Today's Headlines - Realty Times

Change can be difficult, but it can also be an opportunity. New changes to the loan application form and the challenges that go with it are an issue for a large number of reasons. While any change in the mortgage industry is an issue, most recently TRID, you can always find a path forward.

I follow a few loan originator forums and often contribute when I think I have something significant to offer. Today I just want to point out that the change is here and we all have to live with it until the next change comes along. Complaining about the changes will not resolve the issue. Complaining on how much harder it is to do your job with the new application will fall like a brick. Whining about how it is harder to use your LOS and some of the supporting loan software you may have is a complete waste of your time! The form is here for now so get over it!

Take control of what you can control! The new form requires more specific information and there is no getting around the fact that you will have to work a little bit harder on the front of your loans (pre-approvals) to get what you need for a smooth transition from pre-approved to being in contract to buy. It may cause some borrowers to ask why you need all of this information? The answer is simple, without the information you can’t complete the pre-approval process, which is needed so we can close your application quickly once you are under contract!

Everyone is facing challenges. Your job is to make sure you can guide your clients and referral partners down a path that provides for the best possible outcome in the shortest period of time! Dealing with the new loan application is just one piece of the puzzle. Rising rates, COVID-19, spring buying season, huge numbers of buyers, potential delays in IRS activities, software interfaces, and all kinds of other issues will get resolved either by taking control of the things you can, and accepting the things you can’t. Anything else is counterproductive!

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

Posted On Monday, 08 March 2021 00:00 Written by
Posted On Sunday, 07 March 2021 00:00 Written by
Posted On Sunday, 07 March 2021 00:00 Written by

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

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

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

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


Posted On Friday, 05 March 2021 00:00 Written by

The Coronavirus Pandemic continues to wreak havoc on our country and the world. While we must maintain our safety by wearing masks (which we all dislike) and maintaining physical distancing (will we ever get back to congratulatory hugs?), we all so desperately desire to resume a normal lifestyle. Those in the world of sports remain determined to schedule games and sporting events. While it is certainly challenging, we do what we can to maintain normalcy.

Such a challenge recently faced the AT&T Pebble Beach Pro-Am in that beach-town community. In order to follow state guidelines, the “AM” –meaning “amateur” had to be canceled. For more than 75 years this tournament – started by Bing Crosby and initially held in the southern California community of Rancho Santa Fe — had to be held without amateur partners of professional golfers and without the massive crowds that it usually draws.

The Monterey Peninsula Foundation along with its partner the Pebble Beach Company as well as its corporate sponsor, AT&T, successfully put on a “Celebrity Shootout” with six golfers participating: Bill Murray, a perennial favorite, teamed with Arizona Cardinals Wide-receiver Larry Fitzgerald, competing against Alfonso Ribeiro who partnered with Macklemore (yes, just one name) and Kathryn Newton and Kira KDixon (former Miss America) with the latter two as winners for this AT&T “Every Shot Counts Charity” $1.6 million dollar event. Jim Nantz was M/C.

The 2021 Pro-Am champion was Daniel Berger who stood on the 18h tee box tied for the lead needing a birdie on this iconic Par 5 finishing hole. Going through his mind had to be that on Saturday (the day before), Berger had hit his tee-shot out-of-bounds for a double-bogey. Berger not only won that hole and the tournament but sank a 31-foot eagle putt for 65 – 7 under par!

The tournament for the pro golfers and their caddies had good weather. The “Crosby” as it was called for years traditionally drew rainy weather with everything from sprinkles to stormy to blizzard conditions. For the most part, golfers don’t mind what the conditions are –“just get me on the course and I’ll play”. Spectators who are golf-enthusiasts don’t seem to have a concern about weather conditions either. Mostly, they just want to follow their favorite golfer wanting to learn how and which club to use for each shot.

Playing both the Pebble Beach golf links and Spyglass Hill courses this field of 156 pro golfers played four days of challenging golf. The pre-tournament favorite Jordan Spieth, while not the winner this time, had a 62 on the first day (tying the course record at Pebble), but sadly finished in a tie for third. Maverick McNealy, a Stanford graduate who once lived on Pebble’s 16th  fairway finished second.

Will you join me in congratulating the Monterey Peninsula Foundation, the PBC and AT&T?



Posted On Friday, 05 March 2021 00:00 Written by
Has anybody ever told you that there is? It has been said that everybody has at least one good book in them! Have you considered writing a book? If there is an area in which you are a subject matter expert, there are probably people who would like to hear more from you.
One of the best reasons to write a book if you are in business is that it is undoubtedly the best business card you will ever give someone. It spells instant credibility and can assist you in gaining not only high credibility, but could also be a powerful component to your image resulting in trusted advisor status with clients.
My next-door neighbor and long-time friend, Jerry Gillis, had no particular desire to write a career-related book, but upon retirement recently he did write a book about his life story. He printed only 20 copies and gave one to each of his family members. Everyone was happy and he felt no need to send a copy to anyone else.
My friend, David Dow, had a company named Trench Safety. He became a speaker at industry meetings on this topic about which he was definitely a subject matter expert. It seems that people who want to dig a trench, without professional assistance, are vulnerable to severe accidents and substantial risk. His written articles and industry speeches contributed measurably to his professional image and success. He enjoyed a great run and recently sold his company for a handsome sum.
If you were to write a book, what would be about? I suggest you make a list of the reasons to write your book, which might inspire you to take further steps toward this goal. And no one is holding a gun to your head telling you it must be finished in 90 days. If you write a 18 Chapter book at the rate of a chapter a month, it will be done in a year and a half or so.
Some of you may be thinking, I don’t want to write a book, but I would like to speak for those having meetings pertaining to my area of expertise. That’s another consideration for you that can advance your image in a crowded marketplace.
Perhaps you want to write a book and also make yourself available for speeches. The good news is that you can cross-purpose your efforts and prepare for both. A reasonable next step would be for you to list 12-18 chapter titles and start thinking about content for each. Make either a computer folder or an actual manila folder file on each chapter and over the next several months put notes in each that will apply to that sub-topic. This is an easy way to test the water and see if you get your head into this game!
In the past half-century, it has been my pleasure to write or co-author 16 books and give over 6,000 speeches, and I get great joy from both activities! The good news is that there is NO barrier to entry, and you can too! See below for more information in the event you would like to subscribe to my WRITE YOUR BOOK! Coaching Program or my new STAND UP, SPEAK OUT AND WIN! Speaker Training Program.
Communication done well – verbally or written – has been the most satisfying component of my career. If you feel as though you have something to share but just don’t know how to get started, you can draw from my experience. I will be your guide, helping you with every step – first draft through publishing. If speaking is your choice, I will share all I have learned about developing your style, researching your subjects thoroughly, and delivering presentations that are memorable and motivating.
Contact me to schedule a no-obligation call to talk about your goal and aspirations! Call me at 901-292-8533 or email me at This email address is being protected from spambots. You need JavaScript enabled to view it..
Posted On Friday, 05 March 2021 00:00 Written by
Posted On Thursday, 04 March 2021 00:00 Written by

Are you ready to feel your special “Unstoppable Influence?" Author, speaker, and super entrepreneur Natasha Hazlett gets “real” and shares her journey from self-loathing to creating a community for women who needed to fall in love with themselves and become FEARLESS and Unstoppable!

Posted On Thursday, 04 March 2021 00:00 Written by


HiltonHollisThe designer is a native of Mississippi, where his love of sewing and design was nurtured by his grandmother, a master quilter. “I always dreamed of moving to New York to be a fashion designer,” he says. “I didn’t know how I’d get there, or when, but I had a subway map pinned to my wall. Before I was 13, I knew the city by heart.”

In 1997 Hollis moved to NYC and began his career in the fashion industry by attending Fashion Institute of Technology.  He holds a degree in Fashion Design from New York’s FIT.

Wherever his career led, Hollis never lost sight of his goal to head his own business. In fact, he launched his own eveningwear line when he was just two years out of college. Unfortunately, time wasn’t on his side then: “I opened the showroom on September 10, 2001,” he says. “Like just about everything else in New York it all came to a screeching halt the next day.

Over a decade ago, Hollis’s dream of launching his own company was reborn. “My aim is to make a product that is specifically targeted to the Hilton Hollis customer and to give her clothes that she can integrate into her wardrobe and wear happily for years,” he says. The line has the contemporary feel, classic fit, and technical virtuosity that are hallmarks of the Hilton Hollis style. Every collection features flawless tailoring, luscious imported fabrics—many of which Hollis designs himself—and they transcend the off-the-rack niche with exceptional attention to detail.

Hollis brings a matching passion to the business side of the industry. “It’s not enough just to imagine beautiful clothes,” he says. “It’s my job to produce the right garment for the right customer at the right price.”  That dual commitment to craftsmanship and price is working, as Hollis recently expanded his business into Europe by opening a new company in Portugal, where he resides part-time.

Hilton has served as a guest lecturer at FIT, Auburn University and countless museums. He remains committed to his alma mater and to the development of young talent.

Posted On Thursday, 04 March 2021 00:00 Written by
Posted On Wednesday, 03 March 2021 00:00 Written by

The ice pack on my hip needs to be replaced and frozen again, but it hurts too much to get up and pop it in the freezer.

Why the ice pack, you ask?

After hitting a nice little summit on our hike last week, my brother and I were in for a very unexpectedly difficult descent.

The uphill was steep enough to get our heart rates up and confirm we are still in need of getting in better shape, but the downhill saw us slipping on lava rock mixed with dust, dirt, little rocks, and a mildly graded trail not suitable for hiking in our chosen attire.

My bro biffed it first, which is as surprising as seeing a mountain goat take a tumble, crashing to his knees, as we laughed in shock while he winced at the pain of ripping open his pants, blood gushing from his knee.

Dusting himself off, our laughter quickly became concern as we realized there was no other route to get down the mountain, we just needed to tough this one out.

Unfortunately, the shoes we wore just couldn’t grip the ground – street shoes without traction.  Dang. 

Next it was my turn, but instead of just falling to my knee, both feet slipped out from underneath me as I somehow managed to cut open my knee, elbow, and land squarely on a chunky lava rock that conveniently dug itself into my hip.

Having just driven 300 miles for our errand pickup, this was our midday enjoyment hike before we returned another 300 miles back home.

In our past, we have hit the summits of the most daunting mountains on the Wasatch Front in Utah, prepped for weeks, scoped it out, knew the routes and trials/trails ahead.

Yet here we were, on what most would consider a baby hill, a wimpy mound, that required less than preparation, a quick decision to stop and bag a peak we happened to see that looked ready to be hit, and it should have been a walk in the park.

In our non-hiking shoes, with no backpacks, provisions, first aid kits, and one water bottle to share, our lack of preparedness was met with being fully committed only to what we had gotten ourselves into with little to no preparation for what we thought would be a simple hike.  

You know how this story ends: We made it down, but it wasn’t pretty, and we are paying the consequences (hip pain, bruises, bloody knees) of our choices to do the hike in the first place.

Of course next time we’ll be better prepared, less likely to put ourselves through such an ordeal, even when it appears simple, as it could have saved us much pain.

And our regular shoes are now ruined.

How often do we find ourselves on the descent of an unexpectedly difficult situation we aren’t prepared for?

Think of the many things you have fully committed to:

• Serving on the board of the charity organization that now requires more than you expected;
• Finishing the project at work that falls on your shoulders after pandemic layoffs left it all on your plate;
• The elderly parents who now need your full-time care while you try and raise your family;
• Signing up for the latest program to challenge yourself physically only to have a surprise health issue;
• The relationship you thought was rock solid that now requires work, therapy, compromise, and mediation to get through;
• A deadline to turn in the work that is far-too ambitious, but your future depends on it.

There are so many examples in our lives of times when we find ourselves on the slippery slope of situation, only to realize we have no choice but to forge ahead because we are fully committed. 

The Promise Culture in your leadership, organization, home life, and in your own mind, allows you to have the stability and foundational belief system that gets you through it, even if that means bumps, bruises, and some pain are inevitable.

What are you fully committed to regardless of the challenge ahead? 

I can confirm from experience that every single person reading this blog is going through parallel challenges on a relatively equal slope that require a deeper look into resolve to keep going forward in 2021.

Your Promise Prompt: 

Share in the Comments one aspect of life where you are Fully Committed, there is no turning back, and that will most likely injure you, yet you’re going to get it done anyway.

You LIVE The Promise – so you’ll accomplish anything in front of you – and today’s challenges will shape the way you prepare for all future endeavors.

If you’ll excuse me, it’s time to get up and change that ice pack.



Posted On Wednesday, 03 March 2021 00:00 Written by
Posted On Wednesday, 03 March 2021 00:00 Written by
Posted On Tuesday, 02 March 2021 00:00 Written by
Posted On Tuesday, 02 March 2021 00:00 Written by

These days, data has become more valuable in our economy than oil. There have been many discussions about the individual value of your personal data, how to protect it and even who owns it. But what about your intellectual property as an entrepreneur or business leader within an organization? How do you protect something digital?

Time and again throughout American history, ideas have been stolen or “borrowed,” whether it be the historic squabble between Apple founder Steve Jobs and Microsoft founder Bill Gates and if Gates stole the idea of the Graphical User Interface from Jobs, or the more recent founding of social media giant Facebook where a savvy coder named Mark Zuckerberg “borrowed” the idea of Facebook from two brothers trying to get his help on a contract-to-hire basis for their similar idea.

As the rate of technological innovation increases exponentially, an increasing number of entrepreneurs are developing innovative processes, services and products. When you create and drive growth on a global basis, it’s imperative that you capture and protect your intellectual property.  

Intellectual Property Is Priceless 

So why do so many entrepreneurs fail to adequately protect their intellectual property? The answer is that intellectual property is considered to be intangible whereas a product or service we provide is something tangible. We forget to protect the intangible because we are so busy producing the tangible—the products or services we provide.

This categorization is grossly incorrect in the digital era we find ourselves in today. Intellectual property as an entrepreneur or business leader is just as tangible as creating wearable technology. For example, the software and idea behind a FitBit is the only reason someone purchases a FitBit to begin with. It’s not just a bracelet!

Every tangible product came from an idea. Intellectual property can make your organization money, and today, integration between the digital and the physical has made the ordinarily intangible tangible.

Anticipation Makes It Easy

Protecting intellectual property goes far beyond products and services, and too often I see organizations ignoring the need to protect other types of intellectual property that will cause long-term detriment to their organization. 

This is because the process of legal protection is often lengthy and arduous, deterring smaller organizations from considering the immediacy of protecting intellectual property, assuming they will do it later on as they grow.

I teach many entrepreneurs and business leaders alike how to implement my Anticipatory Leader System, which trains an individual to identify both Hard Trends (or future certainties that will happen) and Soft Trends (or future maybes that are open to influence) in order to see digital disruption heading their way and find a way to leverage said disruption to their advantage.

As we become more digital as a society, the Hard Trend that comes in tow is that cybercrime will go up as well and likely get more complex. Organizations that continue to put protecting once-intangible intellectual property on the back-burner can and will likely experience some type of digital theft of groundbreaking ideas that give their company the competitive advantage in their industry.

Blockchain and Protection

The good news is that identifying that aforementioned Hard Trend allows us to pre-solve the issue of cybercrime before it happens. Likewise, technology’s exponential growth is simplifying certain legal processes in protecting intellectual property.

For example, Blockchain technology, which is what cryptocurrency is built on, is a digital decentralized ledger that has the capabilities of facilitating legal contracts, such as patenting or trademarking. Even better, the security and encryption involved in contracts executed on the Blockchain make it nearly unhackable—something never before seen in digital data. This makes protecting our intellectual property tremendously easy and secure.

Three Types of Intellectual Property Protection

There are several different types of intellectual property that need protecting and a multitude of ways to do so, depending on its nature. Here are three specific ways this can be done:

 1.  Trade Secrets Are Your Competitive Advantages 

Knowledge-based competitive advantages like trade secrets are best protected by documents such as confidentiality agreements and employee contracts. The food industry and specific recipes would be covered under a trade secret.

  2. Patents Protect Your Concepts and Functions 

If the advantage of your product is its function, the best way to protect it is with a patent or design registration. Patents can protect concepts that, because they include software and business plans, are paramount today. The distilling process for a beverage could also be covered by a patent.

  3. Trademarks Allow You to Own Your Brand  

If the look of the product is your advantage, you should get a design registration that protects shapes and patterns. Brands include words, shapes, sounds, logos and company colors, and these can be protected with a trademark.

Become an Anticipatory Leader 

My Anticipatory Leader System allows you the ability to create game-changing disruptions and revolutionary products and services; however, it can also help in protecting those items when they are in the inception stage.

Learn to stay ahead of cybercrime and intellectual property theft by anticipating what technological advancements will disrupt your industry and how to pre-solve issues of cybercrime before they occur.

By paying attention to the Hard Trends both inside and outside of your industry and using the tenets found in my New York Times bestseller “The Anticipatory Organization: Turn Disruption and Change Into Opportunity and Advantage,” you can create and protect the game-changing innovations that will be in high demand in the future.



Posted On Tuesday, 02 March 2021 00:00 Written by

The fall in bond prices and the rise in rates continue. Awareness of things we control and those we don’t are now significant. Seeing the opportunity of the situation is critical!

We don’t control rates, but do control the process we provide and the value that process brings to those we serve! NOBODY in this market has the best price; that left a few weeks ago, now all we have is our commitment to our process and the benefits our process provides!

In a rising rate environment, the ability to be correct, quick, and close in 30 days or less is the VALUE, because the cost of money rises over TIME

Your fully documented pre-approval and the ability for your buyers to present an offer that will close in 30 days or less can now be worth more than a higher offer to a seller facing the cost of higher rates due to a longer loan lock or delay in their next purchase!

A listing agent and a seller can see the benefits of speed and time, manifest in a lower cost to finance their next home. The velocity of money is real; the cost of delay can be felt for decades!

Make it known why your process makes it possible to lock in a lower rate, close in fewer days, and allow for everyone involved benefiting because of your PROCESS!

 Talk to your buyers, their agent, the listing agent, and even the seller. Have a video that details your process that you can share with everyone that talks about PROCESS over PRICE! Now more than ever because the best price is GONE for now but the need to buy continues!

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

Posted On Monday, 01 March 2021 00:00 Written by
Posted On Monday, 01 March 2021 00:00 Written by
Posted On Monday, 01 March 2021 00:00 Written by
Posted On Sunday, 28 February 2021 00:00 Written by
Posted On Sunday, 28 February 2021 00:00 Written by
Posted On Friday, 26 February 2021 00:00 Written by

Bes-bawl.” Well, that’s the way it sounded to me when Terrance Mann (played by James Earl Jones) said it to Ray Kinsella (played by Kevin Costner) in the movie “Field of Dreams” about why Ray should keep this baseball field in his Iowa cornfield. “Bes-bawl” is America’s game and “surely people will come.”

Mann continued, “people will most definitely will come. They’ll come to Iowa for reasons they can’t even fathom. They’ll turn up your driveway not knowing for sure why they’re doing it. ‘Of course, we won’t mind if you look around,’ you’ll say. ‘It’s only $20.’ And they’ll pass it over without even thinking about it. They’ll sit in the bleachers in their shirtsleeves on a perfect day and watch the game. This field, this game will remind us of our past. The one constant through the years has been baseball. It reminds us of all that is good and could be good again.”

Normally, February is the month major league players go to spring training — first pitchers and catchers, then the rest of the team. However, Arizona officials requested MLB to delay the start of this year’s Cactus League due to COVID-19. Originally the plan for the 2021 season was to start April 1 (no foolin’) and would feature 10 divisional matchups. It will be only the fourth time all 30 MLB teams would play on opening day. Let’s hope that MLB has a successful season.

With MLB  back this spring, school baseball and softball games, hopefully, resume. The kids — both boys and girls — need physical activity. This will also provide an opportunity for parents and friends to attend games to cheer them on. We need this.

If I may offer a concern about major league baseball. My issue is with the MLB Hall of Fame elections. The hall is located in Cooperstown, New York, and for the 7th time since the hall started (1936) NO player for the 2021 class was selected to be inducted. The 2020 class which included Derek Jeter and two to three others did not have an induction due to the pandemic but will have their 2020 induction ceremonies in 2021 – COVID-19 permitting. The honor of being selected for the Hall of Fame is deserving – yet many are being denied with this slight!

Posted On Friday, 26 February 2021 00:00 Written by
Posted On Thursday, 25 February 2021 00:00 Written by
Posted On Thursday, 25 February 2021 00:00 Written by

Wendy BjorkWendy is the MS Warrior Queen and now a mentor for empowering other women diagnosed with MS. She loves working with them to improve their Mind, Body, Relationship and Environment by bringing out their Inner MS Warrior Queen.

She lives in NW Wisconsin with her husband and two teenage sons but loves to travel. In her free time she loves to read and spend time outdoors as long as it's warm out since winter lasts so long in Wisconsin.

As someone who has dealt with MS for over 30 years, Wendy now wants to give others hope by designing premium custom programs to help them with their lifestyle reset.

She is an author for the National MS Society's Momentum magazine, as well as participated in roundtable discussions with Dr Terry Wahls in regard to her Wahls Protocol and has been featured on several podcasts.

For an introductory call with Wendy, visit

Wendy's free MS Guide can be found at

Posted On Wednesday, 24 February 2021 00:00 Written by

Prior to the coronavirus pandemic of 2020, exponential digital transformation was the biggest disruption many organizations and leaders within those organizations concerned themselves with. Will artificial intelligence (A.I.) take my job? Will machine learning make our entire operation irrelevant? Is there something on the horizon that will change our industry, and how can we be the ones to discover it?

Even given the increase in the rate of exponential transformation of business practices thanks to those aforementioned digital disruptors, it astounded me how many of those same organizations feebly considered what would happen if digital technology truly disrupted them or how to get in front of it. They were agile and reactionary, resting on their laurels and taking refuge in the antiquated phrase “we’ll cross that bridge when we get there.”

Then as we kicked off 2020 with a booming economy, COVID-19 barreled into the United States like a freight train, disrupting every single industry in its path while impacting the entire world. It didn’t matter if you were “essential” or “nonessential,” COVID-19 changed you or your organization’s day-to-day operating procedure in some way.

There may have been no way to predict the level of impact the pandemic was going to have on us all, but it has given us new opportunities and, better yet, it has taught us that resting on our laurels and relying solely on agility can, even in the most extreme circumstances, be the end of the line for many.

Agility Alone Is a Risky Bet

Given the relatively slow pace of the early stages of exponential change over the decades, it makes sense that agility has been the established tool of many organizations—the practiced ability to react to problems, shifting market conditions and events as quickly, efficiently and effectively as possible.

However, agility alone has always been a risky bet to place your career on. I’ll venture a guess that now during the coronavirus pandemic, agility and reactionary behavior alone probably even frightens you to some degree.

Don’t be afraid; agility is still a valuable ability to have! There are many times, including the pandemic and global lockdown, where agility is needed. None of us saw the pandemic coming; we only knew very little about what it was doing outside of the United States. It is likely that nearly everyone practiced some agility in 2020.

But the missing competency here that perhaps could have made your 2020 much smoother throughout the unpredictable nature of the pandemic was anticipation. Anticipation and being anticipatory is a complement to agility, and the coronavirus pandemic is the perfect storm as to why the two of them go hand in hand in many cases.

Anticipation Could Have Complemented Our Agility

We exhausted the term “new normal” after flattening the curve in the early days of COVID-19, but I think of the “new normal” as being the “next normal” instead.

The reason is that COVID-19 leveled the playing field in many ways, while in other ways sped up what was already in motion. This juxtaposition of seemingly two opposite after-effects in the wake of the pandemic is why agility and an anticipatory mindset must be united in your business practices. Digital disruptions were already occurring prior to COVID-19, and how the world responded to it actually sped up the rate of those disruptions tremendously.

Take for example the education sector. Never before have we seen education become so virtualized, and seemingly overnight, every teacher, administrator, and dean alike had to pivot and figure out how to teach all grade levels remotely. Previous usage of software like Zoom, Google Chat or Microsoft Teams was minimal when, suddenly, the names of those very companies became verbs. “Let’s ‘Zoom’ and discuss” was just one of many popular phrases.

Virtualized education existed as an option as the Internet grew more prominent, yet look how fast online learning increased due to a pandemic disruption! While schools had nearly no time to plan for going completely virtual and went into agility mode, that is not to say that they could not have paid attention to the Hard Trend—or future certainty—that online education was becoming more accessible as video communications developed further. They could have used that Hard Trend to pre-solve any problems they could foresee with teaching completely online, and find solutions before a disruption occurred…instead of saying “we’ll cross that bridge if we get there.”

Guess what: we got there!

Connect Anticipation and Agility Going Forward

Agility is like playing defense in a sport: you’re protecting yourself or your organization from the “what if.”

But anticipation and implementation of my Anticipatory Leader System is like playing offense in a sport: plotting out how you’re going to score while the defense tries their best to neutralize your efforts. And while you may win more championships in anything with a strong offense, that’s not to say you will never have your defense on the field or court. You need both!

I truly hope we have learned something from the coronavirus pandemic; 2020 and having obstacles thrown at us unlike ever before should not go to waste. Implementing an Anticipatory Mindset, where we focus on the Hard Trends shaping the world both inside and outside of our organization, pre-solve problems that come with them, and become positive disruptors in what we do was paramount prior to COVID-19 and is even more crucial in our “new normal.”

Even in the face of absolute uncertainty, there are still future certainties. Therefore, the “new normal” should not mean that we all just revert back to our old ways. The lockdown has given us a chance to witness in real time the value of playing offense with an anticipatory mindset. Don’t squander it. Use it to turn disruption and change into opportunity and advantage!

Posted On Wednesday, 24 February 2021 00:00 Written by
Posted On Tuesday, 23 February 2021 00:00 Written by
Posted On Tuesday, 23 February 2021 00:00 Written by

My 13-yr old son and I hopped in the JEEP to go grab a Garden Burger at the only restaurant he’ll order a burger from: Nielsen’s Frozen Custard in South Jordan, UT.

In fact, he gets two Garden Burgers, which to us is thrilling, as he won’t eat anywhere else (incredibly, he always passes up the Concrete shakes, which are other-worldly good, since he’s going 4 years strong off of sugar…he’s like SuperBoy).

Picky is an understatement for our son.  He demands to know the type of cow and where it grew up that he’s eating, and Nielsen’s staff has walked us through their process, so our health nut boy feels good about what he’s consuming.

As we drove past multiple gas stations we hit Maverik to fill up the tank because it was a Friday night, and that means only one thing: We will be in a serious line for the burger.

Pulling into the parking lot we guessed correctly – It was at least a 30-minute wait.

My son looked at me, eyebrows raised, as if to dare me to wait in the ridiculously long line.

Nothing spoken, we just smiled at each other, got in line, turned off the car, and started sharing and watching videos we had saved to our iPhones that we knew would make the other person laugh.

The wait at Nielsen’s Frozen Custard was over 30 minutes this time, and both of his Garden burgers were inhaled before we arrived home 6 minutes later, where he began his workout as we watched our beloved Utah Jazz on TV together for a fun Daddy-Son hangout.

You may have noticed I mentioned a few brands in the first few sentences.

Brands we love.  Brands we buy over and over.  Brands we’ll drive long distances for, pay outlandish prices to watch throw a ball in a hoop, brands we are willing to pass others who sell the same products in order to get to our chosen brands.

I know full well your inbox is full of emails that have their unique brands and I can’t express how grateful I am that you’d even commit to reading my brand of lengthy posts each Sunday

My question for you is:

What brands do you choose and would gladly give a 30-minute wait to experience? 

The reason we choose the brands we do is because of The Promise.

The Brand Promise from the company is to deliver what you want, how you want it, and your Promise back to the Brand is to drive any distance, wait in any line, spend what needs to be spent, do whatever needs to be done to support that brand, because they Keep The Promise.

Your Promise Prompt:

Share in the Comments your preferred Brands!  I named some of mine, what are yours?

Take it a step further and share WHY you choose those Promise Brands. 


Consider your Brand Promise (AKA: Signature Moves) and if you’re delivering the “commercial vs. the reality” for those who expect your Promise-Level Brand.

Watch the Video below to see what I mean and have a great week!



Posted On Tuesday, 23 February 2021 00:00 Written by

We have seen a real jolt to the bond market and pricing is trying to find a new level. This happens from time to time and those of us who have been at this for a while are prepared for the questions and reactions of our clients, prospects, and referral partners. A few simple things to remember: 

• You don’t control the rate markets! If a client wasn’t locked on their loan, or were “waiting” for the “bottom”, that was a risk they took, not you. Don’t feel guilty unless you lied!
• Do the math! Take a few minutes and share the actual costs in monthly payment in a move of .25% . Sometimes rates are an emotional hurdle until they see the actual dollars.
• Share offsets and strategies. Maybe we borrow less money to keep the payment where they are comfortable or maybe we buy down the rate?
• Remember that car payment of $350 a month was equal to about $70K in mortgage proceeds? What are some of the budgetary things people can do to make the new payment work? 

We also don’t know where this ride will take us. Please don’t predict the markets! Your ability to share real information is priceless! Get a few charts showing the rate market over the last two years, people got loans in the 3% and 4% range and were happy to have them! Just because we came off the bottom, doesn’t mean it’s no longer a good deal to buy a house or to refinance one. A good number of people have mortgages they are paying right now that have rates of 4% or higher!

Watch the markets and your own company pricing! Be honest and provide options! Don’t be surprised at all of those people who were trying to wait for the “bottom” who now think they have to act right away because they “missed it”.

We are in the loan business, not the rate projection or prediction business. Share the facts, tell the truth, and show the math! 

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

Posted On Monday, 22 February 2021 00:00 Written by
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