Today's Headlines - Realty Times

What if there was a way to schedule yourself an hour a week to help you generate $25K, $50K, $100K, or more? In our business it isn’t all that big a challenge if we make a choice to commit the effort toward that specific result. It really is that simple, you just have to do three things:

1. Identify the time, this case Wednesday for an hour
2. Identify the strategy – plenty to choose from
3. Commit to the work until you reach the result.

It’s not any harder than that! For most of my clients. It is just a matter of setting it up as a personal challenge and then holding them accountable to the plan and the work!

Right now, my favorite challenge is looking back over the clients we did loans for prior to December of last year, or those we spoke with about doing a loan that couldn’t or wouldn’t do a loan because it didn’t make sense at the time or wasn’t as financially viable as it needed to be. Let’s look at the possibilities:

• Those who did loans, especially with PMI, are likely to benefit from refinancing out of that loan into a conforming loan without that PMI or MI cost. With appreciation rates over 13% nationally, it isn’t hard to see how you can make it work, especially if you start with your FHA and USDA closings.
• Next, we deal with those where there wasn’t enough equity to cash out what the customer needed to accomplish their goals. Once again, appreciation now helps us out and maybe enough to get it all done.
• Last, debt consolidation remains a very viable savings for many homeowners.
• BONUS TIP: For those who thought about moving and didn’t; things may now be clearer in their lives to make it more advantageous to sell and buy what they really need! 

So set your financial target, make your prospect list, schedule your time, and make the calls! The plan works if you work it!

Questions or comments: This email address is being protected from spambots. You need JavaScript enabled to view it.

Posted On Monday, 12 July 2021 00:00 Written by
Posted On Friday, 09 July 2021 05:52 Written by
Seems to me that it was appropriate for SCOTUS to pass a ruling, effective July 1, granting NCAA college athletes the opportunity of accepting remuneration for their NIL (name, image, likeness) when they perform their physical skills as NCAA athletes. Or was it? It was the intent of Thomas Paine, author of “Common Sense,” which first popularized the idea of independence, followed by Ben Franklin (of the $100 bill fame) who was one of the principal authors of our Declaration of Independence, that became effective some 245 years ago yesterday.
Several issues need to be considered – for common-sense purposes (excuse me, Mr. Paine). College athletes have always been considered “amateur” athletes. They participate without pay unless you consider they get free college education including free room and board as well as a small stipend for expenses. However, many say in our 2021 world that is not enough.
The complaint is that NCAA colleges and universities are using the athletes’ NIL receiving billions (yes, billions) of dollars while their athletes receive (at least for the moment) nothing! “Unfair!” scream those athletes! Then continue “while coaches get paid millions, in some cases ‘several’ million, and we get ‘nothing.” (See above “education” re: nothing). May this remind them: Coaches are employees, athletes are not! If those colleges are going to employ their athletes, then they must provide them with all the benefits of other employees, which can be numerous and encumbering.
This SCOTUS decision, as it is written, does not include all colleges and universities as well as not including all those who participate in athletics. If “we the people” are now professing inclusion as our standard, it seems here we are reverting more to separation than inclusion. Further, where are we headed? As former modern management guru, Dr. Peter Drucker, said, “The trouble with the future is — the future isn’t what it used to be.”
Will you log-in where we are going with pay for the college athletes’ NIL?
Posted On Friday, 09 July 2021 00:00 Written by
One of the great blessings of my life was my friendship with Dr. Norman Vincent Peale, the author of The Power of Positive Thinking. He was undeniably a legend of positive thinking. We were both on the speakers' staff of The Positive Thinking Rallies, a movement that began in 1975 and still lives on today. I started as the emcee and introduced Dr. Peale more than 50 times over a period of years.
On several occasions, I had dinner with Dr. Peale and his lovely wife, Ruth. Dr. Peale was gracious, authentic and always inquired about me, my career, and my family. His genuine optimism was impacting on me, and I often said to myself, if this great man is a product of positive thinking, then I’m all for it. He made a lasting and optimistic impression on me, from which I am still benefiting! Below is a story from one of his wonderful books…
From You Can if You Think You Can:
       All the resources you need are in your mind. They are established in consciousness waiting to be summoned. I will never forget the time I discovered that fact. It was worth a tough crisis experience to emerge with that truth which has served me well ever since. I found myself one day in a predicament requiring some fast thinking. As the American Legion's chaplain for Kings County New York, I was asked to give an invocation at a Memorial Day meeting on a May Sunday afternoon in Brooklyn's Prospect Park.
       A big crowd was expected, but I figured I could handle the few sentences of an invocation even though I was very young and inexperienced. Approaching the designated area of Prospect Park, I asked a police officer how many people were there. "Oh," he said, "about fifty thousand."
        I proceeded to the platform and introduced myself to the chief speaker of the day, former President Theodore Roosevelt's son, Colonel Theodore Roosevelt Jr., who later served in World War II with the rank of general and died on the beaches of Normandy. I informed him casually that I was scheduled to give the invocation.
       Then I sat down, picked up the program and examined it. To my consternation, I saw that I wasn't listed for the invocation at all. Instead, believe it or not, I was down for a speech just preceding Colonel Roosevelt's talk. The program read, "Address by Norman Vincent Peale, Chaplain of American Legion of Kings County." I gulped. Indeed, I froze. I had no speech prepared. What was I to do?
       I rushed over to the master of ceremonies and chattered, "There's been a mistake. I was asked only to give an invocation, but look at this program; you have me down for a speech. "Well," he said matter-of-factly, "if you are down for a speech I guess you will just have to give one."
       "But," I protested, "I just can't do that. To make a speech you have to be prepared, and I'm not. It's just not possible. Besides, look at that big crowd. Somebody else will have to speak in my place."
       Colonel Roosevelt, who overheard this conversation, looked me over appraisingly. "What's the matter, son?" he asked, "Are you afraid?" "Afraid? That's not the half of it!" I frankly acknowledged. "A huge crowd like this is enough to scare the life out of me! And anyway, how can I think up a speech in the next few minutes? It just isn't in the cards."
       "Oh, yes, it is," he answered, "and I'll tell you how. For one thing, stop telling yourself that you're scared and start thinking courage. Practice affirming confidence. And another thing, I'd suggest that you stop thinking of yourself. Come over here with me a minute." He led the way to the front of the platform and drew my attention to a big section of reserved seats all occupied by women. "Do you know who those women are?" he asked. "They are the Gold Star Mothers. That means that every one of them lost a son in the war.
       "They are sitting here on this Memorial Day afternoon thinking of beloved sons who aren't with them anymore. Maybe they are remembering the days when those sons were little boys who had to be held by the hand, sometimes had to be coaxed to sleep at night. They miss their boys. They have their sorrow, They are lonely and sad.
       "Isn't there anything you can say to these Gold Star Mothers? You certainly can love them. Forget yourself and start feeling compassion for those wonderful mothers. Then get up and give a talk just for them. Forget everyone else in this crowd if you want to. What you say to those mothers will reach everyone here. 
       "You can do it," he asserted. Then came that powerful statement which has remained with me ever since, one of the greatest of all truths. Colonel Roosevelt said, "Look, Norman, all the resources you need are in your mind. Sure, you can do it by just drawing on them. That speech is right there in that mind of yours. Relax, start thinking, and it will come to you."
       And he threw me two final words: "Think courage." He hit me sort of affectionately on the back. I drew a deep breath and said, "All right, Colonel, I'll try. But it's going to be a very short speech." "The shorter it is," he grinned, "the better it will be. But put your whole self into it Send out love to those people and you will shake off that fear of yours."
       So I made my little speech. When I finished and sat down Colonel Roosevelt leaned over and clapped me on the knee. "Boy, that was great! You rang the bell!" I am sure it wasn't very great and the bell didn't ring very loudly, but of course, I have remembered that man with affection ever since. 
       He was right about one thing. When you rely on your mind it will deliver, provided you've put something into it. And that is doubly true when you forget yourself and sincerely try to make life happier for other people. Forget yourself! Think courage. Believe that all the resources you need are in your mind. That is a formula really works."
Posted On Friday, 09 July 2021 12:00 Written by

deanna high res headshotIn 2009, Deanna Lambson, a U of U graduate, elementary teacher and mother of 6 decided to help the children at her local elementary school use technology in healthy and positive ways. She discovered that although there were a few lessons here and there saying 'Don’t post personal information!' or 'Be kind online', there was a huge void when it came to teaching kids how to navigate through a media saturated world. No one wanted to touch the topic of pornography. Deanna noted, “No one knew what to say. And no one knew how to say it to little ones as young as kindergarteners."

Deanna was determined to change that. She enlisted the help of Sarah Jane Weaver and Lisa Anderson to develop a program to teach principles of media safety in a kid-friendly way. “Our goal is to help kids WANT to make healthy choices online. Our purpose is to leave kids feeling strong and empowered. And they do!” After a week of memorizing and discussing power boost messages, kids know what to do when they encounter media that isn’t good for them. They have the power over what they view, what they post and what they share.

“The response to our first White Ribbon Week program was astounding.” Deanna said. “Many parents told us that their kids were coming home and teaching younger siblings the skills they were learning from the program. The kids really got it and that was exciting!”

The program, “I’ve Got the Power!" quickly spread to other schools, was endorsed by the Utah State PTA and utilized nationwide. Deanna and her growing team have since published “Let’s Get Real”, “Be a Media Detective” and “Brain Power!”. Together they have formed a nonprofit organization,, to provide materials and support to other schools across the county. “We just wanted to help as many kids as possible," says Deanna. "We provide the step by step program so any volunteer can lead a successful White Ribbon Week."

“White Ribbon Week is fun!” says Deanna. "If you see a bunch of kids excitedly searching the school for hidden messages while wearing media detective mustaches, you’ll know white ribbon week is in full swing!”

Deanna is a frequent speaker and presenter. She and her husband Don live with their six children and three fainting goats in Sandy, Utah.

Posted On Friday, 09 July 2021 00:00 Written by

Clearly, agents need to be on top of the latest innovations to help their clients, so here’s a quick rundown of two new tech tools that will add more profitability to your toolkit. It’s hard enough to keep up with the demands of buyers and sellers, but when we add new technologies into the mix in the form of apps, platforms, and services, it can be overwhelming!

Here’s a few tips on what’s available to you to help buyers buy and seller’s sell: 

No agent on site? No problem!

What if you could show a property without being there? You may be thinking, ”virtual tours have been around for years,” what’s so novel about that? 

I’m not talking about virtual tours at all! There is a new innovation in the showing game, called Occupi (  This app was developed when an agent kept complaining to her tech-head boyfriend that a showing got cancelled after she drove an hour to let the prospects in, or worse a “no-show” after battling New York traffic for hours.

Anthony Esper is the genius behind this app that allows a buyer to walk through a property without the agent.  The pre-screening is intense, including background checks, facial recognition, identify verification, and more.  Timing while in the property is also defined, and an intricate code system changes the lockbox access after every showing.

This is a real convenience in areas where parking is at a premium and nearly impossible for a buyer, listing, and a selling agent to find a spot.  This service conveniently provides access to apartment rentals, vacant properties, commercial locations, and foreclosures. It alleviates the issues that come with tardy agents and their buyers or building superintendents that are “off premise”. The result? The listing agent saves time and reduces stress!   

Next level up for second home purchases: 

People are on the move!  There is a noticeable upswing in buyers looking for second homes, but the owner has to manage and pay for that property while it sits unused for months at a time.  Enter Pacaso, the new way to own a second home!

This great innovation comes from Austin Allison, founder of DotLoop and other real estate portals. This latest launch involves real home ownership for multiple parties in one piece of real estate. Simply put, Pacaso ( offers co-ownership, where the company will manage the home, and you own it, or your percentage of a home with a handful of like-minded owners. Unlike the old “time-share” concept, Pacaso specializes in top second-home destinations with all the management done for you.  Recent reports show that families want more flexibility with their second homes and don’t want to be locked into specific future dates. Pacaso has created an easy scheduling system to allow booking time in a second home “anywhere from two days to two years in advance”.  

For all those sellers who are pleasantly enjoying more home equity, this part-time solution may be the right move for their needs.  Selling is an option as you work with a real estate agent who markets the home just like a regular real estate listing. 

There are a lot of shiny objects to chase in real estate, but smart agents do their research and find the solutions to best serve their clientele. Check out Occupi and Pacaso and see how these services can elevate your value proposition!

Posted On Thursday, 08 July 2021 00:00 Written by

This past week my sons and I went with a group of boys from our Church to ride the rapids in the Portneuf River, in Lava Hot Springs, ID.

By rapids I mean the equivalent of blowing bubbles in the milk of your cereal bowl.

This might be the tamest, most pleasant river rafting in the world.

And yet, as my 9-yr old and I went on our double tube, somehow we found ourselves upside down, stuck in a whirlpool where the rocks made a little water tornado…

While mildly drowning, a group of girls came crashing over the top of us, sending my son laughing and floating to the side and safety in his lifejacket, while I happened to explode.

I don’t mean my actual body exploded, but rather everything I had on: my expensive Oakley prescription sunglasses, my only hat that fits me that I purchased with my buddy Ty Bennett in Sydney, Australia, and my special water shoes from Jamaica on a cruise stop 15 years ago.

In one swift moment, I made sure my son was fine, all while catching these expensive items blasting from me, as I opened my hands to scoop them all back.

In that choice, to reach for all else, I ultimately made a fatal mistake: The special matching Koa Wood Tungsten ring my wife and I purchased at Spouting Horn in Kauai, HI for our 18th Anniversary (2019), which has always been just a little too big for my finger, slipped right off and into the dark water.

A feeling of sickness for my loss overwhelmed me, as I grabbed Royal, put him back on the inner tube, and climbed back on myself, to reveal to him the saddest moment of our trip to that point –

“Look, Royal…Daddy just lost his special ring Mommy gave me for our anniversary from Kauai.  I’m sad now in this river.  Are you ok?” 

Royal was fine, but was equally stunned to think the ring was gone.  He remembered where we were when we bought it in Kauai, even the “kind of scary lady with the crazy accent and incense burning” as we shopped for rings in the outdoor makeshift market…

We continued floating down the river.


3 hours later as I sat in my car, having just turned our inner tubes back into the rental, Royal and his 10-yr old friend, Beck, came running up and holding something in my face: My Ring!

“No way!” I shouted, “How? What?  How on earth…?” 

They smiled and told me their tale ~

Beck began:

“When you came back from losing your ring, Royal told me you lost it.  He was so sad and said you were, too.  

I was floating down the river and saw this guy snorkeling up the river who suddenly popped up and was holding a RING above his head!  He shouted “I found a Ring!” To which I yelled back at him, “Hey!  That’s my friend’s Dad’s ring!”  

He swam over to me and handed it to me!” 

I said, “Beck!  That is an incredible story, in so many ways.  I love that you remembered what Royal told you, and that you would convince that stranger to give you his treasure!  I love it.  You have a Superpower of listening!  Thank you, buddy!”  

Beck smiled, Royal smiled.  We took a photo to re-enact what they stood at my car door showing me: my special ring having been found from the river.


How well do you LISTEN? 

How often does someone tell you of a significant moment or occurrence and you have the chance to actually do something about it?

When do you actively listen to others, comprehend the meaning, and step in when you have the chance?

This is the same in recreation as it is on your team at work, when you hear the needs of another and serve them, listen to your partner at home and find ways to surprise them, listen to your customer and over-deliver! 

I am so impressed that Royal would share this story of my lost ring with Beck.

I am so impressed Beck listened and then kept his mind open to think, if by chance some miracle were to happen, that he would get that ring back!

And then to think he actually yelled to the stranger with the snorkel in the water that he knew the rightful owner and got it back!

And bravo to the man who found the ring, to actually give it to some kid claiming he knew the owner!

Crazy story!

This is the Story of The Lost Ring, and confirmation that Listening is a Superpower! 


All of this is The Promise.  

The Promise of listening; 

The Promise of actively engaging; 

The Promise of friendship. 


Your Promise Prompt This Week:

How well are you ACTIVELY LISTENING?

When your spouse tells you to do something, are you committed to being PRESENT enough to hear it, and actually LISTEN?

When your customer tells you what they REALLY need, and it was different than what you originally assumed they wanted, and realize you can OVER-DELIVER on a greater Promise?

When your HEART tells you to DO SOMETHING DIFFERENT, are you willing to listen to yourself?

That is The Promise.

Posted On Wednesday, 07 July 2021 00:00 Written by

We are in an interesting time in history, when transformative digital disruptions have their foot on the gas and are accelerating at exponential rates. Every industry is facing disruption in a multitude of ways, and it is now up to business leaders and their organizations to implement my Anticipatory Organization® Model and understand and identify the future certainties of Hard Trends and how to leverage them to become the disruptor before someone else does. Part of that process has largely to do with understanding the difference between transformation and change, both from a disruption standpoint and from the angle at which an organization disrupts from. Once an organization understands the difference between these two concepts, it has an advantage over those that focus solely on one.

What Does the Term ‘Change’ Mean?

Change is a common term. From an Anticipatory mindset, change means continuing to do something in essentially the same fashion, with only some minor variation.

For example, as vehicle manufacturers have done over the past decade, working in new ways where you can remotely start your vehicle, shut it off if you are not ready to leave yet, or even have the car essentially go into “standby mode” at a stoplight to save on carbon emissions is a change they have made.

Change can also go beyond a product or service itself and have more to do with the workforce of the organization in the industry. Increasing the marketing budget to create awareness around the fuel savings in those vehicles is an example or hiring more staff to help perfect that feature is also creating change.  

In effect, change is different, but somehow the same. It’s not identical, but it’s still something of a variation on an existing theme. Likewise, change is momentary. Adding a feature in cars that run on fossil fuels will not only quickly be replicated by other manufacturers, but it is also short-lived, as fuel-saving features can only save so much fuel, while the amount of driving one does or the cost of fuel will constantly evolve. 

How Is Transformation Different?

Transformation exists on an entirely different level and, as previously mentioned, is happening through disruptive technological advancements in all industries.

Transformation means doing something utterly and radically different. When you transform something, you make whatever came before it outdated, if not completely irrelevant. Let’s revisit the example of a car that shuts off momentarily at stoplights to save fuel. Entirely new types of vehicles, such as hybrid ones that toggle between both battery and fuel, or, in the case of Tesla and now Ford Motor Company, full electric cars, make that simple little change in already-existing gas cars obsolete.

Do they make fully gas-powered vehicles obsolete? No! We live in a Both/And world; there is a place for fuel currently and a place for hybrid and electric. But do they make that little fuel-saving feature on fully gas-powered vehicles obsolete? Yes!

Transformation is a disruptive Hard Trend; once it is in motion, we are not going to forget it ever existed and go backwards; we will only go into the Both/And world that I also discuss in my Anticipatory Organization Model. Change is a Soft Trend we can influence; once it is created, it can always be improved upon.

To keep to the automotive theme, consider the same principle of fuel savings in something high intensity like Formula 1 racing. Racers pit for less than three seconds; there is absolutely no reason the car should shut off for three seconds like gas vehicles at a stoplight.

In the way of hybrid vehicle concepts, where the vehicle is powered by fuel and battery, could that transform the way Formula 1 races go and cut down on having to take a pit stop as frequently as they currently do? Certainly. How about Formula E, a fast-growing league of fully electric race cars? Is that transforming the racing industry, especially as many auto racing leagues face just as much environmental scrutiny as automotive manufacturers? Most definitely!

Turning Change into Transformation

There is cost involved in developing a product or service that temporarily changes your industry and additional cost and employee time that goes into marketing it. Because of this, it is evident that change comes with an element of unnecessary risk. In my Anticipatory Organization Model, I teach about how strategy based on a future certainty is low risk, while strategy based on a future possibility is high risk.

It is decidedly better to go with the low-risk option, wouldn’t you say? And in doing so, you focus your attention on the future certainty of Hard Trends shaping the world in and outside of your industry to start, instead of trying to just drum up a small little incremental change to a product or service without any concrete, low-risk certainty.

What my Hard Trend Methodology does is take change and turn it into transformation that will allow you to be the disruptor and not the disrupted.

Start by taking a close look at your organization’s products, services and other activities. If they’re not the same as they used to be, consider the degree to which they’re different. Look more closely and see if those are just a slight adaptation to something that already exists or something that would turn the industry on its head, and how.

Even better, rather than looking to change something, why not aim for transformation right away using those Hard Trends? Remember, change is momentary; transformation is forever. When you leverage disruption of any kind to your advantage and become a positive disruptor, you set the standard like the leader in an auto race. There’s nothing ahead of you but opportunity.

Posted On Tuesday, 06 July 2021 00:00 Written by
Posted On Tuesday, 06 July 2021 00:00 Written by

“Wealth is the ability to fully experience life.” –Henry David Thoreau

As we celebrate Independence Day in the United States, the summer real estate and mortgage markets offer us opportunities to celebrate our own financial freedom and independence.  Home sellers see their home values hit higher than they could have ever imagined.  Homebuyers are buying their homes with the lowest mortgage rates we have seen in years. Homeowners have a unique opportunity to restructure their mortgage terms to remodel their homes and lower overall debt costs. 

Looking into the future for the real estate and mortgage markets, Lawrence Yun, chief economist for the National Association of Realtors, predicts that we will see more houses available for sale in the second half of 2021 due to the government forbearance program ending and homebuilders building more homes.  

Lawrence Yun continues his predictions saying, “Home price growth will steadily moderate with the increased supply of homes for sale, but the decline in prices is unlikely.”   Mr. Yun explains that the low mortgage rates are compelling more and more homebuyers into the home buying arena. In addition, low inventory looks to keep the real estate market strong into 2022. 

Aside from the home buying market, renters are not feeling as much freedom as rents continue to increase. As a result, more renters are pulling up stakes and striking out to buy their own homes. Millennials are leading the charge, making up the largest segment of the home buying market. Generation Z is stepping into action too. 

The Federal Reserve is talking about winding down the celebration on low mortgage rates with their plan to taper their mortgage-backed-security purchases.   As a tool to keep the mortgage rates at historic lows last year, the Federal Reserve started buying billions of dollars in mortgage-backed securities each month. However, now that the job market looks like it may be moving back to normal, the Fed has indicated they may wind down the aggressive buying, which would pressure mortgage rates to rise.  

Here are some areas that are trending:

1. First-time homebuyers make up over 30% of homebuyers in many areas around the nation.
2. Intergenerational bonding has been a growing trend for the last decade.  This trend occurs when parents move in with the adult children or children and grandchildren to move under the same roof with the parents or grandparents. 
3. High home values and low mortgage rates create an excellent opportunity for homeowners to refinance and restructure their debt, remodel their homes or reinvent their lifestyle.
4. Relocation for people who are making moves for employment in a post-pandemic marketplace.

As real estate and mortgage professionals, how can we get invited to be on the journey with our customers who want to buy a home or sell a home?  How can we position ourselves to be the resource for those clients who want to remodel their homes or restructure their finances? Become known as a specialist in areas of expertise that interests the people who will be your customers.

Posted On Monday, 05 July 2021 00:00 Written by

Half the year is done, and opportunities remain strong. As many are complaining about the typical items like “lack of inventory” or “rising interest rates”; my clients across the country are checking in up more than 9% in total units over the same time last year. So somehow, people who are working are making it happen!

It’s not hard to see why people are swayed by the media and those YouTube “experts” with their doom and gloom forecasts, it’s hard to see the reality looking through the distorted lens of much of the information. Yes, home sales in the month of April were down 4.4% year over year. This helped fuel the speculation of the end of the housing market. Then the May numbers come in UP 8% year over year and nobody seems to have much to say?

It doesn’t stop there, mortgage applications are down 6.9% - 5% on the purchase side and 8% on the refinance side; but the large number of cash buyers seems to be offsetting a good part of that, and its easy to see that houses coming on to the market are still being met with multiple offers in just a matter of days! Oh yes, home prices are up 13.8% on average but even more so at the entry level or starter level, which says to me, people still want to own their own homes!

Refinances aren’t done yet either; as values continue to rise, many of those people looking to cash out or escape MI and couldn’t just late last year, are seeing that become a reality. It’s important to call all your potential refinances from the past year who couldn’t make it work and talk to them about how it might work today!

Remember Friday is the monthly jobs report. The last couple of jobs reports did cause some volatility in the bond market. This, when coupled with the holiday weekend, might make it worth while to pay attention if you have some floaters out there 

Happy Birthday America! As always, This email address is being protected from spambots. You need JavaScript enabled to view it.

Posted On Monday, 05 July 2021 00:00 Written by
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