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
When opportunity knocks, answer the door!!! As the mortgage industry goes through another series of changes, you need to know how to take advantage of these changes.  We have talked about the purchase to refinance balance for all originators. Never has that balance swung so far to the refinance side, then back to the purchase side, that this has been a challenge for some to navigate.  There have been thousands of layoffs industry wide, some good people who have lost their jobs because their companies were not ready for the shift in business. Many licensed originators, LOAs, processors, underwriters, closers, and support people who could be a HUGE benefit to any thriving mortgage branch or company. Are YOU prepared to take advantage of this opportunity? The new reality is you need to be strong in the PURCHASE arena and setting coffee appointments with Realtors® and buying leads is NOT going to get…
Posted On Monday, 13 June 2022 00:00 Written by
“Change is inevitable. Growth is optional.” Countryliving.com The economy is changing, and families and individuals are modifying their living arrangements with the right financing. J.P. Morgan, CEO Jamie Dimon said recently, “brace yourself” for the economic hurricane. He was basing his prediction on the Federal Reserve’s perceived plan to continue bumping their Fed rate up multiple times this year and into the following year to try and push down inflation.   As the Fed continues to raise its rate and reduce its balance sheet of securities, the result looks like a recession in the future.  Consumers tend to restrict the number of purchases and switch to more affordable brands in response to the rising prices caused by inflation.  Homeowners with a fixed-rate mortgage historically have fared well compared to renters, because the principal and interest portion of the mortgage payment for homeowners is generally fixed and not going up and…
Posted On Thursday, 09 June 2022 00:00 Written by
Augmented reality has seemingly had its “time and place” in our lives in the past decade, most notably through interactive games like Pokemon Go or other geocaching applications. So many business professionals and general consumers have filed it under the label of a luxury item that it is only good for entertainment purposes. But little do many who turn a blind eye to the powers of A.R. know that there is a whole growing and disruptive world outside of this physical one we call home. A.R. is not “just a passing fad” or “some type of video game”; it has transitioned recently from a digital technological concept to a diverse and disruptive application implemented in so many different ways available to us.
From GPS systems to smart refrigerators, so many versatile technologies and characteristics of those technologies make up the concept of A.R. But the most notable environment…
Posted On Tuesday, 07 June 2022 00:00 Written by
It is very hard for markets to find their way when those in power and in control are just so WRONG all the time. When the former FED Chair and now Treasury Secretary Janet Yellen, someone who should know things about economic issues, absolutely gets inflation so incredibly wrong that she states that the only cure is for the government to spend trillions more dollars, even well after just about everyone else had given up the whole “transitory” nonsense. It gives people pause to think about how she would be so far off the reality we are experiencing now. When the current FED Chair Jerome Powell, the original author of the whole, “inflation is transitory” myth, tries to work himself out of the corner he painted himself into, by slow rolling raising interest rates and pushing congress to abandon the thoughts of continued spending trillions more dollars; it just makes…
Posted On Monday, 06 June 2022 00:00 Written by
“The true soldier fights, not because he hates what is in front of him, but because he loves what is behind him.” G.K. Chesterton  G. I. John decided many years ago when he started his military career that he was going to build wealth by buying real estate.  When John first started out, he bought a house in the city where he was stationed using a 100% veteran loan.  He put together a plan to get wealthy during his military career moving from station to station buying a house as his primary residence with each move and keeping the other homes for rental income. 
The challenge that threatened to shoot holes in his life plan was the fact that the more property he bought, the more specialized mortgage products he needed since his VA eligibility was limited to one or two properties. He needed an experienced mortgage loan…
Posted On Friday, 03 June 2022 00:00 Written by
Consumer behavior has been dramatically altered since the global pandemic of 2020 first started, and we are not going back! Because we are armed with greater comfort in using digital tools to shop and buy, physical stores need to embrace a digital-first strategy to elevate their in-store retail experiences. What people want and need changes almost daily, and companies are always introducing new, innovative solutions to the average person’s everyday problems, but more importantly, are trying to stay ahead of those changes in what consumers want and need. But how, exactly, can a retailer or hospitality industry business accomplish that feat?
Transformative developments in digital technology provide many new and innovative strategies and solutions, allowing businesses in the retail and hospitality industries to utilize my Hard Trend Methodology to transform their customers’ experiences and pre-solve problems consumers have before a customer has them. Additionally, technological advancements are making it easier to get…
Posted On Tuesday, 31 May 2022 00:00 Written by
As May ends, people begin their thoughts of summer. Mortgage professionals are no different. Anyone who knows me and works with me understands I stress the value of vacations and time away from work unplugged. I push for a minimum of two full weeks unplugged from the work arena and a series of at least three more long weekends disconnected from work. The summer can provide significant opportunities for fun and frolic, but also can lead to some really challenging issues if we fail to plan and account for everyone’s needs for time off. Time away from work can mean different things to different people. Some want a traditional time block of days away from work. Others prefer to take a few days or even hours off to meet their specific schedules. It can all be managed if we all get together and communicate the needs of everyone so that…
Posted On Tuesday, 31 May 2022 00:00 Written by
Recently I dug into some of my past TunneySides to see what has changed, what has not, and where we might need to revisit. This post – ‘Importance of Parental Involvement’ – from 10 years ago this month details the importance of how parents model healthy behaviors to their children. Playing sports is good for children both physically and socially. Importance of Parental Involvement originally posted on May 27, 2012
While we have no say in who our parents are, we hope they become role models for us. In today’s society with broken and/or dysfunctional homes, we hope and pray that we get lucky enough to have parents/guardians who will provide us with a positive environment. Some of today’s sports stars did make it to the top without the guidance of solid parenthood. As I watched and listened to Robert Griffin III in his acceptance of the Heisman Trophy…
Posted On Friday, 27 May 2022 00:00 Written by
Walking into the gym every morning I get to play a game called: Which Machines Are Open Today? Seriously, the earlier I get there, the crazier it is.  I have arrived at 4:55 AM only to see the same 30 people stretching in the parking lot every morning waiting for the doors to open.  These are legit psychos, and I admire all of them, but perhaps not as much as they admire themselves in the mirrors under the gym’s perfect lighting.
Most days I resort to working out on any machine that is available and camping there as long as possible, waiting for the other ones to open.  It’s a weird experience, but I actually like it, since it keeps my body guessing almost as much as my muscles. Today I got to the gym and the benches were open!  Bars and plates, weights and machines, a free for all! …
Posted On Wednesday, 25 May 2022 00:00 Written by
Decisiveness is hard to come by in today’s world. It seems to be a new trend that businesspeople, executives, and other types of team leaders stew on what the right decision in a specific circumstance is, or go back on what they have said merely weeks prior to completely change gears, much to the dismay of their employees or equals waiting for resolution. There is an interesting phenomenon occurring that points to precisely why this trend of hitting “undo” on a supposedly final decision is taking place, and it is rather simple to figure out. When facing a crucial junction in a project, new product, or industry-altering change, executives and leaders alike simply don’t want to make a decision between two perfectly good options.
Yes, what I just wrote is true — renowned business experts and those in leadership roles actually don’t want to decide. Reading that, you may suddenly have a…
Posted On Tuesday, 24 May 2022 00:00 Written by
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