Wendy is the MS Warrior Queen and now a mentor for empowering other women diagnosed with MS. She loves working with them to improve their Mind, Body, Relationship and Environment by bringing out their Inner MS Warrior Queen.
She lives in NW Wisconsin with her husband and two teenage sons but loves to travel. In her free time she loves to read and spend time outdoors as long as it's warm out since winter lasts so long in Wisconsin.
As someone who has dealt with MS for over 30 years, Wendy now wants to give others hope by designing premium custom programs to help them with their lifestyle reset.
She is an author for the National MS Society's Momentum magazine, as well as participated in roundtable discussions with Dr Terry Wahls in regard to her Wahls Protocol and has been featured on several podcasts.
For an introductory call with Wendy, visit www.wendybjork.com
Wendy's free MS Guide can be found at heartsofwellness.com/ms-guide
We have seen a real jolt to the bond market and pricing is trying to find a new level. This happens from time to time and those of us who have been at this for a while are prepared for the questions and reactions of our clients, prospects, and referral partners. A few simple things to remember:
• You don’t control the rate markets! If a client wasn’t locked on their loan, or were “waiting” for the “bottom”, that was a risk they took, not you. Don’t feel guilty unless you lied!
• Do the math! Take a few minutes and share the actual costs in monthly payment in a move of .25% . Sometimes rates are an emotional hurdle until they see the actual dollars.
• Share offsets and strategies. Maybe we borrow less money to keep the payment where they are comfortable or maybe we buy down the rate?
• Remember that car payment of $350 a month was equal to about $70K in mortgage proceeds? What are some of the budgetary things people can do to make the new payment work?
We also don’t know where this ride will take us. Please don’t predict the markets! Your ability to share real information is priceless! Get a few charts showing the rate market over the last two years, people got loans in the 3% and 4% range and were happy to have them! Just because we came off the bottom, doesn’t mean it’s no longer a good deal to buy a house or to refinance one. A good number of people have mortgages they are paying right now that have rates of 4% or higher!
Watch the markets and your own company pricing! Be honest and provide options! Don’t be surprised at all of those people who were trying to wait for the “bottom” who now think they have to act right away because they “missed it”.
We are in the loan business, not the rate projection or prediction business. Share the facts, tell the truth, and show the math!
Questions or comments: This email address is being protected from spambots. You need JavaScript enabled to view it.
![Only the 2nd Woman Elected to Her Government Position Since the 90s, Heidi Kuhn Shares How She Revolutionized Team Collaboration Through Intentional Leadership [VIDEO]](/media/k2/items/cache/fcfe3079039a8b04db55ff80bddefeb5_S.jpg)
As the Shelby County Criminal Court Clerk, I understand that public service has never faced as stern a test as it does today. People are watching our government, and with this challenge comes opportunity. They want to be reminded of that distinctly American feeling that theirs is a government of the people, by the people and for the people, a government that works for them and it is my goal to serve the public by standing up for them and making the Criminal Court Clerk’s Office stand out by being effective and efficient in our service.”
Heidi Kuhn started her career with Shelby County Government in January 2001 as the Executive Director of the Crime Victims Center, advocating for victims and fighting for their rights. She was then appointed as the Deputy Director of Community Services, where she was responsible for all victim and offender services, as well community support divisions, such as the Aging Commission, the Community Services Agency and Veterans Affairs. Ms. Kuhn then became the Director of Training where she developed a Training Center for the County from concept to fully operational status. Prior to being elected Criminal Court Clerk in August 2018, she served as the Special Assistant and Lead Strategist to Sheriff Bill Oldham, researching, strategizing and implementing innovative policies to enhance law enforcement and jail operations.
Ms. Kuhn believes in giving back to the community and thus has served and continues to serve on several boards and is active within the community. She is a member of Leadership Memphis, an Adjunct Professor for Christian Brothers University, she held a position on the Advisory Board for COMEC (Commission on Missing and Exploited Children), a Foundation Board Member for the Shelby County Drug Court, Past Vice-Chairman of the Lakeland City Economic Development Commission and the Lakeland City Design and Review Commission, Past President of the Domestic Violence Council, a Board Member of Greater Memphis Media, Inc., an active member of the County Officials Association of Tennessee (COAT), and a member of the International Association of Government Officials.
Ms. Kuhn holds a Master’s degree from Christian Brothers University Business School and a Bachelor’s degree in Education from the University of New Mexico. She also holds certifications in Leadership, Management and Ethics.
Clerk Kuhn is committed to serving the people of Shelby County to the best of her ability and she is dedicated to making sure the Criminal Court Clerk’s office strives towards effective and efficient government operations.
![Krisstina Wise, Author & Expert on Women and Finances Shares What We Need to Know to Take Control of Our Finances to Build Real Wealth! [VIDEO]](/media/k2/items/cache/1cd4f16b925a3ba9fbc8263a9f67d7c2_S.jpg)
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.
More...
In 2018 I traveled the country sharing with real estate agents and mortgage professionals my concerns of pending troubles approaching our industries. I tried to share and warn people about the growing trend of buying leads and building teams of people to call and message those leads one after another in hopes of securing and potential transaction. This process was only further complicated by trainers and coaches in both professions sharing the belief that buy purchasing and chasing leads, and by building large groups of people dependent on those leads for their income, that the very skills needed to be self-reliant was in jeopardy.
The matter only gets more complicated when those leads are largely purchased from companies who are not just in the lead selling business, but in the business of taking over the real estate and mortgage business. I also warned those people that once real estate agents, mortgage people, and the very companies they work for become addicted to buying leads and chasing deals, it wouldn’t be long before the prices of those leads would go higher and the very companies selling the leads would themselves become a competitor.
Well, it’s 2021 and look at the markets. More and more licensed people no longer have the ability to self-generate an opportunity as independent professionals and now work either for these companies in a call center, or for a company as part of a team that only funnel business up through a central person. It’s not hard to see right before our eyes it all happening. Those just a few years ago thought it never possible are now in direct competition with the same companies they are buying their leads from!
You only need to look and see these companies or subsidiaries of them are licensed real estate brokers in many if not all fifty states and DC. Partner companies are now originating mortgages as well. The lines are drawn and the battle is engaged but far too many still don’t see it. As I said in 2018, it would be less than five years before more than half of all licensed mortgage and real estate licenses were issued to those who DON’T work for themselves or work as part of someone else’s team or call center. I think that time may be coming even faster than that!
Just take a look around you and see the size and scope of the lead generation business. Look at the players who are buying up companies one by one and those who are the consumers of the leads as well as the ones paying for them. Then ask a simple question; “why would I be paying money to a company that has a mission to either put me out of business, or get me to work for them and earn less money for my work than if I did it myself?” What you see may surprise you; maybe even scare you!
Questions or comments: This email address is being protected from spambots. You need JavaScript enabled to view it.
![What Can You Learn About a Healthy Lifestyle From One of the Top 3 Most Dangerous Females on the Planet? Join Cristy "Code Red" Nickel and Get the Scoop on How to Stop Whining and Get Healthy! [VIDEO]](/media/k2/items/cache/8f1d81a2584d436849efaa2e11607694_XS.jpg)
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 fought
in 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 with her husband, Miles and dog, Annabelle. She has a passion for CrossFit, mountain biking, snowboarding and yoga. She has written thousands of nutrition programs and has worked with clients from all over the world.
www.CodeRedLifestyle.com
![Nothing Sweeter Than a Valentine Cookie From Your BFF Realtor to Your MVP Clients! Super Star Brooke Sines Shares How to Do It With Low Cost and Help You Promote Your Local Bakery! [VIDEO]](/media/k2/items/cache/46e58956471dcaecbe403aed6a910e80_XS.jpg)
Associate Broker & Team Lead Agent, Brooke Sines has been in the business of working with people all of her life!
Brooke has been told over and over by her clients that it’s her dedication to personalized service that sets her apart from the rest.
She is an expert in her field and a great communicator that treats every client as her #1 priority! Her clients say that they can tell she loves her job, and it shows in everything she does. She runs a real estate team with RE/MAX in West Michigan and Charlotte, NC.
Full time/hands on Mom- of one very talented daughter and adorable son – and a fierce competitor in the best way possible.
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