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Edward J. Pinto is a senior fellow and the director of the AEI Housing Center at the American Enterprise Institute (AEI). He is currently researching how to increase the entry-level housing supply for first-time buyers and renters who earn hourly wages, as well as examining the current house price boom that began in 2012. This continues his previous work on the role of federal housing policy in the 2008 mortgage and financial crisis. Along with AEI Resident Scholar Stephen Oliner, Mr. Pinto created the Wealth Building Home Mortgage, a new approach to home finance designed to provide a more reliable and effective way of building wealth than is available under existing policies. This mortgage allows home buyers to maintain a buying power similar to a 30-year loan. It is aimed at a broad range of homebuyers, including low-income, minority, and first-time buyers. Before joining AEI, Mr. Pinto was an executive…
More and more mortgage and real estate professionals are connecting and posting on social media. Aside from the compliance issues you need to satisfy, you do need a game plan as to how, what, and why you are posting. There are some simple things I have found in making sure you are maximizing your benefits of the social media connections you make, while at the same time, you don’t end up driving people away from reading what you are sharing. When it comes to professional posts, keep them short, focused, and direct. Most of all, make it YOUR interpretation of what ever point you are trying to make. Simply sharing a post put together by your corporate marking department that everyone else in your company is going to share does NOT create differentiation, it makes you just like everyone else! You can share the story, just share the story in…
The role of a manager or executive comes with a myriad of responsibilities. Some of the more traditional roles of a manager or business executive can include balancing due dates for parts of a project, helping employees feel adequately trained for their role, and even being in charge of the company’s image. These and other elements of managerial and executive roles may stay the same for years, but just as many roles and responsibilities are evolving with the times. In everything, from a shift to remote and hybrid work environments to accelerating digital disruptions that transform whole departments and organizations, change is the only constant. If you are a manager, how would you write your job description today compared to day one? Do you find yourself still listing the same tasks even though you know they have gotten far more dynamic than before? Change has already begun, so how do you as…
As the NFL nears the end of its 2022 pre-season, fans can hardly wait for the regular season to start. The real games start when the teams play their “first-string” players. For the preseason most every team has played its reserve players so as not to get their regular players injured. They call it the championship season since preseason games don’t count toward the playoffs.
While that system is OK for the regulars (those players in the high salary brackets) the fans aren’t thrilled that the cost of the tickets is still high and they are watching their team play with players who will be “cut” when preseason ends. You see, each team brings 100-plus players into their training camps so that during the preseason the coaches can evaluate them for a spot on their regular roster. That’s what fans are seeing in the preseason. Coaches then begin…
EXIT Realty Corp International’s CEO TAMI BONNELL is an internationally renowned leader in the real estate industry and was instrumental in building three major brands. Among her many achievements, she was recognized by Real Estate trend watcher, Stephan Swanepoel, three years consecutively as one of the 200 most Powerful and influential people in residential real estate, among the top 20 corporate executives and among the top 10 women leaders. Ms. Bonnell has been a featured speaker at the NATIONAL ASSOCIATION OF REALTOR’S® convention to the Top 500 power brokers, The National Women’s Council REALTORS®, Inman News Connect Conference and the RIS Media’s Leadership Conference. She was named to the National Association of Women in Housing & Real Estate Ecosystem ( NAWRB) Diversity & Inclusion Leadership Council (NDLIC). Ms. Bonnell was honored by STEM connector as one of it’s 100 Corporate Women Leaders in STEM (science, technology, engineering and math).…
More and more each day people are finding it hard to trust the very things we all used to believe in. We used to trust those on the evening news. Nobody doubted for a second anything that came from the lips of Walter Cronkite as he told us the news each night. We trusted our national “experts” when they gave us information, and of course, we all believed the president when he spoke. Today the bias is so apparent that you know the beliefs of the people who are speaking just by the channel you are watching. You know the position of the author by the website its on or the social media group that either pushes it in the searches, or chooses to fact check it repeatedly, even after it’s proven accurate beyond all doubt, never a retraction or an admission of wrongdoing. I say all this because the…
There has never been more opportunity than there is today to dramatically accelerate growth using new digital marketing tools, the right business strategies, and a proper and effective mindset. I recently invited Ford Saeks to participate in an episode of “Opportunity Hour: Conversations with the Masters.” Our conversation was specific to business growth and how to accelerate momentum in marketing, sales, leadership and operations. No matter the size of your business or organization, you can dramatically accelerate growth when you have the right tools to do so.
But part of what separates business, organizations, and the leaders in charge from the growth they desire is this invisible but rather prominent gap. The desire to advance from where a business or organization is to where leaders and employees alike want it to be is a common characteristic among all those pushing to accelerate internal and external growth and finding a way…
The back-to-school process has begun and parents are focused on getting their kids ready for school, or are trying to deal with the new school schedules and how that puts pressure on their housing situation. Back to school is hectic, but the challenges of the possible functional obsolescence of their homes can be a bigger issue. Parents with children starting school, starting different schools, sharing bedrooms, the issues with bathrooms, and even the physical location of their house may now be best served by moving into a home than functions more effectively for the entire family. Despite higher home prices and interest rates, the value of addition space, bedrooms/bathrooms, and even location can be well worth the price! Ask anyone that has kids and only one bathroom on a school day! Inflation data shows inflation has come down a little, but still over 8%, which is well beyond acceptable, and…
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Purchase applications picked up last week and we are seeing many people coming back into the market as preapprovals remain about the same as we saw this time last year. The largest number of returnees are those that were working with FHA, VA, USDA, and bond program loans, as they are seeing sellers becoming more open to accepting offers from these qualified buyers! I can’t stress enough the benefits of staying connected to your preapprovals, even the people who choose to stop looking because they grew tired of the hunt. The first week of August begins the next seven weeks of “back to school” around the country for my clients. It becomes a critical time to understand your specific market because many of the national numbers will not be reflective of local realities. Often, the weekend prior and the weekend after school starts, we see a slight slowdown in activity…
Whilst being a mom is one of the most fantastic jobs in the world, it is also one of the most challenging. Being organised, making time for activities, cleaning and feeding everyone can be extremely difficult, especially when you are trying to juggle it with your career. Finding time to keep everything in order and be on time can be testing, however there are a few things you can do to help get ahead as a mom and in your career! Share Roles With Other Parents Every parent will understand the pressure you feel when you can’t quite get on top of things, so speaking to other parents and sharing roles is a great option to make your life easier. Organise for your children to go to the same after school sports club or weekend dance class and take it in turns to take them and pick them up. This…
The National Football League consistently promotes the theme “Football is family.” This has been of significance to my family since the NFL has fulfilled that role for me for 62 years after I joined in 1960. With me on the field for 31 seasons, my family has watched with great interest my involvement. I’m not convinced too many families had the same interest. However, I have noticed many times that families do attend their home games. Thus, ‘team’ brings us all in the family together.
The NFL officiating family comprises crews whose lives are interwoven both in the season and after. The seven members in each crew know each other’s personal families and develop their own group culture. In each crew is a referee – the crew chief – who sets guidelines for each member of the crew. Each member of the crew has his/her own style but…
Marketing is a world that is always evolving, always busy, and constantly filled with Anticipatory opportunities for all those who work in the industry and who leverage marketing for their organizations. If you are an executive or working professional in the marketing industry, this is likely music to your ears. Having new opportunities and unique ways to tell the story of an organization, product, or service demonstrates longevity in a career and exciting ways to live out your career passions. However, if you are a small or large business owner or executive in an industry looking to market a product or service, it likely drives you a bit insane trying to keep track of how to target customers, marketing effectively to them, and convert sales leads. Even the act of hiring an external marketing agency that provides you with the ROI you are looking for can be stressful.
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