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Whether we swipe our finger or ask Siri using our voice, smartphones have become a window to the world of information and knowledge sitting in our front pockets and purses. Nearly all of us and our customers have access to this miraculous device that allows for constant connection to and communication with the rest of the world, and in the rare case that we are not with these smartphones or other digital devices, we are probably asking the person next to us to use theirs to check something for you, as commonplace as we used to ask someone to check their wristwatch for the time. A Paradigm Shift As soon as businesspeople and consumers alike moved away from using devices like the BlackBerry and instead picked up a Samsung or iPhone, a behavioral paradigm shift occurred. We can now send a text or make a call with flawless precision, send high-resolution…
Sure looks like the PGA Tour and the LIV Golf Tour are in for a long battle. As you know the PGA Tour is not allowing its members to play in the LIV golf events and has already suspended 17 well-known golfers (among them AT&T Pro-Am favorites Phil Mickelson and Dustin Johnson) from its ranks. Some of those who chose the play in the LIV tour played in the US Open at The Country Club in Brookline, Massachusetts.
How can those PGA suspended players play in the 2022 US Open, you ask? Well, the US Open is run by the USGA (United States Golf Association) which has not suspended those players who played or will play on the LIV Tour. Speaking of LIV – what do those letters mean? First off, the LIV is a Saudi Arabian-funded golf tour and is an adversary to the PGA Golf Tour. The…
Summer Goralik is a Real Estate Compliance Consultant and licensed California Real Estate Broker (#02022805). Summer offers real estate brokers a variety of consulting services including assistance with California Department of Real Estate (DRE) audit preparation, mock audits, advertising review, and training. She helps licensees evaluate their regulatory compliance and correct any non-compliant activities. Summer has an extensive background in real estate which includes private sector, regulatory and law enforcement experience. Most recently, she worked for the Orange County District Attorney's Office as a Civilian Economic Crimes Investigator in their Real Estate Fraud Unit. Prior to that, Summer worked for the DRE for six years as an Investigator. Among many achievements, she wrote several articles for DRE, four of which were co-authored with former Commissioner Wayne Bell. Before she embarked on her career in government and law enforcement, Summer also worked in the escrow industry for nearly five years, for both…
The advantage of Zero-Based thinking is that you are starting with a clean slate! There should be few pre-conceived notions with your primary focus on how to best go to market and take great care of your customers based on what’s going on today (and the days, weeks and months forthcoming).
Three opening action items to participate in are recommended: 1. A new SWOT Analysis – SWOT Analyses (An assessment of current Strengths, Weaknesses, Opportunities, and Threats) can be very revealing. It is suggested that you have several of your smartest people participating in this exercise. Incidentally, if you do one every year, it should look different every year. This speaks well of the concept of constant fine-tuning of your business strategies and actions rather than doing what you have always done! 2. Have in-depth discussions with your top 5 customers. Identify the agendas of the top 2-3 people…
The numbers continue to show that people, especially millennials, are interested in home ownership. Despite higher home prices and higher rates, loan applications are still strong for home purchase loans. While refinances are significantly off year over year due to higher rates, purchase applications are down only about 10%. That is a far cry from what some would have you believe on social media and the TV “experts”. Home prices are up on average 14.8% from this time last year, which is down but that is still significantly higher than the 5% or so rate experts were predicting. Despite all the claims of a housing bubble and higher foreclosures, we are at a 40 year low in actual units foreclosed upon. None of this is surprising if you just look at the markets and see that available home inventories of supply is down 4% year over year and we haven’t…
If LIV Golf is something you may be unfamiliar with, just hang on as we try to give you our best description of this new enterprise. LIV Golf is financed by the Public Investment Fund, the sovereign wealth fund of Saudi Arabia which is among the most lucrative sovereign wealth funds in the world. Its value is estimated at $600 billion! LIV has drawn many of the most famous golfers in the world. Let’s start with LIV’s CEO – Australian entrepreneur Greg Norman who has won 89 professional golf tournaments, 20 PGA tournaments, and 2 Open Championships in 1986 and 1993. Those tournaments alone have made Norman a multimillionaire. The LIV is mostly about money, money, money!
The LIV will be a major challenger to the PGA Tour which has just suspended Phil Mickelson, Dustin Johnson, and 15 other players for joining the LIV. Tiger Woods has reportedly turned down more than…
Teresa Bailey is a Wealth Strategist. She orchestrates the financial affairs of executives, entrepreneurs and other driven individuals. In addition to growing her clients’ financial worlds, Teresa builds the W&A brand through coordinating brand development, client events, and educational content development. Teresa is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a Certified Divorce Financial Analyst® practitioner. She was named one of Memphis Business Journal’s Top 40 Under 40 in 2016 and in 2018 began splitting her time between W&A’s Memphis and Nashville offices. It’s Teresa’s mission to stay involved with her community and speak on the importance of financial planning and connecting industry professionals. She is the former Chair of the Greater Memphis Chapter of the Financial Planning Association (FPA), and previously served on the Economic Club of Memphis Board of Directors. Under the National CFP® Board, she’s an advocate for women entering the field of financial planning. Teresa graduated…
Global, national, and local healthcare systems have gone through more change in the past few years than almost any other industry. Technologies that were available but not widely used before the pandemic have been brought to the forefront, accelerating a transformation that will impact the entire health ecosystem. Virtual office visits, mobile telemedicine, health wearables, remote diagnostics, remote disease management, mRNA drugs, genetic screening, and personalized medicine are just a few of the transformations that are rapidly being deployed now, as well as increasingly in the future. All living human beings have their own personal health, healthcare needs, diets they should abide by, and even special medications or treatments they must undergo either to improve their quality of life or to sustain it entirely.
Determining each person’s individual health and wellness needs, or recommending lifestyle changes to each individual that specifically suits his or her needs might seem…
Coni Meyers, LMC, CBLC, CDC, Crisis Management Specialist, and Leadership Clarity Strategist has spent over 40 years supporting thousands of individuals and businesses. She is passionate about helping and creating mindful, visionary leaders that can overcome any crisis and disaster. Her unique background combined with her experience as a FEMA inspector and trainer gives her an all encompassing perspective for creating this certification. She saw a need to educate and prepare as many individuals as possible for all disasters. And so CKM was born! Coni has helped taken the National Home Inspection Company, now known as WIN Home Inspections, and OnlineEd from the local market to having a national presence. Additionally, she has owned four consulting companies and has earned three prestigious life and leadership coaching credentials. Coni is the founder of CKM Solutions Group, as well as Crystalline Moment Success Movement and Kickbutt Leadership. She is an international best-selling…
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Of course, I’ve been watching the National Basketball Association playoffs these days, but I find myself confused with the game that Dr. James Naismith created in 1891. Much has changed – we no longer use peach baskets to throw the ball into. And those “basketballs” were much different from the ones we use now, 29 1/2 inches in circumference, which of course today’s players can grip with one hand!
“Above the rim” — Today’s game is played above that “peach basket” which is now 10 feet from the floor. Players today, many of whom are easily above 6-6 and others over 7-feet tall, can dunk the ball as they hang onto that peach basket. Dunking the ball was never legal in my day or even in Lew Alcindor’s (Kareem Abdul-Jabbar) days in college as it is permissible in today’s game – at all levels. “On the floor” — Observing that in almost…
Data has quickly become as valuable as gold to many businesses and organizations, especially with how many products and services have evolved to be more digital than not. If we think back to merely a decade ago, or perhaps even a little farther, we already had early iterations of smartphones, tablets, and other mobile devices while computers and the Internet had quickly become a staple in our everyday lives.
In the early years of the Internet, and leading up to the days of mobile devices, collecting and analyzing data was a slow process. Information had to be stored somewhere, and companies often outsourced this storage to remote servers for later review. Keep in mind that data was a lot simpler years ago, as much of it wasn’t needed the moment it was collected, but, instead, it was leveraged each quarter when discussing sales, customer behaviors, and new marketing…
When opportunity knocks, answer the door!!! As the mortgage industry goes through another series of changes, you need to know how to take advantage of these changes. We have talked about the purchase to refinance balance for all originators. Never has that balance swung so far to the refinance side, then back to the purchase side, that this has been a challenge for some to navigate. There have been thousands of layoffs industry wide, some good people who have lost their jobs because their companies were not ready for the shift in business. Many licensed originators, LOAs, processors, underwriters, closers, and support people who could be a HUGE benefit to any thriving mortgage branch or company. Are YOU prepared to take advantage of this opportunity? The new reality is you need to be strong in the PURCHASE arena and setting coffee appointments with Realtors® and buying leads is NOT going to get…
When you need help, have you ever heard yourself saying… • I don’t want to appear needy or weak• I’ll just do it myself because it won’t be done right, and I don’t want to bother anyone• If I ask for help, they will think I’m incapable Why is it that women don’t want to ASK, or better yet, allow receiving help?
It is a loaded question with a ton of varied responses. When I conducted an informal survey through my Women’s Wisdom Network, women stepped up and admitted in general that they sucked at both. In almost all cases, the accepting help beat out the ASKING for help by almost fifty percent. We aren’t good at asking and that made me think…why? In my own life, I’ve been taught to buckle up, figure it out, do it myself, and move on. It stems from women needing to…
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