Can Help Build Relationships In Blended Families.

Today’s word is Owe

February 29, 2012

No matter how much debt you owe there comes a time when you owe you. Start working smarter like life owes you victories.

Download the Motivation Your Mobile app on Android Market and receive Today’s word.

The Counseling Corner

December 25, 2008

by the American Counseling Association

It’s almost time for those New Year’s resolutions and losing weight will again top many people’s lists. It’s a good resolution, since health authorities now label obesity as this nation’s leading health problem.

If someone close to you is trying to lose weight this coming year, you probably want to help. Unfortunately, experts find that the “help” usually offered can actually have the opposite effect, adding more pounds while possibly hurting the relationship.

So here are some tips on what to do, and not to do, if you want to really help someone reach their weight loss goals.

Nagging about those extra pounds, buying exercise equipment, suggesting new diets or taking the role of food police might all seem helpful, but often leave the other person feeling like a failure who’s bad, ugly, and unable to lose weight and meet your expectations. When you talk about how losing weight is easy or just a matter of willpower, you’re sending negative messages that trigger destructive feelings and can push the person to actually eat more.

A better way is to help the person understand the issues that are causing overeating and to be truly supportive of his or her efforts.

Start by encouraging the person to talk about his or her feelings. Identify negative messages, then help the person clarify and face down such feelings. Is your spouse feeling ugly because of excess weight? Explain sincerely and honestly the beauty you see in him or her that has nothing to do with what the scale says.

It can also help to identify emotional issues that can lead to overeating. We all “stress eat,” but when someone is constantly depressed or anxious it can be a bigger problem. Knowing that a loved one is there to listen and understand can help fight such feelings.

You can also be an example. That doesn’t mean making food rules, but rather eating a healthy diet yourself with sensible portions. Start an exercise routine, and after a week or two, invite the person trying to lose weight to join you.

Your goal is for the person you care about to see you as a source of encouragement and support, not a critic. Offer praise when weight is lost, and encouragement when weight loss plateaus are encountered. Being involved like this can bring you closer and encourage your loved one to look harder at what drives his or her eating.

“The Counseling Corner” is provided as a public service by the American Counseling Association, the nation’s largest organization of counseling professionals. Learn more about the counseling profession at the ACA web site,

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