EXECUTIVE AGENT MAGAZINE - SAN DIEGO, AUGUST 2019

EXECUTIVEAGENT MAGAZINE

Libby Rogers Executive Agent of the Month

Inside Features Dina Trafficanda Lily Vu

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THE FUTURE OF LENDING meets

THE FUTURE OF REAL ESTATE HOW IT WORKS

loanDepot aggregates digital inquiries, pre-qualifies buyers and works with our sister company, mellohome to match them with local real estate agents!

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BORROWER(S)

LOAN CONSULTANT

CONCIERGE

REAL ESTATE AGENT

Borrower(s) complete an online inquiry and connects with Loan Consultant.

loanDepot Loan Consultant establishes relationship, gathers info, pre-qualifies the client and continues to work with the borrower until they are ready to begin their home search.

Borrower is referred to mellohome concierge team member to be matched with an expert local real estate agent.

Top local real estate agent connects with borrower and begins helping them find the home of their dreams.

Contact me to learn about what mellohome can do for you! loanDepot.com, LLC (NMLS# 174457, www.nmlsconsumeraccess.org) and mellohome (Texas brokerage license #9006745) are sister companies. (021919 178856)

RICHARD HEDRICK

NMLS# 1059650 Branch Manager (909) 912-7835 office (714) 400-2753 cell 3281 E Guasti Rd, Suite 550 Ontario, CA 91761 rhedrick@loanDepot.com www.loanDepot.com/rhedrick

ONTARIO BRANCH

RIVERSIDE BRANCH

TEMECULA BRANCH

SAN JUAN CAPISTRANO BRANCH

(909) 912-7810 3281 E Guasti Rd, Suite 550 Ontario, CA 91761

(951) 375-4800 41607 Margarita Rd, Suite 101 Temecula, CA 92591

loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040.

(909) 912-7835 21804 Cactus Avenue, Suite 102 Riverside, CA 92518

(949) 799-3050 30448 Rancho Viejo Rd, Suite 250 San Juan Capistrano, CA 92675

EXECUTIVE AGENT OF THE MONTH

Libby Rogers R. B. Haley

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Inside Features

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Dina Trafficanda

Lily Vu

Coldwell Banker Global Luxury

loanDepot®

ExecutiveAgent Magazine

SAN DIEGO - AUGUST, 2019

Editorials

E XECUTIVE AGENT

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MAGAZINE

Patterns of Buying -Linda Brakeall

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Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 297-8323 Fax: (949) 266-8757 Fred@ExecutiveAgentMagazine.com www.ExecutiveAgentMagazine.com

ADVERTISERS’ INDEX A Team Is More Than A Group Of People -Patricia Fripp

City of Hope..........................................................34 Finance of America Mortgage.................................36

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iPhotography Studio...............................................23 Kinecta Federal Credit Union................................29 loanDepot®.............................................................2

Doing The Remarkable -Jim Rohn

NAHREP...........................................................................14 PWAOR.............................................................................28

-Craig Harrison

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The Termite Guy......................................................3 Ticor Title Company...............................................25 VAREP.....................................................................15

The Challenge To Lead -Chris Widener

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Pa-ZIG-ative Thinking -Zig Ziglar

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Photography: iPhotography Studio, Michelle Fairless Photography, Rob Paino Graphic Designer: Garon T. Arrias Editorial Manager: Trudy Van Writers: Ben Angel, John Boe, Haley Freeman, Jim Rohn, Walter Sanford, Dirk Zeller, Zig Ziglar Craig Harrison, Simma Lieberman, Chris Widener © Copyright 2019 Executive Agent Magazine. All rights reserved.

Reproduction in whole or in part without written permission is prohibited. Although every precaution is taken to ensure accuracy of published materials, Executive Agent Magazine cannot be held responsible for opinions expressed or facts supplied by its authors.

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E XECUTIVE AGENT

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MAGAZINE

Written by H. K. Wilson

Lily Vu

L

ily Vu was only 11 months old when her parents embarked upon a harrowing escape from Vietnam. Their boat of 30 people was lost at sea for six days, and as food and water ran out, they were uncertain of whether they would ever reach a foreign shore. Rain brought lifesaving water, until they were

finally rescued by Filipino sailers who were searching for survivors. After spending time in a refugee camp in Palawan, Lily and her family were relocated to the U.S. to begin a new life. With no money and no English, her parents forged ahead, successfully raising and educating their four children.

ExecutiveAgent Magazine

Empowering People to Become Homeowners Lily took a job as a teller at Wells Fargo while she was still in high school. She worked her way up in the company, and before long, her job became a career. After 10 years, Lily asked to be transferred from office management to the mortgage department. “I knew I wanted to be in a customer service role because I loved building rapport and getting to know our customers. I didn’t know anything about mortgages, but I knew it was a great opportunity to grow professionally. I started out as an assistant to a loan officer who trusted me to be totally hands-on with his clients. I learned from the first transaction that communication is key.”

When Lily later switched to the builder team, she knew she had found her passion. “I love it because I still get to have that customer base and also a close relationship with the sales agents of home developers.”

Recently, Lily brought her expertise to loanDepot in San Juan Capistrano. “This is a great company that treasures its team members,” she says. “A traditional A-paper loan is just not a reality for many, and loanDepot has a huge menu of programs I can work with to help all kinds of borrowers. And our technology is so convenient for consumers and agents. There are no more paper files. They can go right to our website and have a full loan application in minutes.

Our company is so tech-driven. It makes everyone’s life so much easier.”

big deal, and there is a reason they’re asking something that late. I care about all my clients like that, but it’s especially important for first-time homebuyers who are not sure of the process. I do this every day, and I want to give them peace of mind and assurance that they are on the right track.”

As an immigrant, Lily has a special appreciation for the American Dream. For her, helping others achieve it is an especially rewarding career. “One of the things our parents taught us is how to save money. When I started working, instead of paying rent, my mom had me give her $400 a month to save for me. By the time I went to college, I was able to buy my first new car. I was able to buy my first home around the time I started doing mortgages. Savings is key to being prepared for home ownership, and I am grateful to my parents for teaching me that.”

Lily is excited about working with loanDepot, a company dedicated to providing real solutions that empower people to become homeowners. “I’m here to fulfill people’s financial needs in any way I can help. loanDepot really enables me to reach out to my clients to do so because we have so many programs that will put them into their home.”

Among loanDepot’s innovative programs is its jumbo loan product. “Borrowers can come in with only 5 percent down with no mortgage insurance. We also offer low reserves and a higher DTI of 43 percent up to $1.5 million.

It’s a phenomenal program.”

Lily Vu loanDepot® 30448 Rancho Viejo Rd., Ste. 250 San Juan Capistrano, California 92675 Tel: 714.342.7744 Email: lvu@loandepot.com Web: www.loandepot.com/lvu NMLS ID 840276

Clients appreciate working with Lily for her honesty and efficiency during the loan process. “I don’t make empty promises. When I meet with my borrowers, I lay out the timeline of the loan and what will happen next so they always know what to expect. I believe in always being there when they have questions, and I tell them they can call, text or email me even if it’s late at night. I don’t want anyone to lose sleep over a question. Buying a home is a Rates, terms, and availability of programs are subject to change without notice. loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040.

ExecutiveAgent Magazine

A Team Is More Than A Group of People

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hen John Amatt led the 1982 Canadian team on a successful Mount Everest Expedition, only three people reached the summit. Many climbers who were part of the team, whose lifetime ambition was to stand on top of Everest, made the conscious choice to stay in the base camp. Why? Because they knew the effort was likely to fail if everyone tried to make it. They chose to forego their individual dreams in favor of helping the team succeed.

This wasn’t John Amatt’s first time to plan an Everest expedition. Ten years earlier, with one of his friends from Norway, he had gathered a team of world- class climbers from many different countries, for the challenge. But at the last minute, he backed out. Officially, it was to get married. “But that was just an excuse,” he said later. “I knew that, despite having the best climbers in the world, this expedition would not succeed. Everyone wanted to reach the top for their own glory or that of their country.

No one seemed willing to make decisions for the good of the team.”

His fears proved founded. Not only did the team not cooperate to make it to the top, at one point these sophisticated expert climbers even indulged in a rockthrowing fight.

A “team” is not just people who work at the same time in the same place. A real team is a group of very different individuals who share a commitment to working together to achieve common goals. Most likely they are not all

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equal in experience, talent or education, but they are equal in one vitally important way, their commitment to the good of the organization. Any group of people -- your family, your workplace or your community -- gets the best results by working as a team.

I believe that all of us want to be part of something bigger than we are. Team relationships fulfill that basic need.

They are an immensely powerful force, yet they always need to be nurtured. Be sure to show each team member exactly how far reaching his or her contribution can be.

The team, each member, and the larger organization will enjoy greater enthusiasm and ultimately greater success.

What makes a team? Individuals who are not equal in talent, experience or education, but equal in commitment.

It is not realistic to think we can live or work with others without some conflict, but by communicating about the differences, focusing on the common goals and not throwing verbal rocks, we will make great strides.

Patricia Fripp, CSP,CPAE is a professional speaker on Change, Teamwork, Customer Service, Promoting Business, and Communication Skills. She is the author of Get What You Want! And, a Past-President of the National Speakers Association. Copyright© 2006, Patricia Fripp.

For information about Patricia’s Keynote presentations, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com http://FrogPond.com

ExecutiveAgent Magazine

Written By Patricia Fripp

ExecutiveAgent Magazine

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E XECUTIVE AGENT

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MAGAZINE

Written by H. K. Wilson

Dina Trafficanda

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ealtorÂŽ Dina Trafficanda has dedicated her 25-year industry career to serving clients with passion and respect. With her expertise in both mortgage

lending and real estate sales, Dina’s comprehensive understanding of real estate enables her to guide clients through transactions with maximum efficiency.

ExecutiveAgent Magazine

“Bridging Relationships With Every Move” While Dina is recognized as an authority in her field, it is her talent for building long-lasting relationships that truly sets her apart from others. Her motto, “Bridging Relationships With Every Move,” conveys her peoplecentric approach to the real estate process.

“I am extremely passionate about my real estate career because I love working with and helping buyers and sellers achieve their goals, whether it’s finding the perfect home or achieving the most equity for sellers,” she says.

“I love having ‘clients for life’ and building new relationships!”

From her office at Coldwell Banker Global Luxury in Carlsbad, Dina serves clients in coastal communities from Oceanside to Del Mar and throughout San Diego County.

Coldwell Banker’s global presence and marketing reach is a competitive advantage in a region where so many people from across the country and around the world are seeking second homes and investment properties. “Living and working in the San Diego area helps me become an expert in the area when a buyer is looking for their dream home.

In addition, being aware of the local market is a huge benefit to sellers. The support Coldwell Banker offers me as a professional is second to none.”

According to Dina, communication is the key to following up and following through. Professional and thorough, she is always accessible to clients and ready with current information and solutions to problems. She earns trust by listening to people’s needs, answering questions honestly and meeting expectations.

Dina has created a large community of happy clients who refer their friends and repeatedly return to her with their own real estate needs. One client expressed: “We have been working with Dina for serval years. We have enjoyed working with her very much. She represented us as a buyer and as a seller. She did a great job. She is always available when you need her. She goes the extra mile to help with any questions. or situations. You will enjoy working with Dina. She takes the stress out of buying and selling your home.”

Another said: “Dina Trafficanda is the best Realtor® around! Her enthusiasm and drive are unmatched, and she won’t stop until the job is done.”

Dina brings additional value to her real estate representation through her referral partnership with her husband, Chris Trafficanda. Chris is a licensed contractor and the CEO of Trafficanda Design/Build. “When clients are buying or selling a house that needs repairs, it’s nice to have their trust and be able to refer them to my husband. He can do remodels or build from the ground up. He also has a great team of subcontractors he works with.”

At home, Dina is a busy mom of four who enjoys spending time with her children, taking morning walks with her husband and their dog, doing pilates, cooking and reading. She is also a firm believer in paying it forward by helping others in need, so she devotes time and resources to various organizations that benefit children and animals.

“I’m very grateful to live at the beach in Encinitas and take pride in beach cleanup.”

People are at the center of every transaction Dina closes, and when the deal is done, the relationship continues. “I want people as clients for life, and I’m proud to say that most of the people I have sold to or helped sell their homes end up as friends. I love what I do and take the utmost pride in helping people achieve their real estate goals.”

Dina Trafficanda Coldwell Banker Global Luxury 7020 Avenida Encinas Carlsbad, CA 92011 Tel: 858.284.0682 Email: dina.trafficanda@camoves.com Web: www.buyorsellnorthsandiegohomes.com DRE # 01227800

ExecutiveAgent Magazine

Patterns Of Buying

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here are four common types of buyers out there in buyerland:

1. The Impulse Buyer - sees it & buys it.

2. The Investigator - researches, studies, thinks and buys.

3. The Fooler - researches (for maybe a year) and then one day walks in and buys. Looks like The Impulse Buyer.

4. The Never Buyer - investigates, agitates, & procrastinates. (Every salesperson’s nightmare!)

How do you identify who buys how? Ask questions.

You might ask the prospect directly or you might ask an assistant if the opportunity arises. “I noticed you just got a new phone system. How did that happen?” OR . . . “How did you buy your last car (or computer)?”

phones installed. ( Style #2) • Did some of the B activities, then one day called and had the phones installed the following week. (style #3) • Decided 4 years ago they needed new phones and are still having weekly meetings about it. (Style #4) Once you know the buying pattern you can tailor your presentation and your expectations to that buying style.

The reason so many salespeople - in real estate, mortgages or widgets - get frustrated is because they expect faster decisions. Many people cannot make fast decisions.

Morgan Carter, the Chicago PR guru, says: “Frustration is a function of expectations.” If your expectations are appropriate, your frustration is diminished. Lower frustration means more energy and that equals more sales.

Investigate those buying patterns!

With just a little prompting, people will tell you how they decided they need new phones: • They got out the yellow pages, made three calls, listened to three presentations the next day and had the system in place the following Friday. (Style #1) • They subscribed to Consumer Reports, called every company that made phones, poured over the literature that was sent, listened to 73 presentations, did more research, created a task force, mulled it over, presented 3 options to the president and a year from day one got the

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Linda Brakeall, GRI, CRB, is a nationally recognized expert in sales and marketing for Realtors® and Mortgage industry. She has been speaking professionally speaking, training and consulting since 1992. © 2008, Linda Brakeall. All rights reserved. For information about Linda, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com; http://www.FrogPond.com.

ExecutiveAgent Magazine

Written By Linda Brakeall

ExecutiveAgent Magazine

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Nomination Form Nominate a fellow REALTORÂŽ to be featured in one of our feature stories; on the cover as Executive Agent of the Month, or as a special feature story. All candidates must be nominated by a real estate professional. The selection process includes a questionnaire, personal interview, reference check and final approval by the Advisory Council. Candidates are evaluated based upon professionalism, length of service and uniqueness of story, as well as industry and community involvement.

I Nominate: Name_______________________________ Company___________________________ Address____________________________ _____________________________________ City, State, Zip_____________________ _____________________________________ Phone______________________________ Email_______________________________ Submitted By: Fax/Email nomination to: Executive Agent Magazine PO Box 73384 San Clemente, CA 92673 Fax: 949.266.8757 Email: Fred@ExecutiveAgentMagazine.com Tel: 949.297.8323

Name_______________________________ Company___________________________ Phone______________________________ Email_______________________________

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Cover Story

Libby Rogers Executive Agent of the Month

ExecutiveAgent Magazine

LIBBY ROGERS Real Estate Representation With An Eye To The Future

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hen Libby Rogers named her boutique real estate agency R.B. HALEY, INC. after her three children, Rex, Brittney and Haley, she knew she was staking her future — and theirs — on the reputation of the brand. Determined that the brand would be known for the highest level of professional representation delivered with personal care, she has fulfilled her vision, building a company that thrives on referrals from clients and colleagues alike. Through her progressive approach to real estate, Libby has made an art of responding to the industry’s rapid pace of change while remaining faithful to the principles of service upon which she has built her name.

The depth of Libby’s professional experience goes beyond the hundreds of millions in transactions she has overseen for clients. She is a seasoned investor in her own right who continually studies markets and trends both locally and nationally looking for worthwhile opportunities to buy and sell real property. Libby states, “It’s been getting harder to place investor resources in the San Diego market for profitable margins since things have gotten so expensive, but I work with a group that goes outside the box and is willing to spend a million or more on a property, do improvements, and then sell for upwards of $1.6 million. This investor client differs from the norm, with a willingness to operate in a higher-risk niche.”

Written by Haley Freeman - Ian Wiant Photographer

Libby has always enjoyed the challenges that come with learning new things. Her spirit of entrepreneurial adventure has kept real estate fresh for her and, in turn, relevant for her clients. In the evolving business landscape where corporate mergers and expansions have introduced new power players to the marketplace, R.B. HALEY, INC. remains a contender against larger brands. While the

agency continues to provide unrivaled service to buyers and sellers of residential properties in San Diego and the surrounding communities, R.B. HALEY, INC. is also delivering top-tier representation to real estate investors and commercial clientele spanning office, retail and assisted living facilities.

ExEcutivEAgEnt Magazine

Libby works with roughly 30 entities that are continually raising funds for investment, and with the tightening margins in San Diego, she is working collaboratively with agents in other markets to connect clients with lucrative opportunities elsewhere, including hotspots in Arizona, Georgia, Nevada, North Carolina and Texas. “Since I invest myself, I’m always looking for opportunities for my clients who also like to keep their money in real estate.

A lot have been going to Las Vegas, since the Raiders are moving there, and there is also a big medical facility going into Henderson. I look at trends that will create jobs and demand for housing so I can take my clients to places where their money doesn’t have to be parked for years to make a profit, and once it grows, they can bring it back to San Diego.”

There are still viable local investment opportunities, as well, which cross over into the commercial market.

“There’s still a good upside to the market in Riverside because they haven’t had the growth we’ve had. Temecula has always been a bedroom community for San Diego, but I think over the next few years, we’re going to see stronger commercial representation there, so people won’t have to live in Temecula and work in San Diego. I have a client who is building a 100,000 square foot office space in Murrieta, geared toward high-tech companies. Many companies need really high-tech facilities, and a building that was built even 10 years ago is probably falling behind.

We’re working on developing properties that include cutting-edge tech infrastructure and helipads, so companies from the Pacific Northwest can have a presence here in SoCal. There is a trend for tech companies to set up satellites where their talent wants to live rather than relocating employees near their corporate headquarters. There is still land available to develop in the Riverside area that we don’t have here in San Diego.”

ExEcutivE xEcutivEAgEnt gEnt Magazine Magazine

Libby also foresees a trend in the development of multiunit housing and condo-conversions in the Riverside area.

are cheap to buy, since containers are piling up as more containers arrive in the U.S. than leave.”

San Diego’s shortage of land and the corresponding scarcity of housing have given rise to a recent moratorium on permitting fees associated with building a second dwelling on existing residential lots. R.B. HALEY, INC. has partnered with U.S. Bank, which offers attractive financing for improvements and/or construction. “The city is in need of more affordable housing, and this presents a wonderful opportunity for investors to collect two rent payments on a single piece of property. We’re also seeing green housing being built from shipping containers, which

Having lived in San Diego for most of her life, Libby has cultivated affirmative relationships across the community, building a network that contributes to the unique value proposition she provides to her broad spectrum of clients. To demonstrate, Libby recently received a request to assist a plastic surgeon who was moving into the San Diego area from Boston. Eager to establish his business and home in the heart of the city and maintain a lifestyle similar to that he’d experienced on the East Coast, her client requested a location downtown.

MEET PART OF OUR R.B. HALEY TEAM ExEcutivEAgEnt Magazine

ANOTHER HAPPY CLIENT! She recalls, “I realized that the downtown area was not the best place for his business to flourish and that it would also not provide the lifestyle he was looking for. The commercial market is not MLS-driven and is more about networking within the community, so I started scouting for commercial property and thinking about who I knew. One of my agents was an investor in a beautiful building that would provide the perfect business location, but it was at capacity. I asked if there was anyone who would be leaving or who was interested in breaking their lease. As it turned out, there was a doctor who wanted to leave. My client was able to take over the lease, get into a space he would never have been able to find on his own, and allow the other party to move on. I was also able to help settle him into a home in Solana Beach, which is a great place to live and raise a family, and a short commute to work for him and his wife.”

This personal approach to working with commercial clients is something many real estate professionals in the commercial space miss. Libby’s unfailing commitment to relationship building powers a brand that is driven almost entirely by repeat and referral business. Her diverse team includes professionals of many ages and walks of life,

each of whom brings something special to the enterprise.

Libby continues to mentor new and seasoned agents, and there is ample opportunity in her organization for those looking to expand their practices in both residential and commercial markets. With so much possibility brewing, Libby is entertaining a merger that will further enhance the resources she brings to clients.

As the company continues to grow, Libby is determined that R.B. HALEY, INC. will always stand for experience and trust. “Real estate is all about timing,” she says. “You can never have a crystal ball, but our years of experience translate into knowing when it is a good time to sell or buy. And when you can’t time things optimally with the market, you need someone who has a business strategy with the right contingency plan. That all requires having somebody who is in the market every day and knows what’s happening. Once you read about it in the newspaper, it’s already old news. We’re always looking at what’s coming and how it will affect our clients in the near and distant future, so we can help people make the best choices possible today.”

E ExEcutivE xEcutivEA AgEnt gEnt Magazine Magazine

BUILDING RELATIONSHIPS ONE DEAL AT A TIME

LIBBY ROGERS R.B. HALEY, INC. 12396 World Trade Dr., Ste. 306, San Diego, CA 92128 Tel: 619.203.6597 - Email: Libby.Rogers@RBHaley.com Web: www.RBHaley.com - CalBRE # 01843189 ExEcutivEAgEnt Magazine

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he topic of leadership has been and continues to be one of the most vital topics in human history. From ancient civilizations to modern day multi-national corporations, men and women of passion, fervor and zeal have sought to discover the secrets of moving others beyond the gray of their mundane reality to the rich array of colors that embody the palate of the extraordinary life.

Every organization or collection of people, from large to small, requires ardent and skilled leaders. It has been said that everything rises and falls on leadership, and it is true. Every group, families, cities, churches, associations and yes, even nations, fulfills its purposes and potential based on the leadership it is shown.

As leaders we are given the charge, responsibility, and the privilege to see grand visions, to dream lofty dreams, to forge new ground, and to challenge and encourage those who would follow our leadership to ascend the heights with us. We beckon them to come. We implore them. All for their own good. This is to lead them toward their possibilities.

Be assured that there will be a leader of every group.

There will be those who influence others, even if you don’t. There may even be unscrupulous people who use their abilities to lead others astray. The quote “All it takes for evil to prevail is for the good man to do nothing”, remains true today, as it has through the annals of time.

This is the compelling motive for you to rise up and lead the way for others.

Our nations depend on it.

People will follow you for two reasons: They follow you because of your character, for who you are. They also follow you for your skills, for what you can do.

Make it your every effort to impart skillful and honorable leadership for them that would look to you for your wisdom, your guidance and your belief in the promise of the human spirit.

Someone will lead. Will it be you? If not you, then who will lead? If you will not lead now, then when?

Today, more than ever, you are needed. Your strong character is needed.

Your finely honed skills are needed. I know you will rise to the challenge.

Lead boldly. Lead with faith. Lead others to the pinnacle of the human existence. This is the highest calling and the reward is of the utmost kind.

Chris Widener is the President of Made For Success. He teaches leaders how to become Extraordinary Leaders.

Chris’ speaking and consulting services have challenged the best to become optimists, to pursue excellence relentlessly, and to dream big dreams. Copyright© 2001, Chris Widener. All rights reserved. For information about Chris’ speaking and consulting services, please contact the Frog Pond Group at 800-704-FROG (3764) or email Susie@frogpondgroup.com; http://www.frogpondgroup. com.

Our families depend on it.

Our community groups depend on it.

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ExecutiveAgent Magazine

The Challenge ....To Lead

Written By Chris Widener ExecutiveAgent Magazine

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• Up to 50% DTI • Portfolio lending

Government Programs • FHA Lender • VA Loans

Portfolio Investment Property Program

• 30-year amortization, due in 15 years • Customized and competitive pricing without Fannie Mae standard loan level pricing adjustments

Home Equity Line of Credit (HELOC)1 • Interest-only payment first 10 years • No fees up to $250,000

Partner with the Experts - Contact us.

Andy DeLuca Sr. Mortgage Loan Consultant cell: 949.291.7189 NMLS# 440903 adeluca2@kinecta.org kinecta.org/adeluca

Chae “Jake” Kim Mortgage Loan Consultant cell: 714.679.3710 NMLS# 346847 chae.kim@kinecta.org kinecta.org/ckim

Membership requirements apply. NMLS (Nationwide Mortgage Lending Service) ID: 407870. Information in this flyer is intended for Real Estate and Mortgage Professionals only and not intended for consumer use as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. Any expressed underwriting guidelines are subject to change without notice and are subject to Kinecta Federal Credit Union guidelines and all applicable federal and state rules and regulations.

1 Minimum credit line is $20,000. Maximum credit line is $500,000. 10-year draw period followed by a 20-year repayment period. Homeowner’s property insurance is required. Flood insurance may be required. Credit line together with any other mortgage(s) cannot exceed 85% of the property value on 1-unit owner-occupied properties. Non-owner occupied properties are not eligible. Line of credit requests over $250,000 require appraisal. Applicable appraisal fees may vary and range between $450-$650. Consult your tax advisor regarding deductibility of interest and charges. Terms and conditions are subject to change without notice. All loans are subject to credit approval.

23023SB-04/19

Doing the Remarkable

W

hen it comes to meeting and conquering the negativity in your life, here is a key question: what can you do, starting today, that will make a difference? What can you do during economic chaos?

What can you do when everything has gone wrong? What can you do when you’ve run out of money, when you don’t feel well and it’s all gone sour? What can you do?

I came across Don Miguel Ruiz, The Four Agreements the other day and it strongly resonated with this desire to pare back; to simplify; to become more real as a participant in this world and begin operating in a more authentic way.

Let me give you the broad answer first. You can do the most remarkable things, no matter what happens. People can do incredible things, unbelievable things, despite the most impossible or disastrous circumstances.

Here is why humans can do remarkable things: because they are remarkable. Humans are different than any other creation. When a dog starts with weeds, he winds up with weeds. And the reason is because he’s a dog. But that’s not true with human beings. Humans can turn weeds into gardens.

Humans can turn nothing into something, pennies into fortune, and disaster into success. And the reason they can do such remarkable things is because they are remarkable.

Try reaching down inside of yourself; you’ll come up

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with some more of those remarkable human gifts. They’re there, waiting to be discovered and employed.

With those gifts, you can change anything for yourself that you wish to change. And I challenge you to do that because you can change. If you don’t like how something is going for you, change it. If something isn’t enough, change it. If something doesn’t suit you; change it. If something doesn’t please you, change it. You don’t ever have to be the same after today. If you don’t like your present address change it — you’re not a tree!

If there is one thing to get excited about, it’s your ability to make yourself do the necessary things, to get a desired result, to turn the negative into success. That’s true excitement.

Jim Rohn knows the secrets of success - in business and in life. He has devoted his life to a study of the fundamentals of human behavior and personal motivation that affect professional performance. He can awaken the unlimited power of achievement within you! Reproduced with permission from the Jim Rohn Weekly E-zine. Copyright© 2006, Jim Rohn. All right reserved. For information about Jim’s keynote presentations and seminars, contact the FrogPond at 800.704.FROG(3764) or email susie@ FrogPond.com http://FrogPond.com.

ExecutiveAgent Magazine

ExecutiveAgent Magazine

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Pa-ZIG-ative Thinking

P

eople who are doing better than good will be sensitive to the needs of others and do the little things that make a big difference.

Sometimes little things can make a big difference. One morning at IHOP, one of the places at which the Redhead and I periodically enjoy a late breakfast, we were served by a lady from India who was pleasant and effective. A brief conversation revealed that her husband was a medical intern and as we enjoyed our visit together we experienced a delightful breakfast.

There was then a moment when the Redhead excused herself from the table. The waitress brought me the check.

I signed it and included a $10 tip. The cost of breakfast was less than the tip. When the waitress returned from the cashier, I was seated in quiet contemplation. She approached me from behind, leaned over and gave me a brief kiss on the cheek, saying, “Thank you, Sir! Thank you so much!” I was delightfully surprised.

Then it dawned on me that for me the $10 amounted to a simple “thank you.” For her it might have meant the meeting of an obligation. I always tip at least $10, regardless of whether the bill is less than that. The reason is because each of my three daughters served as waitresses while they were in school, and I well remember how thrilled they were when they received a $10 or, in some cases, a larger tip.

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Sometimes when we have abundance, when we’ve been financially blessed, we neglect to value the feelings and needs of others. That little incident, which lasted only a brief moment, made a lasting impression on me—which leads to a very important point. A little kindness, a little thoughtfulness, a little compassion, can really impact the life of another person. And it takes so little time and involves such a small investment. Yet real joy can be the outcome. Little things do make a big difference.

Today I hope you will have an opportunity to say a word of encouragement, to give an extra big smile, to use a more enthusiastic tone of voice, or anything else that will give just a word of hope. The reality is, we never know but that the other person might be in the depths of despair, and a simple act of kindness could well literally be a lifesaver.

In addition, it involves joy on the part of the gifter. Joy is what you experience when you do something for someone else, someone who cannot reciprocate your kindness.

Think about it. Give it a shot today—and tomorrow, too!

Zig Ziglar is a beloved author and America’s motivator. He is the author of 25 books and offers training and consulting to organizations all across the globe. To learn more about Zig and his business visit his website at www.ziglar.com.

ExecutiveAgent Magazine

Written By Zig Ziglar

ExecutiveAgent Magazine

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Our bone marrow transplant reunion is now standing room only.

Each year, City of Hope invites bone marrow transplant recipients and their families to attend the “Celebration of Life” event. It’s a joyous time during which survivors of blood cancers such as lymphoma, leukemia and myeloma embrace their health, their life and each other. It began more than 35 years ago when City of Hope created what is now one of the largest and most successful bone marrow transplant programs in the world. In fact, we’ve completed over 11,000 transplants and, according to national reports, our outcomes are among the best in the nation. The goal of curing cancer isn’t just something we work at. It’s what we live for.

If you have cancer, make us your first call. Or ask your doctor for a referral. We accept most insurance.

800-826-HOPE

COH-0726_BMT_Hem_fp_4c_ExecAgt.indd 1

WE LIVE TO CURE CANCER. Science saving lives. cityofhope.org/bmt

11/25/13 6:02 PM

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RYAN DABICH

Senior Mortgage Advisor NMLS-1659500

(909) 282-4506

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