Deposit That

In this episode GREG MORGA shares his personal story from being given everything as a child to now earning every penny and every closing, and working his ass off to believe in himself and show himself his capabilities and value. From Poker to the Mortgage world, Greg gets after it, all in. Hosted on Acast. See acast.com/privacy for more information.

In this episode Sean James hits the hole hard breaking through life's challenges and barriers to redefine the name and image of former NFL running back to a New York City icon. One of the most inspiring and humble men out in the wild. Sean believes we should all “find the good in people” which is how he approaches every human he meets. Hosted on Acast. See acast.com/privacy for more information.

In this Episode professor X hits the screen talking about it all starting with the Brain & nervous system … take it to the bank and DEPO$it THAT

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One of the reasons there’s poor management in the mortgage sector is the lack of education. People end up in managing positions, without really understanding the full landscape, and that affects how the entire industry develops and influences the lives of so many people.It’s time for some change, don’t you agree?Ralph intends to disrupt the way you think about the mortgage industry, the way you see the business, and the way you do business. He encourages people to think outside the box, take some shots, and try different things.In today’s episode, I am joined by my friend, Ralph, who is living proof that you can form friendships in business and business in friendships. We take the pulse of the mortgage industry today, stressing the need for more education – both for buyers and sellers - and we dive into predictions for the foreseeable future.Ralph Dibugnara is a nationally recognized mortgage expert and a frequent real estate industry commentator, featured in CNBC, Fox Business, Forbes, Huffington Post, and several other top-tier media outlets. With over 15+ years of experience, he is the President of Home Qualified and Vice President at Cardinal Financial, and focuses on the millennial demographic and redefining the role of the banker in today’s buyer-centric real estate market.A frequent industry commentator, Ralph is laser-focused on the trends and tides of the new world real estate game, so listen to Episode 39 of Deposit That, to learn the latest tendencies in this industry, especially with everything that’s going on in the US, today.Questions I ask:Do you think that it was very important learning sales first, then add to your God-given talent of management skills? (01:46)What do you think causes the poor lack of leadership and management, specifically in the mortgage industry? (02:36)How do you set your goals and what your future plans are, in a daily environment? (22:12)Do you think loan officers are still a value nationwide? (28:33)How do we get out to the consumer that not every rate is for every single person, and we don’t control that? (34:21)What do you see happening over the next 90 days in the marketplace? (39:33)In this episode, you will learn:Ralph’s background and how he got into the mortgage business. (00:58)The importance of developing a personal brand. (07:36)How having a routine was one of the contributors to Ralph’s success. (14:27)How Ralph views the recruiting process in this industry. (26:23)The vision behind the “real estate disruptors”. (29:11)Ralph’s Deposit That advice. (43:37)Connect with Ralph:LinkedInInstagramCardinal Financial WebsiteHome Qualified Website See acast.com/privacy for privacy and opt-out information.

Nowadays, we are told to pretend, fake, and create this persona that we’re not. Being comfortable with yourself and being honest with who you are, gives you the energy to thrive in the space that you step into, no matter what that is.In today’s episode, Marcus and I focus on the topic of overcoming the struggle of going from the sports structure into the life after sports because the longer you play, the harder it is to accept when it ends.Marcus Stout works with basketball players of all levels in various capacities to develop their on and off-court skills. He is involved with many programs, such as NBA Pre Draft training - which helps prepare players for the NBA who are eligible for the draft; The Academy – which is a program that is focused on developing the overall skills of the youth as a player and person; Drill and Play – which focuses on the development of the youth through the game of basketball.So, listen to Episode 38 of Deposit That, to learn that acceptance of who you are and how you fit within the world is the biggest separator of people that are doing great and people that are not.Questions I ask:Tell us about your journey. (01:13)Do you feel like your injuries happened for a reason, in order to give you the opportunity to give back the way you are today, to kids, and inspiring the youth, or do you think there was another reason for that? (03:01)How was the transition from high school, with no expectations, into college and playing? (03:44)Do you see sports ever changing back to the old school way of combine, show up, get looked and move forward? Or is it more of a long-shot investment now? (09:12)What’s one thing you want to leave the listeners with? (55:44)In this episode, you will learn:In today’s sports world everyone is looking for shortcuts to find the next diamond in the rough. (12:28)How to keep a balance in the roller coaster of the sports world. (20:49)Marc’s experience with getting injured. (27:31)The longer you play, the harder it is to accept when it ends. (31:56)The reasons why writing is therapeutic. (34:16)The top 5 young NBA players to watch. (52:15)Connect with Marcus:LinkedInFacebook See acast.com/privacy for privacy and opt-out information.

There’s no substitute for hard work, for grinding, for building your own thing. Even when you’re tired and you want to go home, putting an extra effort into what you’re doing, and hustling just a little bit more, can definitely make you feel better about yourself. In today’s episode, I talk to Frank about a ton of things. He’s a young and restless individual, who never likes to sit still, so he’s got a lot of stories to tell. We chat about his background, his numerous experiences in different fields, and how he juggles his personal and professional life.From a young age, Frank Valenti worked alongside his father at his landscape construction company. While he was in college, studying civil engineering and construction management, he started his first company, doing small construction jobs. A friend of Frank’s advised him to get into the restoration business, so he founded Valcon Contracting Corp – a fire, mold, and water-restoration company, that now is very successful and is preferred over its competitors.Frank’s entrepreneurial spirit, and the success of his company, led him to invest his life savings into a commercial building. That building had an empty first floor, so he decided to start, together with two friends, an Italian restaurant called “808 Social”.So, listen to Episode 37 of Deposit That, to learn what makes this guy special, and the reasons why he’s the go-to guy whenever there’s a fire/mold/water restoration needed.Questions I ask:What would you say are two or three variables that turn a deal out to be good – better than expected, or bad – worse than expected? (05:47)Talk to me about all the ancillary businesses that you’ve opened up. Why you’ve opened them up and how you became the entrepreneur you are today? (08:29)If you had to pick one business that you have, to go all-in on, what would it be? (15:57)What do you see in the market in Westchester County right now? Where do you see opportunity and where do you see pain points? (16:30)Where do you think that the opportunity lies right now, in the real estate world? (21:21)In this episode, you will learn:How to land a job/project even though your rates are higher than your competitor’s. (11:13)How Frank ended up opening a restaurant. (14:21)What Frank looks at when analyzing a deal. (24:49)How Frank handles work-life balance. (28:25)Frank’s Deposit That advice. (33:31)Connect with Frank:LinkedInInstagramFacebookWebsite Valcon Contracting CorpValcon Contracting Corp on FacebookValcon Contracting Corp on InstagramWebsite 808 Social808 Social on Facebook808 Social on Instagram See acast.com/privacy for privacy and opt-out information.

In order to become successful, no matter the field you’re in, you’ve got to focus on the process and fall in love with “how” you do things, not with ”what” you can get out of what you do. Allow yourself to make mistakes, to learn and to adapt. Be open to everything because the minute you become naive and a tunnel-vision person, you stop growing.In today’s episode, I talk with Lamar about how he sees the world in general and the healthy attitude we should all have toward each other. He talks about becoming successful relying on your own forces and instincts, and he shares with us stories from his rich background.Lamar McKnight was born and raised in the heart of Jersey City. He almost lost his life from just hanging with the wrong people at the wrong time, but he survived and learned his lessons. Lamar says that his past is the root of his current success. He started the Lamar McKnight Quarterback Academy in New Jersey and he is one of the fastest-growing quarterback trainers in the country.What makes him so special is the way he views human connection – regardless of where you come from, regardless if your black or white, he’ll treat you according to the person you deserve to be.So, listen to Episode 36 of Deposit That, to learn some great life lessons from the man who knows what it’s like to not have enough but also what it feels like to have everything.In this episode, you will learn:Lamar’s background. (00:32)All people are the same, regardless of their color. (13:57)Nobody can come and take from you what you’ve built. (24:40)Sometimes what we think we want isn’t necessarily what we need – look back and self-reflect to understand how you got to where you are. (36:09)Lamar’s Deposit That advice. (59:44)Connect with Lamar:Website – Lamar McKnight Quarterback AcademyLinkedInTwitterInstagramFacebook See acast.com/privacy for privacy and opt-out information.

Since the invention of blockchain, in 2008, there has been a lot of fuss around cryptocurrency and how this could impact the world we live in. It’s a vast domain, that it’s becoming more and more influential with every year that passes.The average person on the street may have heard about blockchain, and Bitcoin, and other cryptocurrencies, but as far as understanding what they are, how they work, and the application for them, there’s still an educational gap that needs to be filled.In today’s episode, I want to unravel the truth behind cryptocurrency with Dr. Sean Stein Smith. He explains, in simple words, the terminology around it and he also shares some tips on what to pay attention to, when we turn our heads toward this world.Sean Stein Smith is a professor at the City University of New York – Lehman College. He also is the chairperson of the NJCPA's Emerging Technologies Interest Group (#NJCPATech). He serves on the Advisory Board of the Wall Street Blockchain Alliance, where he co-chairs the Accounting Work Group. Sean is on the Advisory Board of Gilded, a TechStars ’19 company. He was also a Visiting Research Fellow at the American Institute of Economic Research. Sean has also been named one of the Top 100 Most Influential People in Accounting by Accounting Today.So, listen to Episode 35 of Deposit That, to learn cryptocurrency 101 from one of the knowledgeable people in this field.Questions I ask:What got you into cryptocurrency? And what happened in 2017? (01:02)Where are we at, in the crypto space right now? (06:39)How do you see Ripple impacting the financial sector? (12:03)Do you believe blockchain is built for every single industry? (22:45)What tips would you give to people that are interested in this field and want to learn and maybe invest? What would your advice be, in doing due diligence? (32:05)From a real estate standpoint, do you believe we’re starting to see more people buying and selling real estate with the blockchain and Bitcoin, or no? (37:40)Do you think we’ll come to a point where every single human has its own blockchain profile, like a Facebook profile? (38:43)In this episode, you will learn:What Ripple and XRP are. (12:07)What a token is. (12:59)The problems that blockchain solves in the world. (20:32)Blockchain and real estate – how these two work together. (23:53)The most commonly used asset for criminal actions. (26:57)Sean’s crypto-related Deposit That advice. (40:13)Connect with Sean:LinkedInTwitterFacebook See acast.com/privacy for privacy and opt-out information.

“A good loan officer can fix problems; a great loan officer avoids them“Being in the mortgage industry has its perks, but it also means that you have to find a way to be available for your clients 24/7, and this is not an easy job, especially if you want to also take care of yourself and your family.But, once you figure out a system that works for you, things get a lot easier.In today’s episode, Steven and I discuss how to balance a mortgage career and a personal life, and he shares some of his routines and systems that have helped him manage the everyday hustle. In addition, we also talk about the current market environment and how Steven sees it evolve in the future.Steven Koerner and his dedicated team pride themselves on delivering a transparent, seamless and efficient mortgage experience to their clients. Steven is a 17 year veteran in the mortgage industry who meticulously focuses on details for his clients. He has found his home with Citizens Bank for the past 5 years. Steven is a recipient of multiple awards including “Presidents Club”, “Customer Satisfaction” and the prestigious “Citizens of Excellence”. Steven Koerner is a proven, time-tested exceptional mortgage expert. Building a meaningful bond and educating his clients are some of the reasons why clients love working with him and his team.So, listen to Episode 34 of Deposit That, to learn how to do eight hours’ worth of work in half the time, and how to keep your clients happy.Questions I ask:What got you into the mortgage business? (01:22)What did you focus on when you got into the business? (02:15)How have you been able to manage your personal life with your business life? (16:45)What’s your weekly routine? (18:19)What would you say is the biggest sacrifice that you made for yourself and your wife? (44:44)What’s your personal forecast and understanding of the current market environment that we’re in right now? (48:16)In this episode, you will learn:The reason why Steven chose to be part of Citizens Bank. (10:49)The type of clients that work with Steven. (14:58)Steven’s follow-up process both with the referral source and with the client. (23:53)How Steven sets goals for the year and how he tracks on a monthly basis where he’s at. (29:01)The trouble with Zillow, in a nutshell. (51:35)Steven’s Deposit That advice for people to implement into their daily life. (52:57)Connect with StevenLinkedInFacebookCitizens Bank See acast.com/privacy for privacy and opt-out information.

Throughout life, there’s going to be challenges and hard times, but there’s also going to be some magical times. You never know what tomorrow holds, so you’ve got to keep working, grinding, and perfecting yourself and never stop learning.In today’s episode, Ashley and I talk about the world of basketball, and what it means to dedicate your life to this sport. As a tribute to Kobe, she also speaks about their relationship on the court and as friends, and she encourages all of us to rise and shine and crush life.Ashley Battle is currently a Basketball Operations Associate at NBA. She started playing basketball at an early age, and when she was in fifth grade she was the only girl on the boys’ basketball team. She spent her high school years in a boarding school in Wheeling, West Virginia, where she set school records in points, rebounds, assists, and steals. She decided to go, for college, at the University of Connecticut, following most of her friends there, and she graduated with a bachelor’s degree in Marketing and Economics.So, listen to Episode 33 of Deposit That, where Ashley shares some valuable life lessons she learned on the court.Questions I ask:What was like being in Kobe Bryant’s presence? Was it different than anything else you’ve ever been around? (02:40)How did you wind up at UConn? (04:01)In women's basketball, is it common to leave early and go to WNBA or is it kind of like, you do your four years, you graduate, and then move on? (14:23)Do you think that the practices more so than the games, prepared you for real life? (18:42)What’s one thing you want to leave everybody with, to Deposit That in their memory bank? (39:00)In this episode, you will learn:How Ashley’s perception of life changed after moving out of Pittsburgh. (07:11)How Ashley recovered from an injury she suffered in her freshman year. (12:21)The similarities and differences between being in a basketball team vs being in a corporate team. (20:15)Ashley’s experience of playing for the New York Liberty. (30:39)Ashley’s current role in the NBA and what the future holds for her. (35:14)Connect with Ashley:LinkedInInstagramFacebook PageTwitter See acast.com/privacy for privacy and opt-out information.

Holistic medicine is a form of healing that considers the whole person – mind, body, spirit, and emotions.As some of you may know, in 2017 I went on a personal journey meant to bring back balance in my relationships, my life, my mind, and my body. That’s when I met Leo and Veronica and without them, I probably wouldn’t be where I am now.In today’s episode, we talk about their work and how they are able to help people by combining different techniques, from massage therapy and balancing internal energies through meditation, to dance, and creative arts therapy. Veronica Olivares has built a private practice as a therapist, combining a holistic approach with traditional methods. She discovered the significant impact of alternative healing techniques while training in dance therapy as well as in the creative arts. Always having been a creative herself, Veronica believes that true healing and transformation can occur when we learn to tap into the parts of us that ignite and inspire the creator within.Leandro Acevedo is a holistic massage therapist with over twenty years of experience. He has created his own style of healing by combining different techniques plus adding his own methods. He believes if we understand how energy works, we can use it to benefit our health mentally, emotionally, physically and spiritually. His work focuses on balancing internal energies in order to heal.Listen to Episode 32 of Deposit That, to learn the different types of problems people have when they decide to work with Leo and Veronica, and why a holistic approach can help you bring harmony into your life.Questions I ask:Veronica, what do you think got you specifically into this space other than to help other people? (03:45)What causes judgmental people, in this world we live in, to be so judgmental and critical without knowing the full story? (13:36)How did you guys meet? (14:46)Do you believe that every single person should incorporate energy work into their life at some point? And is there a time when it’s more beneficial or less beneficial? (20:13)Do you ever let your business work impact your personal life? (36:13)Explain how men and women are so different and how they are supposed to interact with each other? What are the biggest things that people conflict on? (40:17)In this episode, you will learn:Leo and Veronica’s background and what they currently do. (01:05)About the dark shadow that’s present in each one of us. (08:40)Where the ego comes from. (09:28)The skill that makes talk therapy so efficient. (21:15)Veronica and Leo’s secret ingredient that makes them better than other people in their field of work. (28:17)How Veronica and Leo prove their work is real. (32:24)Your Deposit That advice for this episode. (43:49)Connect with Veronica & LeoWebsiteLinkedIn See acast.com/privacy for privacy and opt-out information.

Lending in the real estate industry – as in any other field – requires a certain degree of communication between parties. As a borrower, it’s essential to be upfront with any difficulties you may encounter, because everyone can have rough times and lenders can be very understanding if they know the whole story.In today’s episode, Matt and I discuss the key aspects a lender looks at when taking into consideration whether to invest in a deal or not, and he shares some of his experiences on the subject. Matthew Barbaccia started his career in 2005 selling multi-family buildings in the Bronx for one of the largest national commercial real estate companies. As the market started to turn around, in 2008 he partnered with a Bronx owner-operator to combine expertise to better help his clients navigate the changing real estate market. Throughout Matthew's career, he has directly advised on the sale, financing or asset management for over $500 million worth of investment properties in NYC and Westchester County.Matthew founded Brix Real Estate to expand on 15 years of real estate experience in the Bronx, Westchester and Manhattan selling, financing and managing multifamily and mixed-use properties. He is actively involved in the NYC real estate community. Currently, Matthew is a member of Community Housing Improvement Program (CHIP) and Rent Stabilization Association (RSA).So, listen to Episode 31 of Deposit That, to learn how the real estate market has changed in the past few years, and what type of deals Matt focuses on, at the moment. Questions I ask:What sparked that entry into the private lending space? (06:37)What’s been your experience so far? Do you like it? What are the opportunities and where are the problems? (07:39)Do you believe that people that want to get into real estate or mortgage lending should start while they're in college? (11:36)Based on all the years of experience, all the business ventures you've done, what you currently do - wife, kids, everything else - what's one thing you want to leave the listeners with that they can implement immediately into their daily life? (52:12)In this episode you will learn:Matthew’s background. (00:32)The reasons Matt transitioned to property management. (03:21)Mezz Financing explained. (09:03)How Matthew manages to balance his work life with spending time with his wife and two kids. (13:57)What a borrower should do, if they have hard times. (19:22)Connect with Matt:WebsiteLinkedInFacebook - Brix AdvisorsTwitterInstagram See acast.com/privacy for privacy and opt-out information.

Being successful at a young age requires a certain discipline, focus, and consistency. You can find ways to tweak some things in order to make it your way, and if you become consistent in what you believe in, you’re unstoppable.On today’s episode, you’re going to hear the unusual story of a young agent that is thriving in an industry he didn’t want to be a part of, a few years ago.Oscar Nunez is a knowledgeable, ambitious, and enthusiastic real estate agent that focuses mainly on keeping his clients happy and creating long-term relationships. He finds ways to sell homes no matter the condition, location or situation.So, listen to Episode 30 of Deposit That to learn about this rising star, how he managed to start and go full speed in the real estate business and what are the strategies he uses to close every deal he gets.Questions I ask:● What actually got you into real estate? (05:45)● What kept you going and what have you learned in the past three years of real estate? (06:45)● Talk to me a little bit about your strategy moving forward. (10:28)● How are you able to block out all the noise and the non-factual information? (12:54)● Have you found it challenging to pick up on market trends in markets that you're not operating in daily? (17:37)● Have you ever had a property listed that you didn't sell? (20:41)● Have you ever lost business from being too honest with somebody? (26:02)● What are your goals for 2020 and for the decade? (29:22)In this episode, you will learn:● Oscar’s story before and after he came to the US. (00:26)● Oscar’s traits, at 22 years old, that separate him from everyone else. (11:40)● How Oscar chooses who to listen to and what advice to take. (14:21)● Oscar’s follow up system with prospective clients. (18:57)● Oscar’s advice for young people on how to get started and go full speed into the real estate business. (24:04)● Oscar’s Deposit That advice. (34:11)Connect with Oscar:● LinkedIn● Facebook Page● Facebook Profile● Instagram See acast.com/privacy for privacy and opt-out information.

Failing is a great way to improve ourselves. We mostly learn from the mistakes we experience, but when it’s possible, it’s important to take notice of other people’s errors and try not to repeat them, so that we have less to experience on our own. In today’s episode, Brett and Dave share their biggest failures and what they’ve learned through the years. They also talk about EXP’s mentoring program that helps young agents find out what their weak spots are and become better at doing business. Brett Sikora launched Sikora Group in 2016, with the main goal of making sure that every client and team member is getting the white-glove service they need to make the process of buying or selling real estate as smooth as possible. He got his real estate license in 2007 and started selling real estate after he worked at a car dealership and wanted to pursue a career in sales on a bigger scale. David DeVoe is the CEO and founder of the DeVoe Group, a company that provides the best service possible to handle the real estate needs from start to finish. Prior to being in the real estate business, he worked in the mortgage industry for 10 years.So, listen to Episode 29 of Deposit That, to learn from their failures and deposit those into your memory bank, so that when you’re in a similar situation, you’ll have a better chance of not repeating the history. Questions I ask:Why EXP? (23:30)Do you think the industry is shifting, like, the people with experience and people without experience are actually willing to hire someone like yourself, to get coaching or get advisory or get some mentorship that they’re willing to pay for, other than the revenue share split for being on the team? (28:48)Why are people - specifically in real estate - so against the facts or the proof in the pudding of reality? (32:57)What do you recommend for the person that's listening and they’re like, "I really want to leave my full-time job. I want to become a successful real estate agent." How should that transition look like and at what point should they really just decide, commit, and go all-in on being a licensed real estate salesperson? (37:08)In this episode, you will learn:Jeff’s biggest failure. (01:08)Brett’s scariest real estate investment, and his definition of failure. (05:09)The trap than many people fall into – Dave included - thinking that all the money they make is theirs. (09:37)The importance of investing in an advisor that will help you set your budget right, especially if you’re young and inexperienced. (12:03)The benefits of EXP’s mentoring program. (43:00)Connect with Brett and Dave:Elevatedominate.comEXP Realty websiteThe DeVoe Group websiteSikora Group websiteDave’s LinkedIn profileBrett’s LinkedIn profile See acast.com/privacy for privacy and opt-out information.

One of the most important things to take into account in every industry - and the real estate world makes no exception - is yourself. It’s so important to always do what you set yourself up to, and respect your time.On today’s episode, Brett and Dave share their vast experience with real estate and what got them to where they are now. They run The DeVoe Group and The Sikora Group through eXp Realty - a virtual cloud-based brokerage that is changing the way real estate is done.Brett Sikora launched Sikora Group in 2016, with the main goal of making sure that every client and team member is getting the white-glove service they need to make the process of buying or selling real estate as smooth as possible. He got his real estate license in 2007 and started selling real estate after he worked at a car dealership and wanted to pursue a career in sales on a bigger scale.David DeVoe is the CEO and founder of the DeVoe Group, a company that provides the best service possible to handle the real estate needs from start to finish. Prior to being in the real estate business, he worked in the mortgage industry for 10 years.So, listen to Episode 28 of Deposit That, to learn what are the most important elements to be successful in business.Questions I ask:I want to hear what got you guys into the business and what year did you get started? (00:50)How do you balance that percentage of focusing on what works versus still being imaginary? (09:52)Talk about a little bit about your growth, personally and professionally, while being at the eXp and the numbers that you've produced, and the team that you've built out over the last 12 to 18 months. (21:39)How much value do you weigh on somebody saying, "Just buy and hold, buy and hold, buy and hold, don't fix and flip at the top of this market here"? (33:08)What do you guys recommend for people to do to set themselves up for success, not only for this year but for the next decade? (36:06)In this episode, you will learn:How the market is going to change in the next decade. (05:36)About Brett’s and Dave’s shift from Keller Williams to eXp Realty. (16:00)The trends and the opportunities in the New Jersey real estate market. (28:02)Brett’s and Dave’s Deposit That Advice. (40:20)Connect with Dave:WebsiteLinkedInConnect with Brett:WebsiteLinkedIn See acast.com/privacy for privacy and opt-out information.

Deposit That means to deposit in your memory bank at least one thing from every episode, and every guest we had over the past 25+ episodes was asked to share one advice that you can implement into either your personal life, business life or both. In this special episode, we gathered every Deposit That advice from the show, so that you can have a powerful 2020 right from its beginning. Below, you’ll find a summary of the nuggets of wisdom we’ve collected over the past six months.On the personal side:Say what you truly believe in and take a risk to be yourself and authentic;Try to understand the other person’s perspective as well;Chase your dreams and your goals and don’t let anybody tell you that you can’t do something;Listen and take advice from the people around you;Don’t give up and don’t be afraid to fail;Find a style and a strategy for your life that fits your personality;Slow down, in order to speed up – take the time to figure out who you are and what makes you different.On the business side:Start small and work hard;Do not feel rushed to be successful, and remember that success doesn’t equal a massive paycheck;Surround yourself with the right team of people.We wish you a happy New Year and see you in 2020! See acast.com/privacy for privacy and opt-out information.

In the real estate field, 87% of agents will fail to thrive. But why is that?We have discussed in previous episodes about the lack of proper teaching and the hardships and benefits of being in this industry, but in today’s episode, Matt comes with a fresh perspective on this subject. His experience in the creative world has allowed him to create a different way of marketing the real estate business and he shares great and useful content for all the agents and home buyers/sellers out there.Matthew is an award-winning New Jersey Broker/Salesperson, working with first time home buyers, luxury home buyers and investors of real estate. For more than 10 years now, Matthew has been working in the Northern New Jersey & New York City markets and he specializes in New York City Commuters, Essex County & Bergen County area homes. Matthew is well-versed in home financing, Short Sale Certified and a Certified Negotiations Expert.So, listen to Episode 26 of Deposit That, to learn how Matt took all his experience from being in the creative field for 30 years and used it to build a successful business in the real estate industry.Questions I ask:Now you own a real estate brokerage company in New Jersey, but what is your background prior to getting into the real estate business? (01:07)Talk to us about your experience marketing not only your company on social media, but you using Facebook as a platform to educate people and show them how you’re doing business. (17:36)What’s one thing you want to leave everybody that’s listening today with, in order to implement in 2020? (51:51)In this episode, you will learn:The story of the first piece of property that Matt bought. (09:10)The two rules that Matt applies when dealing with home sellers and agents. (23:04)The number one rule of being successful, in Matthew’s opinion. (26:50)The new rules of NAR – The National Association of Realtors – and how they affect the real estate industry. (27:53)The three pillars of Matt’s business. (49:47)Connect with Matt:WebsiteLinkedInFacebook ProfileFacebook PageYoutube ChannelTwitter See acast.com/privacy for privacy and opt-out information.

Oftentimes, when we dive into a new business or a new industry, we are bound to make some mistakes. These are common mistakes that most people do when they start their career, so why not learn from those who experienced them?In the mortgage world, the errors in judgment are frequent, since not many people actually dream of becoming a loan officer or a realtor, therefore, there aren’t many ways you can learn, other than through experience.On today’s episode, I talk to Jennifer, who after 30+ years of being in the mortgage industry, has gained valuable knowledge on how things work. Jen mentors people, now, because she believes nobody should spend half of their working life to learn on their own what can easily be taught by others.Jennifer Du Plessis is a keynote speaker, mentor, podcast host, and author. She began her long career in mortgage lending while in high school and continued to work through college. In the last 30+ years, she has been a delegated underwriter for the FHA, Veterans Administration, and both Fannie Mae and Freddie Mac. She has held management positions from District Manager to Executive Vice President/National Sales Manager. Now, she is helping Mortgage Loan Officers, Realtors and Entrepreneurs grow their businesses while maintaining the lifestyle they’ve always dreamed of.So, listen to Episode 25 of Deposit That to find out what you should focus on, to get more clients for your business.Questions I ask:How has the mortgage career allowed you to evolve into different industries, different paths that you probably never thought you'd be on? (06:00)What's your vision as far as technology being implemented into the mortgage and real estate field today? (12:51)Do you believe, eventually, the sales managers are going to be gone and people are going to be more inclined to get a coach like yourself or they're going to be able to go on a webinar and hear somebody speak? (19:32)What is your advice to people, to survive the slowdown? (25:00)You travel all over the country. Do you see a different business model in every different demographic and state/part of the country you go to? (31:24)In this episode, you’ll learn:Why training new people in the mortgage industry feels like babysitting. (03:40)Jen’s philosophy on teaching people how to do things. (07:32)The Fascination Advantage or how the world sees you. (08:06)The difference between mentoring and coaching. (20:00)Jen’s Deposit That advice. (38:10)Connect with Jen:WebsiteLinkedInMortgage Lending Mastery PodcastBook: Launch! How to Take Your Business to New Heights See acast.com/privacy for privacy and opt-out information.

In the past several years, social media has become a powerful tool in successfully handling any business, but a lot of people still have to find their way in mastering the skills required to promote themselves on these platforms.Sharing your story gets a potential client to know, like, and trust you, but sometimes it’s hard to show up and be comfortable and confident with who you are, in the eyes of the world.On today’s episode, Megan shows us the importance of using social media for our business and gives us tips on how we can start engaging with our potential clients, through our posts.Megan Anderson is a marketing and social media guru at MBS Highway – a platform for loan officers, that helps them articulate the financial market, create relationships, and close deals. Before working in the mortgage industry, Megan trained people online, for bodybuilding shows. This helped her see the power of promoting through social media and she noticed a general need for people to develop in this area, so her goal, now, is to teach individuals how to use the online resources at hand. So, listen to Episode 24 of Deposit That, to learn how to master this powerful tool and get in line with those who are already experts. Questions I ask:Talk about the transition from the fitness world until where you are today. (01:22)What is MBS Highway? (06:31)Where would you say is the most challenging aspect of your business? (09:37)How did you get into writing poems? (13:29)What have you learned in the mortgage business so far in the past four years of doing what you're doing? Do you think that there's a future for it? Do you think that has to change? Do you think that people are going to change? (22:43)Why do you think it's so hard for people to actually share their personal stories? (27:55)In this episode, you will learn:Why social media is needed in today’s business world. (07:55)How somebody can balance their insecurities. (12:04)Megan’s advice for people who want to get their story out. (28:08)Megan’s morning and daily routine. (30:46)Megan’s Deposit That Advice. (34:22)Connect with Megan:InstagramLinkedInMBS Highway website See acast.com/privacy for privacy and opt-out information.

Social media has allowed everyone to be a writer. Whether we’re updating our Facebook status, or we Tweet an opinion or post a long story on Instagram, we all put our creativity into words. But, being a writer means more than that, it requires a lot of hard work, discipline, passion, and dedication.In today’s episode, Ben shares some of the secrets he has learned over the years, from his experience with writing for sports magazines and websites, and also dipping his toes in the literary area.Ben Osborne has been a part of SLAM magazine, rising from intern to nearly a decade as Editor-In-Chief, and, in 2016, has made the transition to being Editor-in-Chief at Bleacher Report. He felt he needed to take this step because, while he loves basketball, he is an all-sports fan and believes he’s got something to offer on all of them.So, listen to Episode 23 of Deposit That, to learn what it takes to be a successful writer in the sports world.Questions I ask:Did you always write about sports, even while you were playing them, or not? (01:54)What was it like, working for SLAM? (04:26)What's your advice to somebody that really wants to turn their passion for writing into income? (09:27)How do compare, good or bad, ESPN to Bleacher Report? (29:04)How do you translate what's in your head and what you feel on the inside, onto paper, where everyone can read it and understand it? (35:06)What's the one thing you want listeners to walk away from your episode, with? (39:58)In This Episode, You Will Learn:Ben’s background and how he ended up in the sports writing world. (01:06)Why he decided to transition from a 10-person company to a huge one, and how we dealt with the change. (06:13)Ben’s advice on coming up with a creative title for articles, or books. (13:44)About the Bleacher Report’s app and why is different than other sports apps. (26:36)Ben’s advice for people that want to write a book. (32:21)Connect with Ben:LinkedInInstagramTwitterBook: The Brooklyn Cyclones: Hardball Dreams and the New Coney Island See acast.com/privacy for privacy and opt-out information.

In today's world, everyone is being rewarded just to do the job that they were assigned to do and not go above and beyond. But if you don't go out there and give your best effort, if you don't go out there and try to display excellence and be the best that you can be, what kind of man are you going to be?On today’s episode, I talk with Colt about the workouts he does, and the techniques he uses to push athletes and bodybuilders to their highest potential.Colt Colletti is a native of River Ridge, who prepped at John Curtis Christian High School and played for the Colonels from 2000-2004. During his senior campaign in 2004, Colletti played in nine games and rushed for 546 yards on 91 carries with six touchdowns. Colt’s four years totals include 380 carries for 2051 yards and 24 touchdowns. Colt spends his time down in his home state of Louisiana and has some of the most well-known NFL athletes come to stay with him and train in what he calls “The Jungle” which is his house and garage gym.So, listen to Episode 22 of Deposit That, to learn what it takes to train toward your goals, and that consistent work is the secret sauce to achieving whatever you desire.Questions I ask:What are those top three things that you look for when you're sizing somebody up before you're going to train them? (03:30)What was that big hurdle that got you the recognition that took you to the next level where people were knocking on your door to train them? (14:06)When you train these athletes, obviously you're up against all of the odds and everyone's trying to say, “Don't do that, don't do this.” How do you handle that? (14:37)In your opinion, what's the definition of work? (22:59) Do you believe you are one of the five people you surround yourself with, or not really? (28:36)In a perfect world, where do you see yourself along with the help of others, taking your training business in the next couple of years? (29:54)In this episode, you will learn:About the type of workout he was doing, when he first started, at around 8 years old. (02:08)Colt’s experience with a car accident and how his life changed after that. (10:34)About his dogs and how they are his inspiration every day. (18:05)Colt’s vision and goal for his workout programs and the type of persons he is looking for, to become his clients. (24:48)Colt’s Deposit That advice. (34:48)Connect with Colt:Instagram See acast.com/privacy for privacy and opt-out information.

The restaurant industry is among the toughest ones. There is high employee turnover and you have to put your heart and soul into your business if you want to keep loyal people and have customers knocking on your door.Lizeth waited to get in the restaurant family business until she knew she had the skills necessary to grow it to its maximum potential – a Peruvian Franchise Empire. Her vision is, “When people think of Peruvian food, I want El Gordo to be among the first places that come to their mind.”In this episode, Lizeth is telling us her story of how she fought to remain in the U.S when she was close to being deported. We discuss the faults of the American Immigration System and what an immigrant has to go through to continue living in our country and we also touch upon what it takes to be a true leader.Lizeth Morales started out her career in the restaurant industry in 2012 and now she works alongside her mother to take El Gordo Restaurant to the next level. Prior to becoming a Restauranteur, she worked in corporate America for 6 years as a Senior Sales and Training Manager and from the outside, she was living the “American Dream” – at the age of 29 she had a successful career she had worked very hard to attain and was a first-time homeowner. However, in 2012 she had to come face to face with her truth: she was one of the approximate 11 million young people living in the U.S as Dreamers.She was detained in an immigration detention center for 17 days, lost her career and had to mentally prepare herself for the possibility of leaving a country she called home for the past 23 years. Listen to Episode 21 of Deposit That, to find out how that story ends. Questions I ask:How has that first time we met evolve to today in your opinion? How do you see that relationship that we've built? (02:44)How long did they actually have you detained for? (20:10)What are some tips you can give other people that have restaurants or want to open up restaurants? (31:54)I know you’re doing a “Green Sauce” challenge. Tell us about that. (35:11)What's one thing you want to leave people with, to deposit to their memory bank, that they can implement?In this episode, you will learn:Lizeth’s professional journey. (04:19)Her personal story. (09:42)One of the most frustrating things with the immigration system, for a person that has to deal with it. (15:09)The thoughts that ran through Lizeth’s mind the day she got arrested. (17:00)How she got her first El Gordo. (28:03)Connect with Lizeth:WebsiteInstagram El GordoPersonal Instagram See acast.com/privacy for privacy and opt-out information.

Time is of essence when you need money. It’s like those rainy days when nobody is going to hand you their umbrella if you don’t have one, so you need to be prepared. There are some steps you should follow, in order to improve your credit score, so that when you do need money, the process to obtain it gets easier.On today’s episode, I talk to Paul and Eric from Better Qualified about financial literacy and credit education. We touch on subjects like credit reports, business credits, joint accounts and they also share some tips for high school and college students.Paul Oster, FICO Pro is considered the "Nation's Credit Repairman" - a credit expert who has appeared on numerous network radio and TV shows (FOX BUSINESS NEWS, CBS, ABC, NBC, FOX, PIX11). He has also written for Kiplinger's, WSJ, and The Daily News. Mr. Oster is the founder and President of Better Qualified, LLC. Paul has over 20 years of experience in both the insurance and banking industries and, has dedicated his life as a consumer advocate. Paul is also proud to have served on the Board of Directors for the American Red Cross. His humor and intelligence are highly sought-after from executives in the C-Suite of major corporations. Eric Stuerken graduated the University of Binghamton in 92 - All American sprinter and national soccer team honors. He played football in Germany for a season after graduating. Athletics and entrepreneurship have always run through his veins and his various ventures. Eric is a co-founder of Better Qualified.So, listen to Episode 20 of Deposit That, to learn what are the steps you need to take to ensure you have cash when you need it.Questions I ask:How did you guys get started in the business? What's your story? What's your background? (00:44)They say there's a direct correlation between your financial health and your physical health. Do you believe that at all? (02:33)High school and college kids - what's your top two things you would tell them to begin building their credit from as early as a freshman in high school, all the way up to a senior in college? (20:42)I know one of your biggest businesses is business credits for LLCs. Do you guys want to touch on that? (28:21)What do you guys typically charge to establish somebody's business credit and if they call you guys with the code QB or Deposit That, what discount can you give them? (35:10)In this episode you will learn:The origins of “The Nation’s Credit Repairman” nickname. (07:08)The value that a sports background brings to entrepreneurship. (11:26)Why 90% of the credit reports in America are inaccurate. (14:23)About their credit monitoring program. (16:42)Paul’s and Eric’s Deposit That advice. (38:24)Connect with Paul:LinkedInBetter Qualified websiteConnect with Eric:LinkedIn See acast.com/privacy for privacy and opt-out information.

It feels like the world is moving much faster today than it used to, and people are looking for ways to slow things down a little bit and be more present in their life. We are experiencing a lot of stress and anxiety, and balancing our work and wellness becomes tougher every day.Jonathan tested the calming effects of CBD on himself, and seeing how beneficial it could be to people, he decided to start making beverages that contained CBD.In today’s episode, he explains to us everything there is to know about it, he debunks the myths according to which CBD gets you high, and he shares his super interesting story of how he got to be the market leader in this industry by keeping transparent and having people’s best interest at heart. Jonathan Eppers is the CEO & Founder of VYBES, a wellness beverage crafting organic drinks made with Hemp CBD (Cannabidiol). VYBES has helped pioneer an emerging new category of functional beverages focused on addressing well-being & mind + body function. Prior to VYBES, Jonathan was the CEO & Founder of RadPad, an end-to-end rental marketplace that made finding a place, signing a lease, and paying rent much easier. Jonathan made the switch from tech to CPG after he began using CBD to help with his own anxiety and believed CBD could help a lot more people, if only it was available in beverage form, which led to the origins of VYBES, now one of the category leaders.So, listen to Episode 19 of Deposit That to learn about an alternative to pain medications that could be beneficial for your work-life balance.Questions I ask:Do you think eventually CBD gets into sports more dominantly? And is the recovery actually proven to be that much better? (02:40)Do you believe that CBD actually gives you that brain recovery that you normally wouldn't get on your own until you train yourself to get it? (22:26)How many milligrams should somebody take of CBD per day and how should they split those dosages? (24:54)Do you think eventually humans will be able to be tested and then recommended dosages will be given of CBD? (34:09)Do you see, eventually CBD being covered by insurance? (38:54)In this episode, you will learn:What actually is CBD. (00:34)About Jonathan’s background, before Vybes and how he got acquainted to CBD. (03:34)About the ingredients in their beverages. (32:54)Jonathan’s opinion on whether it’s recommended or prohibited to give toddlers a taste of their beverages. (37:53)Jonathan’s Deposit That advice. (46:21)Connect with Jonathan:WebsiteInstagramFacebookTwitter See acast.com/privacy for privacy and opt-out information.

Interviewing someone is a very intimate thing and requires skills and practice. You have to go meet someone, ask the right questions and feel the energy - and all that, in a short timeframe. You have to find that connection quickly and you want to get the goods.In today’s episode, Jade shares with us her experience as a reporter and how she developed her skills. Throughout the interview, she demonstrates some of her questioning techniques on me, and she also shares some tips on what you should focus on when you meet a person for the first time. Jade Scipioni has always wanted to be a journalist and she is currently a senior reporter at CNBC, but in the past, she has worked at Fox, Bloomberg, CNN, and CBS News. She has interviewed many high profile CEOs, celebrities and politicians. Jade is also passionate about health and wellness and she is always looking to uncover the stories behind the scenes.So, whether you’re a fresh reporter, a new podcaster or an individual curious to discover new ways of getting to know someone, listen to Episode 18 of Deposit That to learn how you can improve your interviewing skills. Questions I ask:How do you recommend getting to know someone? (16:20)Do you think there's a correlation between interviewing somebody for what you do and interviewing somebody either as a friend or as a relationship? Is that the same type of interview? (20:52)Who's your favorite person that you've interviewed on a personal level? (28:17)Where do you develop your questions from? (30:57)What’s your favorite story you've ever covered? (33:00)In this episode, you will learn:Jade’s background story. (00:33)How Jade picks her stories. (21:52)How to interview someone you don’t like. (31:59)The power of social media today. (46:08)Jade’s Deposit That advice. (52:37)Connect with Jade:LinkedInInstagramTwitterFacebook See acast.com/privacy for privacy and opt-out information.

The real estate business requires vision and strategy. These two elements are interconnected and they cannot be separated. The best real estate agents have the vision to transform any house into a dream home for a person and have good strategies to close deals in their client’s favor.Susan is walking into every listing appointment with a level of confidence that she knows what she’s doing. She values the truth and she is always honest with her clients, whether they are buyers or sellers.In today’s episode, I discuss with Susan what it takes to be in the real estate business, why it’s important to step out of your comfort zone in order to accomplish what you want, and she also gives a bit of insight on the pricing in the market that we’re in now. Susan Vanech has profitably invested in real estate in NYC and Fairfield County for twenty plus years. With a passion for re-envisioning real estate, Susan assists property owners and prospective buyers to effectively and efficiently navigate today’s real estate market to maximize opportunity. Susan uses her unique vision to best position every property she represents in front of the widest possible audience, using targeted marketing techniques.So, listen to Episode 17 of Deposit That, to learn the steps you need to do to succeed if you have a goal in the real estate industry.Questions I ask:When you first got into real estate, what do you think your mentality was? (00:51)Do you think your background education has made you successful in real estate, directly? (05:30)How do you personally like to strategize pricing? (27:11)Do you think most people selling their once-perfect dream home, are still so emotionally attached to it and that's why they price it higher than they should, sometimes? (29:00)What would you say are the two biggest challenges of raising kids at the age that they're at, right now? (33:25)In this episode, you will learn:How Susan deals with people that have so much potential, but they are unable to see it in themselves. (03:43)How having a vision and a strategy go hand in hand. (20:37)Susan’s business model. (30:31)How technology will influence the real estate market. (32:51)Susan’s Deposit That advice. (43:24)Connect with Susan:LinkedInFacebookTwitterInstagramCompass Website See acast.com/privacy for privacy and opt-out information.

Back in the days, you could still have the American Dream, have an education and greater opportunities, even though you were born in unlucky circumstances.Now, that doesn’t happen because there are so many blocks, and everything starts with the lack of funding towards education. Today, it’s really challenging to raise a child, even if you are a dual-income earning family.So what needs to be changed?On today’s episode, Teru and I discuss our children’s future. We touch on the biggest problems in schooling in America, we make comparisons between the Japanese and the American schooling system, and we discuss the reasons nowadays, why children are sent to school.Teru Clavel is a comparative education expert and author. She has written columns on education for the Japan Times and the Financial Times, and has made appearances on numerous TV and radio shows, and podcasts. Teru spent a decade raising her family in Asia (Hong Kong, Shanghai, Tokyo) and has a BA in Asian studies and an MS in comparative international education. After two years in Palo Alto, CA, she has recently returned to live in New York with her family.So, listen to Episode 16 of Deposit That, to find out Teru’s views on education after she traveled the world in search of a better schooling system.Questions I ask:Start from the beginning. Who are you? (00:00:34)Tell us about this book you have out. When did it come out? (00:08:22)Do your kids speak multiple languages? (00:09:13)I feel like you want to change the overall curriculum and education experience in America. Is that your number one priority right now? (00:46:06)How do we get parents to actually parent their children? (00:54:21)In this episode, you will learn:The biggest problems today in schooling in America. (00:15:26)How people become teachers in Japan, in comparison to America. (00:20:44)How Teru would implement discipline to the different age groups. (00:41:31)What opportunity zones are and how they influence education. (01:02:15)Teru’s Deposit That advice. (01:06:37)Connect with Teru:Book: World Class: One Mother's Journey Halfway Around the Globe in Search of the Best Education for Her ChildrenLinkedInInstagramFacebookWebsite See acast.com/privacy for privacy and opt-out information.

Art comes in many forms. It can be a therapeutic way of expressing your emotions, your thoughts in a unique way, and it can be inspired by so many aspects of anyone’s life.For Andrew, art means drawing on dictionaries and maps, and his imagination flows from images and videos posted on social media.On today’s episode, he explains his art, and why he felt the need to be original, creative and have his own style.Andrew Chavers Jr. is a self-taught artist. He started drawing since he was nine years and his inspiration back then were cartoon characters. As time went by, he started drawing landscapes and other things that were required in school.Andrew always wanted to stay in his lane and not do other people’s things, so he came up with drawing on maps and dictionaries. He has a full-time job, he is a husband and a father of two children, but he always finds time to take care of his hobby.So, listen to Episode 15 of Deposit That, to find out about a unique style of art and about the man that came up with it.Questions I ask:Tell me about how you got started in this talented field that you've created for yourself. (00:21)Do you remember that pivotal moment where you decided to take it to the next level? (01:34)Do you ever see this becoming a full-time gig for you? (06:07)Where did you come up with this dictionary portrait style highlighting? (06:41)Have you seen anyone else with the same style? (15:14)What's your favorite type of artwork to create? (19:37)How do you pick and choose who you follow on Instagram? (27:36)In this episode, you will learn:Who was the first person that bought Andrew’s work, and what’s the story behind it. (02:52)How Andrew balances his work, personal life, and his drawing hobby. (05:44)Andrew’s advice on how to stay humble when you get successful. (13:04)Andrew’s favorite piece he’s ever done. (26:02)The meaning of “Art is war”, in Andrew’s opinion. (24:59)Andrew’s Deposit That advice. (30:56)The cost of a customized piece of art. (31:49)Connect with Andrew:Instagram See acast.com/privacy for privacy and opt-out information.

One of the most important things in business has always been relationships and people tend to forget how valuable they are.From 2009 to 2012, a lot of appraisal guidelines, rules and requirements were changed to make it harder for lenders and real estate professionals to do business.On today’s episode, I have four guests that share their vast, 40-year experience in the appraisal industry.Andy Lazev is the co-founder of Nationwide Property & Appraisal Services. As the CEO of Nationwide, Andy manages the technical and operations direction of the Company, providing strategic guidance on process and system development and the development of internal quality and compliance standards.Haley Freedman is a second-generation Certified General Appraiser, with 40 years of experience in the industry. Professional education includes numerous appraisal courses taught by the Appraisal Institute and the Society of Real Estate Appraiser. Haley has received several awards from employers and peers over the years and is regarded as a leader by many in the industry.Mike Moore has been in Lending and Lending services for his entire career. Spending his first five years as a loan officer for a top ten retail organization, he then moved to the vendor management department and eventually went on to run operations at multiple Appraisal Management Companies. Joining NPAS in April 2018, Mike has been focused on growing the sales and account management teams by 80% and rolling out new, innovative products to ensure NPAS maintains its position as a leader in the valuation space.So, listen to Episode 14 of Deposit That, an episode filled with valuable pieces of advice from people that know their business inside out.Questions I ask:How do you, personally, as an owner of a company maintain loyalty, where your core people have been there and they're loyal to you and they have your back? (12:49)Do you believe that technology is going to replace a lot of your staff at some point? (16:22)Should somebody who inherits a property or should somebody who is thinking about selling a property get a private appraisal before speaking to a realtor, in your opinion, or is it almost like, "Why do that"? (22:03)Are you looking to take on new clients as well, as far as mortgage companies, banks, and everything? Are you guys actively searching? (32:48)I'm sure since you've been around 40 years, you've been offered bribes, I'm sure many people have called up and said, "Hey, I need this valuation." How do you prevent the desperation from controlling the outcome? (50:58)How much weight do you put on a local expert appraiser or valuationist? (56:27)In your 40 years of experience, what's been the two toughest times for you in the appraisal world? (01:04:41)In both of you, gentlemen's opinion, what's one thing you would leave somebody with after hearing you guys speak or based on your experience in the business? (01:06:44)In this episode, you will learn:The hurdles with compliance in the appraisal industry. (18:38)Andy’s advice for you, to deposit in your memory bank. (37:54)The biggest mistakes that people make, when they’re giving estimate valuations of their property. (42:53)The flaws of Zillow. (44:30)How younger people get trained in the industry and how they learn to do business. (53:01)The biggest hurdle, from an appraisal standpoint, in today’s current economic environment. (58:02)Where the market is headed right now. (01:05:16)Connect with The Nationwide Property & Appraisal Services team:WebsiteAndy Lazev:LinkedInEmail: ala@onestopappraisals.comMike Conte:LinkedInEmail: mconte@onestopappraisals.comMike Moore:LinkedInEmail: mmoore@onestopappraisals.comHaley Freedman:LinkedInEmail: hfreedman@onestopappraisals.com See acast.com/privacy for privacy and opt-out information.

To really succeed in business, you need to understand the rules before you play the game.Jeff thinks that everyone, no matter the field they’re in, should go through that 36-48 months grind, 24/7, sacrificing everything for the end goal, to really get the hang of it.On today’s episode, you are going to find out more about your host, Jeff VanNote, in a funny and engaging conversation about the mortgage business, about work-life balance, about parent-child relationship and so much more!Jeff VanNote has navigated through every cycle of the mortgage industry. Starting during the depths of the financial crash of 2008, he has continuously built his business on relationships and word-of-mouth referrals over the last 10 years. He has made a name for himself in closing what is said to be the most impossible deals in both the residential and commercial lending industries. He has been successful in making the "impossible" possible by giving hope to those who never thought they would be approved for a mortgage the chance to be homeowners.Jeff passionately works towards the happiness of his clients and is diligent and patient in explaining the mortgage process.So don’t miss Episode 13 of Deposit That, to learn why a large network is crucial to your business and how you can widen it in order to make a name for yourself.Questions I ask:What made you get into the residential mortgage business? (00:21)What is the funniest story that you could remember from early on in your career? (10:48)What is your advice to anyone that wants to make a name for themselves in the business at an early age? (13:53)People like to say, "You're the average of your five friends." Do you believe that? (19:31)What do you think are the main problems today, in business? Specifically in mortgage lending and real estate business? (21:07)How did you learn the mortgage business at such an early age? What was your strategy to go out and get business? (39:37)Do you believe that residential mortgage business is a life-long career? (49:23)We all know that you like nicknames. How did you get the nickname "The Closer" and how did that evolve into "The Mortgage Quarterback?" (55:17)In this episode, you will learn:The importance of having an office culture. (15:47)Jeff’s strengths and weaknesses in business. (16:50)Why Jeff refers to some people as being dinosaurs. (32:12)Jeff’s work-life balance then, and now. (36:12)The future of the mortgage business. (41:44)Why Jeff doesn’t believe in business plans and resumes. (52:24)The purpose of Jeff’s book, “The Mortgage Playbook for Millennials”. (01:00:12)Jeff’s advice for you to deposit in your memory bank. (01:11:21)Connect with Jeff:LinkedInFacebookYoutube ChannelMediumThe Mortgage Quarterback websiteCommercial Mortgage NYResources:Book: The Mortgage Playbook for Millennials See acast.com/privacy for privacy and opt-out information.

In the world we live in today, there is immense pressure on women in business, from every direction so their tendency is to think they are not worthy or they are not able to measure up to whatever it is on the social media or on TV. They are not always aware of the advantages they have over men, when it comes to reaching out to people, start a conversation and in the end, make a sell or reach their goals.Laura is a successful woman that has never thought there was a difference between a man and a woman. In her mind, she is doing a job, she’s trying to reach a goal and she is working towards something and the only one that could limit her is herself.On today’s episode, Laura and I talk about how all the women should be more confident in their skills. We also touch upon the mortgage industry and how currently there is a bad culture that needs to be changed and what can be done in that direction.Laura Brandao is the President and the only woman partner of AFR. Armed with two decades of experience, determination, and belief in herself, Laura started AFR Wholesale in 2007 and she had her high heel in the door and never turned back. She started as the Director of Operations, in 2009 she became a partner, she quickly rose to EVP followed by COO and now the President. In April 2018 Laura underwent a transformation when she started to write a book. As she detailed out her story, she realized that most of her success both personally and professionally was due to a “say yes everyday” mindset. So, she started to test the theory and as each day began, she would open her mind and say YES.The biggest thing that Laura has learned is that if you go into every situation with no preconceived notions or expectations you can do ANYTHING.So, listen to Episode 12 of Deposit That, to learn why it’s important to support the younger generation and to show them that it all starts with believing in themselves.Questions I ask:What do you do from a loyalty standpoint as an owner to maintain that loyalty and command the loyalty? (25:40)Did you ever feel like you were used by any of your employees or sales rep? (27:08)Why do you believe, in particular, the mortgage business has attracted so many of the wrong people - the greed, the envy? (32:26)Dinosaurs in the industry. Talk to me about them, their problems, how long you see before they go extinct and their unwillingness to change? (44:23)What's one thing you want listeners to take away from this show? (54:48)In this episode, you will learn:About Laura’s background – how she got into the mortgage business. (00:49)Laura’s advice for women of all age and groups. (05:46)The psychology behind people’s negative reactions. (12:07)The advantages and downfalls of women in business. (13:40)About the culture of family that she has created at work. (23:54)Connect with Laura:LinkedInFacebookAmerican Financial Resources Facebook PageAFR Wholesale Website See acast.com/privacy for privacy and opt-out information.

Have you thought of playing the real estate game? What about buying a home or investing in new developments?If you want to make a better decision for yourself or to know where the next big change is going to be, you really need to understand the economics of the world, the reasons behind every past change, and you have to know your numbers, because real investors know the gameplay.On today’s episode, my guest is Mirza Avdovic, with whom I talk about the new trends in the real estate market of New York.Mirza is an avid sports enthusiast who played football, basketball, and tennis competitively in high school and college. He enjoys channeling his desire to win by understanding his client’s wants and translating them into tangible results. He has helped foreign and domestic clients navigate the complex real estate world of New York City. During this short span of time, Mirza has developed a stellar reputation of building close connections, maintaining close communication and for consistently surpassing his client’s expectations.So, don’t miss Episode 11 of Deposit That, to see what are the most wanted areas in New York for new developments, to learn all about Astoria market, and to get some valuable advice on property from a former REBNY Rookie of the Year.Questions I ask:Tell us about you being young and you getting it in the hottest real estate market probably in the country. (00:42)What advice, right now, based on what you're seeing in the New York City marketplace do you have for developers looking to now acquire new development sites? (05:28)Where you've seen money come in from, right now? (12:23)In real estate, people win and unfortunately, people lose - In your opinion, over the next 12-18 months, who loses? (28:02)What's your theory or what plan would you implement to feel the vacant storefronts? (30:17)In this episode, you will learn:How Mirza is currently analyzing a deal. (07:26)About the Amazon Deal – how it failed and what is Mirza’s opinion on it. (17:34)How the new real estate market laws are going to negatively impact the overall New York City real estate market. (24:23)About the homelessness in New York City and how that can impact the sales of luxury spaces. (31:59)Mirza’s deposit that advice to first-time buyers and developers on why it’s important to understand the economics of the world. (34:28)Connect with Mirza:LinkedIn Facebook PageCompass See acast.com/privacy for privacy and opt-out information.

One of the advantages of working in real estate is that you are not tied to a 9 to 5 schedule - you still work every day but you can make your own schedule. That’s why a lot of people are now turning their heads towards this career path. Plus, passing the realtor exam and getting your license is really easy.But not everything is as good as it sounds. With so many people becoming realtors, the competition is harsh, and you have to differentiate yourself from the others in order to be successful. On today’s episode, Kyra shares with us her journey so far in the real estate industry and she talks about developing a career without learning it in school.Kyra Huxel is a realtor associate at Berkshire Hathaway HomeServices Hudson River Properties. She is super passionate about homes and from a young age, she loved going to open houses with her dad. Kyra officially got into real estate at 21 years old and although she’s only 25 now, she knows her way around properties.One of her biggest qualities is being a very honest realtor – she wouldn’t tell you to purchase something she wouldn’t purchase with her own cash.So, listen to Episode 10 of Deposit That to learn how accumulating experience in multiple areas of work, can benefit your career more than spending years going to college.Questions I ask:Tell us a little bit about how you got into real estate. (01:37)Do you feel like, because the market has shifted a little bit in the rental market, are landlords now starting to pay the broker fees? (15:31)Do you continue to see rent prices come down? (17:20)What do you do with that person that can afford to buy but chooses not to and rents a luxury apartment? (19:40)What's one thing you want to leave the listeners with, that they can deposit that to their brain? (57:18)If someone's ready to give up right now, but they're listening to you, what's the one thing that you want them to know? (57:42)In this episode, you will learn:How Kyra came up with her Instagram name. (00:32)The advantages and disadvantages of renting in one place and buying cheaper somewhere else. (26:06)The trouble with owners that rent their place through Airbnb. (27:37)How Kyra manages to balance work and personal life. (33:16)How career can be impacted by relationships and vice-versa. (39:17)Connect with Kyra:InstagramLinkedInFacebook Page See acast.com/privacy for privacy and opt-out information.

“Regardless of what you're trained for, you can do a lot of different things in life.”This is the motto that Michael Beattie followed his entire life and he indeed changed careers from detailing to the fashion industry and to the hedge funding and hard money space, without letting anyone put any boundaries in his way. In his opinion, every deal is a story and every trade is different.On today’s episode, my guest is Michael Beattie, Partner and Chief Investment Officer at Tradex Realty. He focuses his time on creating portfolios with specific strategy and performance targets. He’s been a successful private investor for over 30 years, managing family fund of hedge funds including long/short equity, derivatives, index hedging and commodity futures.In this episode, Michael and I discuss his evolution throughout his lifetime, his professional experience and his methods of getting things done. He shares valuable advice for young people who want to enter the trading space and also, the business strategies that have worked for him.So, listen to Episode 9 of Deposit That, where we discuss the past, the present and the future of the market.Questions I ask:Talk to us about your evolution from Eastchester to fashion and to Hedge funding. (00:02:36)You are very disciplined and very structured. What do you attribute that discipline to? (00:12:40)What would you say was the defining moment in your career that really took you from being with the masses and put you on that all-star level? (00:15:00)What advice would you have for somebody that wants to get into the hedge funds space? (00:25:53)Have you ever made a decision out of desperation, before in your life, personally or professionally, that you regret? (00:48:03)When you ignore the crowd and you eliminate the noise, what's the one thing you want people to take away? (00:58:51)In this episode you will learn:How Michael managed to pay for his college with his first business. (00:05:25)About Michael’s trading style. (00:22:41)Which were the best trades Michael has ever made. (00:30:43)The reasons why it’s harder for young traders to enter the trading business. (00:31:06)About Michael’s experience in the hard money space. (00:39:09)Michael’s view on real estate and equities for the next 24 months. (00:55:10)Connect with Michael:Tradex Realty websiteLinkedIn See acast.com/privacy for privacy and opt-out information.

Everything starts with passion. With that as a platform, you get to cement what you are going to achieve.We should all be able to go to bed every night, knowing that we’ve done the right thing and we have helped someone change their lives.Everybody needs to make money for living, but this is not a priority.The priority is making sure that people are not taken advantage of.We have to care for people, no matter the business we are in.On today’s episode, I talk with Ban Leow about the new trends and topics in the real estate market and also, what it takes to be competitive in this industry.Ban Leow always had a passion for real estate. He entered the business in 2004, but in 2008 took a break from real estate, and opened his own business in the furniture industry, which was another passion of his. In 2014 Ban got back in the real estate game, and he is now a dominant force in an extremely competitive and ultra diverse market.So, whether you’re a buyer, a seller or an agent, listen to Episode 8 of Deposit That, and learn about the real estate business from someone who's taken over one of the hottest markets in New York City.Questions I ask:What does the market being scary mean to you? (07:33)Do you believe the market is artificially inflated? (13:26)As a professional, how much time, in a respectful manner do you give between returning someone's phone call, text or email? (17:51)At what point do you take full control and stop playing games with people that don't know how to play the game? (19:15)Do you believe an agent should or should not show a property based on their commission split? (26:01)What gets you up every morning? What makes you tick? (34:19)In this episode, you will learn:The records that Ban broke. (05:28)Ban’s strategy as a seller. (10:04)The biggest topics in the real estate market right now. (19:51)Gentrification in the real estate business. (28:38)One thing to take away from Ban’s life experience. (37:06)Connect with Ban:Email: bleow@halstead.comPhone Number: (718) 613-2039 See acast.com/privacy for privacy and opt-out information.

Hey, can I pick your brain? Just about every attorney hears this phrase over and over again. Actually, roughly 70% of an attorney’s work ends up being pro bono, with 30% being profitable work. For Jeana Pinto, she doesn’t mind this so much when she’s spending time in her community. Giving out legal advice, for her, plays a significant role in connecting with others and cultivating long-term relationships. After all, in this business, building real relationships with people is absolutely crucial. On today’s episode, I’m here with my friend Jeana Pinto. She’s a New York Real Estate Lawyer. She’s been practicing real estate for 12 years and has a real passion for it. Her job exposes her to learn about people, communities, and life in general. She’s worked as a broker, owner, investor, purchaser, and seller, in order to learn all aspects of real estate and to understand the emotions that come into play on all sides. In this episode, Jeana and I discuss how she became a lawyer, and all about her experience as a woman in what is currently a male-dominated industry. She shares thoughtful advice for women coming into the workplace right out of college, practical tips for first-time homebuyers, and some insight into what a day in the life of a real estate lawyer looks like. So listen to episode 7 of Deposit That, where we discuss all aspects of the legalities of real estate, and what the life of a real estate lawyer looks like. Questions I ask: How did you become an attorney? (0:44)Did you ever feel that you were at a disadvantage? (2:58)What advice do you have for women who feel like they can’t compete? (5:09)How important is it to have actual relationships in this business? (15:27)What’s your advice for first-time homebuyers? (27:32)What’s your advice for young women that want to become an attorney? (35:30)In this episode, you will learn: How Jeana gains respect in her job. (3:48)Why it’s important to pick your battles at work. (9:58)How Jeana deals with clients’ unrealistic expectations in this day and age. (18:34)What 3 things first-time homebuyers need upfront to be successful. (27:50)How to quiet the noise that overwhelms first-time homebuyers. (31:59)How Jeana balances her work and life. (39:36)Connect with Jeana: Jeana Pinto, Esq. See acast.com/privacy for privacy and opt-out information.

Failure is not the end, it is a stepping stone to success.It is just one way of not doing things, or one way that things don't work.You've got to continue to strive for greatness, you've got to continue to knock on doors, and to try to be the best you can be.But you have to be prepared because when the opportunity comes,If you're not ready for it, then you'll never be successful.On today’s episode, my guest is one of my best friends, Jason Caldwell, a guy who kept going on the right path even though all odds were against him.Jason Caldwell is currently an Associate at Goldman Sachs. His life was rough from the very beginning, having grown without a father, in Baltimore, and seeing his two brothers getting killed by gangs, but fear got him out of that toxic environment. A football scholarship got him into college, and through hard work and commitment, he managed his way into the NFL. After college, he chose to give up a football career, to join the wolves of Wall Street.Jason’s belief is that if you can see it, then you can be it; if you can touch it, then you can become it.So, listen to Episode 6 of Deposit That, to learn that you should never be discouraged by your current situation and that opportunities are always ahead, if you want to see them.Questions I ask:How did you learn choosing the right path, without having a father figure in your life? (00:06:51)How do you balance being ultra-patient and waiting for your time versus going out there by nature and just taking what you want and competing? (00:38:30)What was it like the day you realized that you had a legitimate career opportunity at Goldman Sachs? (00:40:32)What do you do with a person that is so closed-minded in any topic? (01:00:24)What's one thing that you would like to see people implement into their daily life routine agenda? (01:03:24)In this episode, you will learn:The story of Jason’s childhood. (00:03:23)How being told he couldn’t play sports or walk correctly, motivated Jason to succeed. (00:19:26)The reason Jason chose Wall Street. (00:33:40)Jason’s advice to kids who grew up the way he did. (00:42:57)One of the things that changed Jason’s direction to where he is now. (00:47:33)Connect with Jason:LinkedIn See acast.com/privacy for privacy and opt-out information.

When you work for somebody as in 9 to 5, you're helping the owner,You're not changing anyone's lives except that person.In real estate, I always say I'm here to change a life.I'm not just here to help you make money because you're not just making money.It's just so much more to it.We need to make sure you could buy a property the right way, without hurting yourself.On today’s episode, I'm here with a good friend of mine, Amal. We met on social media over 10 years ago, when she reached out to me on LinkedIn, since that was the only real social media for business at the time.Amal is a mother, a wife and she is very successful in the real estate business. She loves food and she actually has a culinary degree. She went from working in restaurants to being a personal chef, to working at Eleni’s as a purchasing manager. She didn’t like working a 9 to 5 job for someone else, so she decided that the real estate domain was a better choice for her.Amal says that she doesn’t put in the time to do 24/7 real estate, she puts in the time as much as she wants, to be efficient and to make as much money as she feels she needs.So listen to Episode 5 of Deposit That, where we talk about the real estate world, and we give you some of our best life advice.Questions I ask:What made you go on LinkedIn and what made you reach out to me? (01:20)What made you support your husband's business? (03:12)Talk to me about work-life balance. (20:46)Would you say real estate provides you that real full flexibility to be everything else on top of that? (22:45)What advice do you have for any teen-year-old female in regards to relationships, career and work-life balance? (27:26)What is one thing that a person can take away from all your knowledge and experience to take it to the memory bank and deposit that? (48:22)In this episode, you will learn:Amal’s first investment. (09:52)One of her not so favorite deals. (15:00)Why she stopped working in the culinary world. (33:43)Amal’s advice for 30-year-old women. (35:46)People’s holdback on selling the property and becoming instant millionaires. (40:43) See acast.com/privacy for privacy and opt-out information.

True entrepreneurs will do whatever job it takes to get the job done or get paid.The ultimate vision is to grow your own company one day,But you have to start from the bottom, you have to know all the processes.Starting from the bottom and learning the business from the ground up is the best wayBecause then you learn all the angles and nobody can really fool you.On today’s episode, we’re dipping our toes in the real estate business. Alex and I talk about the struggles and the benefits of investing in properties and also, what it takes to be a successful entrepreneur in this field of work.Alex Wright has the true spirit of entrepreneurs, and he knew it ever since he was a child. When he was 12 years old he started working whatever job he could get his hands on, and by the time he was 17 he had saved a good amount of money. At the age of 19, he bought his first property, in Allentown, Pennsylvania, with $50,000 cash. Left with no money in the bank, it took three years for him to renovate it, but he says it was worth every penny. He believes that wherever there’s chaos, there’s always opportunity.Alex advises us to look at our options and make the best decision based on our circumstances, but always strive for the better and always look for the best route possible.So listen to Episode 4 of Deposit That, to take away some real estate tips from an entrepreneur who literally started from zero, all the way up to the successful man he is today.Questions I ask:What were the negative thoughts that went through your head while you were sleeping on the floor and knowing that you had a 30-month project ahead of you? (06:17)As an investor, how do you analyse a deal? (13:43)Have you ever passed on a deal that you regret? (15:28)How do you find time for your own personal self? (20:37)How do you define vision based on execution and facts versus dreaming? (26:35)How do you know when to give a tenant certain breaks or certain credits or certain, "Hey, live for free"? (31:57)Did you think at age 20 you would be where you are today, at age 30? (35:22)In this episode, you will learn:How hard money loan could work in your benefit. (11:17)Alex’s opinion on changing careers at 40 or 50 years old. (33:02)Why „buy and hold strategy” is better than „fix and flip”, in Alex’s opinion. (33:51)One thing you could take away from Alex’s 30 years of experience. (37:55)The best choice between hiring a professional and making the repairs by yourself. (40:20)Connect with Alex:Instagram See acast.com/privacy for privacy and opt-out information.

To be a true entrepreneur, you really have to look to grow your business,And make it not only just as a way for you to live and survive financially.This isn't something that everybody can do.You can be passionate about what you're passionate about,But you also have to have a business mind behind it, too.And if you can bring in somebody who's like-minded, aligned with your goals, your visions and brings in resources that you might not have access to, there's always value in that.For today’s episode, I met with two cool guys, who courageously started a business, going all in. We focused on two main topics: cryotherapy - what it does to your body and who is it for – and entrepreneurship – what it really means and what it takes to be one.Danny Pozo & Jeff Esquillo are business associates, service providers and owners of Cryo Central Cryotherapy. They first opened in 2015, in a time when cryotherapy wasn’t that popular, and managed to grow, now being present in three locations. They’re also offering people the opportunity to franchise their own Cryo Central.They say that choosing a business partner is just as important as choosing a life partner that you get married to.So listen to Episode 3 of Deposit That to get meaningful answers from two successful entrepreneurs and learn everything about cryotherapy.Questions I ask:What is cryotherapy? (00:50)Who needs to come to cryotherapy? (02:30)Where do you see the industry headed? (06:00)What are the top three things that you believe cryotherapy helps with? (10:35)What is T-shock and who is it for? (14:45)Can you turn an employee into an entrepreneur? (40:20)In this episode, you will learn:The history of Cryo Central; (01:20)The benefits of cryotherapy; (06:45)How cryotherapy works; (08:46)Three internal factors that an individual has to have in order to be an entrepreneur; (37:45)How to choose the right partner for your business. (44:15)Connect with Jeff and Danny:WebsiteInstagramFacebookYelpEmail: Hoboken@CryoCentral.comEmail (if you want to franchise Cryo Central): franchise@CryoCentral.com See acast.com/privacy for privacy and opt-out information.

Opportunity Zones are relatively new.Legislation has been around since Dec. 22nd, 2017,But only recently it has become clear as to the direction and the reason behind it.The Governors of each State had up to 25% of their State to designate as opportunity zones.Although most of them are not real estate/business people,If they were to listen to their communities,They could understand which ones need it the most and which other communities just need that additional spark.On today’s episode, we’re off to see the “Wizard of OZ”. Josh shares with us his knowledge about the opportunity zones and the concerns people have regarding them.Josh Burrell is Managing Partner at Activated Capital. He received his education from Harvard University, with a core focus in real estate. Beginning his career at Moody’s Investor Services, Josh honed his analytical ability to pinpoint undervalued assets and went on to work in London, Paris, Hong Kong, and Singapore offices. He had worked as a Senior Analyst at Colonial Consulting, where he evaluated and underwrote investment transactions and focused his time designated to socially responsible investment (SRI) opportunities, formulating investment decisions and tactical asset allocation strategies for endowment and foundations. Before holding the current position, he was the Director of Investments for Midas Capital, a private-equity real estate firm with a primary focus in hospitality assets located in the mid-west and southeast regions of the United States.So, listen to this Bonus Episode of Deposit That, to find out what the legislation says about opportunity zones and who can benefit from them.Questions I ask:What is the legal definition of an opportunity zone? (03:36)Are people coming to you, saying, "Hey, you're the expert, we have $60 million. What do we do with it?" (10:54)Are you getting any type of negative feedback from people? (13:00)Do you feel like you, guys, are actually setting the bar for the rest of the opportunity zones players? (14:12)What's one thing you want to leave the listeners with, from your 30 years of experience? (36:25)In this episode, you will learn:What an opportunity zone is. (01:01)Josh’s background and experience. (05:33)One of Josh’s big goals, with his company. (14:47)Who is now playing at the opportunity zones investing table. (23:28)The minimum investment required for his fund. (24:46)Connect with Josh:Josh’s LinkedInOther resources:WebsiteLinkedIn – Activated Capital See acast.com/privacy for privacy and opt-out information.

Each individual is different.Even though they may look exactly the same, they have totally different needs.There are two basic foundations for a healthier life: diet and exercise.Basically, it’s calories in – calories out.If you’re eating right, your body processes food directlyAnd you just have to add a little exercise to get the blood flowing.On today’s episode, I cover a lot of topics with my friend Ezron Bryson. We talk about his NFL experience as an athletic trainer, he shares his knowledge on a healthier lifestyle, and we discuss racism and gender equality in the sports world.Ezron is currently an athletic trainer with the New York Jets football team. He is also a certified strength and conditioning specialist and corrective exercise specialist. He has worked with many professional, collegiate and high school athletes in many types of sports, including Football and Basketball. He has experience and formal training in sports management and has analyzed business organizations in terms of structure, strategy, market, and finance.He says that a balanced life starts with a great partner.So listen to Episode 1 of Deposit That, to find out how we, as regular persons and not sports professionals, can live a better and healthier life.Questions I ask:At what point do you say, "No, you're not good." versus "Okay, you seem to be good, get back out there."? (00:24:18)What's your theory on reflexology? (00:33:30)How do you live a healthy lifestyle and afford it? (00:47:30)Do you think women are being protected by not being put into men's locker rooms? (00:52:33)What has been your experience, in the NFL in particular, dealing with racism? (00:55:43)In this episode, you will learn:How something as simple as your big toe’s lack of mobility, can affect your entire performance. (00:31:38)A simple routine people could follow in order to have a healthier life. (00:35:36)Ezron’s opinion on the Ketogenic diet. (00:40:54)Eating healthier and working out less, vs eating bad food and working out more. (00:51:23)Ezron’s tips on work-life balance. (01:01:25)Connect with Ezron:LinkedInFacebook See acast.com/privacy for privacy and opt-out information.