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EXECUTIVEAGENT MAGAZINE

Rosa Rodarte Executive Agent of the Month

Inside Features Michael King Better Homes and Gardens Christine Terry loanDepotÂŽ

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THE FUTURE OF LENDING meets

THE FUTURE OF REAL ESTATE HOW IT WORKS

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

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BORROWER(S)

LOAN CONSULTANT

CONCIERGE

REAL ESTATE AGENT

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

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

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

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

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

RICHARD HEDRICK

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

ONTARIO BRANCH

RIVERSIDE BRANCH

TEMECULA BRANCH

SAN JUAN CAPISTRANO BRANCH

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

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

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

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

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


EXECUTIVE AGENT OF THE MONTH

Rosa Rodarte Better Homes and Gardens Real Estate

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17

Inside Features

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Michael King

Christine Terry

Better Homes and Gardens

loanDepotÂŽ ExecutiveAgent Magazine


INLAND EMPIRE - MAY, 2019

Editorials

E XECUTIVE AGENT

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MAGAZINE

5 Ways to Stay Positive When You’re Having a Bad Day -Matt Fore

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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 What Do You Want Out of Life? -Tony Jeary

City of Hope..........................................................34 Finance of America Mortgage........................24 & 36

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

Wherever You Are, Be There -Jim Rohn

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

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

Embracing Adversity For Achievement -Chris Widener

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Photography: iPhotography Studio, Michelle Fairless Photography, Rob Paino Graphic Designer: Garon T. Arrias Editorial Manager: Trudy Van Writers: Ben Angel, John Boe, Haley Freeman, Jim Rohn, Walter Sanford, Dirk Zeller, Zig Ziglar Craig Harrison, Simma Lieberman, Chris Widener © Copyright 2019 Executive Agent Magazine. All rights reserved. Reproduction in whole or in part without written permission is prohibited. Although every precaution is taken to ensure accuracy of published materials, Executive Agent Magazine cannot be held responsible for opinions expressed or facts supplied by its authors.

Planning -Zig Ziglar

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EXECUTIVEAGENT MAGAZINE

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Christine Terry Handling Your New Home Purchase With Care Written by H. K. Wilson

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ue to the increasing complexity of real estate transactions, the process of buying or selling a home involves literally dozens of professionals. Some estimates put the number of people

importance of working with conscientious and welltrained professionals who care about the results they are creating for the people they serve. One such professional is Christine Terry at loanDepot. Christine is a loan processor who works diligently behind the scenes to ensure that every transaction in her charge is handled with the care and urgency it deserves. Christine knows that behind each file, there is a person or family whose whole life will change based upon the outcome of her work. Christine began her career more than a decade ago, and she has excelled in numerous support roles in the mortgage industry. Her work ethic, attention to detail and friendly engagement with clients and other professionals made loan processing an ideal role for her. Today she works almost exclusively with new build transactions in support of Branch Manager Richard Hedrick and his team of builder specialists.

who will touch a single transaction by the close of escrow at more than 100. This fact underscores the

While every loan transaction is complicated, builder loans present a set of unique challenges, and it takes a seasoned expert to keep the transaction on track. Christine explains, “We initially submit the loan for initial approval. During the transaction we continuously work with the builder on an estimated closing date, which could be 20 days away or six months out. It’s important to put our workload in order of closing dates so we can make sure all the documentation is updated at the right time. Typically, when we are 60 days from our estimated closing date, we need to do things like source deposits and get updated pay stubs, bank statements and W2s. Once I feel I have everything, I send it back to underwriting for an updated approval.”

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By comparison, an average resale transaction takes about 30 days. That means that the process described above takes place only once. Christine often has to work with borrowers and loan officers to obtain and verify information multiple times. She also has to maintain communication with the parties over a long period of time, making sure that everyone is informed and has the same expectations. These tasks require proactive planning and saint-like patience. Fortunately for everyone who relies upon her, Christine has both. Christine makes a point of reaching out to new borrowers to establish rapport and give them a sense of security. “Personally, I like to call the borrower and let them hear my voice. If I get a new application, I’ll call the borrower to let them know I’ll be sending them a list of items I need. Then I send the email. Sometimes they may not feel comfortable sending sensitive information electronically before they know who the person is who will be receiving it. I think when they hear my voice it makes me a real person, and I’ve found I get better responses when I make that personal connection with them.” loanDepot’s well-honed systems provide the framework for tracking and prioritizing each file, while its culture of teamwork makes the process seamless. “Our loan officers are amazing. Everyone is working toward the same goal, and we help each other out. Even if something goes wrong on a file, everyone works together to find a solution.” That same sense of teamwork generates a spirit of gratitude for everyone who contributes to a successful close of escrow. As someone who is working behind the scenes, Christine says she never feels her contribution is forgotten. “What I love about this team is the fact that they are so appreciative. Even though I work from a remote office, they include me in meetings, send me thank you cards, and if the branch is having an appreciation lunch, they have lunch delivered to me. It’s touching and means a lot.” Christine lives in Bermuda Dunes with her husband,

Mike, and their two boys, Michael and Mason. Mike is a grower for a local farm, and the whole family loves participating in agricultural activities with Future Farmers of America and 4-H. Christine also enjoys working out regularly, a pursuit that helps her destress from the demands of work. Christine’s love for her work and desire to help people experience the joys of home ownership fuels her ongoing commitment to excellence. “It’s exciting to know that people are making their biggest investment ever, and you helped make it happen. I enjoy what I do each day, and I love working in an environment where people appreciate what I do.” Christine Terry loanDepot® 901 N. Palm Canyon Dr., Suite 107 Palm Springs, CA 92262 Tel: 760.797.6005 Email: CTerry@loandepot.com Web: www.loandepot.com

Rates, terms, and availability of programs are subject to change without notice. loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040.

ExecutiveAgent Magazine


PLANNING I

f I were to ask the question, Would you like to improve your productivity dramatically without working any longer or any harder? Chances are pretty good that you would say, “That would be nice! I’d be more effective and I’d probably get a raise! I might even have more fun in the process.”

Question: How many of you, on the night before the day you were going on vacation, sat down and wrote out a list of the things you wanted to be certain to do before you left work the next day? Chances are extremely good that most of you would say you had done that. And most of you would also admit that you managed to complete more than twice the number of tasks you complete on a normal day. Now think about this for a moment: If planning your job on the day before you go on vacation increases your productivity, doesn’t it make sense that if you were to spend a few minutes every day before you start your work day contemplating what is really important and what you really need to accomplish, that you would have the same great results? And the chances are excellent – definitely better than good – that this process will attract favorable attention, probably leading to more job security, perhaps a raise, and maybe even a significant promotion. The reality is, productivity has a direct bearing on profitability, and all businesses are interested – very much so – in profits. Profitability comes from loyalty, productivity, and having a character base from which to work. So as you ponder this question, I hope you will seriously consider not only planning your schedule as you prepare to go on vacation, but that every day you will spend a few minutes before you go to work planning how you can be more effective that day It doesn’t take long to plan; it does take a lot of time not to plan, because without a plan of action, people will impose on your time with idle chatter and requests that take you away from the task at hand. Not only will you be less effective, but the effectiveness of the people, who

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take your time for casual chatter, or in some cases gossip, will be greatly reduced and everybody, including management and leadership, will be very unhappy about that. Chances are good, regardless of the job market, the most productive people with the right attitude are the ones who really have more job security, and in most cases a better income. When you feel good about yourself and your productivity, you probably will also be performing better at home. When there is no job related stress you are more aware of your mate and children, if you are a parent. You will spend more time being better organized so you can spend more time having that balanced life that all of us are really interested in. Planning for a balanced life will enable you to deal with the physical, the mental, and the spiritual aspects of your life. It will also enable you to develop more friendships, and stronger, better, more lasting relationships. There are many benefits that go with making the plan a daily part of your life. Time well spent results in more money to spend, more money to save, and more time to vacation. It will allow you to attend more of your children’s ball games or school functions as well. A plan is always successful if the plan is good. And if you’ve been on the job for any length of time, you can develop a better plan of action so that everyone benefits from it. I’m talking about planning today for tomorrow’s future. Think about it. I promise you’ll be more productive, happier, healthier, and have a much better chance for increased income when you are secure in who you are, where you are, and what you’re doing. I sincerely hope you’ll take action immediately to get that plan into your daily life. 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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EXECUTIVEAGENT MAGAZINE

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Written by H. K. Wilson

Bringing Inspiration Home

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ealtor® is just one of the many words that describe Michael King at Better Homes and Garden Real Estate Champions. This Riverside native, Marine Corps Veteran and father of two is also a professional pilot, a photographer, a visual artist and a singer/songwriter. In real estate, he has found a profession that allows him to fully express his many passions while serving others in a meaningful way. Michael works side-by-side with his life partner, Vicky Macias, as the vice president of marketing for their personal brand, listsellhomes.com. He joined Vicky in real estate during the recession market. He recalls, “I got into real estate at the worst time, but also one of the best times to really learn what it takes to compete.”

With this winning attitude, Michael went on to develop his creative interests around marketing homes with unrivaled polish and panache. He engages the senses of potential buyers through beautiful still and video images designed to spark their imaginations and convey each home’s distinctive charm. Through a combination of imagery and music, he creates a mood that invokes an emotional response in the viewer. “Architectural photography is a unique approach, and I’ve learned how to use lighting and composition to make every image magazine quality. My goal is to use photos to demonstrate the personality of the home, and video to give people a sense of its movement. I use only professional-grade equipment, and it shows in the superior results. When people use cell phone photos to market their homes, the colors are muddy and look unnatural.”

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Clients who choose Michael and Vicky as their real estate agents have the benefit of working with a team that does all marketing functions in-house, saving time and money while creating seamless results. “The average video costs about $800 for 45 seconds. I use a Cannon cinema camera and professional drone, and then edit for maximum effect. The greatest satisfaction for me is when we show clients their ad or pictures and see the sincere sense of pride they feel in their home. A home is a personal reflection of everything they have built, their family and what interests them personally. It matters to be able to show that in its best light.” Marketing a home effectively also means thinking outside the box. Michael explains, “We took a listing in LA that was an awesome house with a big lot, but a fixer upper. We only had a few good photos of the house, so I used video to market the area rather than the home. They were just building a new train station nearby, so I focused on marketing the strengths of the location. It turned out to be a very successful strategy.” Once Michael has created unforgettable images of a home, the next step is to get them seen by as many people as possible. He is an expert at leveraging digital resources to drive traffic to listings. “If you’re trying to attract buyers using just signs and open houses, you’re missing out. It costs a fraction to have 25,000 people look at an online ad and go to a website. Once you generate interest, you can get them in the door.”

list with us know they’re being taken care of. If something goes wrong while they have their home listed, most issues will be covered with just the cost of the deductible, and coverage extends for 180 days from the listing date. That little extra insurance can make a difference with a buyer who is uncertain about a purchase.” For all his talents and hobbies, Michael says family is his greatest priority in life. “What I love about real estate is that it allows me to do everything I love to do — video, photography, layout, design, writing, flying, being with people — and then be at home at the end of the day for my kids and Vicky.” “All it takes is all you’ve got.” This is the credo Michael lives by. “People I work with in real estate are literally getting everything I have,” he says. “I love having this opportunity to live my dreams while helping other people achieve theirs.” Michael King Better Homes and Gardens Real Estate Champions 19322 Jesse Lane Riverside, CA 92508 Tel: 951.905.1469 Email: mking@listsellhomes.com Web: www.Listsellhomes.com DRE # 01889061

Another bonus offering of this team is their seller protection plan, a listing home warranty that protects sellers against the cost of repairs for home systems and appliances during the listing period. “Clients who ExecutiveAgent Magazine


5 Ways to Stay Positive When You’re Having a Bad Day Written By Matt Fore 12

ExecutiveAgent Magazine


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t’s Murphy’s Law. The line you get in at the department store doesn’t move because there is a lady at the register who waited until the last minute to dig through her overstuffed wallet for a coupon. So you change checkout lanes only to get stuck behind a man digging through a deep pocket for exact change.

We all have bad days when it seems like nothing is going right. But few can compete with Charles, a man who experienced a lifetime’s worth of bad news in a single day. Charles lived a stressful life. He worked from morning until night without any spare time for annoyances. Little did he know, when he woke up one morning, he had already lost more than $200,000—embezzled from his inheritance by a family “friend.” In an unrelated turn of events, he lost his job the same day. That evening he discovered his wife was filing for divorce. We don’t have control over the way life plays out, but we do not have to be a victim to its tyranny. With a few savvy insights and positive action steps, we can power through almost anything that comes our way. Here are five ways to stay upbeat and positive, even when life is not cooperating: 1. Develop a plan. Often we just feel “off” and we let it affect our day without finding out what it is that made us feel down in the first place. So identify what’s making you feel despondent. Be specific. And once that is done, make a plan. Write out what you can do to turn around your sour mood. In her Psychology Today article, “Thirteen Small Decisions That Will Ease Anxiety,” Meg Selig writes, “If you start to ruminate over a situation that you’ve already planned for, tell yourself, ‘Stop, I’ve already made a plan.’” The very act of identifying and planning can result in tremendous stress relief. 2. Associate with winners. We tend to think like the people we hang around. That’s not news, but how often do we stop and notice who we talk to every day? The group that laments over a two-cent gas hike is not likely the same group that discusses the latest stock options. It’s two different mindsets. The greatest investment for the worrywart is to find a cell of positive-

minded, successful people. How did they get where they are? How do they think? Let the osmosis begin. 3. Speak positive words. We tend to believe what we say. Our minds literally go in the direction of our words. Of course, we can’t talk ourselves into being taller, but we can have a more positive outlook by noticing the good, anticipating a positive outcome and speaking it out loud. It’s almost impossible to shout, “I feel fantastic!” and be depressed at the same time. A few verbal affirmations throughout the day will go a long way toward lifting your spirits. 4. Laugh anyway. There is so much to stress over these days—politics, the economy, the ozone layer, the missing button on your favorite shirt. Still, there is a consensus among many medical professionals that laughter will do you a world of good. In fact, the Mayo Clinic article “Stress relief from laughter? It’s no joke” says, “A rollicking laugh fires up then cools down your stress response and it can increase your heart rate. The result? A good relaxed feeling.” To stay upbeat and positive, make laughter a deliberate part of your arsenal against the blues. 5. Execute. Once you’ve identified what deflates your spirit, made a plan to overcome it and developed some mental weapons, it’s time to bring out the big guns. Put your thoughts into action. It’s hard to worry about a problem while you are busy solving it. This is no time to be passive. Get angry. Get aggressive. Attack your problems with a vengeance. What right do they have to destroy the pleasure you get out of life? The physical act of execution is a diabolical weapon against whatever ails you and can create a surprising sense of bliss in the midst of the turmoil. Charles, who arguably had a much worse day than you, adjusted to his loss and even forgave his thieving friend. He used his skills to move forward in a new career and met a beautiful woman in the process. He learned a lot about himself, found some new priorities and doesn’t stress about the length of a department store checkout lane. He is happier than he has been in a long time and looks for opportunities to share his success with others. If Charles can do it, so can you.

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IN ADDITION to the analysis on homeownership

trends and nuances influencing household formation, this year’s report has an increased focus on to the impact of language and culture in the home purchase transaction and includes recommendations on marketing strategy to more effectively reach the Hispanic consumer.

DOWNLOAD THE REPORT TODAY: hispanicwealthproject.org/shhr


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

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

Name_______________________________ Company___________________________ Phone______________________________ Email_______________________________

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Cover Story

Rosa Rodarte Executive Agent of the Month

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Rosa Rodarte Written by H. K. Wilson - Ian Wiant Photographer

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osa Rodarte is an American success story. When she immigrated from Mexico to the U.S. with her young family, she had a dream of creating a prosperous future. She found steady employment and bought a home, but after a divorce, she struggled to provide for herself and her children. That’s when a friend at church announced that she was going to school to become a Realtor®. Although Rosa didn’t speak English and knew nothing about real estate, she began attending classes in the evenings after work. She obtained her license and continued to work round the clock, maintaining her regular job while building her real estate business. “Although I had no background in this area, I felt my personality and sense of commitment would be a good fit,” Rosa says. “I’ve always tried to have a positive outlook on life, and I think the same way about my work. I

believe that if you work hard, you can excel at anything you do.” Rosa proved the truth of her words. Just two years after beginning her real estate career, she was running her own office as a licensed professional helping clients with real estate, loans, insurance and taxes. Her upbeat spirit and tireless work ethic have propelled Rosa through varying market conditions with a focus on helping her clients achieve their real estate goals. “What I love most about being a Realtor® is the opportunity it offers me to meet new people and provide them with the best possible experience in the buying and selling of what is probably their greatest financial asset, their home. I especially get great satisfaction in helping my clients find their dream home.”

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Rosa is grateful to the many people who have helped her hone her professional skills along the way. She says if she can become a Realtor®, anyone can do it. She pays it forward by helping others who want to learn the business. “I have had good fortune to have been coached and mentored by some of the best in the industry, and I continue to benefit from the ongoing mentoring of my broker. I believe that in this career, there is always room for growth. As times change, the market also changes, and I see this as an opportunity to learn. We are all mentors and can be influential to those that are starting their career in this industry.” Today, Rosa is building her own brand alongside Better Homes and Gardens Real Estate Champions. This company leads the industry as the most consumer-recognized lifestyle brand. “I’m proud to be associated with a prominent and trusted brand that offers a wide array of unique marketing programs and broker support. I can

offer my clients an unmatched package of tools, support and services.” Rosa pledges to fulfill a goal and a promise for her clients. “I have great negotiating skills, and my goal is to look for the best solutions to get the best results for my clients. My promise is to work with integrity, knowledge, dedication and loyalty.” Because of her uncompromising integrity and follow through, Rosa has outstanding relationships with her industry colleagues. “As a professional Realtor®, my job is not only working with my clients, but also with other agents. You need to work well with all the parties involved. Respect and professionalism is important in this business. Developing good peer relationships can make a difference in getting an offer accepted whether you are buying or selling a home.”

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Inspired by the American Dream Rosa’s love for helping people sets her apart from the competition. While she enjoys representing home buyers and sellers across the spectrum, she derives special happiness from working with first-time buyers. “In many instances, I have found that people who are new to home buying have a very limited understanding of the ins and outs and nuances of the process, and it can be scary for them. I enjoy providing personalized service to meet their needs, while walking them through the entire process until the transaction is finalized to their satisfaction. I love seeing the joy on my clients’ faces when I hand them the keys to their new home, or the net proceeds from the successful sale of their property.”

In real estate, there is no substitute for knowledge and experience. After more than 15 years in the industry, Rosa says she has developed a straightforward and reliable system for marketing her clients home for sale. Her marketing campaigns include still and video photography; print and digital advertising; and well-organized open houses. She has also associated herself with an exceptional team of experts in the industry that allow her to deliver great service and results. Her robust repeat and referral business is a testament to Rosa’s professional excellence. She comments, “The greatest mark of my success ultimately comes from my clients recommending me to their family and friends. My clients’ stamp of approval is my greatest reward.”

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One client who both sold and purchased property with Rosa had this to say about the experience: “Rosa helped me sell my house in less than one week! She brought in a professional photographer that took pictures of the house, and she made flyers and made sure to pass them out personally. She also helped us buy our new house. Rosa does extraordinary work!” An investor hired Rosa to help him purchase an income property, and he was so impressed with her service, he called her back after renovation to list it for sale. He said: “Rosa was hard working and trustworthy. Her great communication and negotiation skills helped seal the deal and close escrow. I will highly recommend her to my family, friends and anyone who needs real estate assistance.” While Rosa works hard every day to serve her clients’ needs, she also seeks life balance through time with her family, her hobbies and service to her church community. She and her husband, Paul, met at church, and they have been happily married for three years. Rosa loves spending

time with her first grandchild, Anthony, and is looking forward to celebrating his second birthday with the family at Disneyland. An avid reader, Rosa especially enjoys reading books about self-improvement, health and wholesome cooking. She reads her Bible daily. Rosa’s faith is the centerpiece of her life and family. She volunteers in support of both English and Spanish services, and she participates in service projects that assist people in need. According to Rosa, one of the most important things she brings to her real estate practice is her profound belief in the American Dream of home ownership. “If you’re selling something and you want people to trust you, it’s important that people know that you believe in what you do. I believe that owning a home is better than renting. I care about helping people, and I bring the same commitment and care that I give to my church community to my business as a Realtor®.”

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Rosa Rodarte Better Homes and Gardens Real Estate Champions 6349 Riverside Ave., Riverside, California 92506 Tel: 909.904.5497 - Email: RosaRodarteRealtor@gmail.com Web: www.bhgre.com/Better-Homes-and-Gardens-Real-Estate-Champions-45791c/Rosa-Rodarte-5127645a DRE # 01422181 ExecutiveAgent Magazine


Contact us today for more information about this exciting program! Finance of America Mortgage Newport Beach NMLS ID-1071

o: (949) 398-3650 f: (949) 502-3765 npbmarketing@financeofamerica.com FOAmortgage.com/NewportBeach


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What Do You Want Out of Life? Written by Tony Jeary

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ExecutiveAgent Magazine


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ood things don’t usually come through happy accidents. The most successful people design their own lives and then live their lives with purpose. Their first step is attaining clarity.

I define clarity as understanding and documenting your personal and professional goals, and determining the “why” behind reaching them. It’s vital to developing a clear vision, outlining priorities and objectives, and tackling goals with a real sense of urgency and focus. Clarity is achieved when we know where we are in relation to where we want to go. Without clarity, it is almost impossible to generate the kind of focus necessary to act swiftly and deftly on a daily basis. If you have no clear vision, there is nothing to tie your objectives to and nothing to measure your progress and performance against. When you have clarity about your vision, you discover yourself being pulled toward it, and all you have to do is follow the connecting opportunities that carry you along, allowing you to mark your victories faster and faster. Think about a time when you’ve been excited and regenerated at the thought of achieving a big goal. There’s nothing like that adrenaline rush. When you have clarity, you get that excitement, building and fueling your energy. Clarity and focus together form the basis of execution. So get completely clear about the things that you want, and then take action.

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Let’s close the deal – Contact us. Andy DeLuca Sr. Mortgage Loan Consultant cell: 949.291.7189 NMLS# 440903 adeluca2@kinecta.org www.kinecta.org/adeluca

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

Membership requirements apply. NMLS (Nationwide Mortgage Lending Service) ID: 407870. Information in this advertisement is intended for Real Estate and Mortgage Professionals only and not intended for consumer use as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. Any expressed underwriting guidelines are subject to change without notice and are subject to Kinecta Federal Credit Union guidelines and all applicable federal and state rules and regulations. 21824OC-01/19


Wherever You Are, Be There

O

nce we master the art of being, we open the door to a lifetime of happiness.

One of the major reasons why we fail to find happiness or to create unique lifestyle is because we have not yet mastered the art of being. While we are home our thoughts are still absorbed with solving the challenges we face at the office. And when we are at the office we find ourselves worrying about problems at home. We go through the day without really listening to what others are saying to us. We may be hearing the words, but we aren’t absorbing the message. As we go through the day we find ourselves focusing on past experiences or future possibilities. We are so involved in yesterday and tomorrow that we never even notice that today is slipping by.

Lifestyle is learning to be wherever you are. It is developing a unique focus on the current moment, and drawing from it all of the substance and wealth of experience and emotions that it has to offer. Lifestyle is taking time to watch a sunset. Lifestyle is listening to silence. Lifestyle is capturing each moment so that it becomes a new part of what we are and of what we are in the process of becoming. Lifestyle is not something we do; it is something we experience. And until we learn to be there, we will never master the art of living well. Jim Rohn knows the secrets of success - in business and in life. He has devoted his life to a study of the fundamentals of human behavior and personal motivation that affect professional performance. He can awaken the unlimited power of achievement within you! Reproduced with permission from the Jim Rohn Weekly E-zine. Copyright© 2006, Jim Rohn. All right reserved. For information about Jim’s keynote presentations and seminars, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com http://FrogPond.com.

We go through the day rather than getting something from the day. We are everywhere at any given moment in time except living in that moment in time.

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Embracing Adversity For Achievement

S

uccess in life depends upon being strong, people with clear goals and indomitable spirits. Unfortunately, most of us are not born that way. We grow that way. And that growth can either come from us entering willfully into situations that will cause us to grow, like subscribing to Made for Success, or from the way we react when circumstances come upon us without our consent. The latter is what we call adversity. Most of us spend our lives trying to avoid adversity, and I guess that is just as well. We should not pursue adversity, but when she arrives, we should welcome her as a foe who, though our interaction with her, will make us into better people. Every contact we have with adversity gives us again the opportunity to grow personally and professionally and to forge our character into one that will achieve much later on. With that in mind, here are some thoughts on adversity, and how it can help you to succeed in every area of your life and achieve your dreams. Adversity brings out our resources. Horace said “Adversity reveals genius, prosperity conceals it.” When everything is going well, we coast. There is not a lot of stress, and we do not have to draw too much on the resources that reside within us. But when adversity comes we begin to draw upon each and every resource that we have in order to conquer the circumstances at hand. Adversity then, keeps us sharp. It keeps us using our personal muscle, if you will. That is a good thing because we grow through the use of our resources. Adversity brings us together with others. Sure a team can have their problems with each other, but when they on the court, when they experience the adversity of facing another obstacle, they pull together. One for all and all for one, as they say. The next time you experience adversity of some kind, keep your eyes open for how it can bring you together with your family, your co-workers or your team. Then when you are through it, you will find a bond that was created that was not there before.

Adversity makes us better people with stronger characters. Never underestimate the power of adversity to shape us inwardly. How will courage, discipline and perseverance ever flourish if we are never tested? After adversity, we come out stronger people and able then to use our character and influence in an even greater way to lead those around us and to improve their lives as well as our own. Adversity makes life interesting. John Amatt said, “Without adversity, without change, life is boring.” How true. Have you noticed that while we are in the middle of adversity we only long to get out of it, but we then spend a lifetime recounting it to anyone who will listen? This is because it spices life up a little. Imagine how boring life would be if everything always went well, when there was never a mountain to be climbed. Here are some questions for you to reflect upon before I close: Q. If you are in the middle of some adversity right now, what resources are you drawing on? Who are you drawing closer to and working with? What part of your character is being tested, and built up? What can you do to view this adversity as one who will be better for it on the other side? Every adversity, every failure, every heartache carries with it the seed of an equal or greater benefit – Napoleon Hill Chris Widener is the President of Made For Success. He teaches leaders how to become Extraordinary Leaders. Chris’ speaking and consulting services have challenged the best to become optimists, to pursue excellence relentlessly, and to dream big dreams. Copyright© 2007, Chris Widener. All rights reserved. For information about Chris’ speaking and consulting services, contact the FrogPond at 800.704. FROG(3764) or email susie@FrogPond.com; http://www. FrogPond.com.

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Our bone marrow transplant reunion is now standing room only. Each year, City of Hope invites bone marrow transplant recipients and their families to attend the “Celebration of Life” event. It’s a joyous time during which survivors of blood cancers such as lymphoma, leukemia and myeloma embrace their health, their life and each other. It began more than 35 years ago when City of Hope created what is now one of the largest and most successful bone marrow transplant programs in the world. In fact, we’ve completed over 11,000 transplants and, according to national reports, our outcomes are among the best in the nation. The goal of curing cancer isn’t just something we work at. It’s what we live for. If you have cancer, make us your first call. Or ask your doctor for a referral. We accept most insurance. 800-826-HOPE

COH-0726_BMT_Hem_fp_4c_ExecAgt.indd 1

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

11/25/13 6:02 PM


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