JULY 2017 S. ORANGE COUNTY by Executive Agent Magazine

EXECUTIVEAGENT MAGAZINE

Executive Agent of the Month

PROFESSIONAL PROFILES Dee Dee Bandak Mary Van Dorn Raul Garcia Heather Jones Tina Nikkhah Hugo Pompa

TOP INDEPENDENT MORTGAGE LENDER IN TOTAL PURCHASE VOLUME IN SOUTHERN CALIFORNIA

2016 OVERALL TOTAL PURCHASE VOLUME ORANGE, LOS ANGELES, SAN DIEGO, SAN BERNARDINO, RIVERSIDE, VENTURA & IMPERIAL COUNTIES

NEW AMERICAN FUNDING

LENDER #2

LENDER #3

$2,175,680,079

$1,601,374,024

$1,434,262,801

TOM BRIGGS

ROB BRIGGS

BRIAN KERANEN

Branch Manager Huntington Beach

Branch Manager Newport Beach

NMLS #303474

NMLS #171371

NMLS #483697

PHIL CHENIER

RON BROWN

DUSTY LLOYD

Branch Manager Long Beach

Branch Manager Mission Viejo

NMLS #359384

NMLS #256933

NMLS #247106

DANIEL PEREZ

CHRISTOPHER PALISKA

Branch Manager Anaheim

NMLS #255550

NMLS #1076530

PARTNER WITH US

WWW.NEWAMERICANPARTNER.COM

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS ID#6606. Â© New American Funding. New American and New American Funding are registered trademarks of Broker Solutions Inc. dba New American Funding. All Rights Reserved. Corporate Office is located at 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 04/2017

Executive Agent of the Month Frank Agahi RE/MAX OMEGA

24 19

Professional Profiles

Dee Dee Bandak

Mary Van Dorn

Raul Garcia

Monarch Realty Group

Kinecta Federal Credit Union

RE/MAX Champions

Heather Jones

Tina Nikkhah

Hugo Pompa

@VANTAGE Real Estate

New American Funding

RE/MAX New Dimension

ExecutiveAgent Magazine

July, 2017 - S. Orange County

Editorials 12

Keep It Simple -Awareness Institute

The Power Of Choice -John Boe

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Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 366-3349 Fax: (949) 266-8757 Fred@eamag.net www.EAMag.net

ADVERTISERS’ INDEX Finance of America Mortgage................27 & 31 iPhotography Studio...............................................25 Kinecta Federal Credit Union...............................13

Quality Deals -Steve Cook

loanDepot®.........................................................................9 New American Funding.....................................................2

PWAOR...................................................................38 The Termite Guy......................................................3

A Good Life Contains These 6 Essentials -Jim Rohn

Ticor Title Company...................................................40 Wells Fargo Home Loans.............................................39

Photography: iPhotography Studio, Ian Wiant, Rob Paino Graphic Designer: Garon T. Arrias Editorial Manager: Trudy Van Writers: Haley Freeman, Shannon Hartsoe Editorial Writers: Linda Brakeall, Bill Brooks, Tamara Dorris, T Scott Gross, Chris Widener, Dirk Zeller, Zig Ziglar

The Complete Guide To True Wealth -Mohammad Shafi’e

© Copyright 2017 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.

It’s Healthy To Be Happy -Zig Ziglar

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Written by Haley Freeman

Tina Nikkhah

Raising Home Lending to an Art Form

ina Nikkhah moved to California shortly after earning her bachelor’s degree in commercial design from the University of Tulsa. She went on to use her creative talents to manage exclusive retail stores in Beverly Hills, where she catered to the needs of celebrities and film moguls. Once she relocated to Orange County, she began selling real estate, earning her place as a top-producer at Grubb & Ellis.

Then a friend suggested she give mortgage lending a try, and she found the perfect outlet for her unique creative abilities and sharp business acumen. “I loved it as soon as I realized how much creative thinking was involved in helping people get home loans. With so many different programs, life circumstances and guideline changes, you have to be willing to think outside the box. It allows me to use that creative side of me, and I think it makes me a better Loan Consultant.”

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Today, Tina brings her extraordinary 27-plus years of comprehensive experience and creative mindset to New American Funding, a direct lender and thought leader in the industry. Innovation is a hallmark of this progressive company, known for its visionary program options and leading edge technology. Tina is right at home in a company where new ideas are welcome and customer satisfaction comes first. “I love this company and what they represent,” she says. “I’ve known the founders, Patty and Rick Arvielo, for many years, and I’ve seen the company grow from 15 Loan Consultants to a nationwide company. Their doors are always open, and they are always looking for new marketing ideas and new program niches in the industry. They really care about their employees and provide an amazing work environment. I’m proud to be part of this company.” The positive business culture at New American Funding frees its personnel to treat clients and professional partners with the utmost care, a quality Tina is well known for. She is transparent in her communications and delivers on what she promises. “For me, it’s all about the relationships I build with people. I value them as human beings, and I really care about doing what’s best for them.” With a repeat and referral rate topping 75 percent, clients have the highest praise for Tina, describing her as “very kind and patient, with excellent communication skills,” “calm, detail-oriented and honest,” “helpful, responsive and knowledgeable,” and “an absolute pleasure to work with.” Tina is also respected among her colleagues, as evidenced by a recent encounter one of her clients had with a local Realtor®. “When the Realtor® found out she was buying a home, he told her he could refer a good Loan Consultant. She declined, but he said, ‘I’ll send you the name anyway, in case you want to talk to her.’ It was my name he sent to my client! It was such a compliment and a confirmation for her to know she was in good hands.” New American Funding supports Tina in providing top-notch service to her real estate partners, with the most significant co-marketing platform in the industry. “For seven years, we stay right in front of the homebuyer with marketing pieces and mortgage statements that include pictures and contact information for their Loan Consultant and

Realtor®. We are committed to bringing our agents more business. Since I’ve been in real estate, I understand how much struggle they go through to earn that business in the first place. My goal is to always keep that in mind, by getting our approvals through smoothly and keeping closing dates. We cater to the purchase market here and make sure our files move in a timely manner. There are many loans we can close in 14 days, something that is rare now because of all the disclosures required by law.” A positive individual with an imaginative spirit, Tina seeks new knowledge and experiences that will spark her creativity and enhance her performance as a Loan Consultant. She enjoys yoga and meditation, and expands her education through business coaching, books and seminars. “I am constantly doing things that are self-motivating and surrounding myself with people who are empowering to me and to themselves.” Together with New American Funding, Tina is raising home lending to an art form by applying a generous dose of creativity to the mix of skills it takes to deliver the ideal mortgage experience. Tina Nikkhah Loan Consultant New American Funding 26 Corporate Plaza # 180 Newport Beach, CA 92660 Tel: 949-378-5633 – 949-791-3636 Email: tina.nikkhah@nafinc.com Web: www.newamericanagent.com/TinaNikkhah NMLS ID 304597

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS ID#6606. © New American Funding. New American and New American Funding are registered trademarks of Broker Solutions Inc. dba New American Funding. All Rights Reserved. Corporate Office is located at 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 08/2017.

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Quality Deals ’ve been meaning to write this article for quite some time on real estate investing advice, and those who have heard me speak in the last couple of years have already gotten an earful of this. This topic isn’t about a neat investing technique or new idea, but about a mindset. It’s my mindset and one that I believe will make many other people successful.

What are quality deals? They’re real estate deals that contribute to the advancement of your goals. They get you moving in the direction that you want to go. Many investors start buying homes with no idea of what they really want to accomplish with investing. As a result, they buy anything that looks like a deal and, all too often, get pulled in directions they never intended to go.

Back in 1998 when I took my first step into real estate investing, I was given strong real estate investing advice by others around me who believed you had to be a dominant force in your market to make real money. They stressed doing as many deals as possible and beating out the competition. The world around me was saying that the person who does the most wins. More real estate deals lead to more profits which ultimately leads to greater success – all going hand-in-hand.

Your goals should drive your decision making. For example, a person who needs money today and buys a property to keep it as a rental is contradicting or not fulfilling the original goal. Rental properties will not reap quick, fast cash today. Let’s say your goal is to free up your time so that you can do other things important to you. If you only want to work 20 hours a week and are taking on deals that require 40 hours a week, you’re not doing quality deals. You’re focused on quantity.

As a newbie, I took the advice to heart and did over 100 deals in my first two years. I was proud of my real estate investing accomplishments and knew many around me were impressed with my successes. However, when I stopped to look at the big picture, I was doing a lot of deals and making more money than ever before, but I had little control elsewhere. My time wasn’t my own and the deals truly controlled me. In short, I wasn’t living a life that felt fulfilling.

We need to make sacrifices to achieve the success that we desire, but need to be careful not to sacrifice the important things in life. If you are pursuing investing to achieve a better quality of life, focus on quality deals and not quantity.

I’ve talked with many investors across the country and always ask what draws them to real estate investing. The answers vary, but typically can be summed up in one sentence, “I want a better quality of life.” Over my years of investing, I have come to realize that QUANTITY does not lead to QUALITY. My advice, if you want real estate investing to provide you with a good quality of life, you need to pursue good quality deals, not a good quantity of deals.

Since 1998 Steve Cook has flipped many hundreds of houses as an active Baltimore-area real estate investor. Steve’s unique specialty is the “flipping homes 1-2 punch”, a proven system of real estate investing that powerfully combines wholesaling and rehabbing houses. Also the founder of www.FlippingHomes.com, Steve is dedicated to helping others in this thriving online community succeed through understanding and aggressively applying his time-tested, step-by-step approach to flipping real estate. Get FREE weekly tips from Steve Cook and other house flipping experts at www.flippinghomes. com.

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Written by Haley Freeman

HUGO POMPA

rowing up, Hugo Pompa remembers his uncle always saying, “If you’re going to do something, be the best at it.” A Santa Ana native and

the oldest of five brothers, Hugo attended college with aspirations of a career as a psychologist or counselor. His uncle prompted him to consider real estate instead.

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STRIVING TO BE THE BEST “I was an associate teacher for YMCA at the time, and I knew I enjoyed working with people, so I decided to look into it,” Hugo recalls. He began interviewing brokers in his area, and eventually he met Edgar Adame. “I stuck with him because I liked what he offered and how he worked. He needed a personal assistant, and I did that so I could be in the office full time and learn from him.” Hugo put his uncle’s advice into practice and committed himself to acquiring the skills that would put him among the best in his profession. As the market took a downturn, Hugo did all he could to remain active in real estate, including getting his notary license to supplement his income. His tenacity led to a new opportunity. A friend referred him to a company that was managing large real estate portfolios and foreclosures for banks across the U.S. “I knew this was my career and the thing I wanted to do. I started with the company as an administrative assistant then moved up to an evictions manager, which put me in touch with a lot of attorneys, making sure the process was done correctly. Finally I was promoted to an asset manager and began meeting agents all over the country.” While Hugo expanded his repertoire of skills, he also increased his compassion for people. “It was a great learning experience and a scary time for a lot of people. It put a lot of things into perspective for me in terms of being more money wise. It made me more attentive to my own future and family and helped me prioritize what is important. It also helped me to understand how important it is to give people the best possible advice when you’re helping them buy a home.” As the market shifted yet again, Hugo saw the path was open for him to return to traditional real estate sales. Armed with even greater industry knowledge and a huge community of agents with whom he had maintained relationships, Hugo began building his client base. His journey finally brought him full circle, and he is again working with Edgar Adame, now broker-owner at RE/ MAX New Dimension in Santa Ana.

and room to grow so that I can continue to improve the quality of my service. Everybody knows the RE/MAX brand, which is powerful. It automatically gives people a sense of comfort and trust, which is one of the pillars you need to help someone buy or sell a home.” As he works with buyers and sellers, Hugo strives to educate his clients and keep them informed throughout the real estate transaction. He sets the right expectations at each stage and then follows through to create results consistent with his clients’ goals. Vital to this process is his use of technology to facilitate optimum communication. “The business is completely different than it was in the early 2000s. If you want to survive, you have to stay on top of change and embrace it. One of the things we’re doing here is sending video messages to our clients with updates about their transaction. It’s more personal and interactive than a text, but not as invasive as a phone call. They get that experience of personal service without having to be there.” Hugo says that while so many aspects of real estate today happen online, building rapport with clients, as well as other agents, is the cornerstone for providing the best service. “People today go to an app to find homes they’re interested in and call the agent for information. I take the time to build rapport by giving them other alternatives in the area and opening the door for whatever is available. Real estate is now. It’s live. People want a response and answers right away. I do my best to be responsive and available, and give them honest answers and feedback so they can make the best decision possible.” Hugo Pompa RE/MAX New Dimension 2001 E. 1st St., Suite 205 Santa Ana, CA 92705 Tel: 714-710-1400 Email: HugoPompa@remax.net Web: www.Hugo.SantaAnaHomeListings.com CalBRE #01466566

“Edgar reached out and asked me to join his team. It was great because I knew we had the same goal: staying atop the industry while helping families get into homes. This is why I love real estate. He provides the leadership ExecutiveAgent Magazine

Keeping it Simple

ver the past few months, the concepts of stripping back the superfluous, simplifying and pulling apart the true meaning of integrity have been strong personal themes. For many people, there’s a drive to again inspect old patterns that continue to run happily in the background despite years of self-examination. Perhaps under the direction of a new global energy, there’s a sense of being able to lovingly let go of those things that have served us all well on one level, yet have offered excuses to stay small on another. 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. With these 4 simple tenets, we could literally change the way we as humans operate in this world. How do they resonate with you? Please feel free to share your thoughts, we’d love to hear from you. 1. Be Impeccable with your Word: Speak with integrity. Say only what you mean. Avoid using the Word to speak

against yourself or to gossip about others. Use the power of your Word in the direction of truth and love. 2. Don’t Take Anything Personally: Nothing others do is because of you. What others say and do is a projection of their own reality, their own dream. When you are immune to the opinions and actions of others, you won’t be the victim of needless suffering. 3. Don’t Make Assumptions: Find the courage to ask questions and to express what you really want. Communicate with others as clearly as you can to avoid misunderstandings, sadness and drama. With just this one agreement, you can completely transform your life. 4. Always Do Your Best: Your best is going to change from moment to moment; it will be different when you are healthy as opposed to sick. Under any circumstance, simply do your best, and you will avoid self-judgment, self-abuse, and regret. ~ Don Miguel Ruiz The Awareness Institute in Australia empowers people to transform their world. For more information go to: www.awarenessinstitute.com.au.

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Getting just a mortgage is so last year.

That’s why we’re gifting your clients a fabulous perk when they finance their home purchase with Kinecta. We’ve partnered with Househappy to offer traxplus.

Traxplus is a convenient web app that puts your clients’ home information at their fingertips and makes maintenance easy:

Includes an in-person initial data collection by a home data collection specialist Automated service reminders A dedicated home services concierge & more!

Free traxplus1 for your clients! $99 value

Once they’ve funded their Kinecta mortgage we’ll gift them the traxplus1 service.

Let’s elevate your clients’ home buying experience. Erik Jenner, NMLS# 38025 Manager Mortgage Loan Sales direct: 949.253.5337 | cell: 949.293.1237 Erik.Jenner@kinecta.org www.kinecta.org/ejenner Visit www.kinecta.org/househappy to learn more.

All loans are subject to credit approval. NMLS #407870. Intended for mortgage professionals only and not for consumer use. Househappytrax and Househappytraxplus home services are made available through a partnership with Househappy. Househappy is not affiliated with Kinecta or its affiliates. All costs and fees associated with the services offered through Househappy are the responsibility of the user. Kinecta reserves the right to modify or cancel these offers at any time. 1 Kinecta will cover the cost of the traxplus service (valued at $99.00) for Kinecta members who finance their home purchase with a Kinecta mortgage in the state of California. Eligible mortgage applications must be submitted on or after 1/1/2017. If eligible and upon consent, qualified borrowers will be enrolled in traxplus upon completion of a home purchase transaction. Additional costs and fees, such as renewal fees, are the responsibility of the user. 15721-02/17

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Mary Van Dorn Written By Haley Freeman

oan Consultant at Kinecta Federal Credit Union, Mary Van Dorn says, “I’m very much an entrepreneur at heart. My parents were both extremely successful real estate agents in Orange County. Growing up, my mom taught me to be courageous.

Anytime I’d say I wanted to try something, she’d say, ‘Why not?’ My dad was always a listing agent, and he taught me tenacity. He would say, ‘There’s no such word as can’t, so get that word out of your vocabulary.’” Those early lessons, combined with Mary’s enterprising spirit, have made her an unstoppable force in nearly every aspect of mortgage lending. Her first success as a processor and underwriter led to a position in operations management. Then, Mary decided to take a step back to have her first child. Determined to balance the demands of family with the career she loved, she channeled her inner entrepreneur and began working as a contract processor, while also teaching at the American School of Mortgage Banking. Later, she created and ran her own successful mortgage brokerage. Nearly four years ago, she brought her extraordinary repertoire of business and lending expertise to Kinecta, where she has the freedom to focus on the aspects of her profession she loves most: building relationships with people and moving challenges aside to help them reach their goals.

“At Kinecta, fantastic service begins with a local, dedicated processing team.” “Everyone here takes a lot of pride in their work,” Mary says. “I have unbelievable access to my underwriting team, which allows me to send files ahead for a quick look to make sure we’re looking at it the same way. There’s a real team spirit here in terms of working together to understand our borrower and provide the best possible loan for them.”

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Your Lender For Life

Mary is a self-proclaimed “numbers nerd” who loves a challenge, and Kinecta provides the resources she needs to assist everyone from first-time buyers to hard-to-qualify, self-employed borrowers. Since it’s easy to become a member of Kinecta Federal Credit Union, virtually any buyer can take advantage of their competitive rates and products.

”I love to take on loans other people can’t get done. It’s not about smoke and mirrors, it’s just a matter of delving in a little bit more to find solutions.” “As a credit union, we’re a nice halfway spot, since we’re a direct lender and also have our own portfolio of products. And it’s hard to beat rates at a credit union.” As an entrepreneur who understands the importance of reliability and professionalism, Mary is an invaluable asset to her real estate partners. Realtors® can always refer their clients to her with confidence, knowing she and Kinecta will get them a great program at a great price. “I know how critically important every commission is to them, and I know when agents turn their borrowers over to me, their livelihood is sitting in my hands. Their referrals deserve respect, and are never taken for granted. I have some Realtors® I’ve worked with for 20 years, and I appreciate the trust they’re placing in me. I’m going to protect their buyers and transactions.”

A longtime resident of Orange County, Mary is also a regular contributor to the community, whose deep love of children inspires her to serve on the board of directors for Thomas House Family Shelter and Protect the Children Foundation. In her free time, Mary loves dancing and Zumba so much that she built a dance studio in her garage. Wherever she goes, whether she is out for a hike or just about town, her Labradoodle, Trinka, is her constant companion. “She is named after my daughter’s imaginary friend when she was 5.” Mary is the undisputed, go-to lending source for generations of families who trust her with their most precious investment. At Kinecta Federal Credit Union, she continues to provide exceptional service while doing the work she loves. “I enjoy helping people find the financing that is perfect for their short and long-term goals. I want to be their mortgage person for life.” Mary Van Dorn Kinecta Federal Credit Union 4041 MacArthur Blvd., Suite 100 Newport Beach, CA 92660 Tel: 949-275-8838 Email: mvandorn@kinecta.org Web: https://www.kinecta.org/mvandorn NMLS ID 1034211

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The Power of Choice

n aviation, the word “attitude” is a term that refers to the angle that the plane meets the wind, if the wings are level with the horizon and whether the aircraft is climbing or descending. The pilot who fails to take responsibility for the attitude of his or her aircraft is in serious trouble. And likewise, any leader who fails to control their thoughts and take responsibility for their attitude runs a similar risk with their organization. As a sales manager, you not only set the pace for your sales team, but you’re responsible for setting the tone as well. For better or worse, the leader’s attitude is contagious and permeates throughout their organization. Positive, upbeat companies are always led by positive, upbeat managers. While we’re not always able to control our circumstances, we can and must control how we respond to life’s difficulties, setbacks and challenges. We have a choice about how our day is going to be. How often do you talk to yourself and what do you say? Research in the field of psychology indicates that the average person maintains an ongoing mental dialog, or “self-talk,” of between 150 to 300 words per minute. Unfortunately, not all of these thoughts are positive. In fact, it has been estimated that of the thousands of thoughts we have each day, approximately 40 percent of them tend to be negative and self-critical in nature. Most of us are generally unaware of this negative background chatter, let alone its sabotaging effect on our emotional state, performance and well-being. Watch your thoughts, for they become words. Choose your words, for they become actions. Understand your actions, for they become habits. Study your habits, for

they will become your character. Develop your character, for it becomes your destiny. -- Anonymous Earl Nightingale, cofounder of the Nightingale-Conant Corp., concluded that life’s “strangest secret” is that you become what you think about all day long. If you want to know where your predominant thoughts lie and what you believe, look at what you are experiencing in your life. Your thoughts are creative by nature and express themselves through your emotions, which in turn, drive your actions. Everything you say both positive and negative is in fact an affirmation and reflects your belief. Whatever you think, feel or say about your life today is the scaffolding that builds the events you will experience in the future. Affirmation And Positive Self-Talk William Shakespeare said, “Nothing is good or bad, but thinking makes it so.” The first step in the process of changing your belief system is to monitor your thoughts and the next step is to control them through the power of choice. Once you become conscious of the critical aspects of your internal dialogue, you can choose to reframe your negative thoughts by substituting affirmative statements. World-class athletes understand the value of affirmation and recognize the impact of their mental preparation on their physical performance. They use the power of positive affirmation to reduce anxiety and increase their expectation of achievement. To be of maximum benefit an affirmation must be simple, encouraging and stated in the present tense. By repeating an affirmation over and over again it becomes embedded in the subconscious mind.

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Do affirmations really work and can they propel a person to greatness? As a teenager beginning his boxing career in Louisville, Kentucky, Cassius Clay would frequently affirm, “I am the greatest of all time!” While many considered him boastful and few took this eightynine pound, twelve year old seriously, Mohammad Ali used the power of affirmation to become the greatest boxer of all time and arguably the most recognizable sports figure in the world. Henry Ford was right when he said, “Whether you think you can or think you can’t - you’re right.” Your belief system, like your computer, doesn’t judge what you input; it simply accepts it as the truth. The key to cultivating and maintaining a positive mental attitude is to use your power of choice and take control of your thinking. It’s a challenging task to develop a calm, focused mind, but well worth the effort. Action Plan: Here are some suggestions to help you have a good day every day. 1. Establish the habit of getting up early.

• You’ll See It When You Believe It, by Dr. Wayne W. Dyer • The Power Of Positive Thinking, by Dr. Norman Vincent Peale • Think and Grow Rich, by Dr. Napoleon Hill • Psycho-Cybernetics, by Dr. Maxwell Maltz 3. Take a few moments to consider the upcoming activities of your day. Visualize events flowing. See people accept your ideas and your day unfolding in a harmonious and productive way. This is a good time to verbalize your affirmations. 4. Take time for some physical exercise. 5. At noon, take a 10-minute mental break to relax and replenish your energy. John Boe presents a variety of training and motivational programs for meetings and conventions. John brings over twenty years of experience as an award-winning sales trainer to the platform. Copyright© 2005, John Boe. All rights reserved. For addition information, contact the Frog Pond at 800.704.FROG(3764) or email susie@frogpond.com; http://www.frogpond.com.

2. Upon rising, read or listen to something positive and inspirational. Clinical studies indicate that our mind is most receptive to suggestion during the first 15-minutes upon awakening. Here are some books that will help you start your day off on the right foot. • How I Raised Myself From Failure to Success in Selling, by Frank Bettger • The Magic Of Believing, by Claude M. Bristol

Written By John Boe ExecutiveAgent Magazine

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Cover Story

Executive Agent of the Month

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Written by Haley Freeman - Photography by Ian Wiant

xcellence is an attitude. It is an unrelenting commitment to being the best. It requires meeting every challenge with a positive attitude and an energetic outlook. It is never being satisfied with the status quo, and always pushing to exceed expectations. These words communicate well what sets Frank Agahi, broker-owner of RE/MAX Omega in Irvine, and his team of outstanding real estate professional apart from the crowd. Mediocrity is not an option here; this is a place where excellence springs from an abiding commitment to professionalism and integrity. Frank and his team believe that who you work with matters, and they strive every day to fulfill their promise of service excellence. A former civil engineer, Frank found that his first career was not the right fit. He explains, “I wanted to be out with people and make a difference in people’s lives every day.”

Frank re-charted his course to a career in real estate, and after nearly 30 years of success in all kinds of markets, he partnered with Peggy Fong-Chen to open RE/MAX Omega in 2015. Peggy is in the top 10 agents among RE/MAX agents nationwide, and the RE/MAX brand provides the perfect foundation for achieving his ideal, with its reputation for superior real estate representation worldwide. However, Frank wanted to take his vision a step further, by creating a boutique environment inside this powerhouse brand, with a focus on attracting and nurturing a core group of the area’s most qualified professionals. It begins with agents who are not just hard-working, but also caring and dedicated. “We are always here to help, regardless of the task the client wants,” Frank says. “The job doesn’t stop when the transaction ends.”

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The inspiration to serve clients at this level comes from a people-centric business culture. “This is our family away from our family at home, and we treat each other that way. We laugh with each other, and cry with each other if we need to. I really value that.” As a producing owner, Frank works as hard as his agents do, while also managing his office. He is a champion of entrepreneurialism, whose mission is to create a space where anybody who joins the organization can reach their greatest potential. “This is like a mall where you can open your boutique and be the biggest store or the corner shopping booth. We provide all the tools and possibilities; you decide which one you want to be. That’s the advantage of being associated

with the biggest real estate company in the world.” When it comes to excellence, Frank’s personal production team leads by example. Team Manager, Samina Shahin, has a background in marketing and multimedia design. She draws upon her instinctive eye for detail and organization in her oversight of the team’s marketing, promotions and client care. Samina coordinates and directs multiple aspects of each transaction, from creating marketing flyers, property websites and social media advertising for property listings, to monitoring the progress of every escrow. Samina’s top priority is making sure all clients receive the highest level of service by collaborating with the team and coordinating tasks throughout each transaction from inception to close.

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Who You Work With Matters Executive Sales Person, Lacy Fortier, is a licensed sales specialist who works with buyers and investors. Whether she is helping someone with the purchase of their first home, a larger home or an addition to their investment portfolio, Lacy understands that each situation is unique, and she takes the time to discover and deliver exactly what is needed. She brings her passion and dedication to every transaction, enjoys a challenge and ensures that no detail is overlooked. Lacy strives every day to exceed client expectations, providing them the peace of mind that goes with knowing they’re in the hands of an experienced, caring professional. Pam Riter of Escrow Experts is the team’s escrow part-

ner. For more than 30 years, Pam has been committed to quality service. She is guided by a philosophy of always putting the customer first. With each transaction, from routine to complex, she believes in providing hands-on, individual, customized attention for her clients. As an “escrow expert,” Pam is knowledgeable, dependable and proactive. She and her team will ensure a superior customer experience. Jason McMahan & Tim Wright with Lawyers Title Insurance are the team’s title partners. From the first contact with Tim or Jason, their goal is to provide a fully responsive, problem-solving environment that ultimately leads to a successful transaction.

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Frank values diversity among his community of agents, and his socially and ethnically diverse company is wellequipped to serve the needs of foreign buyers and sellers, and California residents who may be new to the United States. His Irvine office is often sought out by foreign buyers who have heard about the area’s top-tier schools and exceptional lifestyle. “RE/MAX gives us the global presence to communicate information, and our local presence provides the knowledge and expertise.” Frank’s longterm success in real estate is a function of his view of his profession as a relationship business. This view inspires him to serve with authenticity and

accountability. “Honesty and directness are foremost in our process. It is important to always tell people what they need to hear and not what they like to hear. When you just say it like it is, clients appreciate it.” He adds, “I have been in a few downtrend markets. If there is anything the down markets have taught me, it is that those who work the business transactionally did not survive. Those who cared for people and built relationships with people lasted through each downturn. If you want your business to thrive, you need to look at how you can take care of people.”

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Frank is a longtime resident of Irvine, where he and his wife raised their son and daughter. “I am lucky to be married for 27 years to the love of my life and my soulmate. When I left my well-paid engineering job not knowing if I would make it in real estate, she was my greatest support. We are where we are today because of her willingness to take a chance.”

your approach to life and the way you treat people matters most. I’m very comfortable with the path we’ve chosen. We are not flawless, but how we are with people makes the difference. We show them that what we do comes from excellence.”

Frank understands that people have a choice of who will represent them in a real estate transaction. He believes that who you work with matters because of the far-reaching financial and other consequences of buying or selling a home. “When people are making a decision about who they want to work with, they should look at the experience, negotiation skills and integrity of the team. I think ExecutiveAgent Magazine

Frank Agahi RE/MAX Omega 10 Corporate Park, Ste. 110 Irvine, CA 92606 Tel: 949-552-7653 – 949-929-3909 Email: Frank@FrankAgahi.com Web: www.FrankAgahiTeam.com CalBRE # 846805

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The Complete Guide To True Wealth hen you hear the word wealth, you’ll probably associate it with having lots of money. But what is money and how does it actually fit into the big picture of wealth?

In the simplest explanation, money is actually something you use as a form of payment – be it in paper, coins, plastic cards, cheques, bank transfers, et cetera – in exchange for a product or service you require. It is an updated version of the barter trade that was used ages ago. The major difference is that barter trade involves the exchange of goods, which are perceived to be of similar value without the use of any form of payment. Money is actually a simple tool but has been complicated by today’s economics. Its value varies in different countries according to the amount, currency and assets it is weighed against. To be wealthy in monetary terms goes beyond just having lots of money. It means being completely financially stable and not having to work vigorously for a decent meal or paycheck to survive. It also means being in complete control of your money and not allowing your money to control you. However, wealth is not just about having lots of money. Wealth encompasses many great dimensions such as knowledge, creativity, relationships, love, wisdom, courage, success and all the good intangible values. The worth of a person, although human beings are intrinsically beyond valuation, should not only be defined by one’s material wealth, monetary value, possessions or other physical factors.

The original draft of the American Declaration of Independence has the phrase, “… and the pursuit of Property” stated as one of those inalienable rights of Man. I am in agreement with the change to its current version, “… and the pursuit of Happiness”, whatever its reason. A person’s wealth should be defined by one’s intangible, intellectual or aesthetic achievements, one’s use of the freely and abundantly available resources to fashion something better, one’s discoveries of new conceptual or real vistas, one’s selfless service rendered to a fellow human or to life or to a good ideal. But the greatest wealth any human being can possess is the wealth of freedom. Not just any kind of freedom but the kind where any child, woman and man are freed in the truest sense of the word ‘free’ from every unnecessary or undesirable chain, prison or shackle imaginable. The truly free shall never have to work on something they hate just to put food on the table, but are free to pursue whatever gives them the healthiest , fullest pleasure and passion. Only when you are able to grasp this fundamental essence of wealth will you be able to command it. Shafi’e is the Webmaster of StraTeachgic Success, where you can discover secret life-long learning techniques and 2 amazing FREE reports that reveal how you can wipe out all your limiting beliefs, radically alter your life, boost your intelligence, expand your creativity, improve your personal effectiveness, achieve all your goals and your inherent unlimited potential for wealth & happiness fast! Get your free reports NOW at StraTeachgic Success.

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E XECUTIVE AGENT

MAGAZINE

Written by Haley Freeman

Dee Dee Bandak

s a full time real estate agent, Dee Dee is focused on providing exceptional customer service and unmatched marketing expertise with the highest level of integrity. “I have the courage to advise clients about their best course of action, even if it means that we

may not always agree! My client’s interests are always ahead of my own, and having a strong code of ethics is part of telling them the truth. I’m dedicated to the success of others and helping them to achieve their goals.”

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Offering Possibilities Dee Dee describes herself as a solutions-oriented, informed agent, who goes the extra mile to answer the questions of the sellers and buyers who choose her to represent them in a transaction. “I pride myself in knowing the market and being a market expert, not an area specialist. When I meet with my clients, I make it my priority to ask questions, to understand their motivation, deadlines and ultimate needs, so I can help them achieve their goals.”

An upbeat, solutions-oriented agent, Dee Dee has relationships with financial institutions who are also in the business of offering possibilities, with an array of mortgage products to help hard-to-qualify homebuyers. “I’ve had clients move into a home with less than $2,000.00 who didn’t think it was possible for them to become homeowners. My job is to provide solutions and get someone to their goal.”

Dee Dee had a career in sales prior to becoming a Realtor®. It turned out that real estate was a perfect match for her extraordinary sales and customer service skills, as well as her proficiency in both Spanish and English. More than a decade later, her natural ability to listen and connect with people remains at the core of her success. “In the initial conversation, I ask questions to understand not only what they would like in a home, but what really fits their budget and circumstances. Then I can begin offering possibilities.”

Recently, Dee Dee met a buyer who was seeking a home in an extraordinarily competitive market. “Within five weeks to the day, I gave them the keys to their new home. If I had not been out that day, I wouldn’t have met them. They are now referring other clients. Real estate is about being out engaging in business and connecting with people.”

Dee Dee’s can-do spirit coupled with her deep knowledge of real estate help her guide clients to the best home choices available. “I thrive on educating clients in the process of buying or selling a home and protecting their interests. I try to eliminate surprises by being forthcoming about what they can expect. Before they ever start looking at homes, I want them to be qualified so they don’t get disappointed or discouraged. Instead of looking at it from the perspective of whether they qualify for a particular house, I want them to consider what kind of home is in the best interests of their family.” When Dee Dee joined Monarch Realty Group, she says she was looking for a place to connect and raise her real estate practice to the next level. At Monarch, she has found a positively charged culture of education, service and accountability. She is energized by consistent training and accountability to colleagues that challenges her to rise to her greatest potential. “There is a momentum in our office that is projected from the top and the standards they expect, and the caliber of people they hire,” she explains. “If you have a problem or a hurdle, everybody here shares and is willing to give ideas. I’m a solo agent, but there are always agents to partner with on a difficult transaction. Our management experience, exceptional skills, training and strong follow-through are unparalleled. These are the biggest reasons I joined Monarch Realty Group.”

Dee Dee’s connection to community also manifests in the time she spends volunteering for children’s programs at her church. “When you make the commitment, it’s a school year program that happens once a week. I really enjoy participating in something that helps kids build character in the longterm.” Dee Dee also supports special events hosted by the Orange County Association of Realtors®. Dee Dee is an affirmative person who sees possibilities everywhere. Her professional knowledge and confidence move her to action, inspiring her clients’ trust as she helps them fulfill their American Dream. “Homeowners and buyers entrust us with their biggest asset, and it is my obligation to assist them through what can be a complex process. I make it an easy and seamless one by helping them overcome obstacles, giving them advice and negotiating the transaction from beginning to the close of escrow. Being a seasoned agent and having confidence in my skills to represent buyers and sellers is one of my greatest joys. My clients end up referring me to their friends and family, and many of them have become good friends.”

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Dee Dee Bandak Monarch Realty Group 23276 South Pointe Dr., #115 Laguna Hills, CA 92653 Tel: 949-633-9983 Email: DBandak3@gmail.com Web: www.DeeDeeHomes4U.com CalBRE # 01434476

It’s Healthy To Be Happy

he dictionary says that happiness is the “agreeable sensations which spring from the enjoyment of good. That state of being in which desires are gratified by the enjoyment of pleasure without pain.” Happiness is “positive pleasure or an excitement of agreeable sensations.” Mark Twain said that most of us are “about as happy as we make up our minds to be.” Psychologists and physicians have long known that happy, cheerful people enjoy better health. It goes back several thousand years to Solomon, the wisest man who ever lived, who observed that “A merry heart doeth good like a medicine.” There’s no question but that a cheerful spirit does wonders for your health. The question is, what’s the best way to be happy? For a long time it’s been my conviction that others can give you pleasure, but the only way you’re going to be happy is to do things for other people. Forest Tennant, M.D., says that serotonin, which is the “feel-good” neurotransmitter, normally hits the system full force at about ten o’clock in the morning. However, we can “jump-start” the flow of serotonin by doing something really nice for someone else.

It doesn’t have to be “earth-shattering.” A simple, sincere phone call to someone you know will do wonders for you and them. Just let them know you were thinking of them and wanted them to know how much you appreciate who they are and what they do. Tell them how much their friendship means to you, how you admire them and that you just want them to know how you feel. It’s amazing how good you will feel about yourself when you pay a sincere compliment to encourage someone else. Think about it and pick up that telephone to encourage someone else with no thought of benefit to yourself and I will SEE YOU AT THE TOP. 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.

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E XECUTIVE AGENT

MAGAZINE

Raul Garcia Putting Clients First Written by Haley Freeman

aul Garcia was working as a car sales manager 13 years ago, when a coworker got his real estate license. “At the same time, a customer who was buying a car told me all they had gone through trying to purchase a house. I didn’t even own a home, and I didn’t know how real estate worked. But I had been an apartment manager, and I knew how important it was to get a place ready for a family to live. I wanted to do something

in my career to bring more value to people, so I decided to get into real estate.” Raul applied for his license, quit his job in car sales and jumped into real estate with both feet. “On the way home that day I thought, ‘Uh-oh, what did I just do?’ I really didn’t know what I was getting into, and I had a family to support. But it was exciting, and I was closing transactions within two months.”

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Driven by his characteristic enthusiasm and tenacity, Raul applied himself to learning both real estate sales and mortgage lending. While lending appealed to his analytical side, real estate satisfied his desire to form lasting connections with people. “I found more joy in delivering results in either helping someone sell a property or buy their first home. A home for a family is something that has always been a big deal to me. I like being connected to the more emotional side of a transaction. I love seeing a client’s face when they first step foot inside the property of their dreams. People change. They get excited. They start moving differently and saying things they never said before. They’re reacting to something they desire. I love being a part of that experience.”

Raul is a lifetime resident of the area, but he continues to make a study of the many neighborhoods and features that will impact the housing choices and lifestyles of homebuyers. “I love exploring different areas and talking to people about the neighborhoods and activities that are available. I’m always trying to find out what communities are doing so I can make a difference for people. There are so many different variables to consider when matching a family with the lifestyle they desire, whether it’s the schools and parks, access to hiking and biking trails, convenience to medical centers, or less commute time to work. It’s not just about the house and living space, it’s also about what’s around you. This research is something I enjoy doing.”

His quality service and reputation for straightforward and honest representation have helped Raul to build a loyal following of clients who trust him with their referrals. Those relationships sustained him through the difficult recession years, when he remained a full-time agent.

Raul is also proactive when marketing a home for sale. Rather than waiting for buyers to come to him, he works diligently to make new contacts every day and to expose the property to his network of other agents. He takes special pride in his skill as a negotiator, and his comprehensive knowledge of the market is a great asset in helping parties to meet realistic and favorable terms.

In 2017, Raul joined RE/MAX Champions. The company was founded in Upland in 1988 and has been in business in the Inland Empire for over a quarter century. Their innovative approach to real estate helped them to succeed during the challenging times and, again, during the Great Recession. “It really resonated with me having had the experience of enduring through the crisis. I believe in doing what I can every day to be a better version of myself. I enjoy reading books, attending seminars, and masterminding with people here in the office about ideas for how we can better serve our clients. I knew this was an environment where I could expand and improve my business.”

In every transaction, Raul simply puts the best interests of his clients first. He brings value by listening to their goals and then using his knowledge and expertise to make those goals a reality.

Although he has had a team in the past, Raul currently enjoys working as a solo agent, which allows him to put clients first and provide them with more personalized attention. From his office in Rancho Cucamonga, he serves buyers and sellers throughout the Inland Empire and into L.A. and Orange counties.

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Raul Garcia RE/MAX Champions 15264 Summit Ave. Fontana, CA 92336 Tel: 909-319-8494 Email: RaulGarcia@email.com Web: www.Remaxchampions.com CalBRE # 01477759

E XECUTIVE AGENT

MAGAZINE

Heather Jones Treating You Like Family Written by Haley Freeman

eather Jones and her husband, Chris, were born and raised in Orange County. They remember when their home communities of Tustin and Anaheim were surrounded by acres of fragrant orange groves. When

they married, Heather worked for an accounting firm until it was time to start a family. Her job as a wife and mother was her number one priority, and she focused on home and family until her two sons were teens.

Heather was inspired to a career in real estate by the Realtors® who sold her and her husband their first home. “They were so good to us,” she remembers. “They made us feel like we were their only clients. We never felt like they didn’t have time for us. As a husband and wife team, they made us feel as if they were helping their own children buy a home. The way we were taken care of left such an impression on me. When we sold that home, they were the ones we called. My husband and I both felt, at some point, this was a career I would be good at.” When Heather was ready to focus on a career outside the home, the real estate market was distressed, making it a difficult time for a new agent to enter the industry. To make matters more challenging, this former stay-at-home mom didn’t have a ready network for building her business. She tenaciously stuck with it and joined a team that provided the training and experience upon which she could build a successful foundation. Today, Heather is enjoying her role as a respected agent at @VANTAGE Real Estate, a cloud-based, full-service real estate company where clients and agents are treated like family.

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“I didn’t want to be lost in a sea of agents, but I didn’t want to be confined to a team, either. @VANTAGE Real estate offers the best of both worlds. I worked with the owner, Martha Karelius, when she was the manager at another company, so I knew her experience and solutionsdriven management style. When I heard she was starting her own company, I was sure it would be a great fit. I feel my contribution is valued here, and we have the tight-knit support that helps me to take care of my clients no matter what comes up in a transaction. Here, I have instant access to answers.” Heather understands that buying or selling a home is an emotional process for most people. She considers herself a compassionate counselor as she guides her clients through one of life’s great milestones. “I especially enjoy working with first-time homebuyers because it is such an immense responsibility helping them with the largest purchase they will make. On the other hand, I’m representing a seller right now who has lived in their home for 30 years and raised their family there. It’s emotional for them to leave a place where so many memories were made. By nature, I like being a support for people. I’m a good listener and sounding board, and I can offer practical solutions and advice.”

through the entire process. A very smooth and pleasant experience with her help in an otherwise daunting mission to find a home.” Looking back on her relationship with her own Realtors®, what stands out most to Heather is the feeling that they were looking out for her family’s future well-being and comfort. That is exactly the kind of agent she tries to be. She is someone who honors her clients’ budgets and goals, while guiding them through the real estate process with the utmost care and professionalism. She cultivates authentic and lasting relationships with the people she serves, as well as with the colleagues with whom she works. “It’s not just about the sale,” Heather says. “It’s about building relationships and making sure people get into the right place.”

Her clients agree. One said: “Heather is an excellent Realtor®! Knowledgeable, professional, caring, who really listens to her clients. She honors budgets and gives realistic feedback. She communicates well and is an amazing advocate to have on your side. I highly recommend Heather! She is wonderful!” Another described her as “one of the best agents and professional I have ever come across. Helpful and patient

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Heather Jones @VANTAGE Real Estate 4 Promontory Rancho Santa Margarita, CA 92679 Tel: 949-374-0836 Email: Heathergjones@cox.net Web: www.vantagerealestate.net CalBRE: 01896637

A Good Life Contains These 6 Essentials

he values that make up the foundation of a life well lived—and, no surprise, money isn’t one of them.

The ultimate expression of life is not a paycheck. The ultimate expression of life is not a Mercedes. The ultimate expression of life is not a million dollars or a bank account or a home. The ultimate expression of life is living a good life. Here’s what we must ask constantly, What, for me, would be a good life? And you have to keep going over and over the list—a list including areas such as spirituality, economics, health, relationships and recreation. So, what would constitute a good life? Here is a short list: 1. Productivity You won’t be happy if you don’t produce. The game of life is not rest. Yes, we must rest, but only long enough to gather strength to get back to productivity. What’s the reason for the seasons and the seeds, the soil and the sunshine, the rain and the miracle of life? It’s to see what you can do with it—to try your hand to see what you can do. 2. Good Friends Friendship is probably the greatest support system in the world, so don’t deny yourself the time to develop it. Nothing can match it. It’s extraordinary in its benefit. Friends are those wonderful people who know all about you and still like you. I lost one of my dearest friends when he was 53—heart attack. As one of my very special friends, 36

I used to say that if I was stuck in a foreign jail somewhere accused unduly, and, if they would allow me one phone call, I would call David. Why? He would come and get me. That’s a real friend—somebody who would come and get you. And we’ve all got casual friends, friends who, if you called them, they would say, “Hey, if you get back, call me and we’ll have a party.” You’ve got to have both real friends and casual friends. 3. Your Culture Language, music, ceremonies, traditions, dress. All of that is so vitally important that you must keep it alive. The uniqueness of all of us, when blended together, brings vitality, energy, power, influence, and rightness to the world. 4. Spirituality It helps to form the foundation of the family that builds the nation. And make sure you study, practice and teach— don’t be careless about the spiritual part of your nature because it’s what makes us who we are, different from dogs, cats, birds and mice. 5. Don’t Miss Anything My parents taught me not to miss anything, not the game, the performance, the movie, the dance. Just before my father died at 93, if you were to call him at 10:30 or 11 at night, he wouldn’t be home. He was at the rodeo, he was watching the kids play softball, he was listening to the concert, he was at church—he was somewhere every night.

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Written By Jim Rohn Go to everything you possibly can. Buy a ticket to everything you possibly can. Go see everything and experience all you possibly can. Live a vital life. If you live well, you will earn well. If you live well, it will show in your face; it will show in the texture of your voice. There will be something unique and magical about you if you live well. It will infuse not only your personal life but also your business life. And it will give you a vitality nothing else can give. 6. Your Family and the Inner Circle Invest in them, and they’ll invest in you. Inspire them, and they’ll inspire you. Take care of the details with your inner circle. When my father was still alive, I used to call him when I traveled. He’d have breakfast most every morning with the farmers at a little place called The Decoy Inn out in the country where we lived in Southwest Idaho. When I was in Israel, I’d have to get up in the middle of the night, but I’d call Papa. I’d say, “Papa, I’m in Israel.” He’d say, “Israel! Son, how are things in Israel?” He’d talk real loud so everybody could hear. I’d say, “Papa, last night they gave me a reception on the rooftop underneath the stars overlooking the Mediterranean.” He’d say, “Son, a reception on the rooftop underneath the stars overlooking the Mediterranean?” Now everybody knew the story. And giving my father that special day only took five or 10 minutes.

a husband walks out of the house and he can still feel the imprint of his wife’s arms around his body, he’s invincible all day. It’s the special stuff with your inner circle that makes you strong and powerful and influential. So don’t miss that opportunity. The prophet said, “There are many virtues and values, but here’s the greatest: one person caring for another.” There is no greater value than love. So make sure in your busy day to remember the true purpose and the reasons you do what you do. May you truly live the kind of life that will bring the fruit and rewards that you desire. 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. © 2008 Jim Rohn International. All rights reserved. For information contact FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com; http://www.FrogPond. com.

If a father walks out of the house and he can still feel his daughter’s kiss on his face all day, he’s a powerful man. If ExecutiveAgent Magazine

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Information is for real estate professionals and is not intended for consumers. Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N. A. © 2016 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS2530479 Expires 08/2017