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If you were around in 1964 when Bob Dylan wrote and performed “The Times They Are a-Changin’” you will surely remember how times were changing! The Vietnam War was raging. The US was still adjusting from JFK’s assassination. Free speech pods were springing up on college campuses. As an inner-city high school principal, we were trying to help kids grow, yet understanding their fears and uncertainties. Then along comes Bob Dylan supporting the many changes that were happening. Do we need Dylan now?

In sports, many changes happened in 2020 due to the coronavirus pandemic. Some local schools just finished a shortened football season  (it’s April!). Now as we begin the 2021 Major League Baseball season the suggestion has surfaced that the MLB move the pitcher’s mound!

What in the name of Abner Doubleday is going on? The MLB game is “a-changin’.” They recently changed the extra-innings rule to place a runner on second base to start an extra inning in order to prevent the game from going through several extra innings to get a winner.

Now they are moving the pitcher’s mound back a foot – from 60-feet, 6-inches to 61-6.

What in the name of Abner Doubleday is baseball, which has traditionally held to its time-old standards, doing? Well, MLB is concerned that the 60-6 is too close when pitchers are consistently throwing in the high 90s MPH and many at or near 100. Moving the pitching rubber 12-inches reduces the speed of the pitch 1.5 MPH and gives the batter one one-hundredth of a second more time to decide whether to swing or not. Will the home run rate jump off the charts?

MLB says this “test” will start on Aug. 3. Test? You will recall that MLB lowered the pitching mound from 15 inches to 10 inches in 1969 to help the hitter. The mound is still at 10 inches! It’s all about helping the hitters and increasing the offense. As the Zen master says: “We’ll see.”

Will the NBA follow MLB? Raising the basket from 10 feet to 12 feet has been suggested since I was in high school, but no action so far. NBA players now, and have been for some time, play their game above the rim. Will raising the bucket to 12 feet hurt the smaller players? Does it matter to Steph Curry at 6-foot-3 whether it’s 10 feet or 12?  Are you kiddin’ me?

Will you log-in on about changes you’d like to see in professional sports?

Posted On Sunday, 02 May 2021 00:00 Written by
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Posted On Wednesday, 28 April 2021 00:00 Written by

Krisstina WiseKrisstina Wise is a real estate mogul, Millionaire Coach, and creator of several multi-million dollar businesses including Goodlife Luxury, The Paperless Agent and most recently, WealthyWellthy. She is also an international speaker and the award-winning author of the Amazon Best-Seller Falling for Money, a romance novel for your bank account. Named one of the 100 Most Influential Real Estate Leaders in the country, she has been featured in USA TODAY, as well as by Apple, Contactually and Evernote for her creative leadership with emerging technologies.


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

Steve Jobs of Apple once stated, “The people who are crazy enough to think they can change the world are the ones who do.” This mantra has resonated with hundreds of entrepreneurs and business leaders over the past decade since Jobs passed on.

What is interesting is how many individuals hear the call to action about changing the world and confuse it with what it means to transform the world. There is actually quite a big difference between change and transformation. If the teams at Apple merely just continued on the path they were on prior to the debut of the iPod, releasing new computers and a few new features and capabilities, Apple would not be the billion-dollar company it is today.

Instead, Apple decided to transform an entire industry by placing “one hundred songs in your pocket” with the iPod, using the same mentality that allowed it to transform the world with the personal computer in the seventies. The mobility and user-friendliness of the iPod would later inspire Apple’s foray into the smartphones that now allow us to browse the internet, stream music, watch TV, and so much more.

How Change and Transformation Differ

As an entrepreneur or a business leader, it is imperative you know and understand the difference between change and transformation. This comprehension is not as difficult as you might think.

The stark difference between change and transformation is as simple as the Apple example above or an example I’ve referenced in the past regarding the switch from cable TV to streaming services.

Change is represented in a cable company merely adding new channels to an already existing service, or perhaps switching its service to a streaming service at no cost reduction to their customers, whereas transformation is a specific network like the Discovery Channel debuting its own streaming platform called Discovery+ and presenting a paradigm shift in media consumption.

Instead of a customer paying hundreds of dollars a month for more channels he or she may not watch as a “perk,” TV networks are splitting off on their own and transforming the broadcast industry just as much as Netflix disrupted Blockbuster all those years ago.

So it’s rather simple: Change is traditionally a surface-value adjustment, whereas transformation is a highly disruptive improvement.

Capitalizing on Disruption

It is safe to say that the coronavirus pandemic of 2020 certainly—and for many, unwillingly—disrupted the world over the course of a couple of months. Companies scrambled to convert most of their staff to a remote work environment using what was likely legacy technology never considered to be useful, as most never believed a global pandemic could strike in the way it did.

Taking teachers into account, the thought of teaching kindergarteners remotely was preposterous to many school districts; however, they were faced with no choice as cases surged and the government implemented safer-at-home orders everywhere.

Meanwhile, an overly quiet video conferencing company once considered merely useful in special circumstances became a commodity out of nowhere, and it most definitely came to the rescue.

Zoom Video Communications is among several video conferencing options that existed long before COVID-19 arrived in the United States. But why did industries ranging from education to weddings adapt to social distancing using Zoom?

One major reason is that Zoom was founded as a cloud-data solution, whereas competitors that previously had a stranglehold on video conferencing in the business world, such as Skype, Microsoft, and Webex, are built on SharePoint, a ten-year-old code that was not designed to function with cloud computing, multiple devices, or even an influx of people using it outside of corporations.

Coupled with its easy interface and functionality, Zoom rose above to transform the video conferencing industry and make it more user-friendly for everyone during a time when in-person meetings and gatherings were impossible.

Anticipate to Become the Disruptor

Knowing that disruptions in the world can either be created by others, as seen with Discovery+ versus cable TV, or completely outside of our control, as witnessed with Zoom and the COVID-19 pandemic, the opportunity to leverage those disruptions and transform your industry or the world as a whole is always there in some form.

Change is a process of treading water and protecting and defending the status quo in a reactionary, agile way. It might keep you afloat, but it leaves you vulnerable to a detrimental disruption that could very well put you out of business.

The more fail-safe route to go as a business leader is to foster an Anticipatory Mindset. As an Anticipatory Leader, you learn to focus on and understand the importance of transformation as opposed to change. You identify and differentiate between Hard Trends, or future certainties that will happen, and Soft Trends, or future possibilities that are open to influence. Using Hard Trends to pre-solve problems before they occur allows you to transform your industry, becoming the disruptor rather than the disrupted.

Consider signing up for my Anticipatory Leader Membership today to learn how you can better turn disruption and change into opportunity and advantage for you, your organization, and the world.



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

There are plenty of people around who have a lot to say about why things in the mortgage and real estate markets are a challenge. Many seem to spend more time looking to complain about why they aren’t doing better or how “hard” the job has become, then to spend time looking to see how much opportunity there is.

Yes, it is likely that for originators who depend on 50 – 60 – 70% or more of their business last year, that 2021 is looking a bit scary as we roll into the second quarter. However, purchase business remains very strong, so strong in fact that people are complaining about how many people want to buy homes!

The issue now is how to we continue to thrive as refinances shrink? First of all, refinances aren’t completely going away, they just aren’t as easy to sell since rates have come up from the bottom. It is important to remember that there are still millions of loans out there that would benefit from refinancing if you know where to look.

The next strategy has to be about mastering the purchase transaction so you are setting the proper expectations and preparing your clients and your referral partners on how to WIN in your market! The answers are right in front of you if you just look! Go back over your last 25 purchase deals and see why those offers were accepted. In many cases, those weren’t the only offers made on the properties, but they were the offers that were accepted! Knowing why they were accepted will help you better prepare your borrower to be a winner as well.

Now I know there will be challenges with some buyers. Some may have to alter their expectations and change strategies. Some may have to work on their credit profile, pay off debt, or just put together more money. The good news is, if you know what is winning, you can help your people focus on how to win in your specific market.

You can except excuses as to why you can’t; or you can share the strategies on how to win! Winning can be as simple as making a choice to do the work and follow a winning plan!

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

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

Some of the most common conversations I have been having with mortgage customers are those concerned with how much value they will get from the home appraisal. These calls come from customers who want to get a cash-out to refinance and remodel the home where they live.  We get calls from customers competing with multiple other offers to buy a home.  They want to know, “How much higher than the asking price should I offer for this home? Do you think it will appraise for that much?”

Prices of homes are continuing to rise. The median home price of $329,100 is up this week 17%  year-over-year.  Mortgage rates are lower than they have been in seven weeks. Prices on homes are being pushed up by high demand from aspiring home buyers competing to buy and lock low fixed rates.    The forecast is for home prices to rise and for mortgage rates to stay reasonably low into the following year.

Longer range predictions are for demand to remain high for real estate for years to come.  This forecast is based on the emerging households coming from the aging Millennial generation and the Z Generation. These generations will continue to need more housing because they are starting new households and expanding the size of their families.  They will continue to need housing to meet those needs. 

If you want to do your homework to estimate the highest value you can get on an appraisal for refinancing your home or the highest value you should pay over the list price to buy a home, here are some tools available for you to use. 

1. Connect with an experienced realtor who sells homes in the neighborhood that interests you.  A realtor can show you details on homes selling recently in your area.
2. Check with your city newspaper for detailed data for your targeted area to help you estimate the value of your home.  These reports can give you the information you need to make an educated guess for a small fee.
3. Appraisers can do a private appraisal for you, but you would not be able to use their review for mortgage purposes.   

When a lender gets an appraisal, they require the appraiser to use “bracketing” when choosing comparable sales to determine the home’s value.  Bracketing requires the appraiser to pick at least one home inside your neighborhood and at least one comparable sale outside your neighborhood.  The appraiser must choose at least one comparable home sale with a value lower than your target home and one comparable sale with a value higher than your target home. You can’t always depend on the appraiser to use the house across the street that sold a few weeks ago to get to the value of your home.   

Real estate professionals who can analyze a home appraisal bring massive value to the real estate transaction and their customers.  Randy the Realtor sold his listing to a buyer for about $250,000 in a neighborhood where most homeowners had upgraded their houses.  Randy's seller on the property had listed for sale had upgraded his home with granite countertops, hardwood floors, and updated plumbing fixtures.  The appraisal came in $10,000 lower than the sales price.  

Randy the Realtor put on his sleuthing cap and started researching the homes the appraiser used as comparable sales.   Randy found that the appraiser had used homes that had not been updated.  By pointing this out to the appraiser, Randy could get the appraisal value on his listed home increased by $8,000.  

It pays to know your way around the neighborhood.  It pays to know your way around a real estate appraisal.

Posted On Monday, 26 April 2021 00:00 Written by
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Mark Eaton Book Headshot minMARK EATON is a successful, award-winning motivational speaker, entrepreneur and best selling author of The Four Commitments of a Winning Team, who has earned the coveted CSP (Certified Speaking Professional) designation, the speaking profession’s highest international measure of professional competence. He has spoken to numerous world-class organizations including IBM, FedEx, Phillips 66, Caesars Entertainment, T‑Mobile, LG, and businesses, government agencies and universities at every level. He has been featured as a team-building expert in print and online publications such as, Sports Illustrated and

Eaton is also a 7′4″ NBA All-Star who played with the Utah Jazz for 12 seasons, led the NBA in blocked shots 4 of those seasons, was named to the NBA All-Defensive Team 5 times, was named NBA Defensive Player of the Year 2 times, and still holds 2 NBA records—most blocks in a single season (456) and career average blocked shots per game (3.5).

In addition to his work on team building, Eaton is managing partner in two award-winning restaurants in Salt Lake City, Tuscany and Franck’s, recently voted Best Restaurant in Utah.

Eaton is founder and former chairman of the Mark Eaton Standing Tall for Youth Foundation, which provided sports and outdoor opportunities for more than 3,000 at-risk children. He is a former president and board member of the Legends of Basketball, which supports the needs of retired NBA players.

Eaton’s television and radio experience includes eight years as host of Jazz Tonight on KJZZ-TV, host of Mark Eaton Outdoors on The Outdoor Channel, and three years as host of Sports Health Today, an internationally syndicated radio show. He attended Cypress College and the University of California, Los Angeles (UCLA).

When Mark is not speaking, writing, or working he enjoys traveling with his wife Teri, horseback riding, mountain biking, skiing, and the outdoors. He lives in Park City, Utah with his wife, children, horses, dogs, and barn cats.

Posted On Friday, 23 April 2021 00:00 Written by
You have undoubtedly heard that you only have one chance at a good first impression. It is important for us to set ourselves apart from the masses at every opportunity. A positive first impression is also a great means of initiating your quest to be trusted and liked by your prospect.  We must start somewhere in our process of building relational capital.
When we have solid credentials or are referred by a well-known or prestigious individual, we have a running start to a great first impression. But the first face-to-face meeting is the critical element of the formula for positive influence.
Can you see the difference in and importance of a solid first impression rather than one who goes into negative small talk especially about topics over which they have no control? (Like the weather! … or the economy). And remember to never expound on your personal problems. Cavett Robert used to say that when you share your personal problems with others, 75% of those you tell could care less and the other 25% is glad to hear that you’ve got them!
Always start with a positive greeting. You will impress others as one who will likely be a pleasure to talk to. I know speaker friends who have created entire talks around the importance of the first impression. Here are some examples of how you can respond to the opening question, “How are you?”

1. Ira Hayes -  “Great” … simple yet dynamic;

2. Ed Foreman -  “Terrific” … positive for sure;

3. Lew Bennett -  “Like a million! … I’m not sure what it meant, but it sounded excellent;

4. Zig Ziglar -  “Outstanding, but I’ll get better!” … A super answer that will even evoke some laughter;

5. Tom Hopkins – “Unbelievable!” … with that you are covered either way;

6. Carol Prentiss -  “Perfect” …  How can you beat that one? She and Jim had millions, and that might have had something to do with it;

Then there are those poor deflated souls who just can’t muster a positive answer.  They have a dejected tone and answer with comments like …

1. “Not too bad” – this remark is often a person’s way of saying that things are really pretty good in their life, but since they are basically negatively programmed, they feel a need to make a downtrodden remark. Do they think an expression of wholesome optimism is unsophisticated?

2. “Terrible” -  Boy, that will get you off to a fine start! From there the pessimist will proceed to elaborate on all of the imperfections of the world his life in it.

3. “I’m all right” – it’s not awfully negative but not very positive either. This is a lukewarm response that won’t set you apart.

4. “I’m getting by” -  just getting by huh? I’m not really fired up to talk to you; I like to talk to people who offer hope for optimism and positive results!

OK, I’ve used a lot of ink to delve into a relatively simple concept, but in business, if we are going to get a positive response we must say and do things that contribute to the kind of positive environment that is conducive to success. Another vital reason for a positive response to this simple question is that you are not only setting the stage for the interaction, you are also participating in positive self-talk that can intensify your own conviction!
Posted On Friday, 23 April 2021 00:00 Written by
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AYR Headshot July 2019 black dressCristy “Code Red” Nickel is the author of “The Code Red Revolution” and has been in the health and fitness industry since 1994. While studying Exercise Science

at the University of Memphis, Cristy competed in 3 NPC Figure competitions, placing in the top 5 at each show.

In 2003, Cristy became a federally licensed professional boxer and fought
in 15 professional fights all over the world over the next 7 years. She was named “Top 3 Most Dangerous Females on the Planet” by Ring Magazine, which landed her a coaching role on MTV’s hit series “MADE.” The success of that show propelled her to New York City to train top celebrities, business tycoons, models and professional athletes. In 2008, Cristy was awarded “New York’s Best Trainer” by Allure Magazine and featured in the August issue.

After retiring from boxing, Cristy settled in Boise, Idaho with her husband, Miles and dog, Annabelle. She has a passion for CrossFit, mountain biking, snowboarding and yoga. She has written thousands of nutrition programs and has worked with clients from all over the world.

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

We’ve seen cycles come and go—everything from music trends that emulate days gone by to past decades of fashion making a comeback.

It is evident that cycles are all around us. As a business leader, how do you turn cycles into your advantage, and better yet, what industries will benefit from cycles in the coming years?

Trends Are Cycles

Within my Anticipatory Organization Model, I emphasize the importance of identifying both Hard Trends, future certainties that will happen, and Soft Trends, future maybes open to influence.

Hard Trends and Soft Trends sound similar to the concept of cycles, don’t they? That’s because they are! If we begin with Hard Trends, a future certainty means we know it will happen. For example, we know the sun will rise tomorrow morning, we know spring follows a bitter cold winter, and we know a brisk fall follows a blisteringly hot summer.

On the other hand, Soft Trends are merely details that we can influence. The Hard Trend that the sun will rise tomorrow comes with the Soft Trend that we can choose to do something specific with the day that comes with said sunrise or choose where we travel to when that warm summer follows a mild spring.

Understanding how Hard Trends and Soft Trends can be leveraged in an anticipatory way is integral in leveraging cycles to our advantage, and this skill set is even more important now that we have begun a “new normal,” in our current world.

Positive COVID-19 Cycles

Now that we have been through a global disruption like the coronavirus pandemic, many businesses and business leaders have been distracted. No business was more disrupted than in-person, brick-and-mortar businesses.

Whether it was a movie theater chain or a family restaurant, COVID-19 halted growth in a seemingly insurmountable way for many who rely on physical customers walking through their doors.

But the good news is that cycles exist, just as sure as Hard Trends and Soft Trends exist! During the days of the global lockdown, I reminded everyone that these times will end; we will exit the days of COVID-19 and mask wearing. However, we have now witnessed something many of us never imagined: a global pandemic and quite a hit to the economy.

While that sounds disheartening, fear not! Not only will the economy bounce back; we are likely going to see a huge boom in those in-person, brick-and-mortar businesses. Actually, this was heading our way regardless of COVID-19, as seen with Amazon moving toward opening its own brick-and-mortar shopping centers. Now, it has been accelerated.

Having been kept from patronizing in-person businesses for the most part, customers are craving human interaction. As we bounce back, people are going to visit their favorite restaurants, try new ones, be open to travel, and want to stay in hotels again. Coupled with COVID-19 fatigue, does this mean people will throw their devices away and revert to the days prior to digital technology?

Absolutely not! Disruptions are going to increase, so as a brick-and-mortar business leader, you must be anticipatory in how you will stay ahead of the curve.

The Both/And World

We live in what I call a Both/And world, where the Internet of Things (IoT) and connectivity have allowed us to have both in-person and digital aspects to just about every industry, whether it’s a vehicle that has autonomous features and can be driven by a person or a company that has machines performing repetitive tasks while its human workforce works with said machines.

As an increase in patronizing in-person businesses becomes more popular than ever before, there will be just as much a need for you as an owner to find ways to implement digital technology in your customer experience.

For example, people have gotten used to the convenience of working out at home and not having to drive to a gym. If you are an owner, this poses a problem: How do you get those customers back? How about having your own Uber, for which gym goers can add a flat fee into their memberships to use an app that calls them a ride to the gym or perhaps a free feature on said app that facilitates a carpool option. That way, you ease them back into leaving the house to come to your facility.

We are in an era of rapid change, so it is important to pay attention to cycles, or Hard Trends and Soft Trends, and foster your own anticipatory mindset about how to transition back to normalcy as a brick-and-mortar business owner. It is a definite Hard Trend that individuals will return to brick-and-mortar businesses they were restricted from during the pandemic like never before; however, the convenience of digital technology is not far off their minds, so find a way to live in a Both/And world, and bounce back better than before!

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

Arguing with an idiot is a lot like wrestling a pig, you both get dirty, but the pig likes it! In weeks and months past I have shared a number of commentaries on the misinformation and many of the false narratives put out into the market to downplay the housing market, this week will be no different.

Please go back and look at all the rebuttal information I have shared with the whole “inventory” problem people are complaining about. Yes, unit numbers are low and remain low during a time of record breaking sales! Markets shift from buyers markets to neutral markets to seller markets. We are currently in a seller market.

Last week I spoke directly to the “Forbearance Panic,” people are worried that will destroy the housing market! I shared how completely baseless the argument is and how all of the homes currently in forbearance would not and could not enter the market to deflate it, but if they did, there are currently not enough houses in forbearance to supply the five to six months’ worth of inventory that NAR desires to have what they call a “neutral market”.

This constant panic, by the very same people that spend their entire careers trashing the housing market, should just be cast aside if not ignored completely. However, if you want to buy into the fear, go ahead, the rest of us will remain and serve the millions of people who want to buy a home. Seriously, why argue with those who want to sit on the sidelines and “wait until prices drop” or “rates come back down” before buying a house. In a market where we have multiple offers, some well over asking, would it really be a problem if some of those people stopped looking? I don’t think so.

So educate yourself, your referral partners, and your clients with the information they need to make an informed choice. If they see the value in buying a home, help them prepare themselves to be successful. If they want to buy into the hype and the fear, let them go. If people still want to live in fear after they are presented with the facts, opportunity, and value of making an informed choice; let them go and serve those that see the opportunity.

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

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

“Being challenged in life is inevitable; being defeated is optional.” Roger Crawford

Values are high, and rates are lower than they have been in a few weeks. Pressure builds to  buy your first home or sell the one you have  in order to buy your next one.  Finding and financing your next home seems to run smoothly until you run up on some challenges.   How do you conquer challenges and move to your celebration day?

Here are the four common barriers homebuyers face when buying their home.

Lack of funds to close. When the bank account is short on funds, it is time to pull out the treasure map.  Can you borrow against your 401k retirement fund?  Do you have a cash value on a life insurance policy?  Gifts from family members are helpful. Look into local down payment assistance programs. Ask about getting a loan secured on a different home or asset to provide funds to close on the new house. 

Debts too high, income too low. Look for additional income like annual bonuses. A good loan officer knows how to add certain expenses on the self-employed borrower’s tax return back to income like depreciation, depreciable business miles, business use of home, and other items.   The loan officer may find that the borrower's answer is to rearrange debt to lower debt-to-income ratios.   

Low Credit Scores- If you need to add about ten to fifteen points on your credit score to get a better price for your mortgage rate, you might try paying down your revolving credit card balances to show that you use less than 30% of the credit limits on each card.  Once the credit card companies report the lower owed balances, there is a good chance the credit scores will improve.  

Appraisal problem- When the appraisal comes back showing repairs that pertain to the structure, security, or sanitation of the home, these repairs must be completed before closing. Loan program exceptions allow repairs to be completed after closing, but funds have to be put in an escrow account to cover them. In some instances, the seller gets the contractor to repair the home and agrees to pay the contractor after the home closing.  

The homebuyer still takes home the gold when they call on real estate professionals to help conquer these obstacles.  A good realtor, mortgage officer, title company, and others make great teammates for the homebuyer. 

What do YOU want to accomplish with YOUR mortgage?  Make your plan. Let’s work your plan. If the deal works for you today, let’s do it today.   Let’s explore YOUR options. Connect at  

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