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 SummerGoralikSummer Goralik is a Real Estate Compliance Consultant and licensed California Real Estate Broker (#02022805). Summer offers real estate brokers a variety of consulting services including assistance with California Department of Real Estate (DRE) audit preparation, mock audits, advertising review, and training. She helps licensees evaluate their regulatory compliance and correct any non-compliant activities. Summer has an extensive background in real estate which includes private sector, regulatory and law enforcement experience. Most recently, she worked for the Orange County District Attorney's Office as a Civilian Economic Crimes Investigator in their Real Estate Fraud Unit. Prior to that, Summer worked for the DRE for six years as an Investigator. Among many achievements, she wrote several articles for DRE, four of which were co-authored with former Commissioner Wayne Bell. Before she embarked on her career in government and law enforcement, Summer also worked in the escrow industry for nearly five years, for both an independent escrow company and broker-controlled escrow division. Aside from her consulting business, Summer is also an Instructor for The Escrow Training Institute.

Posted On Thursday, 29 July 2021 00:00 Written by
Posted On Thursday, 29 July 2021 00:00 Written by
Posted On Wednesday, 28 July 2021 00:00 Written by
Posted On Wednesday, 28 July 2021 00:00 Written by


Judy LaDeurJudy LaDeur, President of Judy LaDeur International, specializes in helping Brokers, agents and team leaders build strong profitable businesses.

As a highly successful coach, business-owner and entrepreneur for over 30 years, Judy knows what it takes to be successful. As Rookie of the year, number one salesperson, and a top earner, Judy learned early on the value of setting herself apart from other agents and how to knock out her competition. When Judy was asked to join the leadership team of her organization, she quickly learned that Brokers needed to set themselves apart as well. Her personalized approach shows agents, brokers and recruiters how they can rise above the competition and become the obvious choice in their market. Her unique ability to see value, opportunity and to bring out the best in others is what sets her apart. Top performers have coaches because they perform better and earn more money with a coach than they do without them – and you can too. Why? Because the right coach gives you the attention, objective insight, feedback, direction and accountability that help you achieve your desired goal. Working with the right coach will make all the difference in how business flows your way.  To schedule a 15-minute consultation with Judy LaDeur, send an email to This email address is being protected from spambots. You need JavaScript enabled to view it. or sign up today!

Posted On Wednesday, 28 July 2021 00:00 Written by
Posted On Tuesday, 27 July 2021 00:00 Written by

When Bitcoin debuted in 2009, I published an article making a few predictions using my Hard Trend Methodology that have proven to be highly accurate. While I stated that cryptocurrency and blockchain technology represented a Hard Trend that would grow exponentially, it is time to discuss the next Hard Trend: digital currency.

You likely have heard of cryptocurrency, but how is digital currency different? Believe it or not, there is a vital difference. Understanding what digital currency is, how it can be used and potentially misused, and how it is drastically different from the likes of Bitcoin and cryptocurrency is paramount in shaping the future of global and local financial systems.

Banking Apps, Cryptocurrency, and Digital Currency

Many individuals view the use of their digital banking app or credit card as a “cashless, digital way to pay.” That is not digital currency. The digital nature of your savings or checking account is tied to physical cash and a ledger system owned by your specific financial institution.

Cryptocurrency (Crypto) is not run by banks or the Federal Reserve, and it is not backed by the FDIC. It is run by private entities and is highly decentralized. Crypto itself is a concept, built on software that essentially eliminates the need for a middleman, such as a bank or credit card company. It also contains programming that limits the existence of it; there will eventually be no more Bitcoins.

Digital currency is functionally similar in that it has the high potential to eliminate the need for a middleman, but if the U.S. decides to create the “digital dollar,” as I believe it will be called, it would be issued by central banks as an alternative to paper bills, approved by the Federal Reserve, backed by the FDIC, and represent a real replacement for physical cash.

The Benefits of Digital Currency

Aside from the concept of avoiding the need to carry dollars in your wallet or purse, there is an abundance of benefits that comes with releasing a digital dollar in the United States.

Recently, I was flying on a commercial airline, seated next to a gentleman who mentioned he was traveling with a large shipment of newly printed one-hundred-dollar bills headed to the central bank. He also noted that there were many like him performing this task on a daily basis.

Imagine not only the security risk of flying around with physical currency, but also the costs associated with having individuals fly with this cash. Isn’t it easy to think that it would be far more cost-effective for the U.S. government to digitize cash more and ship cash less? 

Digital Yuan and More

Sounds convenient, but the United States has yet to adapt the concept beyond review. Meanwhile, China is testing out its digital currency, the digital yuan, and is expecting a countrywide launch in 2022. The Bahamian Sand Dollar already emerged during the coronavirus pandemic of 2020, and both Visa and Mastercard are already working with it.

Brazil, Russia, Sweden, Europe, and several others are releasing theirs in 2022 as well. With China leading the way, this is one of a number of reasons the U.S. is reviewing the digital dollar concept and getting an Anticipatory plan in place. To start, the Federal Reserve in Boston is working on our digital currency, and the Senate is urging banks in the United States to move forward with an action plan; however, nothing is set in stone.

Finance Is a Both/And World

It is likely the United States is behind because of fear. When new, disruptive technology emerges, radical sides are taken. Digital currency makes many grip their cash and avoid it at all costs, while others who embrace it willingly avoid physical cash as an extreme stand for digital currency.

But what I teach in my Anticipatory Leader System is a way to leverage disruptions by using what I call the Both/And Principle. Will digital currency completely eliminate physical cash? Of course not! Will Bitcoin and other initial iterations of cryptocurrency fall by the wayside when the U.S. government introduces the digital dollar? Not at all! They will all coexist, especially at the inception, evolving at an exponential rate.

Banks and Institutions Must Adapt

What happens to banks and credit institutions when digital currency is offered to everyone in a country depends on how reactionary or anticipatory they are. There are many things that could go wrong, and many privacy issues that need to be pre-solved before the problem occurs — a key tenet of being anticipatory

Being a fast reactor, no matter how agile you are, will not be good enough! Become Anticipatory and learn how to use my Hard Trend Methodology to identify disruption before it occurs, giving you the choice to be a positive disruptor instead of the disrupted.

Digital currency represents a growing Hard Trend that is here to stay. The Soft Trend is: Will the United States act on this Hard Trend?

Posted On Tuesday, 27 July 2021 00:00 Written by

2021 has been a far from typical year. As everyone tries to find what the new normal looks like, we all are trying get ourselves adjusted. As we approach August, we realize the next “new” hurdle will be getting everyone in the family on track with the new schedules and timing of all the kids going back to school.

Back to school in any other year takes some getting used too. In 2021, with most of the country sending their kids back to school on a full-time basis is going to take some extra work! These time and schedule adjustments, even for those without children, can become a real challenge. I for one do not have any children living with me that are going back to school. However, the entrance to my community is on the same street as a school. Everyone that lives here knows that you must work around the school activity both in the morning and the afternoon or run the risk of getting tied up in traffic as the kids are dropped off and picked up!

It may sound silly, but with the year away from doing this, it could be quite an adjustment. It can also become an issue for those who have children that are changing schools and adjusting to new schedules. It’s not always just as simple as getting them out the door, it also is being sure that their full schedule allows for a smooth transition from home to school and then back again.

With these issues also comes a series of opportunities. Time, location, transportation, and a combination of schedules may open the door to mortgage and real estate choices to help manage it all. Remember, even as the kids go back to school, some parents are still working from home. While it may be helpful, it isn’t without its challenges. Without a clear break, some parents find it difficult to shift from parent mode to work mode without going to the office.

Refinancing the current home and updating or renovating could be a solution! New bedrooms, bathrooms, home office, or complete makeover could do the trick. However, the situation may require a complete change, and now listing, selling, and buying the next home become a reality. So be sure to connect with your database and ASK them how things are going and see if you can help them get back to school without their home becoming part of the problem.

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

Posted On Monday, 26 July 2021 00:00 Written by

"By choosing our path, we choose our destination." Quotemaster.org 

When you are looking for the quickest and easiest path up to your mountain, take the Mountain Trail Guide Sherpa with you.   A good financial advisor, a good economist, and a knowledgeable mortgage professional are like Trail Guide Sherpas. They are standing at the top of the mountain, looking down along every trail. When asked, the financial trail guide can point clients to what looks like the best trail to get to their destination. 

Let's take a look down the paths of homeownership:

1. The median home price this week of $363,300 is up over 23% year-over-year. The media is saying it is a Home Affordability Crisis.   But remember that Median Home Price does not determine affordability.   Affordability is determined by the relationship between home value Appreciation and wages.    Appreciation is only up 14% year-over-year.   People are also coming back to work with Pandemic Unemployment Assistance Claims falling by over a million.

2. The higher home prices do put pressure on first-time homebuyers. However, first-time homebuyers are still making up 31% of home sales over the last five months.   Cash buyers made up 23% of homebuyers, up 16% from last year.  Investors purchased 14% of the home sales, down 17%, which is a pandemic low.

3. Inventory of homes for sale is still down 19% year-over-year. Still, Chief Economist for National Association of Realtors, Lawrence Yun, forecasts that we will see more houses being listed for sale later this year.

4. Real estate economists are still predicting that the value of homes will continue to increase, even when mortgage rates start to climb. The serious lack of homes for sale and the tremendous buyer demand are being followed by an emerging Millennial and Z-Generation buyers market eager to own their own homes.

5. Mortgage rates are the lowest we have seen since February. So the big win for homebuyers is to lock in a low, fixed-rate mortgage on a home where they can build equity and wealth. 

The best realtors and mortgage professionals want every tool at hand for helping their clients overcome obstacles and feel good about their real estate decisions. Subscribe to one or two reliable real estate market news sources. Connect with your local Multiple Listing Service.  Lunch and Learn meetings and real estate sales meetings are great places to learn about various mortgage programs.   

Posted On Monday, 26 July 2021 00:00 Written by
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Posted On Friday, 23 July 2021 00:00 Written by

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. 

www.assessments24x7.com

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
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