Miriam Valere never expected to fulfill a life-long dream of writing a book when she adopted two corgis in the fall of 2015. But when one of the dogs showed symptoms of the genetic disease degenerative myelopathy, she found herself immersed in learning how to care for a dog that was slowly becoming paralyzed. She documented the journey with photographs that she posted on Facebook to educate people about the effects of this disease, and the challenges she faced. Her book, Another New Normal: Coping and caring for a dog with a degenerative condition is the culmination of what she learned during her time caring for her disabled dog. Miriam lives in Utah with two rescue dogs, Zeek and Cody, and five rescue cats. You can frequently find her out exploring the beauty of the natural world with her dogs, gardening, and being kind.
Posted On Thursday, 19 May 2022 00:00 Written by
People are really complaining about mortgage rates. I understand that nobody likes when things get more expensive, but the truth of the matter is, rates are NOT that high! Yes, they are higher than they have been recently, and yes, you do have to go back to 2009 to find average mortgage rates in the 5% range and 2008 when they were last averaging in the 6% area. To be fair, it was only 21 years ago when rates averaged in the 8% range, and you have to go back to 1991 to find 9% and 1990 to see double digits, but before that it was double digits from 1979 for 11 years! Including 1981 & 1982 when rates were 16+%!
So yes, mortgage rates are higher than they were recently, but take a look at the rates on your credit cards! How many people are carrying balances…
Posted On Wednesday, 18 May 2022 00:00 Written by
Intellectual property, or intellectual capital, is not a concept constrained only to technology companies like Instagram, Meta, or other social apps. This powerful business asset is present in every single organization in one way or another. While tangible products or measurable services that a business or organization sells to the public are certainly assets, and it goes without saying that physical locations and business equipment used to make products or facilitate services also fall under that category, intellectual capital is rooted in knowledge, experience, ideas, branding concepts, and more.
Truthfully, and rather unfortunately, many organizations and industry professionals do not realize that intellectual capital is the most valuable asset their organization has! This comes from a long-standing struggle for many generations to place a value on intellectual capital, because it is what I have referred to in the past as an intangible asset. In other words, an idea is just…
Posted On Wednesday, 18 May 2022 00:00 Written by
If you spent 3 days of last week watching the 2022 NFL draft of 262 college football players, you probably were bored, unless you had a “dog-in-that-fight” meaning you had a player or team in whom you were interested. There were lots of player/team draft parties held throughout the country. I spent some of last week waiting to see who would get picked as the “last draft choice.” That in itself sounds like it could have been a waste of time — but not for me.
It was in 1975  when Paul Salaita showed up at my Newport Beach home to ask if I would help with a project he was planning? I said “Of course! What do you have in mind?” Paul said, “I want to do something for someone for no good reason. “And that’s it, I countered?” “I want to honor the NFL’s last draft choice,” he said. And he did!…
Posted On Friday, 13 May 2022 00:00 Written by
Technology and the disruptions it causes are a Hard Trend future certainty, in that it will continue to upend industry after industry without prejudice. There are a number of fears surrounding displacement by technology by both business leaders and employees in an array of industries, but the common thread ties tightly to automation software and hardware.
In other words, many fear that robotics and artificial intelligence (A.I.) will lead the charge in permanently removing human beings from their careers, leaving them unemployed and without any new opportunities. Let me dispel it from the start: This is not going to happen. Changes will take place but being human is a highly leverageable asset in the digitally disruptive future. In my Anticipatory Leader System, there are several competencies that I teach that point to why and how human beings will become more valuable than ever as technology gets more autonomous by the day. Transitioning to an…
Posted On Tuesday, 10 May 2022 00:00 Written by
The Fed raised interest rates on Thursday by 50 basis points and signaled a reduction in the Fed balance sheet. While it was a good start in heading where they need to go, it’s about a year late! As expected, the bond market is happy with the announcement and while there may be some continued volatility with the unemployment data and Friday’s jobs report, I think this is a sign that the bond market will see how things progress before running up any higher. Purchase applications are off a little more than 10% year over year, but stronger than they were last week. Even refinances went up a little week over week but are just about a third of what they were last year. So that was the news. Here is the nonsense. Layoffs continue throughout the industry as those lenders who were pounding refinances last year are having to…
Posted On Monday, 09 May 2022 00:00 Written by
As social media continues to scream about how bad the housing market is, how interest rates are going to cause the next housing bubble, and the list goes on an on. I feel the pain of those trying to tell the truth and explain the reality. The good news is, the reality, while not as good as it once was, is still better than most people would have you believe, especially when you compare all the information.
Interest rates are higher and so are home prices. While many believe higher rates will force down home prices, you need to be aware that it may only slow the GAIN in home prices. Demand remains very high. Rents are still going higher which also puts pressure on the housing market. We are also dealing with availability. There is far more demand for housing than there is housing available. New construction…
Posted On Friday, 06 May 2022 00:00 Written by
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