Many companies and their originators are dealing with the challenges of less loan volume. With refinance business about 20% of the volume it was last year and purchase volume down in many markets as well, there is simply less loan units to take through the process, which leads to the reality than many people are either making less money than they were last year, or they have people, salaries, and overhead that they no longer need or can afford.
We have seen tens of thousands of layoffs, some companies reduce locations, even a few just call it quits and either sell themselves off or just closed completely. None of this is a surprise when you see this type of volume reduction in such a short period of time, and those more heavily weighted on turning refinances have felt the most pain. However, that isn’t the end of the…
Posted On Monday, 11 July 2022 00:00 Written by
You know what I hear from everyone I coach?  Yup…you got it (and I bet you say it, too)!  This same script is in almost every session:  • I want more time• I want to get more organized• I can’t get caught up• My to-do list keeps growing and I am overwhelmed Sometimes the overwhelm can be real; holidays, family events, a new influx of business – like Roseanne Roseannadanna used to say: “It’s always somethin’!” 
You can just about guarantee that some random last-minute hiccup will sabotage your perfect plan! I should know; with a name like “Murphy” it can happen a lot… and trust me, Murphy’s Law is always there if you allow it! So, here’s the scoop:  You will never control time, events, happenings, last minute interruptions, catastrophes, blessings, etc. - You can however, control how you respond to them! I can almost see you…
Posted On Wednesday, 29 December 2021 00:00 Written by
Join Cristy's Challenge!Visit her website for more information: https://10poundtakedownchallenge.com/join Cristy “Code Red” Nickel is the author of “The Code Red Revolution” and has been in the health and fitness industry since 1994. While studying Exercise Science at the University of Memphis, Cristy competed in 3 NPC Figure competitions, placing in the top 5 at each show. In 2003, Cristy became a federally licensed professional boxer and foughtin 15 professional fights all over the world over the next 7 years. She was named “Top 3 Most Dangerous Females on the Planet” by Ring Magazine, which landed her a coaching role on MTV’s hit series “MADE.” The success of that show propelled her to New York City to train top celebrities, business tycoons, models and professional athletes. In 2008, Cristy was awarded “New York’s Best Trainer” by Allure Magazine and featured in the August issue. After retiring from boxing, Cristy settled in Boise, Idaho…
Posted On Wednesday, 15 December 2021 00:00 Written by
Sable Otey has spent most of her adult life clearing hurdles -- usually the type that are lined up single file on a running track -- but there have been a few that life has dropped in her way. When the world is your stage, you want to be at your best when Olympic gold is hanging in the balance.She's challenged herself to earn a spot on the United States bobsled team that competed in the Winter Olympics in South Korea. In some ways, it's a major transition from track and field, her sport of choice in high school, college and one year beyond, but in other ways, her role on the bobsled team is very similar. Either way, Otey is convinced she had the athleticism, work ethic and support and made her latest dream reality.After her pregnancy ended hopes of participating in the 2012 Olympic track and field trials,…
Posted On Wednesday, 13 October 2021 00:00 Written by
Award winning author Lenor Madruga Chappell was a beautiful young woman - model, radio personality, wife of a rancher, mother of two, and active citizen in her California hometown. On the morning of her thirty-second birthday, she discovered a hard lump in her groin and subsequently underwent a hemipelvectomy: removal of her left leg and hip.   Her victorious story is an inspiration not only to the millions of amputees throughout the world, but to all who face physical or emotional trauma.   Lenor has been a keynote speaker (Motivational and Inspirational) at National Cancer Conferences in America, Canada and Europe; a speaker with Celebrities Against Cancer, a speaker at major fund-raising events including the National Easter Seal Telethon, and a speaker at hospitals and universities throughout America and Europe. A national and international speaker, Lenor captivates audiences with her straight forward approach to life's challenges. In October of 2009…
Posted On Friday, 08 October 2021 00:00 Written by
 Krisstina Wise is a real estate mogul, Millionaire Coach, and creator of several multi-million dollar businesses including Goodlife Luxury, The Paperless Agent and most recently, WealthyWellthy. She is also an international speaker and the award-winning author of the Amazon Best-Seller Falling for Money, a romance novel for your bank account. Named one of the 100 Most Influential Real Estate Leaders in the country, she has been featured in USA TODAY, as well as by Apple, Contactually and Evernote for her creative leadership with emerging technologies.
Posted On Thursday, 07 October 2021 00:00 Written by
I want to introduce you to Kate. Kate was just about the sweetest person you could meet. Hard working sales agent, often working long hours and barely making ends meet.  There were serious reasons for her lack of profitability…  First there were the personal issues:  Kate was nice, so nice, she let everyone take advantage of her. Her sister-in-law lived in the basement of the home she shared with her husband. He worked, but hours completely opposite of hers. They rarely connected.  Her small house was also home for her son, his girlfriend, his dog and soon-to-be-born baby. Her son didn’t have a job at the time we worked together, and neither did his girlfriend. They spent their days enjoying video games and watching television while Kate was out making sales.  Kate often missed dinner due to working long hours. I know this because when we would be in our online…
Posted On Wednesday, 15 September 2021 00:00 Written by
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