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We are now sure that includes Sha’Carri Richardson, the 5’1” Texan sprinter who won the 100-meter United States Olympic Trials in Oregon earlier this month. Later she was disqualified. Did she “jump-the-gun”? Did she interfere with her competitor in the next lane?

Nope! This 21-year-old LSU freshman ran that 100-meters in 10.86 and is one of the 10-fastest women in the world. She says she is “only human.” Ha! it must be added that with that speed, she is more super-human. She said her role model was Florence Griffith Joyner, a former UCLA Bruin who died from suffocation in her sleep due to an epileptic seizure some 3 years ago. Flo-Jo is the current 100-meter world record holder at 10.49- just about one-half second faster than Richardson’s mark in Oregon.

Sha’Carri’s disqualification was the result of her use of marijuana prior to that race at the Olympic trials. The US Olympic Track and Field Committee, while under some scrutiny for its position on the use of marijuana, made it clear to all Olympic trials’ athletes that pot is against the rules. Richardson’s test following her outstanding achievement discovered the use of that banned substance.

Richardson is to be congratulated for her sportsmanlike response to such a personally devastating defeat. From all that has been printed/noted, she accepted the Olympic committee’s decision with the heart of a champion! Since she was aware of the ruling, why would she knowingly violate it? The short answer is that she was informed (prior to that race) that her biological mother had recently died. It had a huge emotional impact on her.

If you saw that race, you noticed when Sha’Carri crossed the finish line with her orange hair flowing behind her, she immediately climbed into the stand to give a hug and big thanks to her grandmother, who raised her and gave her such positive reinforcements that encouraged her toward success. Yes, she will be a fan who watches on TV, while her teammates carry on with her only in their hearts and minds.

The question many are asking is: Did that use of marijuana help her physically to achieve that 10.86 Olympic Trials victory? While it was a banned substance, experts report it did not provide her with any physical assistance. For Sha’Carri its use was for her emotional stability.

Will you offer your thoughts: Should Sha’Carri have been allowed on this 2020 US Olympic T*E*A*M?

Posted On Friday, 23 July 2021 00:00 Written by
Posted On Thursday, 22 July 2021 00:00 Written by


 Jennifer Larsen HeadshotJennifer is Assessments 24x7’s VP of Certification, Coach/Mentor, professional Values Analyst, and instructional designer for client customization and resource development. She specializes in helping clients, coaches and facilitators understand unique assessment results, and assists individuals and groups in personal and professional development.

Through educating others in improving communication, understanding critical thinking, embracing learning styles, evaluating emotional intelligence, and aligning behavior and values, Jennifer seeks to infuse others with a passion for learning and growing, encourage self-awareness, and impart simple, practical and applicable knowledge to help grow relationships and increase personal and professional effectiveness. Her career path has included individual and organizational development, secondary and adult education, customer service, corporate finance, and investor relations.

She holds a Washington State Secondary Education Teaching Certificate, a Bachelor of Arts in English with an emphasis in Composition & Rhetoric, a Master of Arts in Adult Education and Training, a Master of Science in Psychology, and a Master of Business Administration with an emphasis in Human Resource Management. She is also certified in a variety of training courses and development workshops with many well-known vendors.

She’s traveled all over the world sharing her passion and expertise, and training and certifying others to make a difference. Jennifer has delivered intimate and large-scale, public and private presentations since 2001 to corporate, educational, and professional development audiences on topics such as leadership development, self-awareness and personal growth, relationships between men and women, building effective communication, and quality training programs. Jen is also an avid painter, a professional singer, and a very busy wife and mom to a teenage hockey player.

Posted On Thursday, 22 July 2021 00:00 Written by
Posted On Wednesday, 21 July 2021 00:00 Written by


RellyNadler HeadshotDr. Nadler is the founder of True North Leadership, Inc. an Executive and Organizational development firm. He was educated as a clinical psychologist, has become a world-class executive coach, leadership and team trainer. He has designed and delivered many multiple day Leadership Bootcamps for high achievers.

All of Dr. Nadler’s executive leadership training programs and leadership development speaking services can be tailored for your organization or industry-specific needs. Please contact us for a personalized quote and information tailored to you and your unique organization.

A licensed psychologist and Master Executive Coach, Dr. Nadler has been working for more than 30 years with top executives and their teams to become “star performers.” He is the author of six best-selling leadership and team performance books, and is a sought-after speaker and consultant on leadership, teambuilding, executive coaching, emotional intelligence and experiential learning.

Dr. Nadler has coached CEOs, presidents and their staffs, and has developed and delivered innovative leadership programs for such organizations as Anheuser-Busch, Anthem, BMW, Comcast Entertainment, US Navy, and Vanguard Health. He has also created and facilitated team trainings for DreamWorks Animation, Comerica Bank, America Honda and General Motors Defense. He is recognized around the world for his expertise in linking emotional intelligence and hands-on tools to develop top performers.

Dr. Nadler received his B.A. from the University of Hartford and his M.A. in Psychology at the University of California, Santa Barbara. He received his Psy.D. in Counseling Psychology from the University of Northern Colorado. Dr. Nadler is on the faculty of The College of Executive Coaching since 2001, a post-graduate institute, that trains professionals in personal and executive coaching, and is certified in the use of Daniel Goleman’s and the Korn Ferry Hay Group’s Emotional Competence Inventory (ECI) and a Master Trainer for the Emotional Quotient Inventory (EQi 2.0) by Multi-Health Systems.

Currently, Dr. Nadler’s work involves identifying applications for how teams and individuals can increase emotional intelligence to become “star performers.” He has a popular blog on Psychology Today and is the co-host of Leadership Development News podcast with over 1 million downloads.

In his book, Leading With Emotional Intelligence , Dr. Nadler provides 108 tools and a hands-on curriculum to develop emotional intelligence in leaders and their team.

The Professional Staff includes up to twenty additional leading Psychologists, Executive Coaches and MBAs, who bring unique expertise to Dr. Nadler’s consulting and training projects.

Posted On Wednesday, 21 July 2021 00:00 Written by
Posted On Tuesday, 20 July 2021 00:00 Written by
Posted On Tuesday, 20 July 2021 00:00 Written by

Whether we ask Amazon’s Alexa to play our favorite song or shout “Hey, Google” before asking the device a question to help our child with their homework, artificial intelligence (A.I.) has been in the spotlight more frequently in the past few years in consumer applications.

In past articles, I have identified the implementation of artificial intelligence (A.I.) as being “helpfully cool”; however, its application in industries of all sorts is exponentially revolutionizing how we both think and work. Coupled with the disruptive nature of the coronavirus pandemic of 2020, A.I. is now far beyond the novelty it was originally considered to be.

Because of the versatility of A.I. applications and how quickly they are becoming applicable in everyday life without us even realizing it, the business disruption that comes with them is speeding up as well. Organizations that implement my Anticipatory Organization Model will have tremendous advantage in leveraging the power of artificial intelligence (A.I.) and, in turn, will stay ahead of the curve.

A Truly Disruptive Hard Trend

Looked at in the context of my Anticipatory Organization Model, artificial intelligence  is an ideal example of a Hard Trend—a future certainty that will happen. This Hard Trend is now not just a future fact, but one that’s accelerating in power and application at a predictable, exponential speed.

While many of us are familiar with A.I. thanks to those aforementioned consumer-oriented devices such as Alexa and Google Home, the fast-developing potential of artificial intelligence is becoming evident, especially after the disruptive year of 2020 and the coronavirus pandemic.

Another component of my Anticipatory Organization Model is the role of the Three Digital Accelerators, specifically, the exponential growth of computing power, bandwidth, and digital storage. These accelerators I identified as early as the 1980s are what drive digital disruption, and artificial intelligence is heavily reliant on those three, allowing it to take off in disruptive ways never thought possible. This disruption can, in many ways, make or break an organization and its processes.

Given those digital accelerators, many different kinds of products and services, especially A.I.-related, haven’t merely changed their markets or industries, they’ve thoroughly disrupted them and completely shattered the status quo.

Let’s have a look at a couple of different disruptive A.I. advancements that were not only already in motion before 2020, but were drastically accelerated by the pandemic, understand a bit about how they work, and think exponentially about how A.I. can be applied to your organization.

Robo-taxis

The pandemic certainly made physical contact with humans a difficult and nearly impossible task, as social distancing, mask wearing, and complete virtualization of processes for many organizations were necessary shifts.

Rideshare programs like Uber and Lyft saw a massive drop in their customer base thanks to the pandemic, and for many start-ups working exclusively with A.I. in the automotive industry, this pandemic obstacle became the occurrence they needed to take the leap in transforming public transportation.

Robo-taxis are just as they sound, self-driving taxis fully powered by A.I. The functionality behind A.I. in the automotive industry is largely similar to a bat’s sonar ability. The built-in features use a type of sonar to detect danger and obstacles, diverting the vehicle from potential collision.

At the tail end of 2020, Tesla founder Elon Musk promised that in the coming year, there would be at least one million Tesla robo-taxis that function in an Internet of Things (IoT) framework, where you use a smartphone app to hail them. Around the globe, China also released a large network of robo-taxis, benefitting the need to slow the spread of the coronavirus from person to person while also keeping public transportation moving.

More Efficient Operation

Manufacturing companies are not usually the first to implement A.I. and machine learning (M.L.); however, with the acceleration of those Hard Trends thanks to COVID-19, just as many are starting to see tremendous ways in which they can streamline processes and even go remote with others.

COVID-19 disrupted the status quo of many manufacturers in several industries in that not only did human contact have to be limited in a world dominated by physical workers, but logistics changed drastically as well. But as we bounce back, and as A.I. makes its appearance in the logistic world as commonly as robo-taxis and public transportation, A.I. applications make business processes in the manufacturing world far more streamlined.

Human beings cannot work around the clock, but machines can when necessary! Combining A.I. and M.L. with what is being referred to as the Industrial Internet of Things (IIoT), not only can manufacturing happen around the clock with less human interaction, but those individuals who do work during traditional hours can potentially operate remotely as white-collar workers had to during the pandemic and global lockdown.

Capitalize on Soft Skills

While my Anticipatory Organization Model helps businesses leverage accelerated digital disruption to their advantage, the collateral damage many employees worry about, especially as it relates to A.I. and M.L., is their employability in the industry. What happens if and when humans aren’t needed for tasks that were vital to their job description?

Well, that is where my Anticipatory Leader System for the individual comes into play! Recently, I’ve used it to discuss the importance of understanding your soft skills, or the art side of science. When a computer can program, what will the software engineer do? When a machine can assemble an automobile faster than human beings on the assembly line, where do workers fit in?

My Anticipatory Leader System uses the same principles the Anticipatory Organization Model does to train the individual on seeing the Hard Trends of their industry, think exponentially about them and their skills, and learn how to become disruptors themselves before being disrupted.

There will always be a place for humans in a digital world; as A.I. and machines learn how to do the math, science, and laborious tasks of past careers, humans will fill the sentient, creative side of those tasks. A robo-taxi can drive people where they need to go, but perhaps the once-driver of a taxi cab is now communicating with the person via remote telecommunication, keeping them company during transit or even aiding in a change in plans that an A.I.-enabled vehicle cannot.

How we as organizations or individual employees stay ahead of disruption, especially ones accelerated by the pandemic, is to pre-solve problems before they disrupt with anticipation.

Posted On Tuesday, 20 July 2021 00:00 Written by

I’ve been hearing from my clients and have read some comments by others that people are saying they are going to “wait” until home prices come back down and it’s more of a “buyers’ market” before buying their next home. That is an interesting thought, but it begs the questions:

• When will those prices come back down, and from what level and to what level will they go to?
• Will the come back down price be lower than it is today?
• What is the cost of your current housing doing?
• What will the cost to borrow be IF, and it’s a big if for a reason, if the cost to you to borrow LESS MONEY is higher than the cost of borrowing MORE MONEY is today 

You see, I am not sure who it is that is guaranteeing that home prices will fall below where they are today, and by how much they are guaranteeing those prices will fall? I’m not saying it can’t or won’t happen, I am saying the facts are it might not ever happen that home prices ever are lower than they are today; and I am certain that if they do, mortgage rates will be higher, maybe significantly higher, than you see today.

Let’s look at some numbers, we have seen home appreciation above 13% across the country, with higher rates at the lowest price points. Prices are still climbing even though we are seeing fewer offers on each property, multiple offers exist on 65% of all sales according to the MBA. Don’t ignore the fact that new listings are up 4% year over year, so please stop blaming inventory!

We also need to look at mortgage rates. With inflation, as measured by PPI at 7%, how long will it be before we see rates go higher? Most experts expect the first move in tapering FED activity is to slow or stop MBS purchases. Where do you think rates go when that happens? 4%, 5%, higher? What does the payment look like at higher rates? Even at lower loan amounts in the future if there is a drop in home prices; higher rates may still make buying today a better long-term deal!

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

Posted On Monday, 19 July 2021 00:00 Written by

“Put people around you who are the best at what they do, then let them do what they do best.”  Jo Garner 

Former baseball player Steven Kanborg finds it fascinating to watch people operate in high-pressure situations. He tells of the big college baseball playoff game. Everyone was playing as usual until two teammates, under stress, stepped out of character.  They forced throws, tried to do too much at the plate, and handed the opposing team the advantage.  It was a long bus ride home. 

As a homeowner, when you are trying to sell a home, buy another home, pack up, move, and unpack, it can feel like a high-stakes game.  A lot of transition and a lot of money on the line can add to the pressure.  If you are not a real estate professional yourself, it's time to consider the advantages of having a reputable real estate professional of excellence on your team.   

A good realtor can bring a powerful degree of separation between you and the other party, preventing common mistakes caused by stress.  They know the value of homes in your neighborhood and have more details on the surrounding sales than you can get on Zillow.  Realtors are trained in the best way to negotiate a real estate transaction.   They have at their fingertips good home inspectors, lenders, home repair contractors, and more. As a result, they can pave a smoother way through the process to eliminate negative surprises at the closing. 

The lowest interest rates in history are largely driving the real estate market in 2021.   This past week, mortgage rates moved down to the lowest mark since February.  Inflation numbers are at a ten-year high, and the economy is bouncing back with decreasing jobless claims. Still, Federal Reserve Chairman Jerome Powell is assuring the marketplace that the Fed will continue buying 120 billion dollars per month in mortgage-backed security bonds.   This bountiful bond-buying is the biggest reason mortgage rates are staying low, even though inflation is running hot. 

Mortgage rates are not tied to the Federal Reserve rate.  They are more closely tied to the 10-year bond yield.  When yields are up, the price on mortgage rates tends to move up.   Inflation and a stronger jobs market tend to pressure the bond yields higher and mortgage rates higher, but our current day market is not playing the game the way we are accustomed to seeing it played. Keep your eye on the scoreboard and the financial markets.  

As real estate professionals, we can include stories that show our clients how we solve problems for them in the real estate transaction and finance process, yet still make our customers the hero.  By doing what we do best, we free our customers to do better the things that only they can do for themselves and their families during the big move. 

Posted On Monday, 19 July 2021 00:00 Written by
Posted On Monday, 19 July 2021 00:00 Written by
Posted On Sunday, 18 July 2021 00:00 Written by
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Posted On Sunday, 18 July 2021 00:00 Written by
Posted On Friday, 16 July 2021 00:00 Written by

Can the words civility and sports fans be used in the same sentence? If the simple definition of civility is courtesy and the word fan is abbreviated from fanatic (excessively enthusiastic), can fans be courteous?

We recently observed that fans have thrown objects at NBA players as well as shouting vulgar and obscene names at them during and after games. We’ve also noticed that some fans, wanting to cheer on their T*E*A*M by standing up thereby blocking the view of other fans, who were cheering the same team, but seated. All of these fans were in seats near the playing floor. The seated fans asked those standing to please sit down since those seated couldn’t see. Those standing refused to sit. If you were one of those standing, what would you do?

It was observed that those standing were younger (20s-30s), while those seated were older (50s-60s). Older fans intend to sit more than stand, and at stadium events usually sit throughout the event. Attending a concert an older audience usually remains seated, except for an occasional standing ovation. During an athletic event, standing happens more often.

Younger fans tend to stand throughout – rock concerts and the like. You may have noticed that during college sporting events, students stand the entire game – football and basketball. During the recent NCAA Baseball World Series, most all attendees were seated except for the occasional home run.

During the aforementioned confrontation, the fans’ response to the request to sit down was, “We paid for these seats,  and we’ll stand if we want to.” Those sitting replied, “Well, if you paid for the seats, sit in them!” “NO!” came back from the other side. The banter continued.

Since today’s younger crowd wants to stand, the question is: Is it their right, even if they do block the view of others?” Those standing argue that standing creates more enthusiasm and support for their team. If you observe players closely you may notice that while the players welcome their fans’ attendance, they don’t care much if they stand or sit.

One caution: Please be careful in fan confrontation in today’s world since it may lead to violence.

Will you be considerate of others not only in arenas but in all parts of society?

Posted On Friday, 16 July 2021 00:00 Written by


Cathy DrozCathy Droz, Founder/CEO is an accomplished automotive journalist, author, speaker and radio host with a passion for the automobile industry. A native of New York, she was just 17 when she purchased the family sedan, which evolved into a 40-year career including opening a full-service automotive advertising agency, and, most recently, publishing her first book, “A Woman’s Guide to Buying a Car with Confidence and Street Smarts – Don’t Let These High Heels Fool You.”

Highly respected by industry influencers, Cathy has test driven more than 500 vehicles, giving her insight and knowledge on virtually every make and model on the market to effectively educate the car buying consumer and make the search for the perfect automobile a pleasant and rewarding experience.

Cathy is currently Founder and CEO of HER Certified® — which stands for Honesty, Excellence and Respect — the industry’s first comprehensive certified dealer program aimed to help dealerships better serve female car buyers. The full-service “trifecta” employee training is designed to ensure the dealership not only meets, but exceeds, a woman’s expectations when buying or servicing a car. To be a part of the program, qualified dealerships who meet the criteria pay a fee and then receive items and services such as sales training for up to 100 employees that focuses on how to handle sales with female customers. Additionally, employees take the sales training online and must pass with 85 percent or higher. The sales training includes downloads of a workbook and her book for each employee taking the course.

A champion of community service and leadership, Cathy is a member of the Phoenix Automotive Press Association, a past President and Executive Board Member for Silent Witness, a distinguished member of Worldwide Who’s Who of Entrepreneurs, a 2016 Phoenix Suns Amazing Women award winner, the 2018 Honoree for Outstanding Women in Business, a volunteer for the Retired NFL AZ Legends, St. Vincent DePaul, and Alice Cooper’s Solid Rock charity, and donates 4% of all sales to the Girls Scouts of America to help promote financial literacy in young girls.

Cathy resides in Phoenix, Arizona, with her husband Manny. She is the proud parent of three children and nine grandchildren.

Posted On Friday, 16 July 2021 00:00 Written by



MichaelKrisaMichael Krisa - Vice President of YLE Consulting Group is a real estate broker and has been a practicing since 1989.

In that time he has won numerous awards for outstanding sales achievement and has managed a number of top producing offices.

Commonly known as "That Interview Guy", he is famous for getting up close and personal with the movers and shakers in the Real Estate Industry. His audio and video interviews let you go behind the scenes and learn from the greatest minds in the business.

In addition to his interviews with the leading names in real estate, Michael is also a consultant, coach, and VP of YLE Consulting Group

Posted On Thursday, 15 July 2021 00:00 Written by


 Coni HeadshotConi Meyers, LMC, CBLC, CDC, Crisis Management Specialist, and Leadership Clarity Strategist has spent over 40 years supporting thousands of individuals and businesses.

She is passionate about helping and creating mindful, visionary leaders that can overcome any crisis and disaster. Her unique background combined with her experience as a FEMA inspector and trainer ​gives her an all encompassing perspective for creating this certification. She saw a need to educate and prepare as many individuals as possible for all disasters. And so CKM was born!

Coni has helped taken the National Home Inspection Company​, now known as WIN Home Inspections, and OnlineEd from the local market to having a national presence. Additionally, she has owned four consulting companies and has earned three prestigious life and leadership coaching credentials.

Coni is the founder of CKM Solutions Group, as well as Crystalline Moment Success Movement and Kickbutt Leadership. 

She is an international best-selling author, speaker and trainer. Her current work includes her new books, 

When the Unthinkable Happens and 

Leadership in Trying Times. Coni is the author in the soon to be released, 

Crystalline Voices: Women Leaders in Real Estate.

Posted On Wednesday, 14 July 2021 00:00 Written by
Posted On Wednesday, 14 July 2021 00:00 Written by
Posted On Wednesday, 14 July 2021 00:00 Written by
Posted On Tuesday, 13 July 2021 00:00 Written by
Posted On Tuesday, 13 July 2021 00:00 Written by

Whether we swipe our finger or ask Siri using our voice, smartphones have become a window to the world of information and knowledge sitting in our front pockets and purses.

Nearly all of us have access to this miraculous device that allows for constant connection to and communication with the rest of the world, and in the rare case that we are not with these smartphones or other digital devices, we are probably asking the person next to us to use theirs to check something for us.

A Paradigm ShiftAs soon as businesspeople and consumers alike moved away from using devices like the BlackBerry and instead picked up an iPhone, a behavioral paradigm shift occurred.

We can now send a text or make a call with flawless precision, send high-resolution photos and videos, use an Internet browser to search for whatever we may need, and listen to an unlimited collection of music on Spotify or even stream television via YouTube TV, which caused us to become obsessed with using our time as efficiently as possible. This limits our patience for arduous or mundane tasks, making us frustrated with people who cannot move as quickly as our devices.

Does this make technology good or evil? To tell you the truth, it is neither. A smartphone is a tool, much like a hammer to a carpenter. It’s not the tool, it’s how we make use of it. So how can we use it to shape a better future for the world?

Thinking Exponentially About Smartphones

A smartphone’s ability to reach into the cloud and give you access to these aforementioned virtual products and services is only one piece of the puzzle. As I teach C-suite executives and business leaders with my Anticipatory Organization® Model, we must think exponentially about both software and hardware to stay ahead of disruption.

For example, the ability for our smartphones to function as supercomputers has begun to facilitate unlimited business possibilities. Think about the location services of a smartphone for a moment. How often do you consider what goes into the functionality and reliability of Google Maps? I’ll bet you think of the mechanics of Global Positioning System (GPS) navigation on your smartphone as frequently as you consider how you’d go somewhere without it: almost never.

With voice commands on both smartphones and comparable features in our vehicles, many of us even skip typing an address altogether and simply say where we want to go. The app gives us the best route and even an ETA using A.I., and in a matter of seconds, we are on our way.

For consumers, this feature does its job perfectly; the point is for us as consumers to take it for granted. But to bring exponential thinking to this, as entrepreneurs and business leaders, understanding the functionality behind GPS and location services you so easily have access to, we can see an amazing abundance of new opportunities.

A small component in your phone facilitates the access you have to a large network of GPS satellites, which provide the device coordinates of where the phone or tablet is located at any given time. This is a pretty large-scale usage of both software and hardware, combined with geographic information systems (GIS) in the cloud to instantly capture and present spatial data that provides users with the ability to locate not only themselves, but their surroundings as well.

So understanding this process, how can we look at this technology exponentially and, as business leaders or entrepreneurs, start to solve a problem? Likewise, what industry has a problem needing to be solved by a smaller-scale version of a smartphone GPS app? 

GPS-Powered Grocery Stores

Grocery shopping transformed dramatically during the COVID-19 pandemic of 2020, when not only were customers required to plan ahead a little better when making their weekly trip for groceries, but just as many opted to use curbside pickup or grocery delivery where possible.

Following COVID-19, how will grocery shopping transform? For those customers returning to in-person shopping after using pickup or delivery, which was easily facilitated by using an online shopping cart and searching for a specific brand of product, it is likely that their patience for walking the aisles will be paper thin.

Organizations are already harnessing our obsession with instant gratification delivered by our usage of smartphones and tablets in many other ways, especially online shopping. But how do we get customers back in the door of brick-and-mortar locations and, better yet, combat the negatives of instant gratification and make it a desirable experience for them?

With this information, coupled with an understanding of the GPS functionality at play in our phones, it should be easy to find a way for a grocery store to both tap into the location-setting industry and combine it with the inventory technology already at play on their online store. Essentially, create a real-world user experience similar to an online store, where the shopper creates their list and, perhaps as they walk through the store, has the grocery store’s app active and it pings when you get close to a specific product you’re looking for, helping you find its exact location.

This Is a Both/And World

Individual consumers’ desire for instant gratification increasing as a Hard Trend does not mean grocery stores, necessity stores, and in-person retailers are going to abandon all of their past operations. The level of connectivity this world boasts and the exponential increase in virtualization thanks to the COVID-19 pandemic have also created a desire in many to get out of their homes and physically shop.

Implementing an enhanced location awareness app in a grocery store merely improves the part of the grocery shopping equation that, prior to COVID-19, many found frustrating. Another exponential opportunity with this app idea is to build in a feature where it suggests to said customer another brand that may be more health conscious, perhaps tied in with stats from an individual’s wearable like an Apple Watch.

Enhanced location awareness provided by in-building systems allows customers to take their time and enjoy something as tedious as in-person grocery shopping with the arduous part having been solved for them. It also brings the inventory of an online grocery store to the in-person shopping experience, as the app could also let the customer know if something is out of stock and that another brand is available.

Using Anticipation to Expand

Remember, the Hard Trend is people’s desire for instant gratification in all situations of life, spurred about by the instant gratification of our smartphones. Knowing this, your opportunity antenna should be up as an entrepreneur.

Consumers want what they want, when they want it, and enhanced location awareness is increasingly being utilized by retailers large and small to fit these desires. By embracing this powerful tool and using it in an anticipatory way to pre-solve problems before they become problems, businesses can meet the needs of their customers in new and powerful ways.

Posted On Tuesday, 13 July 2021 00:00 Written by

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

“How wonderful it is that nobody need wait a single moment before starting to improve the world.”  Anonymous

We are experiencing an unusual real estate market convergence of robust home sales, the highest home values we have ever seen, and the lowest mortgage rates we have ever seen. These three factors, rarely ever seen operating together, are like walking into a master design studio full of problem-solving tools and innovative ideas hanging on every hook. As a result, you can redesign your home, your finances, and your lifestyle. Don’t wait too late to get started, though.

The market is always moving. This week we were surprised by mortgage rates dipping lower than we have seen since February. The Federal Reserve assured investors they would give plenty of notice before tapering off on the mortgage-backed security bond buying.  The Fed’s aggressive bond-buying has been a critical reason mortgage rates have remained artificially low for over a year.   

Inflation metrics have been running hot. We are seeing strong economic numbers and the lowest number of Covid-19 cases since the beginning of the pandemic. Usually, these factors would send mortgage rates spiking higher.  

Here are some common customer goals we see in the mortgage office:

1. First-time homebuyers are slamming the door on rising rents and opening the door to buying their first home.
2. Home sellers are taking their profits to leverage up to a larger house.   The low interest rate still makes this a good deal even though the person selling their home will need to buy another home which has also gone up in price.
3. Homeowners are refinancing to pay off their mortgage sooner, eliminating years of payments.
4. Homeowners are refinancing with a cash-out to get rid of other high-interest rate debt, freeing up money each month to apply to paying down more debt quicker at a lower interest rate.  Many times the client is remodeling the home or investing in a business or other endeavor. 

Homeowners, home buyers, and home sellers are moving quickly in this market.  They are looking for home repair pros, realtors, mortgage lenders, closing attorneys, and more as they redesign their finances, home, and lifestyle.  As a real estate or mortgage professional, when you are already well-connected to these knowledgeable professionals,  you become a more valuable resource.  You are like a one-stop shop for your customer.  

Posted On Monday, 12 July 2021 00:00 Written by
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