Conversation with my wife, Tami –  Jason: “Can you give me a ride to the airport tomorrow?  I leave for Nashville at 9 AM to attend my National Speakers Association conference.  I’m really sad to not take the kids.  I’m so grateful for all those years we drove the motorhome cross country to NSA events enjoying them together.” Tami: “Are you saying you already have your flight booked, paid for the hotel and convention?  And why aren’t you taking the 3 oldest children who have gone with you to this event every year since 2015?”
J: “Because it would be financially irresponsible right now, on the heels of the pandemic, and before this looming recession, to spend any more money while things have been coming back with my bookings.  We need to be frugal and careful, as I am getting booked more and more, it’s great but we are still needing…
Posted On Wednesday, 13 July 2022 00:00 Written by
Auto and home insurance bundles, umbrella policies, constant arguments about paying for healthcare (especially during a pandemic), and thousands of streaming and social commercial advertisements pushing different providers as being the best option for the average Joe and Jane.  Yes, we are talking about insurance and its many pros and cons. But what Flo from Progressive, the Geico Gecko, and the ever-popular Jake from State Farm may not be able to tell you is where the insurance industry is heading.  And truth be told, you do not need them to do so — you can use your own Anticipatory mindset to decode the disruptions that will change the insurance industry from this point forward.
As a consumer, this general concept may strike fear into your heart — or, conversely, bring much-needed relief. It is no secret whatsoever that the consumer-facing side of the insurance sector is complicated, no…
Posted On Tuesday, 12 July 2022 00:00 Written by
Many companies and their originators are dealing with the challenges of less loan volume. With refinance business about 20% of the volume it was last year and purchase volume down in many markets as well, there is simply less loan units to take through the process, which leads to the reality than many people are either making less money than they were last year, or they have people, salaries, and overhead that they no longer need or can afford.
We have seen tens of thousands of layoffs, some companies reduce locations, even a few just call it quits and either sell themselves off or just closed completely. None of this is a surprise when you see this type of volume reduction in such a short period of time, and those more heavily weighted on turning refinances have felt the most pain. However, that isn’t the end of the…
Posted On Monday, 11 July 2022 00:00 Written by
It is rare for me to have tears streaming down my face as I read a blog, but that happened to me last week. One of the most wonderful couples and families I have ever known shared the story of a rare “wind event” tearing through their backyard, ripping out hundreds of trees in a hurricane-force moment that left them reeling to figure out what to do with their now apocalyptic landscape destroyed by nature.
Having just moved into their dream home on Lake Michigan, The Kotecki Family have inspired so many through 2 decades, finally able to achieve the great American Dream with their hugely successful company Escape Adulthood, while Jason paints & speaks, Kim runs the business details and homeschools their darling children, and found the perfect home on a property surrounded by trees, a majestic wonderland preserved for their joy. What you’re about to see is…
Posted On Friday, 08 July 2022 00:00 Written by
There is more opportunity now to transform the customer experiences and customer service of your business organization than at any other time in history. We live in a technological world, but more importantly, we also live in a human world. That world is filled with human customers, human employees, and human wants and needs. Human beings are all about relationships and experiences — the emotions and memories derived from these occurrences are what drive us and, largely, what separate us from machines.
I recently asked Shep Hyken — who I would refer to as the ‘Chief Experience and Amazement Officer’ at his company, Shepherd Presentations — to join me on my program, “Opportunity Hour Conversations with The Masters,” on the subject of creating amazing customer service experiences in this digital, transformative world.  For decades, Shep has been helping companies elevate their customer experience and customer service efforts to remarkable levels.…
Posted On Thursday, 07 July 2022 00:00 Written by
The following questions are asked to provoke thought and drive you the reader, into thinking about what the reality is in your market and the correct answer or response to the question! Asking for a friend: “The government says we aren’t in a recession, and they don’t see one coming, is that true?" Technically, the answer is yes & no or not yet. While first quarter GDP numbers were once again revised to the worse, from 1.5% negative growth to 1.6% negative growth for the first quarter of 2022. It is generally accepted that you need two consecutive quarters of negative growth to be in a recession, so the first second quarter report is due on July 28th so stay tuned. In any case, the economy is challenged and that is a concern. Asking for a friend: “I hear there is going to be a housing bubble and I should wait…
Posted On Monday, 04 July 2022 00:00 Written by
Sure looks like the PGA Tour and the LIV Golf Tour are in for a long battle. As you know the PGA Tour is not allowing its members to play in the LIV golf events and has already suspended 17  well-known golfers (among them AT&T Pro-Am favorites Phil Mickelson and Dustin Johnson) from its ranks. Some of those who chose the play in the LIV tour played in the US Open at The Country Club in Brookline, Massachusetts.
How can those PGA suspended players play in the 2022 US Open, you ask? Well, the US Open is run by the USGA (United States Golf Association) which has not suspended those players who played or will play on the LIV Tour. Speaking of LIV – what do those letters mean? First off, the LIV is a Saudi Arabian-funded golf tour and is an adversary to the PGA Golf Tour. The…
Posted On Friday, 01 July 2022 00:00 Written by
The numbers continue to show that people, especially millennials, are interested in home ownership. Despite higher home prices and higher rates, loan applications are still strong for home purchase loans. While refinances are significantly off year over year due to higher rates, purchase applications are down only about 10%. That is a far cry from what some would have you believe on social media and the TV “experts”. Home prices are up on average 14.8% from this time last year, which is down but that is still significantly higher than the 5% or so rate experts were predicting. Despite all the claims of a housing bubble and higher foreclosures, we are at a 40 year low in actual units foreclosed upon. None of this is surprising if you just look at the markets and see that available home inventories of supply is down 4% year over year and we haven’t…
Posted On Monday, 27 June 2022 00:00 Written by
If LIV Golf is something you may be unfamiliar with, just hang on as we try to give you our best description of this new enterprise. LIV Golf is financed by the Public Investment Fund, the sovereign wealth fund of Saudi Arabia which is among the most lucrative sovereign wealth funds in the world. Its value is estimated at $600 billion! LIV has drawn many of the most famous golfers in the world. Let’s start with LIV’s CEO – Australian entrepreneur Greg Norman who has won 89 professional golf tournaments, 20 PGA tournaments, and 2 Open Championships in 1986 and 1993. Those tournaments alone have made Norman a multimillionaire. The LIV is mostly about money, money, money!
The LIV will be a major challenger to the PGA Tour which has just suspended Phil Mickelson, Dustin Johnson, and 15 other players for joining the LIV. Tiger Woods has reportedly turned down more than…
Posted On Friday, 24 June 2022 00:00 Written by
Global, national, and local healthcare systems have gone through more change in the past few years than almost any other industry. Technologies that were available but not widely used before the pandemic have been brought to the forefront, accelerating a transformation that will impact the entire health ecosystem. Virtual office visits, mobile telemedicine, health wearables, remote diagnostics, remote disease management, mRNA drugs, genetic screening, and personalized medicine are just a few of the transformations that are rapidly being deployed now, as well as increasingly in the future.     All living human beings have their own personal health, healthcare needs, diets they should abide by, and even special medications or treatments they must undergo either to improve their quality of life or to sustain it entirely.
Determining each person’s individual health and wellness needs, or recommending lifestyle changes to each individual that specifically suits his or her needs might seem…
Posted On Tuesday, 21 June 2022 00:00 Written by
Of course, I’ve been watching the National Basketball Association playoffs these days, but I find myself confused with the game that Dr. James Naismith created in 1891. Much has changed – we no longer use peach baskets to throw the ball into. And those “basketballs” were much different from the ones we use now, 29 1/2 inches in circumference, which of course today’s players can grip with one hand!
“Above the rim” — Today’s game is played above that “peach basket” which is now 10 feet from the floor. Players today, many of whom are easily above 6-6 and others over 7-feet tall, can dunk the ball as they hang onto that peach basket. Dunking the ball was never legal in my day or even in Lew Alcindor’s (Kareem Abdul-Jabbar) days in college as it is permissible in today’s game – at all levels. “On the floor” — Observing that in almost…
Posted On Friday, 17 June 2022 00:00 Written by
Data has quickly become as valuable as gold to many businesses and organizations, especially with how many products and services have evolved to be more digital than not. If we think back to merely a decade ago, or perhaps even a little farther, we already had early iterations of smartphones, tablets, and other mobile devices while computers and the Internet had quickly become a staple in our everyday lives.
In the early years of the Internet, and leading up to the days of mobile devices, collecting and analyzing data was a slow process. Information had to be stored somewhere, and companies often outsourced this storage to remote servers for later review. Keep in mind that data was a lot simpler years ago, as much of it wasn’t needed the moment it was collected, but, instead, it was leveraged each quarter when discussing sales, customer behaviors, and new marketing…
Posted On Tuesday, 14 June 2022 00:00 Written by
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