EXECUTIVE AGENT MAGAZINE-INLAND EMPIRE-MAY 2020

EXECUTIVEAGENT MAGAZINE

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Lori Bowers The Lori Bowers Group Michael Phillips loanDepot®

DIGITAL LOAN

EXPERIENCE

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Ready to discover the difference?

ANNIVERS

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Today’s digital age calls for powerful solutions that deliver fast and more certain outcomes with a personalized touch. loanDepot’s digital loan experience, the mello smartloan™, was engineered to streamline the entire mortgage transaction digitally, from application to closing, creating a more superior and certain experience our customers and realtor partners can depend on.

2nd Largest

Non-Bank Lender in the U.S.

$211B+ Funded in Loans Since 2010

#

1 Retail Lender *

per Scotsman Guide Magazine

To discover the most convenient, fast, and secure way to mortgage

Richard Hedrick

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

200+ Locations Nationwide

contact me today!

Ontario Branch

Riverside Cactus Branch

Temecula Branch

San Juan Capistrano Branch

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

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

(951) 368-1850 21804 Cactus Avenue, Suite 102 Riverside, CA 92518

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

*For 2018. loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040. (040720 328766)

EXECUTIVE AGENTS OF THE MONTH

Cochren Realty Team Keller Williams The Lakes

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Professional Profiles

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Lori Bowers

Michael Phillips

The Lori Bowers Group

loanDepot® ExecutiveAgent Magazine

Inland Empire - May, 2020 Editorials

E XECUTIVE AGENT

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MAGAZINE

The Magic of Positive Thinking -John Boe

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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 Pit-Stop Of Success: The MidYear Review -Bob Corcoran

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

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iPhotography Studio...............................................23 Kinecta Federal Credit Union................................29 loanDepot®....................................................2 & 14

Nothing is Random -Mark Helprin

NAHREP...........................................................................28

P W R ............................................................................25

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The Termite Guy......................................................3 VAREP.....................................................................15

Dreamers -Chip Lowell

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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 2020 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.

7 Steps to Discovering Your Passion -Julie Jordan Scott

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E XECUTIVE AGENT

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MAGAZINE

Michael Phillips Loan Consultant Written by H. K. Wilson

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ichael Phillips enjoys the rare distinction of having grown up in the mortgage business. He started out working as an assistant to his dad, Terry Phillips, and has continued to expand on his knowledge and ability to help clients for the past eight years. Today, Michael and Terry work together at loanDepot in Ontario, with a focus on servicing homebuilders in addition to buyers of resale properties.

Michael provides mortgage support to California homebuilder Diversified Pacific Communities. Currently, he and his team are serving three new communities in Redlands, Riverside and Upland. “Serving a builder account well means that we’re always available. I generally take one or two days on the weekends to sit at a community and meet guests who come in to purchase a home. I can generate a payment and let them know what they’re getting into before they leave a deposit. I also help the sales agents cover the floor when they’re with a customer so they can give them 100 percent of their attention.”

Since the purchase of a new home often takes months to complete, Michael is proactive about maintaining client relationships and keeping all parties informed about changes to a loan. “It’s common for a purchase to take three-to-six months, and rates can change dramatically in that time. If you’re not giving someone regular attention, they begin to wonder where you are. We don’t want them calling us and asking for a status. If they’re calling us, we’re not doing our job.”

Going above and beyond in client service is something Michael says he learned from his dad. “He really trained me on how to talk to customers and to always call people back on time. He also taught me old school techniques. I can sit at a community with just a calculator and generate a house payment in 30 seconds. Most loan officers these days have to start up a computer program to do that.”

ExecutiveAgent Magazine

A Loan Consultant for the Next Generation While Micheal is skilled at doing business the oldfashioned way, he strikes just the right balance of old-school/new-school techniques. He is adept at using technology and is the office go-to for techrelated issues. He also knows how to make the most of loanDepot’s industry-leading technology to streamline the loan process and elevate service delivery to clients.

One of those systems is loanDepot’s Your Online Document Assistant intranet portal, also known as YODA, which contains all of the current program and guideline information that loan consultants need to craft the best loan solutions for their clients. Michael says that another lesson his dad has taught him about being successful in the loan business is the importance of knowing your guidelines. “One of the things I like about my dad is that he’s very knowledgeable. He knows so much about guidelines, and people reach out to him and ask him questions all the time when they’re unsure about something. He’s my personal YODA.” As a young professional, Michael brings energy and optimism to his lending practice. “I like to look at things with a fresh, new, open perspective,” he says. “Whereas some people might not like to take on the hard stuff, I don’t mind taking on the hard deals. I’m honest and upfront, and I bring quick answers. If I see an issue, I bring it up in the beginning rather than getting to the end of the race and saying you can’t really finish.”

relationships with different builders and subcontractors through the various events we host.”

According to Michael, he loves working in an industry that is helping him reach his own goals in life while he helps others reach theirs. “I love to learn, and this business always provides new challenges and opportunities. It’s helped me to realize financial savings, and I recently bought a house and got married. One of the key factors to buying a home is to find out where you stand. I like helping people figure that out so they can move forward with their lives. I want them to feel confident about their decision to buy a home. At loanDepot, we’re a bunch of cool, happy people who love to help other people achieve their dreams.”

Michael Phillips Loan Consultant loanDepot® 3281 E. Guasti Road, Ste. 550 Ontario, CA 91761 Tel: 909-912-7851 Email: MiPhillips@loandepot.com Web: www.loandepot.com/loan-officers/miphillips NMLS: 1186567

Michael provides service to his professional community as a member of the Emerging Leaders Committee of the Building Industry Association’s (BIA) Baldy View Chapter. “It’s a great way to build

ExecutiveAgent Magazine

Pit-Stop Of Success: The Mid-Year Review

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know you Realtors® do a lot of driving so here’s a driver’s ed question for you: When you’re driving, how often should you check your rear-view mirror?

A. Once every three minutes. B. Once every five to seven seconds. C. Once every 10 minutes. D. Never.

You should always watch the road in front of you.

If you said B, congratulations. Now, how often should you check how you’re doing on the road of real estate -- your business plan?

If you just said, ‘What plan?’ keep reading. You have some work to do.

Believe it or not, 2020 is almost half over. This halfway mark is a great time to stop and check how you’re doing in your business. Stop and take a look in the proverbial real estate rearview mirror. After all, if you don’t know how far you’ve come, you don’t know how much farther you have to go.

Think of it as a strategic pit stop. And these pit stops are just as important as your end-of-the-year assessments. Why? Because if you’re veering off track, it’s best to catch it early before you hit a tree or something worse.

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But what do you do in a mid-year pit stop? I’ve shared a few tips that might help you make sure you’re still on the road to success for 2020.

1. Check your sales numbers. How are your sales figures looking compared to last year at this time? If they’re less, identify what’s happening to cause that trend. I have a sales tracker I like to use with my clients. Shoot me an e-mail at Article@ CorcoranCoaching.com and I’ll send it to you free of charge.

2. Review your profit and loss statements. The profit and loss statement can be a valuable planning and a management tool because it can help you estimate expected monthly and yearly income (based on reasonable predictions of monthly sales, costs, and expenses). Record your estimates on one copy of the profit and loss statement. As actual numbers come in, record them on a second copy of the statement. Then compare the two pages to find discrepancies between the estimated and actual figures and correct problems as needed. I typically ask clients to send us their profit and loss statements every month because they are such a good management device.

ExecutiveAgent Magazine

3. Track where your business is coming from.

Take a few minutes to jot down exactly what parts of your marketing plan are working and which are not.

Don’t hesitate to shift funds from a mediocre medium to one that’s working better for you.

4. Commit to be more focused on dollar-productive activities. If you’re not making headway toward your goals, look at how much of your day is spent on what I call the four dollar-productive activities: listing, selling, negotiating and prospecting. If you’re spending time outside of these four tasks, you may not reach your 2017 goals. Adjust your schedule and get help so that you can concentrate on these items.

Don’t rule out getting an assistant. It doesn’t have to be a huge expense. Hire a part-time assistant just to give it a test run. You might find, like many of my clients, that you’ll soon want a full-time assistant.

Let me hear from you. Have you spent time with this question of what is success to you? Do you have a clear definition of success that feels right to you? Do you feel you’re making progress toward that definition? Please send any comments or questions you have to Article@CorcoranCoaching.com or http:// www.facebook.com/CorcoranCoaching.

Bob Corcoran is a nationally recognized speaker who is founder and president of Corcoran Consulting Inc. (CorcoranCoaching.com), an international consulting and coaching company that specializes in performance coaching and the implementation of sound business systems into the broker’s or agent’s existing practice. © 2011, Bob Corcoran. All rights reserved. For more information about this article or author, contact Susie@FrogPond.com. For the most current local Housing Trends, go to http://www.

HousingTrendseNewsletter.com.

ExecutiveAgent Magazine

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E XECUTIVE AGENT

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MAGAZINE

Lori Bowers Written by H. K. Wilson

as a second language. She eventually yielded to her entrepreneurial nature and worked with her husband to develop the largest lighting company in Iowa. Along the way, Lori bought and managed numerous rental properties, and she eventually relocated to California. By the time Lori obtained her real estate license in 2000, she had already bought and sold 39 properties of her own. During her first five months as a Realtor®, she sold 29 homes — and not to her friends. “I loved it,” she says. “Many people tried to warn me how hard it was, but they did not know how hard lighting was. I married Dr. Ted Bowers in 1999, and we moved from the Bay Area to La Quinta in 2001.

I knew no one, and through hard work and advertising in free handout tabloids, I sold 51 houses my first year.”

L

ori Bowers, Broker-Owner of The Lori Bowers Group in La Quinta, grew up in Iowa, where she enjoyed a childhood filled with friends and books. Her love of adventure inspired her to travel to Lima, Peru as a high school exchange student. There, she learned fluent Spanish, a skill that has been an asset throughout her life. Lori’s father invested in real estate and maintained rental properties, so she developed an interest in the business at a young age.

After graduating summa cum laude from Morningside College in Sioux City, Lori taught Spanish and English

As if Lori didn’t already have the golden touch, she met Tom Ferry at a seminar and secured him as her coach. By 2005, she was the number one agent in the Coachella Valley. Her team continued to grow, and by 2009, she employed 36 agents. Today, Lori prefers to operate as a solo agent with one licensed Realtor® who assists with open houses. The vast team of support professionals that she has nurtured over the years, including her escrow officer, title rep, lender, handyman, painter, cleaners, gardener and other tradespeople, continue to provide best-in-class service to her clients. “I think the people who gravitate to small brokerages are seeking more individual attention. I enjoy personalizing their listings and service. My listings go out to all the same websites, and I have access to all the same training as agents in big companies. But I’ve been in small business my whole life, and I like being in a position to really get to know my clients.”

ExecutiveAgent Magazine

At Home in the Coachella Valley Lori’s brand, The Lori Bowers Group, is a household name in the Coachella Valley, and she has maintained her office in Old Town La Quinta for over 10 years. Lori has sold more than 2,600 homes in the region, and she knows every neighborhood and every street. Over the years, she has developed affirmative relationships with her peers who know her reputation for professionalism, honesty and fairness. The respect she commands in her profession is an asset to her clients when she is negotiating terms on their behalf.

A client who has bought and sold numerous homes with Lori described her as “honest, enthusiastic, professional, caring and knowledgeable.” Lori’s warmth and generosity draw people to her and cause her clients to return again and again. “I like to connect with people,” Lori says. “Once they buy a house and move here, I invite them to parties and events to meet people and build a life. I have a ladies’ lunch once a month to just talk with other women who are friends and past clients. It is a great way to connect people. For many years, I did a charity event where we collected shoes for kids in Coachella at Christmas. We collected over 200 pairs of shoes and held a golf tournament with a luncheon and silent and live auction where we raised approximately $5,000 each year.”

Lori still loves travel and adventure, and she says that she has been just about everywhere in the world except Australia and New Zealand. She enjoys visiting her son in Hawaii, where she also holds a real estate broker’s license, and visiting her daughter and extended family in Arizona. When she is at home,

she loves to cook and entertain friends. Real estate remains her life’s passion, and she considers it her hobby as much as her profession.

According to Lori, there is nothing better than helping others find a place to call home in the community she loves. “I like that small town feel here; it’s all about connecting with people. I love how friendly and genuine the people are. We have sunshine every day. You know the people when you go to the post office and the grocery store. This is a safe community. We have lots of retired people, but the younger people here are very respectful. It’s easy to get around with minimal traffic. And best of all, it’s affordable. That’s one of the reasons I wanted to move here to sell real estate. There are homes available at all price points. You can still buy a nice house for around $300,000, or you can buy a luxury estate for $15 million. It’s wonderful to be in a place where you love to live and also enjoy your work.”

Lori Bowers – Broker/Owner The Lori Bowers Group 78065 Main St. La Quinta, CA 92253 Tel: 760-831-1595 Email: theloribowersgroup@gmail.com Web: http://loribowersgroup.com DRE # 01293735

ExecutiveAgent Magazine

7 Steps to Discovering Your Passion

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ven before the first tip, you simply must get out a notebook, journal, piece of paper, napkin...

SOMETHING to write on to save your discoveries! These tips will only help if you pursue them, so please either take a moment to find writing tools NOW or print this out and promise yourself to complete this exercise later. It may take you some thinking time to get it done... and now... here are your tips...

or your SPOUSE wants or your third cousin twice removed, but what do YOU want your headstone to say?)

1. Find Your Joy Factor Look at the whole of your life history. When did you experience the most sustained period of Joy? What were you doing then?

Where were you? Who were you with? How did it feel?

6. How does your Joy factor overlap with your favorite things and the areas in which you excel?

Do the areas in which you excel bring YOU joy, or are they really for someone else.....do you see which are obvious matches, and which do not fit? Those that overlap, that bring YOU the most Joy, are most likely the things that would bring you into Passionate Living.

2. What Are Your 3 Most Favorite things to do?

If you had a free day with NO commitments, where would you be found? What would you be doing with whom?

3. In what area do you excel? (NO MODESTY ALLOWED HERE!)Truly, what are you complimented on a lot? This could be ANYTHING. 4. What do you most want to be remembered for? If you were designing your epitaph, what would you want it to say? (NOT what your Mom wants, 12

5. If you had a magic wand, what would you change about your life TODAY? How would it look compared to how it looks now? Which aspects of your life ARE changeable, both short term and long term?

7. What is the first even teeny tiny step you can take to living out your Passion as you have defined in #6? Take some time to really think this one through... concentrate and focus, and then you will be able to start the next step... BUILDING YOUR ROADMAP.

By Julie Jordan Scott

ExecutiveAgent Magazine

ExecutiveAgent Magazine

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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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2

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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 District 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

HELPING MILITARY & VETERAN

FAMILIES REALIZE THE

AMERICAN DREAM! 2,600 + VETERANS

EDUCATED ABOUT HOMEOWNERSHIP

1,500 + FAMILIES

WHO WE ARE Established in 2011, the USA Homeownership Foundation, Inc. DBA Veterans Association of Real Estate Professionals (VAREP), is a nonprofit 501(c)(3) organization dedicated to increasing sustainable homeownership, financial-literacy education, VA loan awareness, and economic opportunity for the active-military and veteran communities.

WERE HELPED THROUGH VAREP CARES

750 VETERANS PLACED IN HOMES THROUGH OUR PROGRAMS

119 HOUSING SUMMITS TO EMPOWER VETERAN HOMEOWNERSHIP

WHO CAN JOIN? Any individual regardless if you have served or not. VAREP and its members represent and work within all sectors of the real estate, housing and financial services industries...

WE WANT YOU!

OUR FIVE POINT PLAN 1. Homeownership Advocacy – Advocate nationally to develop programs that reduce barriers to homeownership in the military and veteran communities.

2. Community Outreach – Foster responsible homeownership in the military and veteran communities by providing housing education and counseling services.

3. Professional Membership – Provide a place where real estate and financial service professionals can share ideas, get educated, and be empowered to better serve the real estate needs of service members, veterans, and their families.

4. Veteran Job Creation – Provide employment opportunities through posting on our military and veteran job board. We are also working on creating awareness among companies to include veteran-owned businesses in their supplier diversity program.

5. Affordable Housing – Provide affordable home buying opportunities for veterans and service members who have gone through VAREP’s homeownership education counseling services.

info@VAREP.net | w w w .VAR EP. n e t | 951-444-7363 VAREP IS A 501.C.3 NON-PROFIT ORGANIZATION AND YOUR CONTRIBUTION IS TAX DEDUCTIBLE. USA HOMEOWNERSHIP DBA VETERANS ASSOCIATION OF REAL ESTATE PROFESSIONALS TAX ID: 45-2458485

EXECUTIVEAGENT MAGAZINE

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

ExecutiveAgent Magazine

Written by H. K. Wilson

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n an increasingly complex world, real estate duo Misty and Stephen Cochren have the antidote: real estate made simple. As longtime residents, homeowners and business owners in the Lake Elsinore community, their goal is to walk side-by-side with their clients every step of the way through the process of buying or selling a home. In doing so, they build quality relationships with their neighbors that transcend the bounds of any one transaction and create bonds to last for generations to come.

Raised by a hardworking single mom, Misty helped make ends meet by working as a receptionist in a real estate office when she was only 14 years old. At 17, she moved to property management, and by the time she was 20, she was a manager responsible for hundreds of units.

As she advanced in her career, she traveled extensively to look at new properties and consult about the setup of the company’s offices. Then, before she passed away, Misty’s godmother had an important message for her: “Do something you love, and spend more time with your kids.”

ExecutiveAgent Magazine

Misty and Stephen Cochren Real Estate Made Simple

Misty took the lesson to heart. She got her real estate license, and in the first nine months, she sold 20 homes.

As her numbers kept increasing into her second year, the phone rang with companies seeking to recruit her.

Meanwhile, Stephen was doing something dear to his heart: coaching youth football. Also raised by a single mom, Stephen developed a strong work ethic and loved the opportunity to inspire young people through sports.

But as Misty’s business continued to thrive and they

received news that their fourth son was on the way, he felt compelled to join her in real estate.

“The rest is history, and I love what I’m doing,” Stephen says. “It’s turned into something I never expected. When we found out we were having our last little guy, it changed the game dramatically. Misty was on bedrest for almost seven months, so I just got pushed right in. After my first listing appointment, my confidence was through the roof.”

ExecutiveAgent Magazine

Married for 24 years, Misty and Stephen have four sons spanning ages 1 to 19. The whole family loves sports, so you will often find them on a playing field cheering on whichever local team happens to be competing. On weekends, their home is filled with their sons’ friends, and they wouldn’t have it any other way. Misty and Stephen are also community advocates who are constantly giving back, whether they are filling backpacks for school, helping someone pay a utility bill or hosting community events like garage sales and concerts in the park.

Amanda Neitz Team Member

“We’re super competitive, but we have fun with it,” Misty laughs. “We have a coffee cup that says ‘rainmaker.’

Sometimes he gets to drink out of it, and sometimes I get to drink out of it. One of Stephen’s greatest strengths is that he builds value on listing appointments. The feedback I get from people is that he cares more about them than he does about selling himself. It’s about what they need. He’s also very detailed and super patient with people. We’re a good balance.”

“Misty can all around do it all,” Stephen says. “She can be out there with clients and also handle the backend and all the logistics that a lot of people don’t see. I leave all the tech to her. We’re able to divide and conquer so everything gets done well.”

Ranked the number one husband-and-wife team in cities throughout the Inland Empire, it’s no wonder that agents are constantly seeking a spot on their team. However, Misty and Stephen are selective about who they bring on board, as they are committed to finding professionals who share their values and dedication to client service. “We want our team brand to remain intact at all times,” Misty says. “We won’t compromise the quality of our service in exchange for numbers.”

ExecutiveAgent Magazine

Jonathan Everett Team Member

With dozens of five-star client reviews and a large community of repeat and referral clients, it is clear that trust is at the core of the Cochren Realty Group’s success. “We want our clients to enjoy the process and never regret any decision they made in moving forward with us,” Misty says. “We’ve sold homes for couples going through divorce, for active military, and people in all kinds of sensitive situations. Agents get caught up in putting another post in the ground and moving on. We just want to help people reach their goals, and we’re never going to change.”

advertising, communication, subs (lenders, escrow, contractors, etc.) are all amazing. I highly recommend using them. You won’t be disappointed.”

A recent client who both bought and sold a home with Misty and Stephen affirmed: “All I can say about the Cochren Realty Group is wow. They are an amazing team working for you. They are honest about everything — prices, time to sell, etc. Their marketing skills,

ExecutiveAgent Magazine

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Now You Can Get Executive Agent Magazine Online!

We’ve Gone Digital So You Have Access To All Executive Agent Has To Offer-On The Go, Anytime, Anywhere

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Search for Articles

Interact and Connect

Executive Agent Magazine www.ExecutiveAgentMagazine.com 949.366.3349 Info@eamag.net www.ExecutiveAgentMagazine.com 949.297.8323 Fred@ExecutiveAgentMagazine.com

OUR MISSION P W R’S MI SSI ON To remain the preeminent real estate association in UPHOLDING PROFESSIONAL

STANDARDS, PROVIDING VALUABLE EDUCATION, and PROTECTING PROPERTY RIGHTS through political advocacy for our REALTOR® members and the public.

To Learn More About the Pacific West Association of REALTORS®, Please contact Lalaine Castillo at lalainec@pwr.net.

Dreamers

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ExecutiveAgent Magazine

A

re you setting goals that others want you to achieve or are you setting them just for you?

Many times, what we think we want out of life is really what our Mom or Dad told us we should want. Sometimes, it’s looking around at our friends, seeing what they have, and thinking that’s what we should want, too.

When you set a real goal for yourself, make sure the reasons you write down as to why you want to achieve it is powerful enough to make you take action consistently towards it. We have lots and lots of people sign up for our online goal setting software that cancel (yes, they even cancel the free membership) because they feel overwhelmed by action item email. Action Items that users themselves set up to remind them to take action toward a goal. If you look at your to-do list

and feel “AAAAAAAAAAAAAAAHHHHHHHHHHHH, too much!”

You might want to revisit your overall goals. If the actual taking action is too stressful, you may not really want to achieve a particular goal or two. Drop anything that seems stressful for now. Set goals that make you feel good! And taking action towards them makes you feel powerful! Then, the goal is really one of your dreams -- and not someone else’s.

Have a great Day! Chip Lowell

By Chip Lowell, creator of MyMotivator helps you achieve your goals with powerful and easy web based Goal Setting software -- Sign up and start taking action today!

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W E

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FAMILIA Looking for more than a network?

路 Professional support and education 路 Market intelligence for business growth 路 National industry events and relationship building 路 Invest in yourself and make a difference

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Contact our construction-to-permanent experts today.

Tayt Ianni Sr. Mortgage Loan Consultant cell: 949.689.8639 | efax: 310.727.9119 NMLS# 310914 | tayt.ianni@kinecta.org kinecta.org/tianni

Joe McGreevy Mortgage Loan Consultant cell: 714.396.1619 | efax: 310.536.3621 NMLS# 66072 | joe.mcgreevy@kinecta.org kinecta.org/jmcgreevy

Brad Martin Construction Lending Manager cell: 949.293.1900 | efax: 310.536.3622 NMLS# 260513 | Bradley.Martin@kinecta.org kinecta.org/bmartin

kinecta.org/construction-to-perm Membership requirements apply. NMLS (Nationwide Mortgage Lending Service) ID: 407870. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant’s credit history, and other financial circumstances that may apply.

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The Magic of Positive Thinking

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es, there is magic in positive thinking! In aviation, the word attitude means the angle at which the plane meets the wind, whether the wings are level with the horizon, and whether it is climbing or descending. The pilot who fails to take responsibility for the attitude of his aircraft is in serious trouble. And likewise, any person who has not taken charge of his or her own beliefs and attitudes runs a similar risk.

The key to cultivating and maintaining a positive mental attitude is to take control of your thinking and avoid negative minded people. It’s a challenging task to develop a calm, focused mind, but well worth the effort.

Every setback and failure you experience also comes with a great opportunity. When one door closes, a window of possibility opens. The key is to look for the opportunity and avoid dwelling on failure. Think thoughts of defeat and you are bound to feel defeated. Your attitude is not determined by circumstances, but by how you respond to those circumstances. You determine your attitude; you always have the choice to respond either positively

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or negatively. What happens to a person is less important than what happens within them. The great inventor, Thomas A. Edison, was known for his positive mental attitude.

In December 1914, the Edison Laboratory in West Orange, New Jersey, was almost entirely destroyed by fire. Edison lost $2,000,000 worth of equipment and the records of much of his life’s work. The morning after the fire, as the 67-year-old inventor walked among the ashes, he was anything but defeated. Looking around, he remarked, “There is great value in disaster. All our mistakes are burned up. Thank God we can start anew.” Yes, there is magic in a positive attitude!

John Boe, based in Monterey, CA, is recognized as one of the nation’s top sales trainers and motivational speakers. He helps companies recruit, train, and motivate salespeople to achieve peak performance. John is a leading authority on body language and temperament styles. To view his online Video Demo or to have John Boe speak at your next event, visit www.johnboe.com or call (831)375-3668.

ExecutiveAgent Magazine

ExecutiveAgent Magazine

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Nothing is Random

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ExecutiveAgent Magazine

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othing is random, nor will anything ever be, whether a long string of perfectly blue days that begin and end in golden dimness, the most seemingly chaotic political acts, the rise of a great city, the crystalline structure of a gem that has never seen the light, the distributions of fortune, what time the milkman gets up, the position of the electron, or the occurrence of one astonishingly frigid winter after another.

Even electrons, supposedly the paragons of unpredictability, are tame and obsequious little creatures that rush around at the speed of light, going precisely where they are supposed to go. They make faint whistling sounds that when apprehended in varying combinations are as pleasant as the wind flying through a forest, and they do exactly as they are told.

Of this, one can be certain.

And yet there is a wonderful anarchy, in that the milkman chooses when to arise, the rat picks the tunnel into which he will dive when the subway comes rushing down the track from Borough Hall, and the snowflake will fall as it will. How can this be? If nothing is random, and everything is predetermined, how can there be free will? The answer to that is simple.

Nothing is predetermined; it is determined, or was

determined, or will be determined. No matter, it all happened at once, in less than an instant, and time was invented because we cannot comprehend in one glance the enormous and detailed canvas that we have been given - so we track it, in linear fashion, piece by piece. Time, however, can be easily overcome; not by chasing light, but by standing back far enough to see it all at once.

The universe is still and complete. Everything that ever was, is; everything that ever will be, is - and so on, in all possible combinations. Though in perceiving it we imagine that it is in motion, and unfinished, it is quite finished and quite astonishingly beautiful.

In the end, or rather, as things really are, any event, no matter how small, is intimately and sensibly tied to all others. All rivers run full to the sea; those who are apart are brought together; the lost ones are redeemed; the dead come back to life; the perfectly blue days that have begun and ended in golden dimness continue, immobile and accessible; and, when all is perceived in such a way as to obviate time, justice becomes apparent not as something that will be, but as something that is.

Winter’s Tale

by Mark Helprin

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

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

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