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Posted On Monday, 07 November 2022 10:01 Written by

Posted On Monday, 07 November 2022 00:00 Written by
Posted On Monday, 07 November 2022 00:00 Written by

There are dozens of old sayings that apply in today’s market, you can pick from any of all that you like:

  • Everything works, nothing doesn’t.
  • The harder you work, the luckier you get.
  • If you do what you always have done, you will get what you have always gotten; but if you don’t like what you are starting to get, stop doing what you are doing!
  • Those that succeed are willing to do the things that those that fail will not!
  • You must do what the others won’t, so you can have the things that the others can’t!


The common ground is that they all hold true to a very simple reality; if you don’t do the work, you can’t receive the reward! Think about it. For the last few years loans fell from the sky. Purchases, refinances, it was all so easy. There were just so many opportunities it was a struggle just to keep up. The problem is, almost everyone became focused on opportunity management and forgot (or never learned) how to generate opportunities!

Yes, business has slowed as rates have gone higher, but people are still buying homes. Yes, rising rates make it a challenge, but home ownership is still a better value and a safer bet than renting. Yes, rates can go lower, and then you can refinance. Yes, rates can go higher, and then you are set with a P&I payment that will never go higher! Yes, property values may go lower, but you were already committed to being happy for the next thirty years with your payment in exchange for the home you get to live in. The reality remains, the interest rate on renting is 100% on a one-year balloon, with no guarantee of renewal at any price!

We have the jobs report on Friday and the election next Tuesday. Come next Wednesday morning the markets will have to digest the results and choose a path. Either way, people will buy and sell houses and likely need mortgages. It is up to you if you want to sit by the phone and hope it rings; or create an activity list and generate opportunities. And remember, Hope is not a strategy for success!

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Posted On Monday, 01 January 2024 00:00 Written by
Posted On Friday, 04 November 2022 19:36
Posted On Friday, 04 November 2022 14:01 Written by

Entitlement carries the definition “give right(s) to.” Parents give certain rights to their children. Football coaches often give their quarterbacks the right to alter a pre-set play – called an audible. The operative word in this definition of entitlement is give. Someone must give the right to another.

Today’s parents are often concerned about young people who “feel” they automatically have rights without them being given. This is in no way in conflict with what “certain inalienable rights” means. Many generations before never felt they were entitled to anything that they didn’t earn. If they didn’t earn it, they didn’t get it. Period!

This now leads us to today’s sports stars. The opinion here is that there is a difference between sports stars and athletes, who by the definition herein are those who carry the responsibility of earning what they gain. Entitlement is not even in their dictionary. Athletes, by the definition here, don’t feel entitled to status, fame, money, etc., until after they have earned them. Take notice of a police blotter report that lists NFL players and other NFL employees who have been arrested.

These arrests were for traffic tickets, DUI, assaults, thefts, disturbing the peace, disorderly conduct, resisting arrest, possession of drugs, carrying a concealed weapon, and domestic violence. Why does this happen? How can they be allowed to represent the shield of the NFL, and more importantly, how, and when will they learn to avoid such maleficence?

Herm Edwards, former head coach of college and professional football teams has often said, “Playing in the NFL is a privilege, not a right. Players and coaches must honor that (NFL) shield through their behavior and stature.” May we add, college players must also honor their college/university history and traditions.

We thank those many players who do listen and do honor exemplary leadership!

Will you pattern your behavior after those who honor and respect traditions and the “shield?”

Posted On Saturday, 05 November 2022 00:00 Written by
Posted On Saturday, 05 November 2022 00:00 Written by

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