If you are a US citizen or resident planning to visit Canada, you are most likely wondering what documents you need for this trip. In addition to your ID, driver's license (if applicable) and passport, you will also need a visa. To make it easier for you, we have prepared an article with the most important things you need to know about visas.
Traveling to Canada as a US citizen or resident can be a great opportunity to explore a new country, meet new people, and experience a different culture. However, it's important to make sure you have the necessary documents and visas to enter the country legally. In this article, we'll provide you with information on the Canada visitor visa from USA, including who needs one, how to apply, and what requirements you need to fulfill.
What is a Canada Visitor Visa?
A Canada visitor visa is a type of travel document issued by the Canadian government that allows visitors to enter and stay in Canada for a temporary period of time. This type of visa is usually issued for a period of 6 months or less, although it can be extended in certain circumstances. A visitor visa is required for most foreign nationals who wish to enter Canada for tourism, business, or visiting family and friends.
Who Needs a Canada Visitor Visa?
Most foreign nationals need a Canada visitor visa to enter the country. However, there are a few exceptions. US citizens and permanent residents are exempt from the visitor visa requirement, but they may still need an Electronic Travel Authorization (eTA). Some other exemptions include diplomatic or official passport holders, members of certain international organizations, and individuals in transit through Canada to another country.
How to Apply for a Canada Visitor Visa?
If you're a US citizen or resident planning to visit Canada for less than 6 months, you can apply for a Canada visitor visa online. You'll need to fill out the application form, provide documents and pay a fee online. Once you have submitted your application, you can track its status online.
Canada Visitor Visa Requirements
To apply for a Canada visitor visa, you'll need to meet certain requirements. These may include:
Canada Visitor Visa Application Processing Time
The processing time for a Canada visitor visa application can vary, depending on factors such as the volume of applications being processed and the complexity of your case. Generally, it takes around 14 days to process a visitor visa application, but it can take longer in some cases.
In my experience as a strategic advisor to business leaders as well as being a serial entrepreneur myself, I find that many people believe that they cannot become entrepreneurs because it is “too late” for them or perhaps the sun has set on their chance to make a massive change in an industry or the world. Whether it is the way entrepreneurship is marketed to the world these days or some other reason, these individuals feel there is a hard deadline on starting a successful business.
I have found that there are three common reasons that people believe they cannot become an entrepreneur:
The great news that I bring to many individuals is that these reasons are baseless fears. Not a single reason listed above could not be further from the truth, and, today, I want to explore why.
First, let’s talk about the belief that entrepreneurship requires some specific level of training, a degree, or unique qualifications. The individuals that let this hold them back from innovation that could change the world typically believe they need an ivy league education or a certification from someone who has blazed a trail before them.
But let me ask you: Did Michael Dell let this hold him back? Not a chance! As many may or may not know, he spent his time upgrading and selling computers in his dorm room.
At the age of 19 Dell started his first company, PCs Ltd., which became Dell Computer Corp. in 1987. By 1992, Dell became the youngest CEO on the Fortune 500 list at 27. His net worth around $20 billion today.
How about to other entrepreneurs who are vastly different in their industries but similar in one realm — having little formal education. I’m talking about both Steve Jobs and Rachael Ray. Both entrepreneurs dropped out of college and Steve Jobs went on to found Apple Computers while Rachael Ray became a successful author and businesswoman.
In short, neither a business degree nor a degree at all is required to become a successful entrepreneur.
What about the second reason — needing to be of a certain age? Do you have to be Mark Zuckerberg, founding Facebook at the age of 20? Why is this a fallacy?
Especially today, hitting the reset button later in life is becoming more and more common as the physical and mental longevity of human beings extends thanks to profound healthcare, diet, and exercise. Nevertheless, there are some classic examples of tremendous success from older individuals.
Bernie Marcus co-founded Home Depot at 50 years old and Colonel Sanders actually started selling his KFC chicken at 65. There is no age constraint on becoming an entrepreneur and, as a matter of fact, being Anticipatory and using some of the principles in my Anticipatory teachings becomes easier as you get older, based on life experience, living through exponential change, and piecing together the reality that nothing is perfect and there may be a better way to solve a problem.
As for needing to reside in a certain location, the internet and the growing interconnectivity of our global market is making location work and the perceived success around it largely unnecessary. This is a great thing, as for the right Anticipatory Leader, this means even more opportunity than ever before!
You can reside in one location and still reach any customer base or business opportunity across the globe. What helps debunk this fallacy that entrepreneurs have to live in certain areas are my Three Digital Accelerators — processing power/computing power, bandwidth, and storage. These “accelerators” all aid in the ability for entrepreneurs of any industry to better connect with customers, execute sales, and even deliver products.
Now that you have a foundational understanding that education level, age, and location are not factors that should hold you back from pursuing entrepreneurship, what does it require to take the leap into entrepreneurship and act?
To know if you have the tools necessary to become an entrepreneur, ask yourself the below three questions:
Successful entrepreneurs have the motivation to pursue an opportunity as it comes along, as they are driven and eager to create transformation. So I ask you, are you hungry enough to make a difference? Likewise, is that hunger driven by the desire to do something significant or simply by monetary success?
Nothing comes easy, least of all entrepreneurship. It requires dedication, perseverance, and passion. While working hard is certainly the question here, perhaps an additional inquiry should be: Are you ready to work smart? Entrepreneurship takes an Anticipatory mindset, allowing you to actively see opportunity in disruptions.
A business never emerges out of thin air, and the entrepreneurs mentioned here today did not have the opportunity to start a business fall into their lap passively. Of the things entrepreneurship does not require, there are certain actions that it does require, such as looking to Hard Trend future certainties, disruptions, and determining where the opportunity lies.
You may answer the first two questions in the affirmative, but sometimes knowing where to start is the hardest part. If you need help beginning your entrepreneurship journey, consider signing up for my Anticipatory Leader Membership to build a foundation for yourself to start.
Now, it is your turn to make a significant transformation in the world and be a positive disruptor that betters the lives of those around you!
As we spoke about last week, the bond market really wants to improve. All the data on Tuesday and Wednesday, along with a lack luster 10yr auction still couldn’t keep the 30yr 5.5% coupon from fighting hard to retake it’s 200 day moving average once again. Make no mistake about it, I’m not saying we are going to see a robust move, not by any means, but I do see that the trend is for prices to improve and rates to go lower. Maybe the phrase will have to be, “Lower, slower” or something like that, but until we clear all of the old data from the first half of last year, even though the signs are all there, the year over year comparisons will still look worse than they really are! It will be June and July before we start running into where the market began to turn for the worse last year, so be patient and prepared!
The same will hold true for the housing and price data. Year over year numbers for both purchases and refinances will look much stronger in a few months, we just have to clear the old numbers out. As it was, purchase activity is still pretty solid and rates are NOT stopping people from buying, it’s the fact that a weaker than normal listing first quarter of 2023 has left weak inventory even weaker than we could have imagined. We need to use ALL of our strategies to help our agents get out and get in front of homeowners and talk the talk about listing and buying! The first-time buyers are already in the market. We need to push the middle and higher end markets to get moving and PULL the entire market UP!
Sometimes we can push from the bottom up. However, we already have plenty of first timers already preapproved, we need the system to pull activity higher. There needs to be inventory in the second and third tier homes available so the entry level homeowners can see an opportunity to sell and move onward. It’s NOT RATES! It’s INVENTORY that is the challenge, and the only way to get inventory is to go out and GET IT!
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Owning a home is a huge milestone for many Americans. Previously we found that single women own more homes than single men; our new study found that women are spending significantly more on their homes than men.
LendingTree analyzed data from the U.S. Bureau of Labor Statistics Consumer Expenditure Survey to compare how men and women spend. We looked at several categories, and when it came to spending on housing, it’s clear there’s a gender gap in the housing market. A quick look at what we found:
Glass ceilings don’t only apply to the workplace — when it comes to housing, the gender gap is striking.
On average, women spend 1.29 times more (based on total expenditures) on owned dwellings, which include mortgage interest, property taxes, home insurance and other expenses. Broken down more specifically, women pay 1.20 times more on property taxes, 1.11 times more on housing and 1.09 times more on mortgage interest and charges compared to men.
On the other hand, men spend 1.12 times more on rented dwellings, which includes rent, parking fees, maintenance and other related expenses.
Spending on housing by gender
Category | Women’s annual spend | % of women’s expenditures | Men’s annual spend | % of men’s expenditures | Difference in % of expenditures |
---|---|---|---|---|---|
Women’s expenditures higher | |||||
Owned dwellings | $4,686 | 12.07% | $3,842 | 9.32% | 1.29 |
Property taxes | $1,533 | 3.95% | $1,357 | 3.29% | 1.20 |
Housing | $16,223 | 41.77% | $15,562 | 37.77% | 1.11 |
Mortgage interest and charges | $1,359 | 3.50% | $1,326 | 3.22% | 1.09 |
Men’s expenditures higher | |||||
Rented dwellings | $5,051 | 13.01% | $6,000 | 14.56% | 1.12 |
Source: LendingTree analysis of U.S. BLS 2021 Consumer Expenditure Survey data.
According to LendingTree senior economist Jacob Channel, there are a few reasons why women face more financial barriers when it comes to owning a home, largely boiling down to individual priorities.
“While the reasons behind their financial choices will vary by person, there’s some evidence to suggest that women prioritize homeownership more than men and are more willing to make sacrifices to become homeowners,” he says. “This can help explain not only why single women tend to spend more on homes that they own than men do, but also why single women are more likely to be homeowners, even if they tend to earn lower incomes. Men, on the other hand, might not be as keen to take on the commitment of buying a home. As a result, they could be more willing to spend a bit extra on a nice place to rent.”
You can view the full study here: Spending By Gender Study
LendingTree’s senior economist Jacob Channel had this to add:
“There’s some evidence to suggest that women prioritize homeownership more than men and are more willing to make sacrifices to become homeowners. This can help explain not only why single women tend to spend more on homes that they own than men do but also why single women are more likely to be homeowners, even if they tend to earn lower incomes.”
Every year and in every way, I try to help create more Anticipatory Leaders and individuals working at Anticipatory Organizations as opposed to reactionary ones who quickly miss opportunities that are in plain sight.
The major cornerstone to an Anticipatory mindset is my Hard Trend Methodology, where we discern between Hard Trend future certainties that are based on future facts that will happen and Soft Trends that are open to influence. This effort lets you see disruption before it disrupts and solve problems before they occur, turning disruption into a choice.
Highlighting the three categories of my Hard Trend Methodology — technology, government regulations, and demographics — one of them is a constant that all organizations in every industry should be paying as much mind to as possible: demographics.
In a recent episode of my “Opportunity Hour: Conversations with the Masters,” I invited Dr. Ken Dychtwald to speak on the subject of the Baby Boomer age wave. Dr. Dychtwald is North America’s foremost visionary and original thinker regarding the lifestyle, marketing, healthcare, economic, and workforce implications of the Baby Boomer Generation.
Ken is a psychologist, a gerontologist, the CEO of Age Wave, and bestselling author of 19 books on age-related issues, including his most recent memoir Radical Curiosity: One Man’s Search for Cosmic Magic and a Purposeful Life. Additionally, he is the creative producer and host of the PBS documentary The Boomer Century and his new PBS special Life’s Third Age.
According to Dr. Dychtwald’s research at Age Wave, at the beginning of the 20th century, the average life expectancy was merely 47 years old. The century before, the average life expectancy was even less, ringing in at around 35.
Now, thanks to the many breakthroughs in the last century or so, including improvements in antibiotics, public health efforts, refrigeration of pharmaceuticals, and exponential self-care, life expectancy has skyrocketed! For many, living to 80, 90, or maybe even more years is a very real possibility. The evidence is clear, as nearly one billion people in the world are currently over the age of 60 and that number is expected to double in the next 20 years.
This has never happened before, and the result is that many societal developments, products, services, and other offerings are not catering to the needs of aging individuals. From automobiles designed to match the form and fit of 20-year-old individuals to our medical system targeting only helping younger individuals too, we have not matched our healthspan to our lifespan.
But aging itself is a Hard Trend. Chronologically, all generations will get older. Right now, the Silent Generation and Baby Boomer Generation are the ones validating this future certainty. Dr. Dychtwald is starting to notice that the whole look and feel of life is moving around and people are now beginning to contemplate living much longer. So how are business, marketing, products, services, and offerings evolving with them?
Dozens of questions surround the Soft Trend side of the global age wave, and answers to those help businesses and organizations identify the boundless opportunity that this wave has for everyone.
Dr. Dychtwald identifies a few Soft Trend questions that Anticipatory entrepreneurs should be asking. In what way are people aging? How do people want to grow older? And what might we need to learn? Dr. Dychtwald encourages people to continually reinspire and reinvent themselves, as do I!
Whether this means individuals are learning new hobbies, starting business later in life, or continuing to serve their community on a volunteer basis, in doing so, we as a society match lifespan with healthspan, and the needs of all generations evolve.
So in light of this, what are some problems we can see that we could pre-solve, as well as what are the opportunities that we can see right now for the Silent Generation and Baby Boomers, or even Gen X and Millennials, as they approach their 40s, 50s, 60s, and beyond?
Knowing that longevity is truly a Hard Trend thanks to medical and technological developments, transforming business operations and offerings to suit the needs of a population that will continuously age while maintaining their faculties and physical abilities more and more is necessary.
For example, if you are a retailer and your primary customer is older versus younger, perhaps your store layout should include more places to sit, nicer bathrooms, and accommodations that suit the needs of the age wave. But let’s also flip the script here for those with a younger customer base and think in a deeply Anticipatory way. If we know aging is a Hard Trend future certainty, how will you evolve with the younger generation you cater to as they age?
Now, at the moment, the Baby Boomer Generation is our focus, and outside of their needs, one important characteristic to note is that they are not as frugal as their predecessors and many of them hold quite a bit of wealth as opposed to younger generations.
Coupled with that, the stigma that older generations are set in their ways is fading fast. Based on Dr. Dychtwald’s research with Age Wave, people are trying new things. People are falling in love at 50, they’re going to the gym for the first time at 60, and even dreaming up new ideas, as evidenced in the highest rate of successful entrepreneurialism in the world being individuals over the age of 55!
If you are a marketer and you are still stuck believing it is youth that all generations chase, or that people over 50 are somehow not worth your attention, you are losing what could be millions upon millions of dollars in opportunity. People over 50 have more money to spend on health, travel, home renovation, gifts, automobiles, and more.
They are an extremely valuable potential consumer base, and they’re hiding in plain sight for the right Anticipatory entrepreneur to serve with significant products, services, or enrichment opportunities that cater to them.
Is it time for a break? Okay..so the kids are on Spring break, but when do you get to take a break? Why don't we just TAKE one?
It’s that time of the year again. You know, Spring break, upcoming graduations along with the non-stop schedule of buying gifts, prepping food, baking cookies, keeping the house sparkling clean, going to parties, relatives to visit, and on and on and on.
You race from one event to the next, and fall in bed exhausted. There’s never enough time to pack it all in, and by the time you are close to catching up, you just might be a tad irritable, worn-out, and maybe even sick from the latest bug going around.
And somewhere in all of that chaos, you’re supposed to be focused on business and hitting your year-end sales goals. It’s enough to make you sit down and cry.
If you’re finding yourself nodding in agreement to all of that, and thinking to yourself ,“I just want to run away, then you need to spend some time investing in yourself and take a break from the action. You say you can't do it????
Hmm...
Here are some tips on how and WHY you should take care of you.
• It sounds counter-intuitive, but blocking time out for YOU each day will make you more productive in the long run. Make sure you time-block a lunch hour each day (and eat something healthy).
• Plan your day so you can be home for the evening with your family, or if you’re living the single life, so you can spend time with your friends. Limit evening appointments to no more than twice a week. Listen to some music you love, read a book, have a game night with your kids, walk the dog…You need that downtime each evening to relax, de-stress, and recharge your batteries each day.
• Start small, and block an afternoon off to go get a massage, get your nails and hair done, or catch an afternoon movie with the kids…and make sure you change your voicemail and set an autoresponder on your email saying you’re out on appointments for the remainder of the day, but will respond the following day. Avoid the urge to constantly check your messages! I promise, they will be there in the morning.
• Plan a weekend off to go to a nearby trendy hotel or glamping with your partner, get together for a weekend with your best friends, or have a staycation at home. You’ll be energized from being with people who feed your soul, and can tackle your work with renewed enthusiasm after taking this short break.
• Learn to say “No!” This is a hard one for most women, but really, you don’t need to bake cookies for every party you’re invited to. or accept every invitation you get. You don’t even have to keep your house sparkling clean if you don’t want to. It’s ok! Take some time to pick and choose the activities that will nurture you and create some joy.
• Delegate, delegate, delegate! This is a perfect time to get other people involved in helping you stay on top of all you need to do. Indulge in having a housecleaner even just one time to give yourself a break. Consider catering a meal rather than cooking everything yourself and/or trade off the duty with a friend who can cook:-)
• Remember to stay hydrated, eat healthy (all those party carbs can really sap your energy—so choose to offset them by having a salad or healthy soup the next day), take a short walk or exercise every day, and take your vitamins!
By incorporating some self-care into your daily schedule, planning down-time, and learning to say “No”, you’ll find that you are more relaxed, have more energy, and you’re more productive at work and quite frankly, nicer to be around. The Wrap: Be NICE to yourself...then everyone will follow:-)
Want a few secrets to managing your time? Contact me: This email address is being protected from spambots. You need JavaScript enabled to view it.
Both the 10yr and the 5.5% 30MBS have broken through their 200 day moving averages and it looks like they are wanting to improve even further. What stands between us and further improvement can be employment news today and tomorrow. We have the unemployment number Thursday and the March jobs report on Friday. Given the data we have seen reported earlier this week from ADP, if unemployment claims go higher and the jobs report on Friday shows weakening, the bond market could see more space to improve.
While I don’t think we can see a massive move, weaker numbers can help sustain this rally and could very well lead us to the FED pausing rate increases and signal inflation is coming under control from previous rate hikes. We all know that these rate hikes take about a year to fully impact the markets, and the first hike was just a little more than a year ago, so we are just starting to see results. Hopefully, the FED will look at all the data and come to the conclusion that further rate hikes are not needed at this time, and wait to see how the next few months play out before making any moves.
Activity levels vary widely in the housing markets. It is important to look at your local markets for information because the national numbers, and those who interpret them, may not be doing your specific market justice with their outlooks. When you get deeper into the numbers, not all markets are acting the same. Inventory issues are driving much more of the market than interest rates. People want to buy, it’s just that the annual increases in listing we normally see in the first quarter of the year have yet to materialize. Maybe it’s because people aren’t ready to sell, or that they are waiting for other factors to come together. But I do know that while loan applications and contracts may be lower than anticipated, pre-approvals remain strong for those wanting to get out and buy!
So watch the news Thursday and Friday morning and follow the reaction by the mortgage markets and how they respond. PLEASE IGNORE the talking heads in the mainstream media and all the social media “gurus”, they spin news for CLICKS, not for CLIENTS!
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Limited new listings are making it feel like a seller’s market in some parts of the U.S. even though sales are down by double digits. Some markets still feel cool.
Although elevated mortgage rates continue to dampen homebuying demand, low inventory means home are selling fast in some parts of the country, according to a new report from Redfin (redfin.com), the technology-powered real estate brokerage.
The pool of homes available to buyers is shrinking quickly. That’s mainly because new listings are scarce. New listings fell 21.8% from a year earlier nationwide during the four weeks ending April 2, one of the biggest drops since the start of the pandemic, contributing to an unseasonal early-spring decline in the total number of homes for sale. Many homeowners are staying put because they’re unwilling to give up their low mortgage rate. Although average 30-year mortgage rates posted their fourth-straight decline this week, dropping to 6.28%, that’s more than double the sub-3% rates common in 2021.
Buyers are snapping up the homes that do hit the market fast. Of the homes going under contract, nearly half are doing so within two weeks. That’s up from about one-quarter at the start of the year, an unusually quick winter increase. It would take 2.8 months for today’s supply of for-sale homes to sell at homebuyers’ current consumption rate, the shortest time since September. That’s a sharp drop from the three-year high of 4.5 months in late January and it marks the fastest winter decline in months of supply since at least 2015, in percentage terms. It’s up from a near-record-low of 1.9 months a year ago.
Still, pending home sales are down 19% year over year, nearly as much as new listings. That’s partly because homebuying demand is lower than it was last year and partly because so few homes are hitting the market.
“Elevated mortgage rates are perhaps an even bigger deterrent for would-be sellers than for would-be buyers. Giving up a 3% mortgage rate for one in the 6% range is a tough pill to swallow,” said Redfin Deputy Chief Economist Taylor Marr. “Today’s serious homebuyers have grown accustomed to the idea of a 5% or 6% rate and have adjusted their budgets accordingly. The lack of homes hitting the market explains why the market is moving fast even though sales are still down. The lack of new listings is also one reason why sales are down: Buyers can’t buy if sellers don’t want to sell.”
While new listings are down in every major U.S. metro, the trend is more drastic in some areas. In Denver, where new listings are declining at roughly the same pace as the national drop and there are just 1.6 months of supply, Redfin agent Stephanie Collins said sellers have the upper hand as long as their home isn’t overpriced.
“Shiny new listings are getting multiple offers and selling fast. The caveat is that they have to be priced correctly from the beginning,” Collins said. “One of my buyers recently made an offer on a move-in ready home in a popular area. The home was priced right in line with the market at $520,000; it received eight offers and went for $560,000 to a competing buyer. That same client just had an offer $35,000 over asking price accepted in the same neighborhood. Sellers are hesitant, partly because it’s not spring 2022 anymore. I’m reminding potential sellers that buyers are out there, and some homes have bidding wars—they just need to price a bit lower than they would have a year ago.”
In Austin, a pandemic homebuying hotspot, buyers can take their time and they have a better chance of getting a home under list price. Inventory is piling up—Austin has 4.4 months of supply, more than almost anywhere in the country—and prices are down nearly 15% year over year, more than any other metro.
“Buyers have more power right now. The silver lining of high rates and the slow market we’ve been experiencing here is that some locals are able to buy in neighborhoods they couldn’t have gotten into last year and get contingent offers with small down payments accepted,” said Austin Redfin agent Andrew Vallejo. “But attractive homes that are priced competitively are selling quickly. Sellers are starting to notice, and they’re prepping and pricing their homes accordingly. I think we’ll start to see more listings over the next several months.”
Home Prices Falling in Many Metros, Rising in Others
Home prices dropped in more than half (28) of the 50 most populous U.S. metros, with the biggest drop in Austin, TX (-14.7% YoY). Next come four West Coast metros: Sacramento (-11.7%), Oakland, CA (-10.4%), San Jose, CA (-10.2%) and Seattle (-9.6%). That’s the biggest annual decline since at least 2015 for Seattle.
On the other end of the spectrum, sale prices increased most in Milwaukee, where they rose 11.4% year over year. Next come Fort Lauderdale, FL (8.9%), West Palm Beach, FL (8.2%), Miami (7.9%) and Columbus, OH (6.3%).
On a national level, the median U.S. home-sale price fell 2.1% year over year to roughly $362,000, marking the seventh straight week of declines after more than a decade of increases.
Leading indicators of homebuying activity:
Key housing market takeaways for 400+ U.S. metro areas:
Unless otherwise noted, this data covers the four-week period ending April 2. Redfin’s weekly housing market data goes back through 2015.
To view the full report, including charts, please visit:
https://www.redfin.com/news/housing-market-update-scarce-new-listings-fast-market
The future itself is uncertain, and this is an all-too-often scary realization for businesses of all sizes and industries. Where is your specific industry headed? Will a new technology come to be that leaves your current technology or operation completely in the dust? Will your customer base take a dramatic turn in their wants and needs? These are only a fraction of the questions that plague businesses on a daily basis.
Yes, the future is uncertain and this may strike fright in some. But to me, this uncertainty is exciting and full of opportunity thanks to the skills that come with an Anticipatory mindset!
The difference between those that fear the uncertain future versus those that find it exhilarating and ripe with opportunity is one’s ability to more clearly see the future in front of them and in turn, feel confident leveraging it to their advantage. And in my Hard Trend Methodology, the Soft Trend future possibilities are a vital piece to bringing certainty forward in uncertain times.
Soft Trends are those future possibilities that may or may not happen. These future “maybes” are open to influence. This is a real skeleton key to becoming the positive disruptor, just as much as those future certainties that will happen!
I have taught this concept for many years, yet every new year that comes around brings individuals who do not realize the real potential and disruptive power of leveraging Soft Trends to their advantage, just as they would leverage a Hard Trend. When something is open to influence, it means you can influence it in your own way and transform it into an advantage.
Thinking of it in software terms, a known Hard Trend future certainty is that more and more employees will work remotely in the years to come, while the Soft Trend is the remote working platform that is most efficient for remote employee engagement. Basecamp is one that comes to mind, which is a virtual and interactive task list for employees working remotely to communicate, assign work, and check off tasks as they go.
By an organization first identifying the Hard Trend of remote work, it should then be able to identify the Soft Trends around it. Software for working remotely is needed, and while Basecamp may be a great option, nothing is perfect, meaning entrepreneurs can leverage this Soft Trend and design something better!
What does this do for the uncertainties that come with the shift to fully remote work? It helps you as a business leader find certainty in all the uncertainties of having a decentralized workforce, knowing that you can influence how efficiently the shift happens while preventing you and your staff from trying to avoid a Hard Trend — something that cannot be avoided.
A core component to taking full advantage of Soft Trend future possibilities is to be both Anticipatory and agile. In sports terms, this is playing offense and defense, with anticipation acting as an American football team quarterback’s read on the defense while agility is adjusting to prevent a team trying to score on you; in corporate terms, a known competitor trying to disrupt you.
Let’s use a skiing analogy. Suppose you are skiing down a mountain. There are certainties that you know are coming, such as trees planted firmly in the mountain that you can avoid. Then there are the uncertainties you do not know for sure will happen, such as other skiers flying past you, someone falling in front of you, or hidden patches of ice.
If a skier is in front of you, you do not know whether they will fall or not, but you do know that because they are there, that possibility is evident. The skier’s existence is a Hard Trend, and their actions are the Soft Trend. Acknowledging that the skier falling is a possibility and that you have to be ready for it is playing defense, or being agile, and knowing how to dodge the fallen skier is playing offense, or being Anticipatory. You cannot have one without the other.
Ask any professional athlete — no team will make it to a championship without both a great offense and defense. Because we as humans have the capabilities of thinking critically about the future while appreciating the potential for something unpredictable happening to us, the potential for a powerful strategy in business is exponential!
Soft Trends are composed of two components: Hard Assumptions and Soft Assumptions. Hard Assumptions are those based on empirical data and analytics and Soft Assumptions are those that have no data to support their existence. They are quite literally assumptions based on emotion or superstition.
Let’s take the Southwest Airlines debacle that happened during the 2022 holiday season to better understand these two pieces of Soft Trends.
There are two nonnegotiable Hard Trend future certainties that always impact airlines in the winter. The first is that the holiday season always shows an increase in air travel. The second is that the winter season always brings winter weather patterns that affect the ability to fly. For this second one, the uncertainty comes with when these winter weather patterns will occur, or if they will occur at all.
Again, to leverage both Hard and Soft Trends and avoid ultimate disruption from anything, businesses need to be both offensive and defensive, or Anticipatory and agile, in their decision making. Unfortunately for Southwest Airlines, they were neither. Instead, they implemented a wait-and-see strategy that wasn’t Anticipatory but didn’t incorporate much agility either.
This past holiday season, the winter weather patterns brought a deep freeze and blinding blizzards in many parts of the country during the busiest time of the year for air travel. Southwest Airlines neglected to identify the Hard Trend that weather disruption will happen at any given point during the holidays.
But the real kicker was Southwest Airlines’s legacy systems, computer software, and even phone lines were outdated and unable to handle the number of flight cancellations and rescheduling that were being forced due to weather. Southwest canceled more than 16,700 of its flights between December 21-31, 2022.
Southwest Airlines could not influence the weather, but they could influence their ability to respond to it and be prepared for it, answering the question of “how can we prepare internally to be ready for tumultuous weather at any point during the busy holiday travel season?” Where other airlines were able to recover quickly from the weather disruption, Southwest Airlines lost nearly $825 million!
So, where do the pieces of Soft Trends — Hard Assumption and Soft Assumption — fall into place? For airlines to be prepared for potential disruption due to winter weather, they rely on years of data highlighting that this weather often occurs during the holidays, when an increase in air traffic is evident. This is a glaringly obvious Hard Assumption.
For Southwest Airlines, instead of relying on these Hard Assumptions based on data, they relied on the Soft Assumption that perhaps because winter storms have not been this bad in previous years, they would continue to be manageable or that their legacy systems would handle the issue just fine. There is no data to support these claims, and as Charles Dickens once wrote, “never say never.”
For those airlines that quickly and efficiently rescheduled flights, found lost luggage, and had superb customer service through this storm, customer loyalty increased, the potential for future sales improved, and if they are looking at their internal operation exponentially, they can now see future problems to pre-solve.
Soft Trends carry enormous potential and opportunity, which is why they are such an integral part of my Hard Trend Methodology and thus, a cornerstone to my Anticipatory Leader System. By understanding uncertainty, you make the future more certain as well as prepare yourself for anything that may come your way!
Another week, and another group of people who are shocked by the reality of the markets. To some people it wasn’t a surprise that pending home sales were UP .8% instead of the projected -2.3%. Those that were projecting, didn’t know what we all were seeing, interest is up, credit pulls are up, pre-approvals are UP! So of course we have people making offers and properties going under contract!
Rates are an excuse, not a reason. Anyone who thinks it’s about rates, really needs to understand how to calculate payments and explain that the interest rate on renting is 100%, FOREVER!
Inventory isn’t an excuse, it’s an OPPORTUNITY! If you can’t find an agent that can understand that, then go explain it to an agent so that they can, then work with them until they DO! How are all these homes going under contract if there isn’t any inventory?
What we know that they don’t is that every day people buy houses and the vast majority of them are going to use a mortgage in one way or another. Are there less loan opportunities then there were before? Sure, but you aren’t going to land a deal if you aren’t WORKING a plan that gets you in front of them. Everyone that closes a loan today in your market didn’t hate you. They just didn’t know you were an option for them to choose from!
Get up, get to work, get in the GAME! For help with specific strategies, you can go to the website or email me: This email address is being protected from spambots. You need JavaScript enabled to view it.
Redfin’s Homebuyer Demand Index jumped as prices fell for the sixth-straight week and mortgage rates declined for the third week in a row. But a lack of new listings is holding back sales.
House hunters are wading into the market as mortgage rates and home prices continue to decline, according to a new report from Redfin (redfin.com), the technology-powered real estate brokerage.
Mortgage-purchase applications increased for the fourth week in a row and Redfin’s Homebuyer Demand Index—a seasonally adjusted measure of requests to tour homes, make an offer and/or talk to a Redfin agent about a home search—jumped to its highest level since last May during the week ending March 26.
“My phone is ringing, and it’s usually first-time buyers or investors,” said San Francisco Redfin agent Ali Mafi. “First-time buyers are interested in looking at homes because prices have come down, though they’re still concerned about high mortgage rates. Investors who can pay in cash are honing in on luxury San Francisco condos because prices on those have dropped even more significantly than the overall market.”
The uptick in early-stage demand has yet to translate into more home sales. Pending sales dropped 19% year over year nationwide in the four weeks ending March 26, the biggest decline in about two months. Demand for homes hasn’t yet translated into an improvement in sales mainly because would-be buyers are limited by lack of supply.
New listings of homes for sale declined 22%, one of the biggest drops since the start of the pandemic; homeowners are reluctant to sell because they don’t want to give up a low mortgage rate. The lack of new listings is causing a growing share of homes to fly off the market quickly: Nearly half of homes are selling within two weeks, the largest share since June.
Home prices drop in over half of the country, but rise in some areas
While the scarcity of new listings is holding back sales nearly everywhere in the U.S., prices are dropping fast in some parts of the country and increasing in others.
Home prices dropped in more than half (28) of the 50 most populous U.S. metros, with the biggest drop in Austin, TX (-15.2% YoY). Next come four northern California metros: San Jose, CA (-12.9%), San Francisco (-11.7%), Sacramento, CA (-11.4%), and Oakland, CA (-10.8%). Those are the biggest annual declines since at least 2015 for Austin and Sacramento.
On the flip side, sale prices increased most in Milwaukee, where they rose 14.1% year over year. Next come Fort Lauderdale, FL (8.5% YoY), Virginia Beach, VA (6.9%), West Palm Beach, FL (6.7%) and Providence, RI (6.4%).
On a national level, the median U.S. home-sale price fell 1.8% year over year to $360,500, marking the sixth straight week of declines after more than a decade of increases.
“Prices are still rising quickly in some places while they are down by double digits in big tech hubs, so it’s important for prospective buyers to work with an expert local agent,” said Redfin Deputy Chief Economist Taylor Marr. “One thing that’s true almost everywhere: It’s difficult to find a desirable, well-priced home for sale, so offer and negotiation strategies differ depending on where you’re looking.”
Leading indicators of homebuying activity:
Key housing market takeaways for 400+ U.S. metro areas:
Unless otherwise noted, this data covers the four-week period ending March 26. Redfin’s weekly housing market data goes back through 2015.
To view the full report, including charts, please visit:
https://www.redfin.com/news/housing-market-update-homebuying-demand-increases
Despite slim pickings and affordability challenges, buyers got a jump on spring shopping in March, but rising rates could cause a late-spring frost
Spring is officially here, and like green shoots emerging from the bleak winter, new data suggests that more buyers are back in the market, although more subdued compared to a year ago. According to the Realtor.com® Monthly Housing Trends Report released today, the recent six-month surge in active listings lost momentum, moderating to 59.9% year-over-year, and time on market shrank to 54 days, from January’s high of 74 days, as buyers eased back into the market in March, but higher mortgage rates could freeze them back out.
“Signs show that buyers are active in the spring housing market, even if they aren’t as numerous as they were during the pandemic. Amid fewer new choices on the market and still rising home prices, home shoppers have shown that they are very rate sensitive, only jumping back in the market when rates dip, and so what happens with rates this spring will likely play a strong role in determining whether the housing market bumps along or picks up speed this year,” said Danielle Hale, Chief Economist for Realtor.com®. “With so much built up equity, home sellers are still faring well, but many are sitting on the sidelines. The usual seasonal pick-up in buyer demand appears to be underway, one of several factors that make spring the Best Time to Sell. With an uncertain market ahead, it may be even more important for potential sellers to aim for this year’s seasonal sweet spot.”
Now may be the best time to sell, and homeowners need to put their best foot forward
If homeowners are planning to sell in 2023, now is the time to get ready. Realtor.com®’s Best Time to Sell analysis found that nationally, the week of April 16-22, 2023 will bring sellers the best combination of market conditions this year, including higher home prices, fewer other homes for sale, a faster sale, and stronger demand.
"Well-priced, move-in ready homes with curb appeal in desirable areas are still receiving multiple offers and selling for over the asking price in many parts of the country," said Realtor.com®'s Executive News Editor Clare Trapasso. "So this spring, it's especially important for sellers to make their homes as attractive as possible to appeal to as many buyers as possible. They should make any necessary repairs, spruce up the landscaping, and invest in staging and professional photographs. Homes that are priced too high, are in need of major repairs, or aren't presented professionally are often sitting on the market for longer and sometimes selling for under the initial asking price."
March 2023 Housing Metrics – National
Metric |
Change over March 2022 |
Change over March 2019 |
Median listing price |
+6.3% (to $424,000) |
+38.8% |
Active listings |
+59.9% |
-49.5% |
New listings |
-20.1% |
-26.9% |
Median days on market |
+18 days (to 54 days) |
-18 days |
Share of active listings with price reductions |
+6.8 percentage points (to 12.6%) |
-2.3 percentage points |
Lack of new homes coming on to the market a drag on home sales
The U.S. inventory of active listings continued to climb in March over last year’s lows, but the rate of growth cooled slightly from the brisk pace seen the previous two months. With new listings remaining scarce in March, the rise in the number of homes for sale is a reflection of more time spent on the market compared to last year rather than an influx of new sellers. A lack of new homes to the market continues to be a drag on home sales; attitudes toward housing worsened in February, especially among potential sellers, which likely signals ongoing weakness in the number of new homes for sale this year. Higher interest rates continue to create affordability challenges for buyers, and fewer homes went under contract compared to last year.
Home prices continue to rise but could decline compared to last year as early as summer
In March, national median list prices continued to rise year-over-year, but the rate at which prices are rising slowed to the lowest level since June 2020, in the early months of the COVID-19 pandemic. At this rate of slowing, list prices could decline relative to last year as early as this summer, following the recent national median sale price decline, which fell annually for the first time in 10 years last month. The share of homes with price reductions is up significantly from last year, but dipped below 2017–2019 pre-pandemic levels in February and continued to decline in March, indicating that the smaller number of homeowners who are putting their homes up for sale appear to be readjusting their home price expectations to the realities of today’s market.
Homes are taking longer to sell, but not as long as pre-pandemic levels
A typical home spent more time on market compared to last year, although after rising steadily from summer 2022, the usual seasonal pickup in the sales pace shrank the gap and homes sold faster in March than in January and February, suggesting that buyers are active in the market, even if they are not as numerous as this time last year. Even though the typical home listing was on the market for more than two weeks longer than this time last year, homes are still selling just over two weeks faster on average than before the pandemic boom.
March 2023 Housing Metrics – 50 Largest U.S. Metro Areas
Metro Area |
Median Listing Price |
Median Listing Price YoY |
Median Listing Price per Sq. Ft. YoY |
Active Listing Count YoY |
New Listing Count YoY |
Median Days on Market |
Median Days on Market Y-Y (Days) |
Price Reduced Share |
Price Reduced Share Y-Y (Percentage Points) |
$410,000 |
2.5% |
0.9% |
70.0% |
-16.6% |
47 |
13 |
13.0% |
7.3 pp |
|
$550,000 |
-8.4% |
-10.7% |
312.2% |
1.1% |
52 |
37 |
26.5% |
21.6 pp |
|
$348,000 |
7.5% |
4.0% |
14.1% |
-27.1% |
44 |
12 |
10.2% |
2.9 pp |
|
$279,000 |
5.2% |
5.7% |
63.3% |
-15.7% |
54 |
20 |
13.1% |
6.7 pp |
|
$824,000 |
9.9% |
-0.8% |
24.0% |
-39.6% |
30 |
12 |
8.4% |
4.0 pp |
|
$246,000 |
11.9% |
8.8% |
22.4% |
-10.8% |
46 |
3 |
5.6% |
2.6 pp |
|
$401,000 |
0.2% |
1.7% |
110.0% |
-2.6% |
43 |
24 |
12.3% |
6.8 pp |
|
$352,000 |
5.9% |
-4.4% |
1.6% |
-27.6% |
42 |
6 |
9.1% |
3.2 pp |
|
$367,000 |
15.0% |
4.2% |
19.3% |
-24.2% |
43 |
8 |
8.1% |
3.8 pp |
|
$211,000 |
11.0% |
8.4% |
18.7% |
-21.0% |
47 |
5 |
9.5% |
3.4 pp |
|
$375,000 |
12.8% |
5.2% |
26.9% |
-19.6% |
32 |
16 |
12.0% |
6.8 pp |
|
$442,000 |
4.0% |
0.0% |
172.0% |
3.2% |
46 |
22 |
15.5% |
11.5 pp |
|
$655,000 |
-1.2% |
0.2% |
86.3% |
-17.1% |
28 |
22 |
12.8% |
9.3 pp |
|
$236,000 |
3.8% |
0.8% |
24.5% |
-25.8% |
49 |
22 |
12.1% |
4.0 pp |
|
$403,000 |
15.1% |
5.3% |
-17.0% |
-35.0% |
36 |
10 |
4.5% |
0.6 pp |
|
$361,000 |
-3.3% |
-1.4% |
63.2% |
-9.8% |
49 |
11 |
13.8% |
6.4 pp |
|
$311,000 |
4.8% |
4.9% |
71.1% |
-7.6% |
49 |
15 |
13.1% |
6.5 pp |
|
$400,000 |
0.5% |
1.9% |
176.6% |
1.7% |
54 |
18 |
17.0% |
12.2 pp |
|
$455,000 |
17.7% |
11.1% |
68.0% |
-26.4% |
82 |
37 |
8.3% |
4.7 pp |
|
$450,000 |
-6.7% |
-3.7% |
86.1% |
-30.7% |
55 |
30 |
20.1% |
12.3 pp |
|
$1,000,000 |
2.5% |
2.6% |
33.2% |
-35.7% |
47 |
17 |
9.3% |
5.3 pp |
|
$305,000 |
5.2% |
1.0% |
36.2% |
-27.1% |
37 |
14 |
13.0% |
6.7 pp |
|
$319,000 |
40.3% |
17.4% |
117.4% |
-7.8% |
54 |
18 |
14.5% |
8.2 pp |
|
$599,000 |
10.1% |
2.9% |
87.8% |
-15.7% |
63 |
20 |
14.2% |
9.7 pp |
|
$366,000 |
26.3% |
10.8% |
-17.2% |
-18.8% |
33 |
4 |
7.2% |
1.8 pp |
|
$451,000 |
8.8% |
16.1% |
15.3% |
-27.7% |
40 |
11 |
7.1% |
3.5 pp |
|
$527,000 |
5.5% |
-0.1% |
253.3% |
7.4% |
36 |
25 |
18.1% |
12.9 pp |
|
$330,000 |
-5.1% |
-2.9% |
109.0% |
1.4% |
59 |
15 |
18.4% |
8.2 pp |
|
$699,000 |
7.6% |
6.4% |
-0.9% |
-29.2% |
61 |
15 |
7.3% |
1.9 pp |
|
$350,000 |
3.3% |
4.6% |
129.1% |
-19.7% |
51 |
15 |
12.0% |
6.3 pp |
|
$441,000 |
6.9% |
4.1% |
136.4% |
-14.6% |
54 |
23 |
13.7% |
8.8 pp |
|
$327,000 |
5.6% |
2.9% |
15.0% |
-25.3% |
53 |
15 |
10.9% |
3.7 pp |
|
$499,000 |
-0.1% |
-3.3% |
184.6% |
-22.1% |
51 |
23 |
24.4% |
18.2 pp |
|
$215,000 |
-2.3% |
-2.1% |
27.0% |
-10.9% |
65 |
8 |
12.1% |
4.2 pp |
|
$615,000 |
7.0% |
-1.8% |
57.9% |
-32.1% |
45 |
18 |
10.3% |
0.9 pp |
|
$513,000 |
16.0% |
6.9% |
17.4% |
-40.0% |
42 |
11 |
5.8% |
2.1 pp |
|
$450,000 |
0.0% |
-3.1% |
273.7% |
3.4% |
53 |
42 |
12.3% |
9.3 pp |
|
$402,000 |
12.1% |
6.8% |
51.4% |
-19.8% |
44 |
11 |
7.7% |
5.1 pp |
|
$559,000 |
-2.4% |
1.2% |
71.1% |
-33.9% |
56 |
26 |
12.4% |
7.4 pp |
|
$257,000 |
17.1% |
10.1% |
8.2% |
-25.1% |
26 |
15 |
6.8% |
2.0 pp |
|
$627,000 |
-0.4% |
-4.8% |
14.5% |
-44.5% |
43 |
19 |
9.9% |
3.4 pp |
|
$347,000 |
0.3% |
-0.3% |
161.1% |
6.4% |
57 |
20 |
17.4% |
12.4 pp |
|
$950,000 |
7.7% |
3.2% |
24.6% |
-35.9% |
37 |
12 |
9.6% |
5.9 pp |
|
$1,080,000 |
3.1% |
-2.5% |
5.2% |
-39.0% |
34 |
12 |
9.0% |
4.8 pp |
|
$1,495,000 |
6.8% |
0.2% |
10.9% |
-39.7% |
28 |
13 |
7.2% |
4.4 pp |
|
$789,000 |
5.2% |
3.0% |
66.3% |
-27.8% |
33 |
15 |
9.4% |
6.8 pp |
|
$237,000 |
N/A* |
N/A* |
N/A* |
N/A* |
55 |
8 |
9.8% |
3.4 pp |
|
$411,000 |
2.8% |
1.4% |
187.6% |
-6.6% |
52 |
22 |
18.9% |
13.8 pp |
|
$373,000 |
14.2% |
6.8% |
23.3% |
-23.7% |
39 |
17 |
11.0% |
6.0 pp |
|
$599,000 |
10.0% |
0.5% |
14.2% |
-27.0% |
36 |
9 |
7.7% |
2.3 pp |
*Some St. Louis listing metrics have been excluded while data is under review.
Methodology
Realtor.com® housing data as of March 2023. Listings include the active inventory of existing single-family homes and condos/townhomes/rowhomes/co-ops for the given level of geography on Realtor.com; new construction is excluded unless listed via an MLS that provides listing data to Realtor.com. Realtor.com® data history goes back to July 2016. 50 largest U.S. metropolitan areas as defined by the Office of Management and Budget (OMB).
Business is uncertain, as the future is an uncertain place to be in no matter what industry your business or organization is part of. Because uncertain times are a commonality, how do small to medium-sized businesses or startup companies find their way through the many uncertain times we all face? Through many of my writings, I explore my Hard Trend Methodology where a business leader or organization as a whole realigns their focus on Hard Trend future certainties to determine what they know is certain to happen. Acting as a metaphorical compass that guides you through times of extreme uncertainty, Hard Trends point directly at the evidence of what you can be certain about by highlighting what will continue. This then leads a business or organization to Anticipatory action!
Hard Trends can be heeded by all, but what I like to focus on intently is the importance of their role in the exponential growth of small to medium-sized business and startup companies. Larger corporations and organizations have the money to spend on small to large changes, but even though smaller businesses do not always have the financial pull to create instant change, they do have the power of Hard Trends in their corner!
Small to medium-sized businesses can use these insights and skills to disrupt the industry from the inside out and set themselves much farther ahead than they could ever imagine.
A mastery of my Hard Trend Methodology revolves around diagnosing the three key principles that are common Hard Trend indicators — Technology, Demographics, and Regulation.
Start simple by asking questions about these three principles.
As small business leaders, you cannot sit idle hoping that the larger competitors will just slowly go downhill. Your answers to those questions about my Hard Trend principles are clues leading to an Anticipatory way to significantly and positively disrupt the world. Basing business decisions around these answers will result in creating your own certainty!
Let’s look at some case studies that took Anticipatory advantage of technology, demographics, and regulations to either grow in their industry or avoid disruption completely.
Technology is an ever-changing landscape with constant advancements, but that does not mean it is ambiguous and unpredictable. Digital acceleration brings new certainties with it that can either disrupt or help you disrupt; it just depends on whether you are leveraging them to your advantage.
For instance, in lieu of the constant rise in the Three Digital Accelerators — Processing/Computing Power, Bandwidth, and Storage — remote work is now easier than ever for many. Meetings for both remote and in-person employees cannot be avoided, and while several individuals have long used the phrase “that could’ve been an email” during past years of remote work, screen sharing is not something that can be emailed. However, not everything needs to be a live video conference, which is where Loom came in.
Loom is a company that allows employees to easily and more conveniently host video meetings asynchronously as opposed to live, making virtual work even more efficient. The entrepreneurial and Anticipatory minds at Loom had identified two tech-based Hard Trends — the first was that video was growing exponentially with regard to human communication, and the second was that remote work was accelerating, as I mentioned above.
Looking forward, we can all agree that Augmented Reality (A.R.) and Virtual Reality (V.R.) are accelerating technologies, and their existence are Hard Trend future certainties that can be leveraged by other entrepreneurs. A.R. and V.R. will inevitably make it easier for remote workers to see what on-site employees are seeing effectively!
Demographics in business is more than just counting the number of individuals in a certain area, age group, or ethnicity; it is about understanding their spending habits, life stages, and lifestyle. Identifying a target market and how your business can satisfy their needs is a proactive way to leverage this Hard Trend.
Younger generations have placed a new priority on their pets. A small business that spawned out of this Hard Trend in demographics is Pumpkin Pet Insurance. Pet insurance is a relatively new concept that focuses on the demographic of today’s pet owners and their desire to care for their furry friends as they would their children.
But how did Pumpkin Pet Insurance decide that pet owners needed insurance? Some of the identifiable future certainties of the pet owner demographic include the reality that fewer adults are having children and instead are adopting pets more frequently, the rise in medical costs for animals, and the amount of money pet owners spend.
This discovery led Pumpkin Pet Insurance to success, and should serve as an example for other small business owners in the pet industry looking to provide new, transformative services to pet owners. Perhaps combining this Hard Trend principle with technology that connects pet owners to 24/7 emergency care is an option?
Similar to technology as well as because of new technology, laws and regulations are constantly being updated and new ones are put into practice. As digital technology and other innovations advance, it is a Hard Trend future certainty that regulations will change with them.
This is a more adaptive Hard Trend principle that companies can use to prevent disruption before it occurs. A current example of a business that must adapt to or risk failure is the electric scooter company Bird. These and other modes of transportation quickly appeared in big cities, but many lawmakers debated what companies like Bird did not consider, such as where they were left lying around and where they could be ridden.
Bird quickly took note of the changing laws and regulations that could limit their opportunities to expand, and as a result, they implemented a limit on the speed of their scooters, shut the scooter off if it entered restricted areas, and created a photographic method that required customers to upload a picture of it parked properly or risk a fine.
For small businesses and startups interested in this new industry, the Hard Trend of increased regulation may spawn application ideas that give you a map of the city as to where you can take the scooters or an improvement in the software for companies like Bird that help customers properly leave their scooters behind when complete.
The three principles of Hard Trend future certainties can not only help you create exponential disruption, they can keep you and your business or organization ahead of obvious disruptions heading your way! With my Hard Trend Methodology and the many other principles found in my Anticipatory Leader System, the uncertainty of the future becomes much less daunting and actually certain!
I have been asked to put together a program for companies or individual branches to take advantage of the coaching program while helping control costs. After spending some time working through the process with a handful of current clients, I have put together a program I think will help meet the needs of those facing challenges. The program is just a framework and can be adjusted to individual needs. Here are the basics.
Our industry is facing challenging times. Allow me to put my more than 40 years’ experience to work for you! Thousands of originators, managers, and owners have trusted and benefitted from these proven strategies. Now is the time to put them to work for you!
The site visit and six-month weekly accountability coaching sessions are a great value at $4,995 each. The “Access” program has originators across the country paying $59.95 a month to connect. All these services can be brought to you today for just $5,000 per month! A minor investment for a huge upside production potential. This also represents a savings of more than $20,000 every six months on coaching, and almost another $10,000 in site visits. That’s almost 50% off!
For those on a tighter budget or a smaller branch, we can eliminate the site visits and in person business planning events and do those via Zoom calls and reduce the accountability sessions from ten to 5 per week and 10 additional Access users for $3,500 per month. This represents a savings of more than $10,000!
Space is limited so please reach out today to schedule a call with Coach Mike to see if you and your people would benefit from this opportunity. Once my schedule is full this offer will become subject to availability.
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