Mission Forge

AI has been with us in many ways for a while.  If you are a google user you have experienced life with AI.  In fact most of the larger companies have tapped AI on some level.  Many using chat bots to field consumer calls.  Those experiences have mixed results, don't they.  I find sometimes they are extremely easy and beneficial, yet other times I just wish I could get that helpful human on the line.  I interview Chat GPT with questions that are simple to complex.  Then I grade each answer.   Depending on how you look at it, Chat earned a C or a B/B-.   I think it is important to learn ways to use this emerging tool in our lives and business, but accept that we must always place our unique skill and value as the primary element of our service platform.What are three things I should consider to live a healthy life? As an AI language model, I can suggest you three things to consider for a healthy life: Balanced Diet: A balanced diet is one of the most important factors in maintaining good health. A diet rich in fruits, vegetables, whole grains, lean proteins, and healthy fats can provide the necessary nutrients for optimal health. Regular Exercise: Regular physical activity can help you maintain a healthy weight, reduce the risk of chronic diseases, and improve your mood and overall well-being. Aim for at least 150 minutes of moderate-intensity exercise or 75 minutes of vigorous-intensity exercise per week. Good Sleep: Getting adequate sleep is essential for good health. Lack of sleep can lead to fatigue, decreased immune function, and an increased risk of chronic diseases. Aim for 7-8 hours of sleep per night, and try to establish a regular sleep routine to help promote better sleep. What do kids like to eat for dinner in the United States? The food preferences of children in the United States can vary widely depending on their family background, cultural traditions, and individual tastes. However, some common dinner options that many children in the US enjoy include: Pizza: Pizza is a popular food among kids in the US, and it's available in many different styles and flavors. Macaroni and Cheese: This classic comfort food is a favorite of many children, with its creamy cheese sauce and tender pasta. Chicken Nuggets: These bite-sized pieces of breaded and fried chicken are a popular choice for kids, often served with a side of fries or vegetables. Tacos: Tacos are another favorite among many kids, with their customizable toppings and fun finger food format. Spaghetti and Meatballs: This classic Italian dish is another popular option, with its flavorful tomato sauce and tender meatballs. It's important to note that while these foods can be part of a healthy and balanced diet when consumed in moderation, it's also important to offer children a variety of foods and encourage them to try new things to develop a well-rounded palate.Which fast food restaurant has the best french fries? As an AI language model, I cannot have personal preferences, but I can provide some insights on which fast-food chains are popular for their french fries in the United States.Different people have different tastes and preferences, so there is no definitive answer to which fast food restaurant has the best french fries. However, some popular fast-food chains known for their fries include: McDonald's: McDonald's is one of the most well-known fast-food chains in the world, and their french fries are a staple menu item. They're crispy on the outside and soft on the inside, and many people love their unique flavor. Five Guys: Five Guys is a popular burger chain that's known for its fresh ingredients and customizable menu. Their fries are hand-cut and cooked in peanut oil, giving them a unique taste and texture. In-N-Out Burger: This West Coast burger chain is famous for its "Animal Style" fries, which are topped with cheese, grilled onions, and their signature sauce. Shake Shack: Shake Shack is a burger chain that originated in New York City and has since expanded to other parts of the US. Their crinkle-cut fries are crispy and flavorful, and many people enjoy dipping them in their signature cheese sauce. Chick-fil-A: While Chick-fil-A is primarily known for its chicken sandwiches, their waffle-cut fries are also a popular menu item. They're seasoned with a blend of spices and have a crispy texture. Again, it's important to note that fast food should be consumed in moderation as part of a balanced diet, and healthier alternatives such as baked or roasted potatoes can be a good option to consider as well.What are five tips for preparing your home for sale? As an AI language model, I can provide you with five tips for preparing your home for sale:What are 5 home maintenance projects I can do myself As an AI language model, I can provide you with five home maintenance projects that you can do yourself: Changing Air Filters: Dirty air filters can affect your indoor air quality and the efficiency of your HVAC system. You can change your air filters yourself, typically every 1-3 months, depending on usage. Cleaning Gutters: Clogged gutters can lead to water damage and other problems. You can clean your gutters by removing debris by hand or using a gutter scoop or a high-pressure water hose. Caulking and Sealing: Caulking and sealing around windows, doors, and other openings can help reduce energy costs and prevent drafts. You can purchase caulking and sealant at your local hardware store and apply it yourself. Painting: Painting is a simple way to give your home a fresh, updated look. You can paint walls, trim, doors, and other surfaces yourself with the proper tools and techniques. Unclogging Drains: A clogged drain can be a frustrating and messy problem. You can use a plunger or a drain snake to remove clogs in your sink, shower, or bathtub drain. For tougher clogs, you can use a mixture of baking soda and vinegar followed by hot water to break down the blockage. It's important to note that some maintenance projects may require professional assistance, especially those involving electrical or plumbing systems.How can using AI help me with my real estate business?AI can provide several benefits to the real estate industry. Here are some ways that AI can help with your real estate business: Predictive Analytics: AI can analyze data on real estate trends, such as pricing and property features, to provide predictions and insights on future market trends. This information can help you make informed decisions about buying, selling, and investing in real estate. Chatbots and Virtual Assistants: AI-powered chatbots and virtual assistants can handle customer inquiries and support requests 24/7, freeing up your time to focus on more complex tasks. They can also provide personalized recommendations and guidance to potential clients based on their preferences and needs. Automated Property Valuation: AI-powered algorithms can analyze data on property features, location, and market trends to provide accurate property valuations. This information can help you determine the fair market value of a property and make informed pricing decisions. Property Management: AI can help streamline property management tasks, such as maintenance requests and rent collection. AI-powered systems can automatically prioritize and assign maintenance requests, and collect rent payments through online portals. Image and Text Analysis: AI-powered image and text analysis can help you quickly identify key features and amenities of a property and categorize them. This can save you time when searching for properties that match specific criteria and improve the accuracy of your property listings. Overall, AI can help you automate time-consuming tasks, make informed decisions, and improve the customer experience, ultimately leading to greater efficiency and profitability for your real estate business.

Good to get these kinks ironed out if you have not made a foreclosure offer before or in a decade some things may have changed or need refreshing.Also in a low inventory market you owe it to all of your buyers to know every available listing on the market, such as FSBO, HUD/FHA VAWhile I am not anticipating a serious foreclosure boom, there will always be some and since there have been so few, the only way to go is up.The main reason there will not be a huge foreclosure boom is that there is so much equity in homes, that most can allow a traditional sale.Foreclosures are a solid way to have a predictable outcome for a hearty buyer with a mild appetite for risk.Most have been preinspected and items have been fixed or will be disclosed.Keep in mind most asset managers will usually onely fix a home to the minimal lender requirements.  While a buyer can inspect, the findings will not matter to the seller unless the appraiser calls a specific item into question https://vrmproperties.com/ Do not need to link to your brokerage account.Do need to work with the listing agent.VA foreclosures are in the MLS.VA foreclosures website has coming soon properties, many MLS systems do not.You will make the offer directly on the VRM website. Here are some best practices for you to keep in mind when submitting your offer using our platform : Ensure that you are licensed in the state that you are making an offer for. Offers are only accepted by VRMProperties.com if you are an agent licensed in the state for which the offer is being made. Provide your full Agent and Broker licenses when submitting an offer. If this is missing, this will delay your offer from being properly submitted and your offer will not be reviewed. Provide complete and accurate information such as Full buyer names, e-mails, etc. If any information is missing or partially provided, this will delay the offer process and your offer will not be reviewed.  Contact the Listing Agent if you have any offer related questions. They have access to VRM's offer management system and can provide you the current status of your submitted offer. Contact VRMProperties.com at our contact form if you have any technical related questions or issues with your offer or the website. If your offer is accepted, you will find your offer in your Offer Dashboard under the "ACCEPTED" filter and your offer status will be "Under Contract". Once the sale has completed, it will say "SOLD". If the offer is declined, you will find your offer in your Offer Dashboard under the "ARCHIVED" filter.  https://www.hudhomestore.gov/Home/Index.aspx FHA foreclosures ru through the HUD homestore. This website is very archaic.  It may be the least user friendly website out there with a consumer interface.  Things to know.You must be registered.Your brokerage must be registered and have a NAID which you need to link to once you have registered.Search bid results is a great functionYou can see if a property has an offer, the net amount to go to HUD, and the broker name representing the buyer.Extended vs. Exclusive.   Owner Occs, non profits, then all bidders (investors)Once your bid is accepted you will need to expedite paper contracts to HUD.  You have roughly 48 hours to get them in overnight mail.  The signatures need to be ink, not digital.You really have to be prepared for this, but your preparation can make you a star with your client.

The following is directly from the Virginia Realtors' Advocacy page and is linked below.  The information about payment due at order was gained from a group conversation with legislators and is not able to be documented at this time.  It is suggested that the ordering and payment be performed directly by the seller.  Agents may wish to start taking a facilitators role in assisting owners to perform this, rather than taking the burden upon themselves to order and pay for the documents.https://virginiarealtors.org/advocacy/legislativeagenda/https://virginiarealtors.org/advocacy/legislativeagenda/Resale Disclosure ActHB 2235 – Delegate Will WamplerSB 1222 – Senator Monty MasonThis bill seeks to create one place within Common Interest Community law to find all information on resale disclosures that are required when a property located within a common interest community is sold. The bill takes current disclosure language out of the POA, Condo, and Cooperative Acts and consolidates it within a new chapter entitled the Resale Disclosure Act. The Act uses one term, “the resale certificate” for the packet of information that are required to go from the Association to a buyer when a property located within a CIC is sold. The Act also sets forth the requirements for contract disclosures, formatting and contents of the resale certificate, applicable fees, termination rights, and liability. The purpose of this change is to consolidate information that was spread over three different chapters in the code and often included different requirements, terms, and definitions. This change also seeks to clarify code language and update obligations to current day. Some substantive changes include the contents and format of the resale certificate, the process of calculating fees, and when the fees are paid.If you have questions or thoughts about the 2023 Virginia REALTORS® agenda or other Government Relations efforts, please contact us at advocacy@virginiarealtors.org.

Affordable housing 2/15/23 Major issue with affordability is highly complex.  Not hard to understand really, just has 1000 moving parts.As it has many causes it is likely to have many solutions.Possible approaches to poke the bear of affordable housing shortages are:a)1st is education and understanding the playing field and the breadth of the problem in your area.Lean into your local REALTOR association for data. Associations are replete with resources, knowledge, and experts.  Also they love to help solve problems for the greater good of the community.  NAR is well known to be ready with grants for housing studies which produce extremely valuable information for this and other considerationsb)Local and municipal regulations or incentives to Attract—actively seek cooperation from builders and developers and land owners Incentivize—by adding language to goals and comp plans, local supervisors can begin to discuss offering incentives to developers, remodelers, investors if they agree to other defined terms that are affordable housing friendly. regulate new construction in a way that is affordable housing friendly.  New HOAs could be asked to allow certain percentages of rental units, perhaps higher than originally intendedDefinition—affordable housing friendly could mean a lot of different things ranging from density of lot sizes, connectivity, home size.   Remember that affordability is not just for sale and often affordability of homes can be found or lacking in the rental market.   c)States can also step in and legislate from any number of directions.  California has a state code recently passed that will set a floor on the percentage of rental units.  Some HOAs might not allow rentals or have stipulations that 10% of units are able to be rented.  The CA law increases that to 25% Civil Code Section 4741https://www.condocontrol.com/blog/new-rules-about-rental-restrictions-in-california/ d)There are federal measures that could be taken as well regarding loans in communities which have ‘too many units' rented as a percentage of all of the units.e)But lastly, if you really want to impact the availability of rentals and create a stabilizing pressure or downward pressure on rents, then you should learn your own association and what it's stance is on the number of rental units.  You could become involved and suggest the owners have more rights to rent their property as is currently in the regulations and that by giving owners more flexibility, they are helping solve a major crisis of the lack of affordable housing. One steps that Virginia is taking to combat some of the problems associated with fear of rental units, specifically short term rental units, is to propose legislation that units managed by a professional licensed REALTOR be exempt from certain restrictions, which are delineated.  The reasons they are able to relax the rules for the professionally managed units is that they tend to produce fewer problems many associate with absentee landlordism, and also when a problem does arise, the professional REALTOR anager is easier to contact and more available to address the issues.

Here is a guideline summary from the business department of James City County.1. Application for Business, Professional and Occupational License: All businesses must complete and return by mail or in person - no faxed, scanned, or emailed applications accepted. Original ink signature only.2. Fictitious Name (also called Trade Name, Assumed Name, or DBA): If you are doing business under a name other than your full name or the name of the corporation, LLC, PLC, or PLLC, you must register it as a fictitious name with the Virginia State Corporation Commission. After registering it there, provide a copy of it to this office with your business license application package. Visit https://scc.virginia.gov/clk/befaq/fict.aspx or call (804) 371-9733 for more information. We cannot register it for you.3. Application for Home Occupation: Every business without a fixed commercial or professional location must complete and return this form with the business license application package. Do not include payment if you are submitting this form.4. SCC Registration: If you are operating a corporation, LLC, or similar entity in Virginia, it must be registered with the Virginia State Corporation Commission (804-371-9733). Enclose a copy of your SCC registration with your business license application package.5. Prepared Food and Beverage Tax Registration: All restaurants, stores, caterers, mobile food units, and any other vender of prepared food and beverage must complete and return this form with the business license application package.6. Transient Occupancy Tax Registration: All hotels, motels, campgrounds, vacation homes, and any other business providing short-term lodging must complete and return this form with the business license application package.7. Contractors: see “Contractor's Business License Application Checklist” for guidelines specific to Virginia Class A, B or C contractors.8. Handyman: See “Handyman's Business License Application Checklist.”9. Estimated Gross Receipts: Provide a reasonable estimate for the current calendar year. If after November 30, provide estimated gross receipts for the next calendar year. Estimate should be as close to actual as possible. Unreasonably low estimates are subject to correction plus 10% penalty.10. Food Trucks and Trailers: See “Business License Application Instructions for Mobile Food Unit Vendors.”11. Sole Proprietors and Partners: Must apply in person and present government-issued identification (driver's license, passport, military ID, etc.).12. Partnerships: All members of a partnership must appear in person at 101-B Mounts Bay Rd., and provide proof of identity to apply for a business license. All partnerships must provide a copy of their IRS Federal ID Number (FEIN) registration letter. Members must notify this office immediately of any changes in membership status.13. Payment: You will be billed based on your estimated gross receipts and occupational category; see “Business Taxes and Fees” webpage for details.14. Nonrefundable Minimum Fee: All business license applications are subject to minimum, nonrefundable $30 or $50 fee.

As Reported RIS MEDIA in the January 2023 edition from the NAR Power Broker Roundtable.Moderator Is Kymber Lovett-Menkiti, President ot Keller Williams Capital Properties in Washington DC.After a discussion about the impact of rising interest rates on the housing market. Is it a respite, a worry signal, simply cyclical?  She querried 4 power brokers about how they are supporting their agents in this changing environment.Christian Barnes, President/CEO of Better Homes and Gardens Real Estate in Kansas City--   Shortened, This is not 2008, all real estate is local.  Get past the headlines.  Inventory is tight and still leading to multiple offers.  Things are normalizing a little allowing for some negotiationHoward Hoby Hanna President of HH--There is no gloom and doom in todays market, regardless of Headlines. Inventory is still low and buyer demand is still strong.  Plenty of Business to be had. Control the message, work on the basics, and set serious goals.Nancy Robinson VP of Christies International Real Estate In California--It is a transactional market and agents need to focus on local data. We encourage agents to embrace their social platforms and lean into their sphere.Mike Burns Broker/owner of RE/MAX Professionals in Littleton CO--His market is still very robust. Buyers are looking for value and finding it more.  Seller are becoming more realistic. Overall, average sales price has remained Stable.KLM: My mindset as a leader is framing the message that there are plenty of home sales happening now.  Here is how you get your fair share.MB: Agents are still in shock about the rapid change Education is the key to get past that. How do you price approriately. What are alternatives to typical financing? How can you connect in meaningful ways?NR: Work where you play--engage and connect. Be visable. Back to basics with a spin. Supply agents with current leading economic data and short video resources.CB: This is not a passive market.  Encourage agents to find new ways to stay in touch. Make more phone calls.  Knock on doors and do pop bys or to say hello.  Host a contest you can promote on Social Media. Be a local market expert.HH: we always focus on fundamentals and provide powerful tools to support agents to be the local experts. Rate reduction strategies and other guaruntees are powerful incentives.

Bold Prediction notes brought to us by Atlantic Bay MortgageDr. Yun, Chief Economist from National Association of Realtors.Stats Pending home sales coming down due to higher interest rates.  Often there will be a burst of pent up demand pendings will stabilize.Interest rates connection to the 10-yr. treasury yields.  30 year fixed rate hit a 20 yr. high.  Buyer confidence is there but they cannot afford what they want. Too much money in the system.The two are connected as they move together as the government pays a certThe spread between the two should be 2% but now is much larger, only seen two other times.  It should erase and turn back to normal in the short term.  Rates should drop into the 5% range.Past the 7% peak, Fed activity is already baked in to bond and equity market.Advice for Realtors in 2023 Dr. Yun says housing is cyclical.  Prepare for up and down, set some aside.  Look to stabilize in 2023.Buffini's take on the dataFewer transactions, not catastrophically fewer.  25% fewer in Canada  (2/3 of millennials will buy a home in the next 2-3 years).  Rents are crushing people and will continue to rise. Since they are rising higher than the price of a house, this will push renters into the buyer marketMore Contract cancellations, 63000 contracts failed in July 2022, August blew up in 64000 august, 60000 in September, 60000 in October.  Many due to the competency of the agents in the transaction.  Practices have gotten sloppy. Skills are rusty.  1 in 5 transactions are blowing up, largely due to sloppy agents.Fewer agents in the business,  turkey can fly in a hurricane, 200,000 will drop out by the end of the year.  Brought to us by Movement MortgageBarry Habib  2023 Market predictionsHousing related to rates, does this mean a housing bubble.  Inflation is the key driver, not fed increases/decreases.Quantitative easing also impacted rates, but that is over.  Once that stopped AND inflation increased rates went up.Inflation outlook.  Too may $ chasing too few good.  90% of extra dollars is on credit, so the fed slow that down with rate hikes.  This slows demand.Savings are increasing, inventories of goods are increasing, at high level than before.  This will mean sales to come.  Too much inventory will help lower inflation.The CPI or consumer price index has two measures, the core rate and the consumer rate.  The core rate is 6% year over year.  Made up of 12 months of readings. The new lower readings replace the older readings from 12 months ago.  The expectation is that the lower readings in the next few months will keep inflation coming down.  39% of the core rate is housing. Shelter is a lagging indicator, but the lower housing figures will play out in the late winter and early spring.Short term and mod term the trend for rates is lower.Importance of the 10 year treasury note.The high spike was a bet on them coming down fast and hard.  The spread increased betting on refis.  Fascinating.Prediction is that around the corner in the 1st half the 10 year treasury will get nearer to 3% and the premium of the spread will vanish and rates will hit 5%.  Then the flood gates will open on the pent up demand.

Take risks more than you think you shouldConfront others less then you think you shouldStand up for your self as in advocateListen to all feedback and consider what others are telling you. positive/negative or otherwiseif/when you listen you will be told and be among the few.my best life has come from my family. Manners are powerful.I don't think there is an exclusivity to a spiritual experience. and that leads me to think that all spiritual experiences are intertwined.After a certain age every man is responsible for his face. Albert Camus   nice balance of personal responsibility and capability

By Aditi Sangal, Adrienne Vogt, Maureen Chowdhury and Elise Hammond, CNNUpdated 10:06 p.m. ET, January 5, 2023  The House has adjourned until noon Friday after Rep. Kevin McCarthy suffered a stinging 11th defeat in the race for House speaker.  After three days of voting, this is now the longest speaker contest in 164 years.  McCarthy has continued to negotiate with a group of hardline Republicans who've derailed his bid, proposing key concessions in his push to get more votes. About this process: A nominee needs 218 votes, but the number required could change if members withhold their votes. The House can't kick off the new Congress or swear in new members until a speaker is elected. Opposition: Twenty Republican lawmakers, despite continued talks and concessions, have so far declined to support McCarthy. Republicans again nominated Rep. Byron Donalds for four of five of Thursday's voting rounds. After getting a few votes on the eighth ballot, Rep. Kevin Hern was also officially nominated for the ninth, 10th and 11th rounds of voting. Notably, Rep. Matt Gaetz voted for former President Donald Trump during the seventh and eighth ballots, and he nominated the former president for speaker in the 11th ballot. Trump only received one vote in that round.·  “Motion to vacate”: In a series of new concessions first reported by CNN Wednesday night, McCarthy agreed to propose a rules change that would allow just one member to call for a vote to oust a sitting speaker, sources say. McCarthy had initially proposed a five-member threshold, down from current conference rules that require half of the GOP to call for such a vote. ·  Other concessions: McCarthy also agreed to allow for more members of the Freedom Caucus to serve on the powerful House Rules Committee. While McCarthy's allies are willing to swallow most of the deals, they are drawing a line in the sand over one issue: committee gavels for the holdouts. Later, in a meeting with moderates, McCarthy downplayed the concessions he's made so far.A historic floor fight: This is the longest speakership bid in more than 160 years. It took nine ballots for Rep. Frederick Gillett of Massachusetts to be elected speaker in 1923. And in 1849, the House had been in session so long without being able to elect a speaker – 19 days – that members voted to elect their speaker with a plurality rather than a majority. Members ultimately confirmed the plurality election with a majority vote. NYT  Jan. 5, 2023Updated 11:09 p.m. ETKevin McCarthy's speakership bid failed for an 11th time, after his latest concessions failed to win over enough Republican hard-liners. The chamber has been deadlocked for three days and cannot move on to any other business until a speaker is chosen. Lawmakers will return at noon Friday.11th Speaker Vote Tally » |   | Total | Dem. | Rep. |  |   |   |   |   | Needed to win |   |   |   |   |   |   |   |   |   |   |   |   |   |   |  |   |   |   |   |   |   |   |   |   |  Note: To win, a member must receive the majority of votes cast for a person, not counting “present” votes. The Constitution specifies that House members choose the speaker, but the speaker does not have to be a current or even a former representative.After a humiliating three-day stretch of 11 consecutive defeats in an election that is now the most protracted such contest since 1859, Mr. McCarthy dispatched his emissaries to hammer out a deal with the ultraconservative rebels, including agreeing to conditions he had previously refused to countenance in a last-ditch effort to sway a critical mass of defectors.They included allowing a single lawmaker to force a snap vote at any time to oust the speaker, a rule that would effectively codify a standing threat that Mr. McCarthy would be at the mercy of the right wing at all times, and could be removed instantly if he crossed them.As he left the House floor on Thursday night, Mr. McCarthy said that the negotiations had yielded “a little movement” and denied that the concessions he had offered would undermine his speakership.“Has it undercut the power of all the other speakers?” he replied, after a reporter asked whether allowing for a snap vote for his removal would weaken him. “So why would it cut mine? It'd only be a weaker speaker if I was afraid of it.”In fact, the specter of such a vote allowed right-wing lawmakers to push out John A. Boehner, the Ohio Republican, from the speakership in 2015, and the threat hung heavily over his successor, Paul D. Ryan, during his tenure.The Republican leader had also committed to allowing the right-wing faction to pick a third of the party's members on the powerful Rules Committee, which controls what legislation reaches the floor and in what form, according to a person who has been involved in the talks, who described them on condition of anonymity. Mr. McCarthy also said he would open government spending bills to a freewheeling debate in which any lawmaker could force votes on proposed changes, including those designed to scuttle or sink the measure.The rebels have agitated for that change in an effort to give greater power over the federal purse strings to rank-and-file lawmakers, rather than the senior leaders who normally have carte blanche over such legislation. It could make it all but impossible to pass a spending bill in the House, leading to a government shutdown.by The Hill staff - 01/05/23 8:09 PM ETLawmakers are still in negotiations but are touting progress.The result will bring the House Speakership fight to a 12th ballot, tying it for the fifth-longest in history. The House will reconvene at noon on Friday.Conservative holdouts mum on possible McCarthy dealConservative holdouts on Thursday night remained tight lipped over whether a deal has been struck that would help GOP leader Kevin McCarthy (R-Calif.) become Speaker of the House in the coming days.Scott Perry (R-Pa.), the head of the House Freedom Caucus, said that some of the 20 members who have opposed McCarthy are still “evaluating” the potential deal, which would include significant concessions for the group.Perry and other conservatives were huddling in incoming House Majority Whip Tom Emmer's (R-Minn.) office to hammer out an accord. Rep. Chip Roy (R-Texas) was also noncommittal, saying “we're still working through everything.”Roy also suggested, however, the group would come to some sort of conclusion by noon on Friday when the House is slated to reconvene and potentially hold more votes.“We have a vote tomorrow at noon last time I checked,” Roy said.Thomas Massie (R-Ky.), a McCarthy backer, noted that there had been progress.“I think there's a lot of progress today,” Massie said, adding that he couldn't say whether there will be a Speaker by week's end.Rep. Byron Donalds (R-Fla.), who had received the votes of all 20 GOP defectors on several of the ballots, also said there was “positive dialogue,” but also declined to say whether McCarthy has the votes to win the gavel tomorrow.By Melissa Quinn, Kathryn Watson, Stefan Becket, Caroline Linton Updated on: January 5, 2023 / 11:24 PM / CBS News The prolonged fight makes this the longest battle for the speaker's gavel since 1860, which required 44 ballots to determine a winner.The stalemate seemed to have no end in sight as the rebel Republicans remained united in voting against him, although several began backing Rep. Kevin Hern, who has been voting for McCarthy. Rep. Matt Gaetz, one of the most high-profile of the group, voted for former President Donald Trump on the two ballots of the day, and then on the fifth ballot, Gaetz nominated him. McCarthy made two key concessions to the 21 conservative holdouts on Wednesday, but none of them supported him in the four rounds of voting that took place over the course of more than eight hours on Thursday. With 433 members voting, a majority of 217 votes were needed to secure the speaker's gavel, meaning McCarthy could only afford a handful of defections within the House GOP's thin majority.The continuing impasse leaves the House effectively in limbo, since lawmakers must first elect a speaker before moving on to other business in the new Congress. McCarthy's conservative critics say he can't be trusted to lead the House GOP, and have largely thrown their support behind Rep. Byron Donalds from Florida, although he lost several votes to Hern on Thursday. Democrats, meanwhile, have remained united behind New York Rep. Hakeem Jeffries, the first Black party leader in either chamber of Congress. Jeffries and his lieutenants said Democrats "are united and are committed to staying in Washington for as long as it takes to get the Congress organized."  Freedom Caucus would have more power under framework being consideredAccording to several Republicans briefed on Republican talks, the framework under consideration includes rules changes, budget promises and committee guarantees. Talks are fluid, but the framework being discussed to win over some of the McCarthy critics is coming together. Its key characteristic is that House Freedom Caucus members would be central in the House, not on the outskirts of the GOP.If the deal does go through and McCarthy becomes speaker, the outcome could mean a House where McCarthy is speaker, but the House Freedom Caucus is at the table on every significant matter.FOXNEWS  Published January 5, 2023 11:00pm ESTRep.-elect Matt Gaetz, R-Fla., caused a stir on social media after voting for former President Donald Trump to become Speaker of the U.S. House of Representatives Thursday. A group of about 20 Republicans, including Gaetz, Rep.-elect Lauren Boebert, R-Colo., and others, have voted against McCarthy and labeled him a member of "The Swamp" as the vote for speaker has gone through 11 rounds over three days.Paul A. Szypula, a former U.S. Senate candidate and conservative commentator, tweeted, "Rep. Gaetz just voted for Donald John Trump to be Speaker of the House. Trump wears a US flag pin on his jacket. McCarthy wears a Ukraine flag. That says it all.""Imagine this scenario. Donald Trump elected Speaker of the House on January 6. I know it's not gonna happen. It's a dream but it would be fantastic," Carmine Sabia, a conservative writer, tweeted. "Who wants President Trump elected Speaker so he can conduct the J6 investigations and expose Nancy Pelosi on the national stage?" Rogan O'Handley, who runs the DC_Draino newsletter asked.Founder of Revolver News and former Trump speechwriter, Darren J. Beattie, said, "Donald Trump as Speaker is the only meaningful outcome to all of this."FOXNEWS Published January 5, 2023 11:30pm ESTRepublican Gov. Kristi Noem of South Dakota served eight years in Congress before being elected governor in 2018, but she's happy not to be there this week."I'm glad I'm not there" Noem told Fox News Digital when asked about the inability of her former GOP colleagues in the House of Representatives to elect a speaker."I do hope Republicans can be unified around our shared values and elect Kevin to be the speaker and get past this," Noem emphasized.Noem had some criticism for Republicans opposing McCarthy, saying "honestly it would make me feel a lot better if these 20 members of Congress were negotiating for something that actually made the country better, that solved some of the big problems that we've got going on.""To see them arguing and negotiating on behalf of themselves or committee chairmanship or position of power is extremely discouraging," the conservative governor added. "If they were arguing for reform that actually put our nation in a more secure spot, it would be much more understandable for me. So this kind of position and posturing for their own personal power is extremely discouraging for me."

Learn your optionsReels Instagram and FB, Tiktok, Stories, Youtube Shorts, GOAL-make you relevant and contemporary by using the 'coin of the realm' in a way that is not threatening to your sensibilities. Make a goal   minimum of 1 per month, increase to 1 every week or 10 daysDo not appear or speak in these videos (you can but you do not have to)Learn the platforms and the value of the sound track option, use various templatesFree Audio tracks are very powerfulKeep in mind you are telling a very quick story, think 20-30 seconds 7 content Ideas1-Where I am that is interesting2-What I see that is interesting3-My listing-----4-Fun day/interesting day in real estate5-Pet Antics6-A local business7-A local event8-Tap a trend and ride the wave.  Bonus.

It's been the drum beat for years. Get started on video. It's not too late. If you do not start soon, you will miss the boat. I know this causes anxiety in agents who struggle with not starting video. I talk to them and they beat them selves up for not being involved in video. So I have this click bate podcast title... (I added the ? to be more realistic) Don't use video in your RE. I have to qualify that. The benefits of video are pretty clear: It can separate you from your competition Help your prospects know you before they work with you. Help your prospects make initial decisions about working with you before you have met them. It can help market your property It can be fun and free and far more effective than other expensive marketing. But I know a lot of agents who do not use video or even social. And they do just fine, better than fine. And the reason I say, don't do video is that you only have so much time and energy. If video is not working for you, then you need to put energy into what does work for you. Identify the campaigns you can get behind since they resonate with your prospects. If you can harvest the resonance then you are off to the races. Imagine if you spent time beating the video horse and it lead to no business for you? Meanwhile you had other campaigns which were effective and you were sidetracked trying to get comfortable with your video work. I am going to finish out the way I started but first let me say there are ways to do simple videos that do not need your face and voice to be the center piece. Sometimes I think it boils down agents thinking VIDEO only means them talking about a subject. But video has blown up into a million different options. However, the point is, do not do video if you have other things working or if you can try some other strong marketing ideas. I do not want agents causing unneeded anxiety in their lives over this topic. Just agree that video is not for you and move on and get the job done other ways.

Use of Google calendar:  18 ways to streamline & be much more productive. Work Smarter, not harder. #missionforge1. Calendar can be shared with others via permissions-save time, polite,professional2. Events can be emailed to others to act as invitation or confirmation,polite, professional, eliminates error3. Calendar can be printed or saved to PDF-saves time and effort when documentingfor taxes or other purpose.4. Can be used to document mileage to business events-avoid redundancy, ease ofuse, ease of access5. Using address of the event you can link straight to directions for the trip-safety,convenience, documentation6. Entry of a contact phone number will let you dial straight from calendar-safety,convenience, documentation, ease of access.7. Entry of a contact email will let you compose email straight from calendar- safety,convenience, documentation, ease of access.8. Make notes directly after or during an event for later reference-ultraconvenient and more accurate.  Copy andpaste later.9. Import other calendars to be a part of yours-big time saver for adding otherevents to your calendar..see conflicts right away.10. Sync with desktop/tablet versions for uniformity…super important—a must.11. Reminders and alarms for events or calls/dial backs-critical step for timeblockers and also to keep small and large task on target for delivery.12. Easy to repeat events or reschedule events and appointments-13. Add tasks14. SEARCHABILITY--when did I meet with Joseph? 15. Streamlining-no more appointment cards, bulky calendars, post it notes,paper scraps.16. There is no risk of loss.17. add files to events18. add specific calendars, listing , buyers,prospecting, pop by, sphere, etc.

10 FAST and LOW COST things to do between now and 1/1/23 to start the hear on the right foot~START NOW!$30 Send 20 notecards to 20 past clients (or prospects)—message, it's been a while, how have you been.  Wishing you the best new year.  No biz card, no mention of RE.$75 5 Pop-bys A level $15 each$25 5 pop-ys B level $5 each$5 5 pop-bys C level $1 each, such as 7-11 gift card or Starbucks Giftcard$12 Take your two favorite vendors for coffee, discuss your mutual goalsFREE Identify 15 RE/MAX referral partners across the country on Social Media and start a campaign.  They should be productive and active on Social Media.$20 Hand out 200 business cards (10 a day) between now and the Kick Of Office meeting.FREE  Wear your nametag EVERYDAY.$10 personalize your license plate to Real Estate.FREE-identify and listen to positive business podcasts.   Suggestions, Brian Buffini, Zero to Diamond, Turn the Dial, Darren Daily, etc.$60 BONUS # 11 subscribe to photofy App or Canva App for great Digitial Content Creation. RE/MAX special.....enter your RE/MAX ($60 annually is increasing to $99 on 1/15/23).  Photofy will allow you to get a solid foothold in Social with excellent tools and fantastic Graphics.  Digital exposure is going to be critical and will give you far more exposure than any print advertising.  Sign up via MaxCenter and you will need your RE/MAX number from your profile.Total  $237 

10 FAST and FREE  things to do between now and 1/1/23 to start the hear on the right foot~START NOW!Review all profiles to ensure they are up to date with current content, best recent picture, most recent bio. Comb CRM for deletions, additions, updates.  Make a point to add more than you think you can.Look at all of your social platforms and make sure they reflect your personal brand image (business pages) and also are current with a recent post.  Make an appointment with your broker to map out your 2023 business plan.Unsubscribe to 20 annoying emails.On paper, list your 3 most important/essential/vital business activities.On paper, list your 3 biggest distractions from those activities.Scan your text messages back as far as they go and look for dropped conversations that can be rekindled, old friends who need to hear from you, past clients or prospects who you need to say HI to.Start gathering closing CDs and HUDs from 2022 to send to clients in January (in advance of tax season)Map your 2023 by adding important dates to your calendar now, ie. Tax deadlines, important meetings (such as RE/MAX Capital office meeting 1/5 at 1030am), training sessions, travel plans, personal events.#11  Bonus.  Decide what you want to achieve in 2023. Break down your needs and build up your income thoughts.  Develop a mantra you can repeat throughout the day.  IT IS UNNACCEPTABLE FOR ME TO CLOSE FEWER THAN ____ TRANSACTIONS.   Or  IT IS UNACCEPTABLE FOR MY BUSINESS TO EARN LESS THAN $________. 

Ties of this story to Real estate have peaked my interest.  #1 was the notice of bond being tied to his parents home on the Stanford campus#2 was the use of the word commingling of funds, which is also a big no-no word in Real Estate#3 was alleged use of those funds to by real estate in other countries such as the Bahamas. Bankman-Fried [SBF] will be back at the home he grew up in, a house in the middle of Stanford's campus, according to federal political filings that disclose the address. He will remain under house arrest, but can leave for substance use treatment, exercise and mental health purposes. US District Judge Gabriel Gorenstein signed off on the deal Thursday, allowing the disgraced FTX founder and ex-CEO — who is staring down a slew of charges which carry a sentence of up to 115 years — to leave New York for his home state.In granting him pretrial release, Gorenstein said Bankman-Fried had "achieved sufficient notoriety that it would be impossible" for him to engage in further financial schemes or to hide without being recognized.Nicolas Roos, a prosecutor, told Gorenstein that the bail package would require Bankman-Fried to surrender his passport and remain in home confinement at his parents' home in Palo Alto, California. He would also be required to undergo regular mental health treatment and evaluation.Cohen [SBF Atty] said he agreed with prosecutors' proposed bail conditions. He noted that Bankman-Fried's parents - both Stanford Law School professors - would co-sign the bond and post the equity in their home as assurance for his return to court. Both appeared at the hearing.The record-breaking bond would be partially secured by Bankman-Fried's parents' interest in their five-bedroom, three-bathroom home — which Zillow estimates to be worth north of $4 million — and that equity would have to be paid within three weeks, Gorenstein said."My client remained where he was, he made no effort to flee," Cohen [SBF Atty]  said.The bond is meant to ensure that if Bankman-Fried flees, the government could confiscate the family's assets - including their Palo Alto home - up to $250 million. Reuters could not determine the family's total net worth.Bankman-Fried said at a New York Times conference on Nov. 30, following the exchange's collapse, that he had $100,000 in his bank account.Roos [prosecutor] said that evidence at trial would consist of testimony from "multiple cooperating witnesses," [Ellison and Wang] as well as thousands of pages of written communications.Just hours after Bankman-Fried's plane from the Bahamas took off, Damian Williams, the top federal prosecutor in Manhattan, announced that two of Bankman-Fried's closest associates - former Alameda CEO Caroline Ellison and FTX co-founder Gary Wang - had pleaded guilty and were cooperating with prosecutors.The alleged crypto grifter will be able to leave his parents' house for exercise, mental health and substance abuse treatment. He will also be allowed to shop online, but is banned from making any non-sanctioned payments above $1,000 that aren't legal fees, prosecutors said.  Assistant US Attorney [the PROSECUTOR!!!] Nick Roos argued in favor of the house arrest, saying the fact that Bankman-Fried “voluntarily consented to extradition” from the Bahamas “should be given weight.”His $250 million bond is 25 times larger than the collateral that officials demanded from disgraced Ponzi scheme financier Bernie Madoff in 2009 [Judge Gabriel Gorenstein same judge giving bail to SBF].Damian Williams [lead prosecutor with Roos], the United States Attorney for the Southern District of New York, and Michael J. Driscoll, the Assistant Director in Charge of the New York Field Office of the Federal Bureau of Investigation (“FBI”), announced the extradition of SAMUEL BANKMAN-FRIED, a/k/a “SBF,” yesterday from the Bahamas.[1] Also unsealed are the guilty pleas of CAROLINE ELLISON, former CEO of Alameda Research, and GARY WANG, co-founder and former Chief Technology Officer of FTX.  ELLISON and WANG pled guilty before U.S. District Judge Ronnie Abrams on December 19, 2022, to charges arising from their participation in schemes to defraud FTX's customers and investors, and related crimes, and are cooperating with the Government.Mr. Williams praised the investigative work of the FBI and thanked the FBI for its partnership in the extradition of Mr. Bankman-Fried and its investigation of wrongdoing associated with Alameda Research and FTX.  Mr. Williams also thanked the Bahamas' government as well as the United States Embassy in the Bahamas for their extraordinary efforts in the arrest and return of the defendant to the United States to face these charges.  He also expressed appreciation for the assistance of the Justice Department's Office of International Affairs.This case is being handled by the Office's Securities and Commodities Fraud Task Force. Assistant U.S. Attorneys Nicolas Roos and Danielle Sassoon are in charge of the prosecution.  The Money Laundering and Transnational Criminal Enterprises Unit and Assistant U.S. Attorneys Samuel Raymond and Thane Rehn also contributed to the investigation.The allegations in the Indictment against BANKMAN-FRIED are merely accusations, and the defendant is presumed innocent unless and until proven guilty.The [OLD CASE] prosecutor [Marc Litt] who put Bernie Madoff in federal prison for running a Ponzi scheme that defrauded investors of billions of dollars said Friday it's “highly unusual” for Sam Bankman-Fried to be speaking publicly about the November collapse of his crypto platform FTX amid widespread allegations of fraud.“It's highly unusual for a subject of a high-profile criminal investigation to be conducting media interviews and public appearances during which he discusses the conduct being investigated,” Marc Litt, who prosecuted Madoff for the Southern District of New York in 2009, told The Hill. “No criminal defense attorney [Cohen in this case] I know would recommend doing that, and no matter how careful Mr. Bankman-Fried thinks he can be, it's almost inevitable that something he says will come back to haunt him if charges are ever brought,” he said.[from 2008] NEW YORK, Dec 17 (Reuters) - Bail conditions for Bernard Madoff, the financier accused of one of the biggest frauds in Wall Street history, have been modified to include electronic monitoring, according to court documents released on Wednesday.U.S. District Court Magistrate Judge Gabriel Gorenstein [same judge giving bail to SBF] said Madoff's wife Ruth was required to surrender her passport by noon on Thursday and said a hearing scheduled for Wednesday was canceled.“In light of this order and the agreement of both the defendant and the government to the changes in the bail conditions, there is no need for a further hearing on bail today,” the judge's written order said. “Accordingly, the hearing is canceled.”  [old from 2008][Parents other home] Bankman-Fried's parents, Stanford University law professors Joseph Bankman and Barbara Fried, are reportedly listed as signatories on a beach house within the Old Fort Bay gated community.  Sam Bankman-Fried claimed he didn't know how a $16.4 million Bahamas mansion got listed under his parents' names, insisting that it was meant to house staffers at his now-defunct FTX cryptocurrency exchange.“I don't know the details of the house for my parents,” Bankman-Fried told the New York Times' Andrew Ross Sorkin via Zoom at the newspaper's DealBook summit event in New York City on Wednesday. “I know it was not intended to be their long-term property. It was intended to be the company's property. I don't know how that was papered in.”Bankman-Fried's parents, Stanford University law professors Joseph Bankman and Barbara Fried, were listed as the owners of a home in a gated community on the Bahamas.Property records described the house as a “vacation home,” according to Reuters, which was the first to report the news.  #1 the home is estimated to be worth about $4 mill according to Zillow.  Realtor.com says about 3.2 mill  Bankman-Fried's parents bought their cozy four-bedroom, three-bath home in 1992 for about $700,000 — close to $1.5 million in today's money — records show.  What we know about the house.  ~1 acre.  On or adjacent to Stanford Campus.  In ground pool. According to a 2013 rental listing, the home features expansive windows looking out onto a verdant backyard, which has a swimming pool. Inside, the home features hardwood floors, floor-to-ceiling bookshelves and a grand piano.  Zillow rental estimate is $8300 4bed   (Zillow says 5 Bedrooms) 2.5bath  (Zillow says 3 bath) 3,092sqft 0.89acre lot0.89 acre lot 743 Cooksey Ln, Palo Alto, CA 94305·  Property TypeSingle Family·  Year Built1918 County records | Real Property  | Land:  | $1,166,457  | Improvements:  | $619,441  |   |  | Total:  | $1,785,898  Special Area Policies and Information San Juan Historic Survey Area: Building permit applications for buildings older than 50 years requires a Stanford assessment to evaluate if the building/structure appears eligible for inclusion to the Historic Resource Inventory Stanford Community Plan Land Use Designation: Academic Campus, Campus Residential - Low Density Fire Responsibility Area: LRA (100%) Wildland Urban Interface: IN Geohazard: County fault rupture hazard zone Geohazard: County landslide hazard zone Historic Parcel: NO FEMA Flood Zone: D (100%) Watershed: San Francisco Bay Rain isohyet: 19 inches Nearest named creek: STANFORD CHANNEL (3258 feet) Nearest named lake: Felt Lake (9392 feet) Zoning is R1s-n3Recorded Size (Assessor Database): 38,768 sq. ft. / 0.9 acres Computed Size (GIS): 40,461 sq. ft. / 0.9 acres

Be well if you are grieving. Prayers to you and to the one who went before you. Navigate well.

Williamsburg has it's fair share of confusing intersections.  There is a reason why it is fairly common. Listen in.  East of the Mississippi, metes and bounds is a common system used to define land boundaries and it is a system not know for regularity.  It is rather peculiar as is the land and those who have built upon it.  In the west the system of land division is very systematic (think about a town square) and you will begin to understand the origins of these systems if you listen to this podcast.  #missionforge

Uncle Bob inspired #missionforge when I was 11. He was a man of Iron who saw the iron in others, me on that day. What did he say that sparked my love of learning and sharing? Rest in Peace Uncle Bob. Thank you for remaining a pillar of strength and tradition.

We all know what it means to get to the bottom line. But have you ever heard of a Top Line approach to business? YOU SHOULD!

It is time to prepare our clients for the possible hangover from paying top dollar. Your client just asked you to submit an offer for 110% of list price. Have you talked them through the eventual sale of that house? What are some smart strategies for the new home owner to prepare for sale in 3, 4, or 5 years.

Just as you prepare for a medical check up, you should prepare for a business check up. I was found to have low Vitamin D levels, so I am taking measures to fix that. Are you suffering from low vitamin P (prospecting) in your business? What are ways you could increase your vitamin P levels in your business?

As Mission Forge turns 2, I pause to remember those who inspire me and give thanks and also remember a key component that we are all of value, all possess iron to both sharpen others and be sharpened by others.

#missionforge discusses an easy recipe for developing a three-legged value proposition focused on your personal value, the value of your office, and the value of your brand.

The intended audience is made of 2 groups: paper calendar users who cannot let go of paper, and also users of e-calendar who want to expand usage to save time and money.

The expeditious cure to the Covid-19 virus should begin turning the tide of worry and create a powerful feeling of security if it proves to be effective. Now what?

Karma and faith are not mutually exclusive. Perhaps they are more alike than you think, as they both help us cure the anxiety of the unknown.

Free parking is good, but being validated is better. Why? How can it help you in your business and personal life?

Listen how Corn Farmer David Hula brings excellence to his craft of farming. The lessons are perfect for Mission Forge.

Is the Tie a bacteria trap? A germ holder? The Virginia Governor advised to not wear a tie. This throws me into a little chaos. How will I send the right message, what can I wear going forward?

Mary could have said many things when she engaged the resurrected Jesus. In a state of disbelief she spoke and called him Teacher. Happy Easter. How important is having a Teacher in your life and business?

Conditions matter for a good fire, but a strong business can burn brightly in any conditions. Be like the fire and combine opportunities and make things happen.#missionforge

$50 and a cup of coffee can lead you to greater choice and happiness

Are you missing out on the deep value available to you as a member of your professional organization? Real estate licensees have perhaps one of the most effective and powerful organizations and that means VALUE.

People love to ask "How's the market?" I've never been able to answer that question in the middle of a pandemic and during the crash of the stock market, so here is my answer.

Most buyers are ignored by their agents after closing. While the buyers would use them again, they lose touch. A sharp listing agent can start to impress new clients who have been ghosted, by placing a buyer book in the house as a service to the seller.

Our unique value can be overlooked. It is up to us to showcase our value to the intended audience. To do that you must know your value. Lastly, be sure you are not looking past things of great value in your life. Become a talent scout of other's value to help bring it out in them. #missionforge #ironsharpensiron

Part 2 of 2 where I cover topics for buyer videos and also the mechanics of creating and dispersing video content Video is a fantastic way to get your message to the intended audience, but it is also fast becoming a way for Realtors to grow their sphere of influence. Systematizing is a process to become more efficient and keep you from reinventing the wheel each time you do something. This podcast puts the two ideas together.

Video is a fantastic way to get your message to the intended audience, but it is also fast becoming a way for Realtors to grow their sphere of influence. Systematizing is a process to become more efficient and keep you from reinventing the wheel each time you do something. This podcast puts the two ideas together.

What Happens in Vegas Stays in Vegas

Do you know the difference between first right of refusal and a home sale contingency? Which protects the seller? Which protects the buyer?

Open House is a proactive way to prospect your value to potential buyers and sellers, while serving the needs of the property owner.

Termite and moisture inspections are an integral part of most real estate transactions. Join me as I share some tips, action items, best practices, and potential pitfalls of this area of Real Estate. It is great for any agent, but also for future home owners, and even home sellers.

CMA (comparative market analysis) and appraisal are very important topics for all agents, and real estate consumers (buyers and sellers). Listen in for pro tips, best practices, and pit falls regarding these important issues that are tied together.

It is common to talk about physical health in an open forum or in a casual setting, but we whisper about mental health. We all have a state of mental health which can benefit from successive small positive events. We each can learn to better cope with negative events, small and large. What obligations do you have for yourself and those you interact with to assist a positive approach to allowing each others' mental health to improve?

Showing Houses 101 is a great primer for agents new to the market, or for consumers thinking of buying a house in the near future. It is packed with good tips, tricks, and hacks to increase the client experience and establish a good working relationship with out cooperating brokers.

Marketing 101 for Real Estate Agents will provide the listener with a checklist, Action Items, Best Practices, Oughtas and Gottas, and Pitfalls for Marketing. It is designed for new agents or those wanting a solid and quick refresher to kick start their marketing plan.

This show delivers a great over view of Real Estate Mortgage designed for the new licensee, aspiring licensee, or even the consumer, wanting to better understand the mortgage process from a Realtors Perspective. Bobby shares checklist items, Action items, Best practices, Oughtas & Gottas, as well as possible Pitfalls for Mortgage in Real Estate.

Some things are built to last. Could you build a service that is built to last? Can you create a consumer experience that will ensure your real estate business will stand the test of time?

SPLASH is an acronym for 6 great ideas to show you are serious and that you care. If you SPLASH your daily tasks, elements of your actions will spread beyond the moment and create their own impressions just as a rock dropped into a lake will cause ripples and send drops in every direction Splash not like an Olympic diver where nothing happens, not like a cannon ball that gets the people on the deck drenched, but that perfect splash that looks like a crown and creates the perfect ripples and drops part of itself just far enough away in every direction to spread the good news. Done right and you can create impressions working for you once you have left and finished. You will create an unstoppable flow of interest in your value if you make this routine.

Here are the essentials of financial planning for Realtors covering planning, execution, strategy, and application. this is good information for new agents as well as experienced Realtors.