city surf & sand team
Volume 2, Issue 6 | January 2016
FAMILY NEWS
FEAR NOT: 6 STEPS TO CONQUER YOUR FEARS
WELCOME TO THE imortgage FAMILY
By Darren Hardy, CEO and Entrepreneur Mentor There is a Japanese proverb, “Fear is only as deep as the mind allows.”
Tracey Carrino Loan Consultant UTC NMLS ID 327180
Fear while an instinctual part of each and every one of us, should not control us or drive our actions, except in the case of extreme danger like being attacked by a shark or other such creatures. Obvious right? Then why do so many let fear, some knowingly and most unknowingly drive their daily actions and limit the life they can lead? Well, it doesn’t limit everyone. Torre DeRoche suffers from Selachophobia, or what she fondly has renamed Horriblehorriblesharkydeathphobia. This is merely one among many of her fears when it comes to the ocean.
BY THE STATS
Yet in her mid-twenties, she agreed to embark on an adventure that would mean sailing across the Pacific Ocean and facing every single one of those maritime related fears head on. Let me paint the picture for you. Torre was in her mid-twenties, a recent Australian transplant and she met a man in a bar in San Francisco. Typical girl meets boy story, except one thing, this boy asked the girl to go on a trip across the ocean with him. Well, the lovestruck girl agreed. Don’t forget the fears now. Torre, who wrote a memoir about her journey, reflects that love trumped fear and that she didn’t want fear to be the reason she said no. So what did she do? Like any intelligent person, she dug deep and learned. She read books, signed up for classes and talked to various people all about what she feared most: “being in the middle of the ocean in the middle of the night ” and oh yeah, the sharks too. Eventually Torre embarked on the fearful journey and to her surprise she did more than just survive, she thrived. Torre discovered that fear is “often all about the anticipation” and that when “something bad is actually happening, you click into action and the anxiety goes away.” Now Torre is careful to note that she didn’t eradicate her fears.
The City, Surf & Sand Team is ... Most likely to be born in October (13%) and Least likely to be born in November (4%) 8% on the team for 5 or more years Likely to be a “J” name (18%) 29% men and 71% women
city surf & sand team
CONGRATULATIONS TO OUR TOP PRODUCERS! NOVEMBER
DECEMBER
TOP 3 - VOLUME
TOP 3 - VOLUME
Cameron Owens
Terri Valdez
Eric Billock
Cameron Owens
Joan Llanes
Lisa Coleman
NMLS ID 390270
NMLS ID 352862
NMLS ID 271844
NMLS ID 390270
NMLS ID 633016
NMLS ID 347566
UTC $5,207,074
Eastlake $3,339,384
Carlsbad $2,444,975
UTC $7,634,541
Carlsbad $3,349,630
UTC $3,145,187
TOP 3 - UNITS
TOP 3 - UNITS
Cameron Owens
Terri Valdez
Eric Billock
Cameron Owens
Joan Llanes
Lisa Coleman
NMLS ID 390270
NMLS ID 352862
NMLS ID 271844
NMLS ID 390270
NMLS ID 633016
NMLS ID 347566
UTC 9 loans
Eastlake 9 loans
Carlsbad 8 loans
UTC 14 loans
Carlsbad 10 loans
UTC 8 loans
But she realized how to separate reasonable from unreasonable fears. She realized that the unreasonable ones, once acknowledged, would fade away. The reasonable fears could still be conquered but not removed. There is a key lesson in Torre’s discovery: To conquer means to overcome and take control. You might not be able to eradicate your fears, but you can certainly take control of them and use them to work for you and not against you, or at least prevent them from stopping you from doing the things you want in life, like Torre. Now, overcoming and conquering fear something I have studied intensely because of my mentoring and training of CEOs and entrepreneurs in helping them to reach and realize
their inner potential and achieve their big ideas. As a special treat for you on this topic, I am going to give you the strategies I wrote about in The Entrepreneur Roller Coaster. book which outlines how to face down fear and gives you the six brain hacks you need to conquerthe fears that right now might be holding youback from the success, the lifestyle you could achieve and the life you were meant to live. This is pulled right from the audiobook version of The Entrepreneur Roller Coaster — Why NOW is the time to #JoinTheRide. 1. Get real. Separate fantasy from reality. 2. Fear is only an illusion, and it’s all in the
AT WORK ... HONORABLE MENTIONS PERSONAL BESTS FOR NOVEMBER* Naomi Bang - 1 Unit, $413,250 Cheryl Kuck - 3 Units, $1,421,907 PERSONAL BESTS FOR DECEMBER* Todd Eldridge - 5 Units, $747,752 Cheryl Kuck - 4 Units Vicki Sweeten - $1,162,374
The City, Surf & Sand Team averaged $1,463,539 for volume and 3.9 loans each for the month of December. The City, Surf & Sand Team totaled $307,158,945 and 873 loans for 2015. Congratulations!
* since joining the imortgage team
Phana’s Client Appreciation Dinner |
WCR 2016 Installation
anticipation, not in the function.
| Terri and Mike - BIA Charity Work | Laura w/ McMillin Realty
and avoiding those things.
3. 20 seconds is all it takes. Feel the fear, shut your brain off and step in and do the thing you fear. Then of course you can still be a coward 99.98% of the time and still crush it, so it’s all good.
6. Turn fear into fun by pursuing it and celebrating it.
darrenhardy.success.com, @darrenhardy
4. Focus on the task ONLY. Give no mind or attention to the outcome. 5. Habituate yourself. This is the best approach of all.
Just do the thing you fear, over and over in great volume for a sustained period of time, and it will lose it’s power over you. What you once feared will become your unique advantages and strengths as everyone else will still be afraid
The only thing stopping you from realizing your God-given talents and capabilities is fear. Turn fear into fun and you will open the floodgates of your potential. Nothing, and I mean nothing will be able to stop you then.
Food for Thought
Worrying is like paying a debt you don’t owe.
city surf & sand team
A TONGUE-IN-CHEEK REMINDER OF WHAT IT M By Jeff Haden, Ghostwriter, Speaker, Inc. Magazine Contributing Editor One day I’d like to meet someone who is actually rich. Sometimes I think I’ve found one but it always turns out I’m wrong. No matter how rich I assumed the person to be ... within a few minutes I find out just how “poor” that person really is. Take the guy who sold his company for more than $40 million. (Well, actually $100 million in total; $40 million is his share.) I was sure he was rich. Then he told me how for tax and estate planning purposes he had structured the disbursement of funds over 10 years. So sure, on paper he may be “worth” $40 million, but he only gets around $4 million each year. And despite all that nifty financial planning the taxes are still so high he doesn’t see nearly that much. It’s a bummer. Or take the guy who just splashed a cool $450 grand on a Lexus LFA with the Nürburgring package. His everyday car is a Porsche 911 Turbo S. I was sure he was rich. Then he told me what he wants most in life is a Bugatti Veyron only they cost about $2 million. Sure, he has money, he said, but he doesn’t have that kind of money. He thinks about it all the time. It’s a bummer. Or take the guy with the 110-foot yacht. Strictly speaking it’s a ship, not a boat, since it’s big enough to carry several small boats and a couple of jet skis on a platform at the stern. And it has a pool. I was sure he was rich. Then he told me how expensive the yacht is just to own: fixed costs like cleaning, upkeep, berth, and crew run over six figures a year. And what about the expense of actually taking it for a cruise? He told me firing it up is so expensive he sometimes has to think twice about whether to take it out of the harbor. It’s a bummer. Or take the guy who -- I know it’s a cliché, but it’s still true -started a company in his garage, financing it with credit cards and a loan from his father-in-law. A couple decades later his company owns its building (and a few more), employs 500 people, and generates tens of millions in annual revenue. And he put his three kids through Ivy League schools and then gave them significant seed money to start their own businesses. I was sure he was rich. Then he explained how he still has to work 60- to 70-hour weeks and can maybe take one week of vacation a year. Sure,
he would like to have more free time, but running a company that size requires constant and total attention. Why, it could all go away in an instant, he said. And then what would happen to his family? The very thought makes him shudder. It’s a bummer. So I decided to set my sights on a different target. By definition there can’t be that many rich people; maybe statistical probability was the problem? So I decided to look for someone who is happy. After all, not everyone can be rich ... but anyone can be happy. I thought I found one when I met an entrepreneur who had just landed her first big customer. Not just a big customer, a truly enabling customer, one who made it possible for her to hire much-needed employees, make long-delayed equipment purchases, and finally get creditors off her back. I figured that surely made her feel happy. Then she told me how much she hates to recruit and interview … and then actually having to supervise those employees on a daily basis? Ugh. She told me how adding equipment, maintaining a larger inventory, and managing the huge increase in production was such a pain. Don’t get her wrong, she told me as she looked around to make sure no one overheard, but she often longs for the good old days when life was a lot simpler. It’s kind of a bummer. Or take the guy who, after years of putting out feelers and constant hints, was finally
... AND AT PLAY
MEANS TO BE RICH invited to serve on the board of a startup. The company has potential, he said, but it’s not Twitter. Or Facebook. Or even Fancy. Now serving on one of those boards would be cool. This? He thought it would be fun, but it’s kind of a bummer. The guy who just bought a bigger house? Bummed because it takes so much work to clean. The guy who just doubled his income? Bummed because now his taxes are higher. The gal who just landed her dream job? Bummed because now her daily commute is half an hour longer. Seems no one I meet, no matter how much money or success they’ve achieved, is actually rich. Not really. And although I’m stretching the premise to make a point, it seems no one I meet, no matter how fulfilling and gratifying their life might be, is actually happy. Not really. But that’s okay. Someday I might And hopefully
I’ll keep looking. find someone. that someone is you.
www.linkedin.com /in/hadenjeff, @jeff_haden
2016 Business Planning Event
city surf & sand team
COM
imortgage 2015 Holiday Party in Scottsdale
MMUNITY & CULTURE CORNER Neighborhood / Zip Code
CARAVAN SCHEDULE When
Cost
Meeting Location
TUESDAY #G10 – Scripps Ranch
Pitch: 9:00am – 9:45am Tour: 1:00pm – 4:00pm
La Bastide Bistro 10006 Scripps Ranch Blvd. #104, San Diego, CA
#G12 - Mission Bay, Pacific Beach, Mission Beach (92109)
Pitch: 8:30 am - 9:30 am Tour: 9:30 am - 12:00 pm
$5.00
Mission Bay Yacht Club 1215 El Carmel Place, San Diego, CA
#G27 – Rancho Bernardo, West of 1-15 (92127)
Pitch: 9:00am. – 10:00am Tour: 10:00 am – 12:00 pm
$1.00
4S Boys and Girls Club 16118 4 S Ranch Pkwy, San Diego, CA
#702 Del Mar, Carmel Valley, Solana Beach, Rancho Santa Fe (92014, 92067, 92075, 92091, 92127, 92130)
Pitch: 11:00am – 12:00pm Tour: 1:00pm – 4:00pm
Searsucker (Del Mar Highlands Plaza) 12995 El Camino Real, Del Mar, CA
#607 – Escondido (92025, 92026, 92027, 92029)
Pitch: 8:30am – 10:00pm Tour: 10:30pm – 1:30pm
The Masonic Center 1331 S. Escondido Blvd., Escondido, CA
#G18 – 92111, 92119, 92120, 91941, 91942 (1st & 3rdOf the Month)
Pitch: 9:00am – 10:00am Tour: 10:00am to 12:00pm
Marie Calender’s 6950 Alvarado Rd., San Diego, CA
#G118 – Coronado (92118)
Pitch: 9:30 am last Wed. of each month only Tour: Weekly at 11:00am – 1:00pm
#G129 - Rancho Penasquitos 92129
Pitch: 10:30am Tour: Immediately after Pitch
Cafe 56 - patio area 13211 Black Mountain Road, Von’s center in PQ
Rally & Ride
Pitch & Tour: 9:30 am
PSAR South County Service Center 880 Canarios Ct., Ste. 100, Chula Vista
#702 – Carlsbad, Encinitas, Cardiff (92007, 92009, 92011, 92024)
Pitch: 8:00am – 9:40am Tour: 10:30pm – 1:00pm
C3 Church 2716 Gateway Rd., Carlsbad, CA 92009
#801N & 802S – Fallbrook/Bonsall (92003, 92028,)
Pitch: 8:30am – 9:30am Tour: 9:30pm – 1:30pm
Fallbrook Country Escrow Office 1676 S. Mission Rd # E, Fallbrook, CA
WEDNESDAY
$3.00
Coronado Yacht Club 1631 Strand Way, Coronado, CA
THURSDAY #G8 - Downtown San Diego (92101, 92103) Parking: Metered street parking or nearby parking garages
Pitch: 8:30 a.m. - 9:30a.m. Tour: 10:00 a.m. – 12:30 p.m.
$3.00
Meze Greek Fusion 345 6th Street, San Diego, CA
#G16 - Point Loma & Ocean Beach
Pitch: 8:30 a.m. – 9:30 a.m. Tour : 10:00 a.m. to 1:00 p.m.
$5.00
Portuguese Hall 2818 Avenida De Portugal, San Diego, CA
#G6 – Clairemont, Linda Vista, Bay Park, Bay Ho, University City and Sera Mesa (92110, 92111, 92117, 92122, 92123)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$10.00
Hometown Buffet 3007 Clairemont Dr., San Diego, CA
#G26 - Rancho Bernardo and Carmel Mountain Ranch in zip 92128 and all of zip 92127
Pitch: 9:00am – 9:30am Tour: 9:45am – 12:00 pm
$1.00
St. Bartholomew’s Episcopal Church 16275 Pomerado Road, Poway, CA
#G111 - Golden Triangle (92122, 92037)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$17.00
Cozymel’s Coastal Mex 4303 La Jolla Villa Dr., San Diego, CA
#G126 - Mira Mesa, Sorrento Valley (92126, 92121)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$17.00
Cozymel’s Coastal Mex 4303 La Jolla Villa Dr., San Diego, CA 92122
#G704 – Oceanside 92054, 92056, 92057, 92058
Pitch: 8:00am - 9:30am Tour: 9:30am - 11:30am.
Woman’s Club 3220 Monroe St., Carlsbad, CA
#602 – San Marcos (92069,92078) #601 – Vista (92081, 92083, 92084)
Pitch: 8:30am – 9:00pm Tour: 10:000pm – 1:00pm
Nucci’s Italian Restaurant 1580 South Melrose Dr., Vista, CA
#G64 – Poway (92128) & Sabre Springs South of Ted Williams Pkwy
Pitch: 8:30 a.m. - 9:45a.m. Tour: 9:45 a.m. – 12:00 p.m.
$5.00
St. Bartholomew’s Episcopal Church 16275 Pomerado Road, Poway, CA
#G14 East & West - Metro Area West of Park Blvd (92101, 92103, 92108, 92110, 92116)
Pitch: 8:30am – 9:30am Tour: 10:00am – 1:00pm
$3.00
Kato Sushi 1045 University Avenue, San Diego, CA
COM
city surf & sand team
WHY WE SHOULD COOK AND EAT AT H By Andrew Kobylarz, Health and Fitness Author When the weekend rolls around it’s time to relax, decompress, and recharge for the week ahead. So we go out to eat and drink. Considering the plethora of food options that modern society provides us, it’s pretty hard to stay at home and cook, cause you can order Seamless or just go out. Right? Thing is, we do it too much. It’s nothing new to hear that there has been a rise in obesity in recent years. But what is interesting is the correlation between more eating out, grabbing takeout, and our growing waistlines. While there’s certainly no direct causation to obesity and going out, or takeout, it’s something well worth exploring. The question to answer from this, why don’t we cook at home and eat with others more often? Going Out to Eat is a Rising Trend For most people in the 1950s it was an event to go out to grab a nice dinner. Now it’s the norm. I’ve even gone out to eat quite a bit myself in the past year or so. Nowadays, going to a “nicer” place to eat is the event, because we dine out so often! The New York Times published a great article outlining the rising trend of going out to eat. In 1955, 19 percent of the American family’s food budget went to dining out. Flashforward to 2002 and that number has doubled. Given the fact that the restaurant business is a $709.2 billion market and growing, according to the National Restaurant Association, it’s safe to assume that more and more of the American family’s budget is going towards takeout or dining out. But we should cook at home more often, not just because it’s cost efficient. Rather because we know what we’re putting into our bodies, it’s healthier, and it has a positive effect on our relationships as well. Why Cooking at Home is Healthier I’m not saying that you should cut eating out altogether, just don’t do it so often. The biggest reason is because you have the knowledge of what you’re putting into your body, you can control portions size, and the nutrients that make up your meal. The restaurant industry isn’t the only thing that’s grown in the past 50 years; it’s also been our portion sizes. Just take
one look at the serving sizes of a soda on this Huffington Post infographic. In 1950, the average serving size of soda was seven ounces, now it’s 42 ounces! That’s six times the average size of the past. And it’s not just sodas; everything is larger than it once was. As if portion size wasn’t bad enough, each restaurant serving size is filled with large servings of sodium, oil, fat, and sugar. In moderation it’s not bad, but on a consistent basis? It starts to make a lot of sense that our society is overweight. Cooking at home has so many benefits:
MMUNITY & CULTURE CORNER
HOME MORE OFTEN -You’ll be able to manage your portion sizes. -You’ll know what and how your food was cooked. -You can add protein and healthy fats into your meals. -It’s cost effective.
Joan’s Decadent Dessert Party |
Casey’s Date Night
Need I say more? The final reason that we should be cooking at home isn’t so much related to physical health, though that’s a big part of it: cooking at home can solidify your existing relationships. Cooking with Others Strengthens Relationships There’s a very human element to cooking with others. It’s something that we’ve done for ages, it’s part of our history, it’s something engrained in who we are as humans. You break bread with people who are important to you—whether it’s family, friends, or a significant other. You, me, everyone cooks and eats with one another. John Favreau, director of Chef, discusses with Tim Ferris on his podcast the research that went into the movie. During the filmmaking he discusses having fun with a group of people, who just worked on cooking meals and eating together. Jon also admitted that he didn’t have much to talk about with his family, given his out of the ordinary life. Cooking meals together though seemed to bridge that gap. And that’s because cooking with others, and eating with them, is the ultimate icebreaker. The type of food, the cuisine, and helping each other to make a good meal is guaranteed to add up to some sort of interesting conversation. Whether it is just getting to know someone, catching up, or finding common ground with someone you have known for years—like your family. Anne Fishel, an Associate Clinical Professor of Psychology at Harvard Medical School wrote in the Washington Post that kids who eat with their families do better in every way: from grades, to eating healthier, to not engaging in high-risk activities, and eating at home even provides them with a more positive outlook on life. If you live alone, or maybe don’t have that big of a social circle, try inviting others to come prepare and dine with you in your own home. It’s personal, builds friendships, and connects other people. It’s a win-win for everyone involved. Though there’s no direct causation to cooking and eating at home. There’s a lot of research that says you will be healthier and better connected with others when you do. So cook with someone, eat with someone, and enjoy. aloha.com/shop/contributors/andrew-kobylarz, @askobylarz
Sheldon @ USO Party |
AREAA Black & White Ball
Final Fitbit Numbers for 2015 Name
# Steps
1
Ron Stowers
9,504,250
2
Mike Stowers
6,922,372
3
Belinda Stowers
4,698,408
4
Mike Surges
4,330,212
5
Cameron Owens
3,938,911
6
Jenna Greenberg
3,682,900
7
Blanca Fonseca
3,419,819
8
Julie Larabee
3,402,647
9
Karri Onori
3,090,153
10
Jon-Eric Lehman
2,931,627
city surf & sand team
Our Holiday
Franc and Family
| Shay Just Shy of 5 Mo. |
Mikey in an Array of PJs
Brain Teaser
|
Karri and Sister w
What can run but never walks, has a mouth but never talks, has a bed but never sleeps?
CELEBRATE!
Anniversaries 5 yrs 5 yrs 5 yrs 5 yrs
Cameron Owens 01.05 Lisa Coleman 01.07 Tracey Anderson 01.17 Penny Ong 01.18
Birthdays
Julie Larabee 01.13 Kelsey Kuhn 01.16 Lori Vialpando 01.16 Jennifer Entner 01.17
1 yr 1 yr 1 yr 1 yr
Sheldon Hecht Janet Jacobson Melissa Sandoval Lori Vialpando
01.12 01.30 02.09 02.23
Lora Calvert 01.22 Benjamin Lee 01.29 Brenda Sanchez 02.03 Mary Cruz 02.26
FAMILY FUN
y Babies
with the Kiddos
|
Laura and the Girls
Debbie’s Granddaughters Brooke and Selah
| Debbie with Husband Jim |
Karri and Mason
| Par Babies Model Winter Wear
|
The “J”s: Jenna, Jerry and Jax
Exciting News!
Babies
Par Family Train Ride
| Jenna’s Tea Time with Mom
|
Baby Christine (Mason): March 28 Baby Holly (????): May 31 Baby Jinny (Morgan): June 22
Engagements
Laura and Joe Lisa and Vincent
EVENTS
city surf & sand team
JANUARY SUN
MON
TUE
WED
THU
FRI 1
SAT 2
NEW YEARS DAY
3
4
5
6
7
8
Coffee Connection Carlsbad Chamber
Joint Sales Meeting 10am - 12pm
10
11
12
13
6 Degrees San Diego Mixer Desk Hub
8am - 9am
9
SDAR 2016 Installation Dinner Grand Del Mar 5pm - 11pm
14
15
16
21
227
23
3pm - 7pm
New Hire Orientation
17
18
24/31
19
25
20
Eastlake Sales Mtg 10am - 12pm Sundowner Carlsbad Chamber 5pm - 7pm
266 Degrees Breakfast
27
WCR It’s Your Move Crown Plaza SD Mission Valley
BIA Installation Dinner Sheraton San Diego
2pm - 4pm
28
5pm - 11pm
29
AREAA Being Asian in America
6:30am - 9:30am Holly Nanula- Harcourts 4:30pm - 6:30pm PD January Mixer 5pm - 6:30pm
30
Rancho Bernardo Country Club 12pm - 2pm
FEBRUARY SUN
MON 1
TUE 2
WED 3
THU 4
5
10am - 12pm
8
9
6 Degrees Community Night SD Library East Village
10
15
PRESIDENTS DAY HOLIDAY
16
11
12
Coffee Connection Carlsbad Chamber
22
17
Carlsbad Sales Mtg 10am - 12pm
6 Degrees SD Mixer 4pm - 7pm
Sundowner
18
BIA General Membership Bkfst Del Mar Hilton
Holly Nanula Harcourts
24
Real Estate Networking 4:30pm - 6:30pm
19
20
26
27
7:30am - 9:30am
5pm - 7pm
23
13
8am - 9am
Affiliate Expo Palm Springs Air Museum 8am - 5pm
21
6 7am - 9am
4pm - 7:00pm
14
SAT
1st Friday Breakfast Carlsbad Chamber
Joint Sales Meeting
7
FRI
25
6 Degrees Cigar Society Hard Rock Hotel 5pm - 8pm
CHRISTMAS HOLIDAY
New Hire Orientation
28
29
Please share pictures of all your industry events, conventions, awards, sales meetings. Send to Holly Johnson (holly.johnson@imortgage.com) with a small explanation. Imortgage is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040. NMLS ID 174457. All rights reserved. Equal Housing Opportunity.