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Joseph Clough PhotoJoseph Clough is a #1 Amazon best-selling Hay House author, International Master Trainer of Neurolinguistic Programming, and Celebrity Hypnotist with nearly 20 years experience.

He's also the creator of over 400 hours of Free hypnosis and coaching MP3s that have changed millions of lives and his app and podcast continue to be downloaded over 100,000 times a month.

His mission is to help each person, like you, achieve their full potential. He incorporate a unique combination of advanced techniques of Neuro Linguistic Programming with Time Line TherapyTM and Clinical Hypnotherapy, and has worked with celebrities and professional athlete clients around the world.

Joseph discovered this work after struggling with severe anxiety, blushing, fears, and low self-esteem, that he thought he'd have to live with for the rest of his life.

Fortunately, he found a life of emotional freedom and confidence, now speaking in front of hundreds of people, after experiencing the same powerful techniques he shares with his clients; and he's eager to share these transformational processes with you to achieve your goals, too.

Posted On Friday, 09 October 2020 05:00 Written by
Posted On Thursday, 08 October 2020 05:00 Written by
Posted On Thursday, 08 October 2020 05:00 Written by


 DovellBonnettHeadshotDovell Bonnett has been creating computer security solutions for over 23 years. His passionate belief that technology should work for humans, and not the other way around, has lead him to create innovative solutions that protect businesses from cyber-attacks, free individual computer users from cumbersome security policies, and put IT administrators back in control of their networks. He has spent most of his career solving business security needs, incorporating multiple applications onto single credentials using both contact and contactless smartcards. The most famous example of his work is the ID badge currently carried by all Microsoft employees.

In 2005, he founded Access Smart LLC to provide logical access control solutions to businesses. His premiere product, Power LogOn, is an Identity Management solution that combines Multi-Factor Authentication and enterprise password management. Power LogOn is used by corporations, hospitals, educational institutions, police departments, government agencies, and more around the world. Dovell is a frequent speaker and sought-after consultant on the topic of passwords, cybersecurity, and building secure, affordable and appropriate computer authentication infrastructures. His recent book is Making Passwords Secure: How to Fix the Weakest Link in Cybersecurity and his new social media column is the Guardians of the Gateway.

He can be contacted at:

Dovell Bonnett
Founder and CEO, Access Smart LLC
(949) 218-8754
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.Access-Smart.com

Posted On Thursday, 08 October 2020 05:00 Written by
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Posted On Tuesday, 06 October 2020 05:00 Written by
Posted On Tuesday, 06 October 2020 05:00 Written by

Here we are in October and as always, we must take some time and make our final coarse corrections to navigate the end of the year. The things we must be fully aware of are:

• When is the last day I can accept a new loan application that will close in 2020?
• Refinances are also dealing with the likely fifty basis point hit to agency loans on December 1st if nothing changes.
• Who are the referral partners that are meeting or falling below expectations?
• What are my personal projections for the remainder of the year?
• Are there any targets in units, dollar volume, or activity that we can make a stretch for?
• Holiday Calendar
• Who are the five new referral partners I want to add to my network as part of the 2021 referral group?
• Where am I on the 20 extra refinances?
• Get your CE done NOW if you haven’t done it yet!

We are going to tackle Business Planning this month as I always do in October. Setting up this mini-plan to navigate the end of this year will help set the stage!

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

Posted On Monday, 05 October 2020 05:00 Written by
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Posted On Tuesday, 29 September 2020 05:00 Written by
Posted On Tuesday, 29 September 2020 05:00 Written by

A few conversations this week brings today’s post. In a few completely different conversations with originators from different parts of the country, a parallel appeared and it was important enough for me to share. In two of these conversations, prospective new applicants came to the table with “Pre-approvals” from lenders they had talked with. They were asked questions and quickly given letters. In both cases the agent they were working with didn’t trust the letters and asked them to speak to my clients. In both cases, these people were not qualified for anywhere near the loan size they were “approved” for, and one of those didn’t meet the program guidelines for the program at all. 

In a different case than above, a new client came into the process of being pre-approved thinking her good credit automatically qualified her for any size mortgage she wanted. While it was true that both her and her husband had very good to excellent credit, more than a third of their gross income was tied to the two new cars they recently purchased. Their credit allowed them to buy very nice cars, but now those payments restricted their ability to buy a home. The client was absolutely beside herself when told she couldn’t get anywhere near the loan she wanted because of her car payments. She just thought her credit was “good enough” to get a mortgage. Her credit was good enough; it was her income and the two car loans that were the challenge!

Many people lack the facts needed to navigate the entire mortgage process. In my opinion; many of today’s home buying public have a real challenge with financial literacy. They don’t fully understand how all of the structural components come together to buy a home. Great credit to buy a car is NOT the same as the credit to buy a house. That also holds true for credit cards and credit lines. In fact, many of those things are pretty easy to obtain and certainly are not as restrictive as getting a mortgage!

As professionals we need to set expectations and do a complete job upfront with any new prospect. We also need to educate our referral partners and share information through social media so it can be found! Being a trusted advisor and a local professional really matter. Maybe now more than ever before! 

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

Posted On Monday, 28 September 2020 05:00 Written by
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Posted On Sunday, 27 September 2020 05:00 Written by
Posted On Sunday, 27 September 2020 05:00 Written by
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