Today's Headlines - Realty Times

Question for all who read this: to succeed at any business venture, you merely need to have huge resources, dedicated personnel, and a quality product or service, right? From there, it’s just collecting money and living a good life.

This presumption is more common than you realize, and could not be more wrong and misguided. In a world where exponential change and digital disruptions abound, you simply cannot rest on your laurels and merely rely on what you’ve already built. Because of the rapidly accelerating rate of change, your business is only ever as strong as its next innovation.

The goal should be longevity and significance over success, not merely one big payout and coasting down a hill, using reactionary mindsets and agility as needed to dodge obstacles while you coast. So if this aforementioned mindset is not the key to a successful and, more important, significant business, what is?

An Anticipatory mindset is the answer.

Fear and Caution Will Stifle Innovation

Before you successfully implement a more proactive mindset of anticipation as a way to continuously innovate, gaining a better understanding of something that affects everyone in business and life is paramount: fear.

While many companies organize themselves to successfully have breakthroughs in innovation, staying ahead of disruption and change in the process, others are failing to accomplish the same because of fear or even an unnecessary overabundance of caution. Fear is generated by the unknown: the future riddled with risk that we seemingly feel is completely uncertain and dangerous. Instinctually for many, we choose to play it safe and protect and defend the status quo with agility.

However, understanding and accepting that the concept of fear is in everyone helps in shifting your team’s mindset to one of anticipation and, ultimately, abundance. Exponential change brought on by both digital disruptions and changes in the world around us make abundance a reality. Change being the only constant means not only that your business processes and products will need to change, but also that you have longevity in business in the future!

The fear of the unknown and excessive caution actually stem from the fear of time passing coupled with burnout. You and your team have done a lot of work perfecting your product, so now it’s time to reap the benefits, right? It bothers you that by tomorrow, someone may be perfecting something else that makes your product obsolete, so you cling to past success with comfort disguising complacency.

“Nothing” Has an Expensive Price Tag

While yes, rethinking and reorganizing the fundamentals of your business processes and products can make you feel fearful and, in many cases, exhausted, the cost of doing nothing is tremendous.

The shift to an Anticipatory mindset may feel equally as nerve-wracking; however, it is positioning you to take the leading edge on tomorrow, and gets much easier as you integrate it into your everyday business practices. There is really no alternate choice; change affects everyone, just like fear as mentioned above, so it benefits you to be ahead of the curve rather than left disrupted and struggling in the future.

Saying “no” to change is lethal for businesses, and has been witnessed firsthand time and time again. Think of some big box stores that are dwindling, such as Kmart. Kmart is closing store after store, as their business model largely said “no” to innovating in a way that kept them competitive with the digital likes of Amazon and even the online options at Target and Walmart.

The innovation here did not have to be Kmart going fully online for any reason, as we know that even Amazon is putting into motion building physical stores, fully heeding my Both/And Principle I teach in my Anticipatory Leader System. What was really needed was reinventing and redefining their business process in an innovative way that marries in-person with online sales based on the Hard Trends, or future certainties, shaping the retail world.

Risk Based on Certainty

Now if fear comes rooted in risk, what if that risk is actually based on those Hard Trend future certainties that we know will happen? For example, the Internet was most definitely a Hard Trend that was quickly disrupting Kmart’s ordinary business processes, and one that was pretty clearly headed their way.

In a way, you eliminate the fear around risk when you base those risks on future certainties. So if Kmart had decided to transform their in-person shopping experience using new technological advancements, making shopping at their stores an easier or more enjoyable experience somehow, they would likely be closing far fewer stores than they’re slated to in the coming year, especially following the coronavirus pandemic of 2020.

Help Your Team Anticipate

It is imperative that you and your organization think critically and proactively not about what might happen, but about what is absolutely inevitable. It is equally as vital to keep at the forefront of your mind that innovation does not happen in the comfort zone; it happens when you understand how much you’re going to have to grow and transform in order to not keep up with disruptive change, but to anticipate it. Accepting that everyone faces the concept of fear will help that growth feel less daunting, as we all trip, brush ourselves off, and keep pushing more times than not.

Innovation is uncomfortable because it’s new, not because it’s bad.

Now go forward and ask yourself: what can you do to create an environment at your organization that embraces the discomfort zone and fosters some serious, creative critical thinking?

Let this question penetrate your plans and practices, which in turn helps you shift to an Anticipatory mindset, and you’ll find that you have the ability to turn disruption and change into opportunity and advantage!

Posted On Tuesday, 31 August 2021 00:00 Written by
Posted On Tuesday, 31 August 2021 00:00 Written by

Will the different generations of home buyers get what they want during the changing real estate market trends?  Homebuyers are welcoming in a positive shift because more houses are becoming available for sale with even more coming before the end of 2021.  The extra supply of homes for sale is slowing the still-rising prices of homes across the country. The median home price in June 2021 was up 12.7% --down from 15.2% in May 2021. 

The measure of median home prices over the last year have been skewed because most of the homes sold were in prices above $500,000 to over 1,000,000 dollars.  Aspiring home buyers had to work harder to find homes in the lower price ranges.  That trend is making a turnaround.  More newly listed properties are smaller and less expensive compared to last year.  Younger homebuyers have a better chance of snapping these homes up.

CoreLogic predicts that home prices will continue to rise into 2022 but at a much slower pace.  Mortgage professionals and their customers expect mortgage rates to rise, especially if the Federal Reserve announces that they will pull back from buying the billions of dollars per month in mortgage-backed securities. On the other hand, if the Fed makes the tapering of bond-buying gradual and foreign and domestic investors make up some of the buying shortfalls, rates may coast along and stay enticingly low.  

All of these trends are paving an easier road for home buyers and homeowners who want to take advantage of refinancing to lower their rate, shorten the term on their loan or pull cash out.  If they are not buying a home, Baby Boomers and Generation X have been positively restructuring their finances by refinancing their mortgages.    Millennials and Generation Y make up the biggest homebuying group.  This group is celebrating the smaller, less expensive homes going up for sale.   

Generations Buying Homes in 2021*

Generation Z (born after 1997)  2% homebuying market

Millennials mixed with some Generation Y (1981 to 1995)  37% of the homebuying market/ 22% of the home selling market

Generation X (born 1965-1980)  24% of the homebuying market/ 25% of the home selling market

Baby Boomers (born 1946-1964)  32% of the homebuying market/ 43% of the home selling market.

*National Association of REALTORS® Research Group- Homebuyers and Sellers Generational Trends Report

Get your own copy of Jo Garner’s new book “Choosing the Best Mortgage-The Quickest Way to the Life You Want.”  An essential mortgage guide with stories of people finding the right loan and overcome common barriers.  

Buy on Amazon and Barnes and Noble or 

Posted On Monday, 30 August 2021 00:00 Written by

Here we are at the end of August, two thirds of the way through 2021 and we have about 90 days left to generate opportunities that will pay us in 2021. The most important things to focus on are where you are now, and what you need to do to complete the year strong and move into 2022 with momentum. 

With an increase in both purchase and refinance applications last week, 3% on purchase and 1% on refinance, we get the news that home inventories are up better than 5%. All opportunities to make yourself focus on what you can do to get in front of business.

Now is a great time to review every pre-approval you have issued this year but didn’t close. Are they still looking, are they taking a break, or did they close with someone else? The first two present an opportunity to help move them into a home, the last one to remind you to stay better connected to your pre-approvals.

We also need to look at our calendar and map out our plans for the balance of the year. As the kids go back to school, there is usually a rise in listings and resales as people move out of the functional obsolescence of their current homes.

Homecoming, Halloween, Thanksgiving and Black Friday are all times to build around to put yourself out into the market and connect with people in a fun and exciting way! All it takes is a commitment to look at the numbers, workout a plan, gather support, and go have some fun! 

While August ends the second trimester of the year; September concludes leaving only one quarter of 2021 left to get it all done and paid for! 

As always,

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Posted On Sunday, 29 August 2021 00:00 Written by
Posted On Saturday, 28 August 2021 05:58 Written by

In 1927, Dr. Frank Crane wrote a wonderful book entitled Everyday Wisdom, which made quite a hit. Crane was a speaker, columnist, and preacher who had an impressive following. I acquired his books years ago and have admired him as a common-sense writer who influenced many. I love his quote, “You may be deceived if you trust too much, but you will live in torment if you do not trust enough.” Here are excerpts from Everyday Wisdom….

Today the business ideal is the “go-getter” who smashes his way through obstacles as if they were papier-mache scenery. The great difference between men, between the feeble and the powerful, the great and the insignificant, is an invincible determination, a purpose once fixed, then Death or Victory. That quality can do anything that can be done in this world.

The man who never gives up what he begins until it is completed is the one who keeps the end in his mind until he reaches it. The one who begins something only to drop it half-completed for something else is the one who keeps his eye on the desired end for a while and then lets other interests absorb his attention. We say the first has strong willpower, the second is weak-willed. It is, after all, a question of which side of the scales has the most weight, the present want or the future end.

Everybody makes mistakes. The people who succeed are not those who make none, but those who learn by their mistakes. And making mistakes is about the only way anybody learns anything. The people who fail are those who become discouraged over their mistakes. They lose heart, and when you lose heart the best way to get over it is to quit doing wrong and begin to do right. 

The value of work depends upon the spirit that is put into it. After all, we are nothing but human beings, whether at work, at play, or asleep. Work is nothing but the forthputting of the human spirit. It is the light that shines from the candle in the soul. It is the energy streaming out of the human mind.

No matter how well trained you are, how quick your eye, and how skilled your hand, your work is not the best unless you put your spirit into it. And the more spirit you put into your work the more good it does you. It reacts upon you wholesomely. For when you work at work you like, at work where your heart and soul and interest are, then it is not work anymore – it is play.

It is everyone’s duty to be healthy. Unless you are healthy it is hard to be strong, it is difficult to be attractive. It is possible for a defective person, by a courageous spirit, to overcome his disadvantage, but it is a disadvantage nonetheless. If you value happiness and success, watch your health.

Pascal thought that living was so important everybody must be studying it. But he said he was surprised to find that more people knew the laws of geometry than the laws of life. Living is an art and one that is to be learned by practice and executed by skill.

Our real happiness is not a matter of chance, but of law. Our condition today depends on what we did yesterday. And whether any man is happy or not is a consequence of his total former actions. Inner success is certain. It is as much a subject of law as mathematics.

Our condition depends largely on our thoughts. It is the result of what takes place in us and not what occurs to us from the outside. Those who deliberately turn their attention away from disagreeable things, from failures and misery and wretchedness, and contemplate that which is bright and beautiful and sunny find the effect of it gradually growing upon them.

The sum total of one’s life and one’s efficiency depends also upon discipline. The undisciplined as a rule are unhappy. If a man does not have himself well under control he is liable to become the slave to the most unruly passions.

The principle difference between the wise man and the fool is that the wise man controls himself. He knows just how far to give way to his desires, while the fool is helpless before them. The former is like a man steering a boat and the other is like a boat drifting helplessly before the wind.

Abraham Lincoln, who understood many things, once defined willpower in a way which strips it of much of its mystery. He said the man who has willpower is the one who keeps his mind centered upon what he is after. As long as your mind and imagination are centered upon what you want to get or where you want to be the chances are you will keep trying. It is when your interest in it begins to fade that you waver.

Posted On Sunday, 29 August 2021 00:00 Written by

"Is this Heaven,"  asks a former Chicago White Sox baseball player of Ray Kinsella (played by actor Kevin Costner) in the movie “Field of Dreams.”

“No,” says Kinsella, “it’s Iowa!” But it sure appeared to be a heaven-like ballpark created by Major League Baseball in cooperation with Fox Sports and their corporate sponsors.

The field constructed in Dyersville, Iowa for this game surely gave one the feeling you were part of a heavenly place. It certainly did me!

Although this movie is now 23 years old, I have seen it many times. Following this real-life game played on Aug. 12 between the New York Yankees and Chicago White Sox in Dyersville, many have taken to Twitter and other forms of media saying how it related to them in real life. It certainly did me. I have always loved sports movies that relate to life experiences. ‘42: The Jackie Robinson Story‘ is like that.

As a kid growing up in the little town of San Gabriel, my “dream” was to play professional baseball for the Yankees. If you saw the game described here, it is obvious why I watched every pitch. As Ray Kinsella said, “Imaginations are infinite” and mine was. The Yankees lost that game 9-8 but took it to the bottom of the ninth when Chicago’s Tim Anderson’s 2-run homer into the cornfields outdid the Yankees three homers. My baseball playing was confined to school days.

As a youth in our front yard, I would practice pitching, throwing to my dad 60 feet away. Dad had played one year of professional baseball, so I knew I had a good mentor. I wasn’t surprised when he could catch my fastball from 60 feet barehanded. I also learned at age 12-13, if he could handle my best pitch barehanded, the Yankees would not be knocking on my door with a huge contract. When I heard Kinsella say, “If you build it, he will come,” he was hoping that his father, John, would show up on that diamond he built in his cornfield, and John did. My dad came to mind immediately.

In the movie when John agreed to “have a catch” with Ray you might have imagined the tear that was streaming down my face. Many similar stories can be found in that message.

Will you create and maintain the positive dream that Ray Kinsella had?

Posted On Thursday, 26 August 2021 00:00 Written by

amy 47 ppAmy Stoehr – CEO of Real Estate Masters Guild

Encouraging and supporting like-minded real estate professionals who want success, profitability, balance and significance as their operating model.

I've been training with, teaching for, and learning from the real estate industry's brightest and best since 1993!

My mission since 1998 has been to have a profound impact on improving the quality of people's business and personal lives.

I spent nearly 12 years with one of the real estate industry's most influential trainers, Howard Brinton STAR POWER Systems. Their foundation of best practices from best agents simply made sense. And the synergy and family atmosphere nurtured there is one I continue to seek out when I attend conferences and create in our live event environments.

On the personal side, I love to hike, and I put this to the ultimate test in September 2019 by summiting Mt. Kilimanjaro in Tanzania, Africa. That adventure became a life-altering experience that led to the creation of Kilimanjaro Kidz Education Foundation - I hope you take a few minutes to check it out! A portion of every single coaching package is contributed to better education for the children of the incredible people working on Mt. Kilimanjaro.

Oh, and some of you may appreciate that I'm married since 1994 to an excellent guy who tolerates my craziness - and super proud of the two sons we were blessed to raise.

Posted On Thursday, 26 August 2021 00:00 Written by

Everything that’s wrong in your life is because you broke a Promise to yourself!

You may not like that statement, but having now dug deep enough into this language and concept, it stands up with some heavy testing.

And don’t think I’m just pointing one finger at you, because three are pointing back at me, and I can prove my point.

What’s wrong in your life?  

Overweight?  You broke a promise to yourself.

Financially destitute?  You broke a promise to yourself.

Terrible relationship?   You broke a promise to yourself.

Seriously, look at all of the things that stink about your life, anything that you hate about yourself, and it leads back to a broken promise!

Your Health:

Do you REALLY commit to working on it?

Keeping that promise to do whatever it takes to regain it?

Can you find your treadmill under all of that laundry?

Your Money:

Did you really “invest” in that extra pair of shoes instead of investing in yourself, self-improvement, and your business?

Do you have a financial advisor, and have you ever listened to and done what they suggest?

How about learning to diversify your portfolio, and have different streams of income instead of relying on one thing?

Your Relationships:

Are you doing all you can to mend it?

And if it’s always the other person’s fault, then why are you still there, breaking the promise to yourself to continue the pattern?

Are you brave enough to make a change and keep a promise to yourself and family/business?

This post may be controversial or not sit well with some, and you may think it’s too harsh.  The unsubscribe button is very prominent on this one, and I encourage you to click it so I don’t have to pay for you to receive these free emails you don’t pay for, or read, anymore.  I’m happy to bring you along if you engage with me, but also happy to set you free from writings you’re not reading or liking at this point either.

Honestly, I’m sick of not keeping the Promise to myself to tell it like it is, because I must not have been clear enough to help you do something about your Broken Promises.  

You may have seen me on a stage making people laugh, and that is a big part of what I do and how I deliver an engaging and entertaining experience in a paid setting, but this is my blog and if you’re still reading it, you must have some kind of investment in yourself, or expectation in me, to say either:

  1. Jason makes me laugh, I like his inspirational stories and perspective, so I’ll take the time to read each week. 
  2. I receive too many emails, but Jason’s always make me think. 


Thank you for subscribing and reading 

And sure, there’s plenty of funny to be had in this concept, trust me!

For example:

Do you remember that one time you were late for a conference call and everyone was waiting on you?   That was hilarious!

Broken Promise.

How about the time you were supposed to prepare that big presentation and decided to wing it instead?  Such success!

Broken Promise.

Remember how you laid into that vendor who had an issue running your payment, read them the riot act, and then realized it was your fault?  Brilliant!

Broken Promise.

If you haven’t come up with a Business Promise Proclamation and how you handle customer’s issues, then your Brand will suffer.

If you haven’t created a Promise Culture in your organization where promises are made, kept, and expected between those who work with you, then your company engagement, employee satisfaction, and teamwork will die.

If you haven’t taken the time to finally take serious The ICM Process for yourself, how can you lead others?  Legendary Leaders know their Signature Moves, but you don’t know yours?   How then can you lead anyone?  How can you help anyone identify or clarify their effective and essential Signature Moves that keep the Promise to your team?  

If you don’t come to work every day with your Promise Proclamation firmly in your mind and heart, when all heck breaks loose, you will lose it after enough broken promises are sent your way.

Have you just read through all of those phrases and thought,
“I’ve heard him talk about those but it never occurred to me…I don’t have any of that information!  I need that for my business, for my team, for my personal growth.  Where can I get it?”

If you want it, it’s been here all along.  Let’s set up a call.  Seriously, we have been waiting for you to join us at The Promise Institute.

YOU must be the One to Keep The Promise.  

YOU are The Leader of your Position, whether you have the title of leader or not. 

YOUR Promise in your work, every day, is to show up and keep The Promise of performance, excellence, and patience EVERY SINGLE ENGAGEMENT with EVERY SINGLE PERSON whether you feel like it or not – because it’s Your Promise.

Your Broken Promises have ruled your life. 

I am a “professional legendary expert” at breaking promises to myself in favor of keeping promises to everyone else while I suffer the consequences.  

Everything I have written above is true FOR ME.

Maybe it’s true for you, too.

Or perhaps you’re playing the victim and saying,

“Well, mother nature causes an earthquake, that ruined my life, how’s that my broken promise?” 

Fine.  Let’s play.

Have you ever been in an earthquake?

I was – conveniently – last March 2020, right after losing all of my work, financially destitute, scared for our family’s future COVID looming, and suddenly a massive earthquake, first of our lives, shook SLC, UT.

My first thought?

Crap – where are the kids? 

I started running through the house like a crazy person.

And then – it was over.

That’s when I realized, “I have always meant to be ready for an earthquake.  I have food storage, water, many things in place.  Yet am I really ready for this if there is damage?  Do we have a plan?  A meeting spot?  A way to contact anyone if cell towers are down?  First-aid knowledge?  Am I really prepared to deal with the aftershocks?” 

It all came back to a Broken Promise.  Things I had always meant to do but never did.   Even a mother nature event helps us realize when and where we broke the promise.

My friend, stop making excuses about semantics in my writing just because it serves you to not face up the fact that your life’s biggest problems are because of your Broken Promises. 

That’s why I wrote a book about it.

Not just about Broken Promises, but a HOW-TO GUIDE on making and keeping The Right Promises, fixing that behavior, with exercises, tips, tricks, habit forming principles, and assessments that will shift the way you show up from now on.

I know for a fact that thousands of readers and subscribers of this blog never bought that book.  

Thanks a lot.

That’s my own fault.  I’ll own up to it.  I guess I didn’t feel strong enough  that the book was essential enough for you to need it.  So I really didn’t push it.  I promoted it for a few days, and that was a good wimpy effort.

Well I KNOW you NEED this book now!

Our world stinks.

Broken Promises everywhere. 

I’m sick of it, so I wrote a book about how we don’t have to be a part of that problem.

Don’t be The One who Breaks The Promise! 

RISE UP!  Live up to what you always knew you could!  I’m doing the very same, along with you!  I am on this JOURNEY WITH YOU!

You didn’t get the book because …well, perhaps, because I didn’t write a blog like this.

But more are coming, and they’re going to test you, push you, and if you read this far, trust me, I’ve just planted a worm in your brain that will make the thought of all of your Broken Promises fester until you get and read the book.  

You may not like it, but I’m keeping The Promise to me to finally allow the voice and words I use with coaching clients and those I mentor, who really want to improve, when I get right up in their face and they go, “WHOA!  I thought you were just the funny guy!  But that just freaked me out, you’re right, I’m going to do exactly what you’re telling me!”

So here I am now with you.  In your face.  You’re welcome.

Everything that’s wrong in your life is because you BROKE a Promise to yourself! 

It’s your own problem if you don’t want to change that fact, but if you do, the book’s here and it will immediately change your life and the Promises you make and keep from now on.

Posted On Wednesday, 25 August 2021 00:00 Written by
Posted On Sunday, 22 August 2021 06:47 Written by

Both in the corporate world and private world, video conferencing has been around much longer than the wide applications implemented during the coronavirus pandemic. Take, for example, FaceTime on an iPhone; years prior to the need for us to communicate via video, we’ve had the option to do so on our smartphones and other devices. In addition to real-time video conferencing, we have had access to sharing video media as a way to advertise or communicate as early as 2004 with the dawning and growth of YouTube.

In a corporate setting, audio visual equipment for both conferencing and filming is usually kept in a special room, or in the IT department under lock and key until someone books it. Until the exponential change brought about by the coronavirus pandemic, video communication of any kind was a luxury item.

But now, it has become a commodity in every industry.

“Zoom” Has Become an Action Verb

“Let’s Zoom about this” is a common phrase. We Zoom for everything, cutting down on the need to meet in person or even take notes during those meetings as the power to screen share, record audio and video, and add the whole company or staff to the meeting essentially uses my Skip It Principle on the need to share “meeting minutes” or notes.

Yet as this trend becomes our new normal more well beyond the pandemic, it is vital for us as business leaders and even educators to discern between two key terms at play here: visual communications and video conferencing.

Bring it Home® vREO is a newcomer providing video conferencing specifically designed for the Real Estate industry. It offers a secure, low-cost communication program that is licensed to all agents within the office.

The term “video conferencing” is becoming a static, one-way street when using Zoom, Microsoft Teams, or any other video conferencing software. When you partake in a video conference, frequently it is one person discussing or demonstrating something and afterwards opening up to questions. Most have none, as they now experience “Zoom fatigue” after a long meeting.

On the other hand, the term “visual communication” is different. Visual communication is more or less a style, where the presenter keeps the group engaged, even though they are at a distance. Many types of software allow users to “raise their hand,” comment in a chat room, share their screen in applicable scenarios; the list goes on.

Take a Lesson From Interactive Education

Colleges and K-12 institutions alike began to implement Zoom, Microsoft Teams, Skype, and others with seemingly no background knowledge as a way to keep schools open remotely in the wake of the pandemic.

Despite the Hard Trend that the pandemic is ending with the emergence of the vaccines, many schools, especially universities, are using exponential thinking to find ways to continue using video communication as a way to enhance the educational experience of their students.

However, having spoken with a few higher education institutions, I discovered that several that still have remote options are implementing a video conferencing mindset rather than a visual communication one. For example, one professor mentioned that not only did they pre-film one of their courses, they actually used those same videos for the spring and the following fall!

Unfortunately, this specific class was a technology course, where the cloud-based software they were teaching had updated and made this pre-recorded video obsolete. This made for quite a disengaging class, giving the illusion that Zoom and virtual education was a complete waste of time.

Humanizing Video Communications

My previous articles of the importance of soft skills in an increasingly digitized world apply heavily here. Disruptive digital technology has the ability to transform old processes for the better; however, it is imperative that we as humans be human in the equation.

When teaching an online class via Zoom, be sure you are using a mindset of visual communication, where you are live, interactive, and as hands-on with all exponential features of the software as possible. This not only keeps students engaged, but keeps distance learning interactive. Pre-filmed classes are passive and students will tune you out, which is detrimental to their education.

These same principles of humanizing video communication apply in the corporate world. As a business leader, engage your remote employees when having a meeting. If it is merely an all-employee meeting, perhaps start it with an interactive game they can play. In a digitally connected and physically disconnected environment, icebreakers can generate a positive experience and energize your employees.

Video Communication Is a Both/And World

Ironically and pleasantly enough, video communication has given communications a human face, as now we can actually see remote employees and customers rather than merely hear their voices over a teleconference like in years gone by.

Yet video communication is certainly part of what I refer to as my Both/And Principle. With this, the new doesn’t replace the old; they both coexist. Will phone calls be a thing of the past? If texting didn’t rid us of physically making a call, neither will video communications.

Also consider note-taking, both for the education industry and corporate meetings. Will that be a thing of the past? Of course not! Many students, employees, or anyone utilizing a Zoom recording listens back to the recording and takes notes after the fact so they can be mentally present during the actual meeting.

Developers are still testing the ways in which video communications can be pushed further, but one thing is certain: it is a Hard Trend. We will not go away from video communications; Anticipatory Leaders will just find new, exponential ways to utilize it at their institution or organization.

Don’t rest on your laurels: consider enrolling in my Anticipatory Leader System to discover how to pay attention to more Hard Trends shaping the world both inside and outside of your industry and pre-solve problems they may generate before they disrupt you and your team!


Posted On Tuesday, 24 August 2021 00:00 Written by
Posted On Wednesday, 25 August 2021 00:00 Written by
Posted On Tuesday, 24 August 2021 00:00 Written by
Posted On Monday, 23 August 2021 00:00 Written by

“You can’t build a great building on a weak foundation.” 

How strong are you financially?  Is your source of income stable? If something personally earthshaking should occur, do you have enough savings to cover your expenses for three months or even a year?  Are you investing in things that continue to build your wealth even while you sleep? For example, real estate has historically been an effective hedge against the effects of inflation. 

If you own your home, your net worth is probably looking better and better, with the values on homes appreciating at over 15% year over year. (Median home prices have risen at a higher percentage, but affordability is not calculated on median home price. Affordability is determined by comparing household income with the appreciation rate.) Lawrence Yun, the chief economist with the National Association of Realtors, predicts that home prices will continue to rise over the next year or more but not at the lightning speed we have been experiencing.   

Renters are having a tough time. Rents in many parts of the country have increased over 10% year over year and are predicted to continue rising.   Rising rents are compelling renters to gear up to trek into the homebuying market.   Good news for those entering the homebuying market—more homes will be coming on the market this fall and next year.  The bad news is pricing is still going up, making it a little more challenging to find a home with a payment that matches the budget. However, once you own your home and lock in a mortgage with a low, fixed-rate, you get to enjoy a principal and interest payment that never increases.   

If you want to build a good life living in a home that you own, here are some ways to get started building a solid financial foundation:

1. Get a job with a stable income, even if it is part-time.  If you are self-employed, you will need to show at least a two-year income history on your tax returns.  Mortgage underwriters average the last two years of  NET income. (Some paper expenses can be added back to your income for qualifying purposes.)
2. Set up a realistic budget. Take two or three hours to review your credit card statements and bank statements. Then, find ways to eliminate as many expenses as possible, replacing them with a different product or service that gives you the same benefit at a much lesser cost.  Once you know what you spend each month compared to your income, you will confidently know how much you can afford on a house payment.
3. Build up your savings. Arrange with your payroll department to have a set amount of your paycheck automatically sent to a savings account and let it grow.
4. Improve your credit.   Review your credit at and correct any errors. Make your payments on time. If you want your credit scores to improve, keep your balances on credit cards showing LESS than 30% usage on each card.
5. Get a clear vision of the life you want for the next 12 months,  the next five years, and the next ten years. Then, what steps do you need to take to move you closer to that life gradually? 

Get your own copy of Jo Garner’s new book “Choosing the Best Mortgage-The Quickest Way to the Life You Want.”  An essential mortgage guide with people stories for finding the right loan and overcome common barriers. Buy on Amazon and Barnes and Noble or 

Posted On Monday, 23 August 2021 00:00 Written by
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