Today's Headlines - Realty Times
Just like the Bitcoin boom of late 2017, Dogecoin, Ethereum, and other forms of cryptocurrency are starting to gain constant notoriety in the media. At this point, those who do understand what cryptocurrency is realize the disruptive nature of the concept and how it can upend the banking and financial industry. I recently wrote an article about how governments around the world are starting to adopt the concept of a digital currency that would replace cash, the United States being one of them, as cryptocurrency like Bitcoin is created by a private entity, extremely volatile, and is similar to gold. But the disruption from the concept of a digital wallet and cryptocurrency runs far deeper than just money. The technology that powers Bitcoin, other cryptocurrencies, and eventually the federally issued digital currency, called blockchain, is far more disruptive to many different industries, and yet no one is really paying a lot of…
Posted On Tuesday, 17 August 2021 00:00 Written by
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It’s the middle of August, which means you have 90 days to get in front of everything you are going to close and get paid for this year. Silly as that sounds; it is the reality. We really need to get ready for the sprint to the wire that is the next 90 days and we can start with knowing where we are. By now you know what is going to close in August, or pretty close to it. You also have a good idea of what September is going to look like. This will get you ¾ of the way to your annual numbers. It also sets the parameters of what you need to do to get to where you want to go the rest of this year. Key questions: • Are you tracking ahead or behind your business plan?• Are you off your blend of loans purchase/refinance?• Are…
Posted On Monday, 16 August 2021 00:00 Written by
“Financial independence is the ability to live from the income of your own personal resources.” Jim Rohn It’s a secure feeling, owning your own home with an affordable payment so you and your family can enjoy living life together.  It’s a feeling of satisfaction knowing that as the value on your home goes up, and the balance on the mortgage gradually gets paid down, you are building wealth for yourself and those you love.  1. Know your comfort level for a payment and down payment.  Experts on podcasts and financial posts suggest keeping your total house payment under 33% of your gross income.   They recommend keeping your total house payment and payments on other debt no more than 43% of your gross income.   Keep enough savings in the emergency fund to get your family through an emergency.  Don’t rely on the mortgage loan officer to tell you what…
Posted On Monday, 16 August 2021 00:00 Written by
Nora Crosthwaite spent years in software development and left to do something meaningful and positively impact the world around her. With no sales, marketing or real estate experience,  After showing hundreds of homes since 2015, Nora realized there was a need for helping sellers prepare their homes for the sale and make them shine. Nora wanted a convenient online staging consultation but couldn't find the right fit. So, she created it: Stagerie.  Nora runs a real estate team of three agents at Home Sweet Des Moines (brokered by RE/MAX Precision) and is growing Stagerie, available nationwide. Stagerie launched in 2020 and was one of six companies chosen for the Iowa Startup Accelerator program in spring 2021. Now, Nora has worked to make Stagerie the only occupied staging company that is a RE/MAX approved supplier and is actively looking for other partnerships. Stagerie has stagers in five different states, with more coming…
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Cristy “Code Red” Nickel is the author of “The Code Red Revolution” and has been in the health and fitness industry since 1994. While studying Exercise Science at the University of Memphis, Cristy competed in 3 NPC Figure competitions, placing in the top 5 at each show. In 2003, Cristy became a federally licensed professional boxer and fought in 15 professional fights all over the world over the next 7 years. She was named “Top 3 Most Dangerous Females on the Planet” by Ring Magazine, which landed her a coaching role on MTV’s hit series “MADE.” The success of that show propelled her to New York City to train top celebrities, business tycoons, models and professional athletes. In 2008, Cristy was awarded “New York’s Best Trainer” by Allure Magazine and featured in the August issue. After retiring from boxing, Cristy settled in Boise, Idaho with her husband, Miles and dog,…
Posted On Friday, 13 August 2021 00:00 Written by
Well, it’s over! The XXXII Olympiad scheduled for July 2020 in Tokyo that began July 23, 2021, and ended on Aug. 8, 2021, has officially ended with the closing ceremonies Sunday. It was Aug. 8 in Tokyo, but still Aug. 7 in Monterey, the location of the Monterey Herald where this column appears Monday mornings. What took so long to complete the 17 days of the 2020 XXXII games? First and foremost, due to the COVID-19 pandemic, the 2020 Games were postponed until 2021. Many throughout the world chimed in to voice their opinion during 2020 that even if the games were postponed until 2021 the pandemic may still be a factor. And yes, the pandemic continues to be a problem.  It is impossible in this writing to list those qualified athletes – worldwide –who were either quarantined or sequestered due to that infection. While you will not find that list…
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