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![Only the 2nd Woman Elected to Her Government Position Since the 90s, Heidi Kuhn Shares How She Revolutionized Team Collaboration Through Intentional Leadership [VIDEO]](/media/k2/items/cache/fcfe3079039a8b04db55ff80bddefeb5_M.jpg)
As the Shelby County Criminal Court Clerk, I understand that public service has never faced as stern a test as it does today. People are watching our government, and with this challenge comes opportunity. They want to be reminded of that distinctly American feeling that theirs is a government of the people, by the people and for the people, a government that works for them and it is my goal to serve the public by standing up for them and making the Criminal Court Clerk’s Office stand out by being effective and efficient in our service.” Heidi Kuhn started her career with Shelby County Government in January 2001 as the Executive Director of the Crime Victims Center, advocating for victims and fighting for their rights. She was then appointed as the Deputy Director of Community Services, where she was responsible for all victim and offender services, as well community support…
![Women Pay 1.29 Times More for Homes They Own Than Men [LendingTree Study]](/media/k2/items/cache/a98cb72b988d3fde0e1889b5b31353a8_S.jpg)
Owning a home is a huge milestone for many Americans. Previously we found that single women own more homes than single men; our new study found that women are spending significantly more on their homes than men. LendingTree analyzed data from the U.S. Bureau of Labor Statistics Consumer Expenditure Survey to compare how men and women spend. We looked at several categories, and when it came to spending on housing, it’s clear there’s a gender gap in the housing market. A quick look at what we found:
On average, women pay 1.29 times more on owned dwellings, which include mortgage interest, property taxes, home insurance, and other expenses. Broken down more specifically, women pay 1.20 times more on property taxes, 1.11 times more on housing, and 1.09 times more on mortgage interest and charges compared to men. Annually, women spend $16,223 on housing compared to the $15,562 spent…
Is it time for a break? Okay..so the kids are on Spring break, but when do you get to take a break? Why don't we just TAKE one?It’s that time of the year again. You know, Spring break, upcoming graduations along with the non-stop schedule of buying gifts, prepping food, baking cookies, keeping the house sparkling clean, going to parties, relatives to visit, and on and on and on.
You race from one event to the next, and fall in bed exhausted. There’s never enough time to pack it all in, and by the time you are close to catching up, you just might be a tad irritable, worn-out, and maybe even sick from the latest bug going around. And somewhere in all of that chaos, you’re supposed to be focused on business and hitting your year-end sales goals. It’s enough to make you sit down and cry.…
Every year and in every way, I try to help create more Anticipatory Leaders and individuals working at Anticipatory Organizations as opposed to reactionary ones who quickly miss opportunities that are in plain sight. The major cornerstone to an Anticipatory mindset is my Hard Trend Methodology, where we discern between Hard Trend future certainties that are based on future facts that will happen and Soft Trends that are open to influence. This effort lets you see disruption before it disrupts and solve problems before they occur, turning disruption into a choice. Highlighting the three categories of my Hard Trend Methodology — technology, government regulations, and demographics — one of them is a constant that all organizations in every industry should be paying as much mind to as possible: demographics.
In a recent episode of my “Opportunity Hour: Conversations with the Masters,” I invited Dr. Ken Dychtwald to speak on the subject of the Baby Boomer age…
Both the 10yr and the 5.5% 30MBS have broken through their 200 day moving averages and it looks like they are wanting to improve even further. What stands between us and further improvement can be employment news today and tomorrow. We have the unemployment number Thursday and the March jobs report on Friday. Given the data we have seen reported earlier this week from ADP, if unemployment claims go higher and the jobs report on Friday shows weakening, the bond market could see more space to improve. While I don’t think we can see a massive move, weaker numbers can help sustain this rally and could very well lead us to the FED pausing rate increases and signal inflation is coming under control from previous rate hikes. We all know that these rate hikes take about a year to fully impact the markets, and the first hike was just a…
Limited new listings are making it feel like a seller’s market in some parts of the U.S. even though sales are down by double digits. Some markets still feel cool. Although elevated mortgage rates continue to dampen homebuying demand, low inventory means home are selling fast in some parts of the country, according to a new report from Redfin (redfin.com), the technology-powered real estate brokerage. The pool of homes available to buyers is shrinking quickly. That’s mainly because new listings are scarce. New listings fell 21.8% from a year earlier nationwide during the four weeks ending April 2, one of the biggest drops since the start of the pandemic, contributing to an unseasonal early-spring decline in the total number of homes for sale. Many homeowners are staying put because they’re unwilling to give up their low mortgage rate. Although average 30-year mortgage rates posted their fourth-straight decline this week, dropping…
The future itself is uncertain, and this is an all-too-often scary realization for businesses of all sizes and industries. Where is your specific industry headed? Will a new technology come to be that leaves your current technology or operation completely in the dust? Will your customer base take a dramatic turn in their wants and needs? These are only a fraction of the questions that plague businesses on a daily basis. Yes, the future is uncertain and this may strike fright in some. But to me, this uncertainty is exciting and full of opportunity thanks to the skills that come with an Anticipatory mindset! The difference between those that fear the uncertain future versus those that find it exhilarating and ripe with opportunity is one’s ability to more clearly see the future in front of them and in turn, feel confident leveraging it to their advantage. And in my Hard Trend…
Another week, and another group of people who are shocked by the reality of the markets. To some people it wasn’t a surprise that pending home sales were UP .8% instead of the projected -2.3%. Those that were projecting, didn’t know what we all were seeing, interest is up, credit pulls are up, pre-approvals are UP! So of course we have people making offers and properties going under contract!
Rates are an excuse, not a reason. Anyone who thinks it’s about rates, really needs to understand how to calculate payments and explain that the interest rate on renting is 100%, FOREVER! Inventory isn’t an excuse, it’s an OPPORTUNITY! If you can’t find an agent that can understand that, then go explain it to an agent so that they can, then work with them until they DO! How are all these homes going under contract if there isn’t any…
Redfin’s Homebuyer Demand Index jumped as prices fell for the sixth-straight week and mortgage rates declined for the third week in a row. But a lack of new listings is holding back sales. House hunters are wading into the market as mortgage rates and home prices continue to decline, according to a new report from Redfin (redfin.com), the technology-powered real estate brokerage. Mortgage-purchase applications increased for the fourth week in a row and Redfin’s Homebuyer Demand Index—a seasonally adjusted measure of requests to tour homes, make an offer and/or talk to a Redfin agent about a home search—jumped to its highest level since last May during the week ending March 26.
“My phone is ringing, and it’s usually first-time buyers or investors,” said San Francisco Redfin agent Ali Mafi. “First-time buyers are interested in looking at homes because prices have come down, though they’re still concerned about high…
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With over eighteen years of executive coaching, speaking, research, and professional experience, Kirk’s perspective is simple and unpretentious, and his suggestions are applicable and undiluted. Kirk understands that your work life is more than a commute and a paycheck. You will spend most of your conscious week at work, thinking about work, or driving to work. Therefore Kirk believes in seeing your work life as your life’s work (outside of your home and family). With that in mind, how can you make your life’s work more meaningful, fulfilling, and rewarding? IT Professionals have awarded Kirk with “The Speaker of Highest Merit Award” and organizations tweet him as the “People Whisperer” for his exceptional way of connecting with people individually and collectively wherever he goes. Kirk is known for his ability to share personal life stories, converse with his audience, and offer coaching that builds trust and inspires action. Kirk is currently…
Despite slim pickings and affordability challenges, buyers got a jump on spring shopping in March, but rising rates could cause a late-spring frost Spring is officially here, and like green shoots emerging from the bleak winter, new data suggests that more buyers are back in the market, although more subdued compared to a year ago. According to the Realtor.com® Monthly Housing Trends Report released today, the recent six-month surge in active listings lost momentum, moderating to 59.9% year-over-year, and time on market shrank to 54 days, from January’s high of 74 days, as buyers eased back into the market in March, but higher mortgage rates could freeze them back out. “Signs show that buyers are active in the spring housing market, even if they aren’t as numerous as they were during the pandemic. Amid fewer new choices on the market and still rising home prices, home shoppers have shown that…
Business is uncertain, as the future is an uncertain place to be in no matter what industry your business or organization is part of. Because uncertain times are a commonality, how do small to medium-sized businesses or startup companies find their way through the many uncertain times we all face? Through many of my writings, I explore my Hard Trend Methodology where a business leader or organization as a whole realigns their focus on Hard Trend future certainties to determine what they know is certain to happen. Acting as a metaphorical compass that guides you through times of extreme uncertainty, Hard Trends point directly at the evidence of what you can be certain about by highlighting what will continue. This then leads a business or organization to Anticipatory action! Hard Trends can be heeded by all, but what I like to focus on intently is the importance of their role in the exponential growth of small to…
I have been asked to put together a program for companies or individual branches to take advantage of the coaching program while helping control costs. After spending some time working through the process with a handful of current clients, I have put together a program I think will help meet the needs of those facing challenges. The program is just a framework and can be adjusted to individual needs. Here are the basics. Initial site visit to understand the needs and direction of each individual group. This will be a full day at your location working with those you choose to share the challenges and needs of the program. A specific targeted follow-up planning session to get the management clear on the process and direction coaching will take, and the prioritized areas of attention. Up to ten weekly coaching accountability sessions of 30 minutes each to work one on one…
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