TPIN Magazine September/October 2014

September - October 2014 Vol. 01 | Issue 7

IN THIS ISSUE: Philip White CEO of Sotheby’s International Realty Joyce Essex Power Agent Spotlight

Wendy Forsythe Selling Homes In The Digital Age. Make Technology Work For You

Bubba Mills What The Boy Scouts Can Teach You About Success In Real Estate

Nancy Braun Divorce: 5 Things You Must Know About Your Home Mortgage Before Calling it Quits

CONTENTS the PIN magazine Page 6

THE POWER IS NOW INC. Vol. 01 | Issue 6 Eric Lawrence Frazier, MBA President and CEO Office: (800) 401-8994 Ext. 703 Direct: (714) 361-2105 Eric.Frazier@ThePowerIsNow.com www.thepowerisnow.com www.blogtalkradio.com/ thepowerisnow

EDITORIAL TEAM Eric Lawrence Frazier Editor in Chief (800) 401-8994 Ext. 703 Erica L. Frazier, MBA Assistant Editor (800) 401-8994 ext. 710 erica.frazier@thepowerisnow.com Goldy Ponce Arratia Graphic Artist and Design Manager (800) 401-8994 ext. 711 goldy.ponce@thepowerisnow.com Eric Egana Staff Writer (800) 401-8994 ext. 701 eric.egana@thepowerisnow.com

CONTRIBUTORS Aaron Zapata, Brittany Hurd, Celeste Davie, Douglas Bender, Bob Zachmeier, Nancy Braun, Philip White, P.S. Perkins, Wendy Forsythe, Bubba Mills, Darren Johnson, Eric Frazier, Lilyvette Rodriguez

Page 38

Page 8

Mission and Vision of the PIN Magazine .........................................(page 5)

THE CEO’S CORNER

Sotheby’s International Realty .........................................................(page 6)

by Philip White

REAL ESTATE

What Boy Scouts Can Teach You About Success In Real Estate .......................................................................(page 8)

by Bubba Mills

Predatory Lending and The Great Mortgage Debacle-Bank Of America Finally Settles Its Debts......................(page 12)

by Eric Frazier

How to Prosper In An Uncertain Market ........................................(page 14)

by Bob Zachmeier

Divorce, 5 Things You Must Know About Your Home Mortgage Before Calling It Quits ..................................................................................(page 19)

by Nancy Braun

Can You Really Find Rest While Working In The Real Estate Industry? ......................................................................(page 22)

by Aaron Zapata

Detroit, Michigan. A Tale Of Two Cities..........................................(page 26)

by Darren Johnson

THE CEO CENTERFOLD

Joyce Essex Harvey ........................................................................(page 32)

PERSONAL DEVELOPMENT

Finding Motivation ...........................................................................(page 34)

by Brittany Hurd

The ABC’s of Leadership .................................................................(page 36)

by Douglas R. Bender, Sr.

Would You Prefer To Work Alone? .................................................(page 40)

by P.S. Perkins

Fail to Plan…Plan to Fail ..................................................................(page 44)

by Lilyvette Rodriguez

TECHNOLOGY

Selling Homes in the Digital Age.....................................................(page 46)

by Wendy Forsythe

Smart Family Apps ...........................................................................(page 48)

by Celeste Davie

TRAVEL

What to Do if you are Injured While Travelling..............................(page 49)

by Celeste Davie

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www.thepowerisnow.com

Mission and Vision of the power is now MAGazine Mission

Vision

The Power Is Now e-Magazine is a national real estate and lifestyle magazine that aims to bring together consumers and the real estate, banking, insurance and investment professionals who serve them. Through smart, fun, and timely editorial content, mixed with compelling photographs and quality advertising, TPIN e-Magazine is a surefire way to stay current on all things real estate.

The Power Is Now Online and e-Magazine will be the premier Real Estate Magazine serving consumers, real estate and business professionals nationwide in all metropolitan markets. The Power Is Now Online and e-Magazine will be viewed as the most effective medium for real estate and business professionals to get exposure to consumers and to share their knowledge and information that will empower them to take action.

Each issue will feature a blend of articles from business and industry professional leaders, on topics ranging from residential and commercial real estate to default services, REO and short sales, finance, banking, insurance, dining, fashion, home design, travel, health/fitness, Book/Movie reviews and more. The Power Is Now e-Magazine will be a free subscription magazine available on www.thepowerisnow.com. The Online version will be a paid subscription with more content, video, radio interviews and commentary from news makers and the writers.

Cover and Feature story profiles:

The cover of each issue will feature our visionary Eric Lawrence Frazier, MBA, publisher of The Power Is Now Magazine and founder and executive producer of The Power Is Now Radio. Each issue will also feature a Power Player Centerfold of an extraordinary business professional who is an exceptional leader in the business, insurance, banking, real estate or related industries.

The Online and e-Magazine will have 26 sections for various articles under The Power Is Now theme: The Power Is Now Real Estate, Real Estate Resource, Real Estate Agent Spotlight, Headline News, Technology, Politics, Community, Health, Medicine, Ministry, Literacy, Education, Entertainment, Cuisine, Music, Youth, Social Media, Research & Reports, Business, Energy, Economics, Life Coaching, Publisher’s Note, Power Player Centerfold, Art and Sports. The writers for each department will all be industry professionals who are practitioners in their field of expertise. We are bringing the best practitioners in the industry together to share their knowledge and experience in their field of expertise. They are industry professionals who can provide advice, and information to make decisions that will enable consumers to navigate through the challenges and opportunities of life.

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©

Administrative Assistant Rachel Bacol CEO & Publisher Eric Lawrence Frazier, MBA 3739 6th Street, Riverside, CA 921506 Ph: (800) 401-8994 ext. 703

SALES National Sales Manager Christina Kimble National Relationship Manager Success Money

EDITORIAL Editor in Chief Eric L. Frazier, MBA Associate Editor & Staff Writer Eric Egana, MA Associate Editor Erica L. Frazier, MBA Staff Writer Dadrea Davie Transcription Gail Valeski

HEADQUATERS The Power Is Now Inc. 3739 6th Street Riverside, CA 92506 Ph: (800) 401-8994 Fax: (800) 401-8994 Email: info@thepowerisnow.com www.thepowerisnow.com www.magazine.thepowerisnow.com

ONLINE Web Designer & Manager Diane Ting DESIGN Art Director & Design Manager Goldy Ponce Graphic Artist Jaime Daniel Costico

ADMINISTRATIVE

PUBLICATION AND SERVICES The PIN Magazine The Power Is Now Radio The Power Is Now Publications The Power Is Now Radio Guide The Power Is Now VIP Agent Program The Power IS Now Power Consulting/Coaching The Power Is Now Association Management The Power Is Now Event Management

STATEMENT OF COPYRIGHT: The PIN Magazine™ is owned and published electronically by The Power Is Now Inc. Copyright 2013-2014 The Power Is Now Inc. All rights reserved.

“The PIN Magazine and distinctive logo are trademarks owned by The Power Is Now Inc. “ThePINMagazine.com” is a trademark of The Power Is Now Inc. “Magazine.thepowerisnow.com “ is a trademark of The Power Is Now Inc. “Thepowerisnow.com” is a trademark of The Power Is Now Inc. “The Power Is Now Event Management” is a trademark of The Power Is Now Inc. “The Power Is Now Radio” is a trademark of The Power Is Now Inc. “The Power Is Now Publications” is a trademark of The Power Is Now Inc. “The Power Is Now Radio Guide” is a trademark of The Power Is Now Inc. “The Power Is Now VIP Agent Program” is a trademark of The Power Is Now Inc. “The Power IS Now Power Consulting/Coaching” is a trademark of The Power Is Now Inc. “The Power Is Now Association Management” is a trademark of The Power Is Now Inc. No part of this electronic magazine or website may be reproduced without the written consent of The Power Is Now Inc. Requests for permission should be directed to: info@thepowerisnow.com

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www.thepowerisnow.com

THE CEO’s CORNER

BY PHILIP WHITE

The Sotheby’s International Realty® network has connected the finest independent real estate companies to the most prestigious clientele in the world for nearly four decades, providing a powerful marketing and referral program for luxury listings.

The brand was founded in 1976 by the venerable Sotheby’s auction house, an international art business established in 1744 that today is a leader in the auction world. The auction house entered into a longterm strategic alliance in 2004 with Realogy Holdings Corporation (NYSE:RLGY), a global leader in real estate franchising, to license the Sotheby’s International Realty name, acquire 15 company-owned offices and develop a full franchise system.

During the last 10 years, the Sotheby’s International Realty network has expanded worldwide, now with 14,500 sales associates based at more than 700 offices in 52 countries and territories. Earlier this year, we received approval to conduct business in mainland China.

In addition, we entered Belgium, the Canary Islands, Belize and Luxembourg. Our mission has and

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will continue to be identifying the highest-quality people to represent our brand in each market. We select only the best: those who share our core values of expertise and exceptional service.

Our performance underscores the power of our brand and the luxury market. Last year, Sotheby’s International Realty affiliated brokers and agents in the United States handled total sales of nearly $60 billion and handled 24 percent more transactions than 2012 – three times greater than gains achieved by the overall market, according to the National Association of Realtors.

Our U.S. sales volume grew by 29 percent in 2013, compared with 18.1 percent for the overall market, and our affiliates reported 31 percent same-store growth.

We support Sotheby’s International Realty affiliates with a host of operational, marketing, recruiting, educational and business development resources. Listings are marketed on the sothebysrealty. com global website. This year we launched a new global referral system to help our affiliates capitalize on the strong luxury real

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estate market and make the most of the connections in our worldwide network.

Sotheby’s International Realty is one of the only real estate brands with full-time staff around the world who are devoted to serving affiliates, providing referrals and consistent service. In addition, our brokers and agents benefit from our worldwide marketing programs and association with the Sotheby’s auction house.

Among many awards received over the years, the Sotheby’s International Realty brand has been honored with Franchise Business Review magazine’s Best in Category for Real Estate Franchise Satisfaction award for seven consecutive years.

This award, which is based on the votes of our affiliates, demonstrates that we are providing them with quality service and valuable tools and resources.

For the remainder of 2014 and beyond, our top priorities are to 1) continue quality growth domestically and internationally, 2) maintain and enhance our position as the leader in the luxury segment, 3) build on our relationship with Sotheby’s auction house globally and 4) make quality the measure of everything we do.

We are committed to achieving those objectives while helping our network achieve even greater levels of success.

Philip White is President and Chief Executive Officer Sotheby’s International Realty Affiliates LLC

Š 2014 ERA Franchise Systems LLC. A Realogy Company. All Rights Reserved. ERA Franchise Systems LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office is Independently Owned and Operated. ERA and the ERA logo are registered service marks licensed to ERA Franchise Systems LLC.

REAL ESTATE

BY BUBBA MILLS

What Boy Scouts Can Teach You About Success In Real Estate substituted scout with Realtor in that sentence.

Not much to argue with there. But again, this is just the start. Here are six more key values all real estate agents can tap into to be better at their jobs.

1. Seek advancement – The Boy Scouts are experts at helping kids improve themselves.

You’ve likely heard about all the merit badges they can earn. These badges help scouts develop physical skills, social skills and selfreliance – and in so doing – the kids get a healthy dose of self-confidence. So, let me ask you this: If you’re not taking continuing education courses, why aren’t you?

When I was growing up in Oceanside, Calif. as an only child to a single mother – both of us staying afloat on love and food stamps – something good happened to me.

My grandfather introduced me to the Boy Scouts of America. It was the lifeline I needed.

Troop 750 taught me many of the life lessons I use every day – to this very day.

In fact, I regularly share those same lessons with groups when I speak publicly. And today, I’d like to share them with you.

Let’s start with the scout law. It reads: “A scout is trustworthy, loyal, helpful, friendly, courteous, kind, obedient, cheerful, thrifty, brave, clean, and reverent.”

I’d say you could do a lot worse if you

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2. Help your community – It’s the image seared in our brains: the devout scout helping the old lady across the street. Community service is an essential part of the scouts and it should be for you, too. You make your living from your community so it’s only natural that you give back to it. Please take time to assess if you’re giving enough time and money back to yours. If not, get busy.

3. Be adventuresome – Scouts explore new ideas and embark on innovative adventures that let them face their fears of the unknown and then conquer those fears. How many of these kids had experience rock climbing, rappelling or whitewater rafting before the scouts? Few if any. But that didn’t stop them from jumping in feet first. What a great lesson for Realtors. If you’re afraid of doing something, get over it. Be bold. Be strong. Do it.

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REAL ESTATE

4. Be prepared – That’s the motto we’ve all heard many times. But being prepared for what? For scouts, it’s about getting prepared for adulthood and life. And in real estate, it’s about being prepared for the ebbs and flows and for what’s coming around the corner. Be prepared and always have a business plan.

5. Know it’s always about the group – One of the first lessons I learned when I joined the scouts at age 7 was that my actions were a direct reflection of the entire group. When someone got booted from the Boy Scouts, it wasn’t the organization that kicked him out; it was his peers in his troop. Realize you’re part of a team with loan officers, builders, attorneys, home inspectors – the list goes on and on – so always do your best.

6. Get outdoors – It’s probably the first picture that comes to mind when you think of a scout – outside building a fire, camping and hiking.

I like to compare this to agents because it’s a fine reminder for you to get out of your office to get some new business. It’s not coming to you, you go to it. So get to it!

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Let me hear from you. What can you learn from the Boy Scouts? Do you need to work on advancement? What Realtor designation have you been putting off? What about community service? Is there a local nonprofit that’s a good fit for you and your interests? Please send any comments or questions to Article@CorcoranCoaching.com or http://www.facebook.com/CorcoranCoaching.

Bubba Mills is executive vice president of Corcoran Consulting and Coaching Inc. (www.corcorancoaching.com/programs, 800-957-8353), an international consulting and coaching company that specializes in performance coaching and the implementation of sound business systems for residential REALTORS®, mortgage brokers and real estate companies. We look forward to hearing from you. Sign up TODAY for your complimentary business consultation at www.CorcoranCoaching.com./free-businessconsultation.

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REAL ESTATE

BY ERIC FRAZIER

Predatory Lending and The Great Mortgage Debacle-Bank Of America Finally Settles Its Debts Predatory Mortgage lending practices paved the way for the mortgage crises that peaked in 2008. Now, in 2014 Bank Of America has finally agreed to a $16.65 billion dollar settlement with the federal government for its role in the mortgage meltdown but many are skeptical of the actual cost to the bank and the benefits it may or may not bring to desperate mortgage holders.

Predatory lending takes many different forms but in every instance of predatory lending the financial institution takes financial advantage of the consumer. Charging exorbitant interest rates, adding extra points, bogus fees, high fees and extra charges are all examples of predatory lending. Another form of predatory lending is the sub prime mortgage. Sub prime mortgages are questionable mortgages where financial institutions approve mortgages for people that are not credit worthy and have little or no chance of paying back the loan. This practice puts people’s financial future in jeopardy and sub prime mortgages have played a large part in the mortgage debacle.

Predatory mortgage lending has many negative effects. It

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drains away the savings and wealth of families; it destroys the benefits of owning a home and leads to short sales or foreclosures. This in turn seriously affects the credit of the mortgage holder often forcing individuals and families to declare bankruptcy and in the worst-case scenarios makes families homeless.

In 2008 Bank of America bought out Countrywide and Merrill Lynch. Both companies were in trouble at the time Bank of America bought them out. Charges were brought against Bank of America and the companies they bought for selling investors questionable or “bad” mortgages. Early on, Bank of America resisted settling because the bad loans they sold to investors originated with Countrywide and Merrill Lynch. It was not until a federal judge ruled

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that Bank of America was liable for all of its pre-merger mortgages and issued a $1.3 billion dollar penalty against the bank that Bank of America finally decided it was in their best interest to come to a settlement with the government. According to CEO Brian Moynihan the settlement reached and approved on August 20th for $16.65 billion is “in the best interests of our shareholders and allows us to continue to focus on the future.” The settlement is supposed to provide consumer relief and includes a $5 billion dollar cash penalty and $4.6 billion dollars in mortgage remediation payments.

What is the real story behind this settlement? It is the story of the predatory lending that provided mortgages to so many people that could not really afford them. Worse yet has been the banks poor track record in working with homeowners to keep their properties. Often the banks drag their feet so long in processing short sales, for example, that the buyers lose patience and drop out.

When that happens the homeowner often ends up in foreclosure if another buyer cannot be found quickly. In terms of the actual settlement much of the money earmarked to help mortgage holders will not actually benefit the mortgage holders because it is literally too little, too late.

Many homeowners have already lost their properties are or will lose them before their eligibility to receive help can be processed. Realistically, only a small part of the homeowners in trouble would qualify for refinancing under the settlement. Adding to the problem is that the process to qualify and receive help may drag out for several years.

That means some payouts may not even be made until 2018. The settlement is not likely to provide any benefits to individuals and families that have already lost their homes through short sales or foreclosure.

Kevin Stein, associate director of the California Reinvestment Coalition had the following to say about the Bank of America and other recent major bank

settlements: “it is hard to see how these settlements provide relief commensurate with the harm caused, countless families and communities have been devastated by predatory loans that should not have been made.”

The Bank of America settlement makes it a requirement for Bank of America to reduce some homeowners’ loan balances in the form of mortgage write downs or modifications. They are also mandated to provide new loans to low-income buyers to help neighborhoods that have suffered significant blight as a result of foreclosed homes auctioned off by the bank.

The reality is that Bank of America will probably end up paying about $12 billion dollars instead of $16.65 billion dollars while millions of Americans continue to struggle to pay their mortgages. How is this possible?

There is a question as to how much of the cost of the $7 billion dollars in mortgage assistance for borrowers the

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bank will actually have to pay.

Even though the bank will cut the principal of a loan to help borrowers afford their payments the dollar amount of that reduction will then be credited against the settlement amount. The other financial benefit to the bank comes in the form of tax deductions. Tax analysts believe that Bank of America could save $1.6 billion dollars in taxes on the $4.63 billion of payments planned for the states and some federal agencies under the terms of the settlement.

Many in the federal government admit that the Bank of America settlement is flawed but they also say that it brings more relief to more homeowners than any of the prior settlements made with other large U.S. Banks. Bank of America may be feeling a financial pinch but for the Americans who have lost their homes or are in the process of losing their homes the bank’s pain is minimal in comparison to the pain of becoming homeless or having to start over.

www.thepowerisnow.com

REAL ESTATE

BY BOB ZACHMEIER

HOW TO PROSPER IN AN UNCERTAIN

MARKET

As a “data hound” I regularly track the market and speak with real estate agents from coast to coast every week. I’ve determined that real estate sales are slowing in many parts of the country.

There are many reasons home sales are lower than last year. Here are a few:

who didn’t apply because they knew they’d be turned down! (less buyers)

1. Investors who were in the market a year ago have pulled out, especially in areas that have appreciated quickly over the past few years. (less buyers)

8. With more supply and less demand, appreciation has slowed significantly which has greatly diminished the urgency to buy a home. (less buyers)

2. Fix-up buyers (often called “flippers”) aren’t buying because they can no longer find homes at 70 cents on the dollar to profitably buy, rehab, and resell. (less buyers)

In my Tucson, Arizona market, there are 35% more homes listed on the MLS than in June, 2013, but year over year sales are 10% lower.

The chart in Figure 1.0 shows that prices in Tucson have recovered less than half of the value lost since the market peaked in 2007.

3. Buyers who “sat on the fence” for four years while prices and interest rates were falling have now purchased homes so there is no longer a backlog of pent up demand. (less buyers)

7. The number of homes listed for sale is increasing substantially as home owners attain equity after years of owing too much to be able to sell. (more sellers)

4. Banks are lowering interest rates again which has created a new pool of buyers “sitting on the fence” waiting for lower interest rates. (less buyers) 5. First-time buyers entering the market aren’t earning as much and can’t qualify for a mortgage due to higher levels of student loan debt. (less buyers) 6. Banks are turning down 4 out of every 10 loan applications, which doesn’t include those

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Figure 1.0

REAL ESTATE

In contrast, some California markets have rebounded so quickly that they’ve now surpassed their 2007 highs. With prices at alltime highs, nobody is upside-down anymore!

The homeowners who would have sold several years ago but owed to much have now all been freed to sell at the same time, causing a “stampede” of new listing activity.

Oversupplying a market with an already declining demand is causing homes to languish on the market unsold. As the number of days on market increases, the number of price reductions have also increased substantially.

Properties in the lower price points won’t be affected very much because demand for lower priced homes is very high, but mid-level and luxury home markets inundated with a surge of listed homes will experience downward pressure on home values. When prices start to fall, panic sets in and even more homes, especially in the higher price points, will be listed, making the problem even worse!

The double-digit appreciation many markets experienced over the past few years cannot be sustained unless a similar increase occurred in the job market. That is just not happening. The number of jobs may be back to pre-recession levels but the pay scale is certainly not higher.

When you throw a boulder into a pond, there isn’t one big splash and then immediate calm.

We’ll see smaller and smaller waves until we return to normal.

As the traditional market slows down, I’ve been focusing my efforts on helping the 4 out of 10 buyers who banks are turning down for a mortgage. These credit-challenged buyers are not deadbeats who are late on their cable bill!

They’re self-employed business owners, people who’ve changed jobs in the past two years, people who have too many loans, and people who lost a home several years ago but are now back on their feet. These buyers are educated and understand the benefits of home ownership, but they’ve been forced to helplessly watch home values increase from the bank’s “penalty box” because they couldn’t

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qualify for a loan.

Instead of wasting their money on rent, these credit-challenged buyers will gladly pay a premium to buy a home because they know they’ll quickly recover it with the principal, appreciation and income tax benefits of home ownership.

Sellers who help these credit-challenged buyers are rewarded with a higher price and a faster sale than traditional buyers will offer, and the retirees who fund these loans receive a return 30 times higher than banks are paying them on their money.

How many buyers can you attract if you get them into a home nobody else will let them to buy?

How many sellers could you find if you had buyers willing to pay a premium on their home?

How many retirees could you find who would like to receive 30 to 35 times more than banks are currently paying them on their money?

There are virtually no competitors in this arena and at least 50% of all buyers who would buy are not being serviced. This is the new REO, the “tsunami” has finally arrived!

Bob Zachmeier is a real estate broker in Tucson, Arizona who is known for his innovative marketing programs. Bob’s team has sold more than 3,000 homes in the past 10 years and he’s shared his success in five books.

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Who is Intercap?

Here is a company snap shot . . .

• Intercap Lending is a dba of Suburban Mortgage Company of New Mexico, with over one billion dollars in loans currently in servicing • Direct lender since 1978 • Direct seller/servicer and issuer of Fannie Mae, Freddie Mac and Ginnie Mae Securities (less than 1% of ALL lenders have these three approvals!)

• FHA Full Eagle / VA LAPP • No bank overlays • Direct secondary marketing access • Unique and proprietary products along with a proprietary down payment assistance program (1/2% down) • In-house central processing, loan docs, underwriting, funding and securitization • Purchase-oriented company • Average processing time to funding is 26 days • 10 branches and growing, in 20 states • Our loan committee meets daily to review exception files • Exceptional customer service from all departments of the company • Experienced loan officers with management support that pushes pipelines for on-time closings CALL TODAY OR VISIT OUR SITE: INTERCAPLENDING.COM Eric L. Frazier MBA NATIONAL SALES MANAGER DIRECT: 949.600.4134 CELL: 714.361.2105 TOLL FREE: 866.644.1046, EXT. 1211 efrazier@intercaplending.com thepowerisnow.com/intercaplending

Corporate Office: 26880 Aliso Viejo Parkway, Suite 100, Aliso Viejo, California 92656

Applicant must meet credit and income requirements. Minimum FICO score of 640 required. Certain restrictions apply and not all applicants will be approved. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act #4131105. Intercap Lending is a dba of Suburban Mortgage Company of New Mexico. NMLS #190465. Models do not reflect racial preference.

REAL ESTATE

5

BY NANCY BRAUN

Divorce:

Things You Must Know About Your Home Mortgage Before Calling it Quits

Divorce is a tough situation which can lead to many emotional and financial issues that need to be resolved.

One of the most important decisions is what to do about your mortgage.

In the midst of the heavy emotional and financial turmoil, what you need most is some non-emotional, straightforward, specific answers.

Once you know how a divorce affects your mortgage, critical decisions are easier.

The purpose of this report is to help you ask the right questions so you can make informed decisions that will be right for your situation. Below are five things you need to know about your mortgage before you divorce.

1. Buy Out Your Spouse – If you intend to keep the house yourself, you’ll have to determine how to continue to meet your monthly financial

obligations, since you now only have one salary. If you used two incomes to obtain the old loan, qualifying for a mortgage might be a challenge.

2. Find a Reputable Broker – It is important to work with a broker who has dealt with divorced clients before.

Applying for a loan and mortgage can be a difficult situation when you are dividing up finances.

3. Watch Your Credit – For many, a divorce can be damaging to their credit. It can be avoided, but if not monitored carefully, applying for a mortgage can be difficult.

4. Who’s Responsible for the Payments – When you first purchased your home, you and your spouse together signed a deed of trust, or mortgage. Even when you

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divorce, you both are still legally bound to make payments. Make a point to tell your divorce lawyer to have either you or your spouse refinance the existing mortgage.

5. Attention to Detail – It’s easy to just focus on the big picture of divorce, but it is essential to pay attention to the smaller things. Attention to detail is essential—dot all your ‘I’s and cross all your ‘T’s so there are no problems when dealing with your current, or future, mortgage.

Nancy Braun Broker/Owner Show Case Realty nancy@showcaserealty.net 704-488-3109

www.thepowerisnow.com

publisher’s note

September 2014 | Vol. 01 Issue 7

Esteemed readers, No September issue of any magazine can be published without having some sort of cliché message about school being back in session but we are going to be daring and ignore this rule. School is back in session and I drop my 18 year old off at Cal Poly Pomona on 9/22. I couldn’t help myself. To be honest about it I like cliché messages. Look out for more.

The world doesn’t stop just because its summer time and school is out; in fact, the summer was an extremely important time for the real estate industry for both home buyers and real estate agents. Data in July, presented in August, indicated that the sector turned a corner and recovered from the deep freeze that set in earlier in the year. Halleluiah! Thank the Lord for what seems like a recovery but I probably shouldn’t start rejoicing too soon.

In my area Riverside California Inventory is increasing and sales are slowing down. Homes for sale in many markets in Riverside and San Bernardino County are taking longer to sale and we are seeing price reductions. But this is just my little world in the IE (Inland Empire).

On Aug. 21 the National Association of Realtor released existing home sales data for July in the report Lawrence Yun, NAR chief economist, said that momentum is slowly building as the labor market shows signs of improvement in the release of. “More people are buying homes compared to earlier in the year and this trend should continue with interest rates remaining low and apartment rents on the rise,” he said.

The health of the sector was confirmed a week later as the NAR said pending home sales in July hit its highest level in more than a year, an indication that more people are in the process of buying homes. The data also shows that home prices are on the rise. At first glance this does not sounds like good news for new home buyers but it actually is; increased prices means a stabilization in the market, which translates into less risk for the first time home buyers.

It is not just the real estate market that is improving; the economy continues to meander down the road to recovery, highlighted by consumer optimism, which hit a seven-year high in August.

Okay now that we have got all the stuffy data out of the way, I wanted to bring our attention to the magazine cover and two articles in this month’s magazine that are related in a ying/yang, opposites-attract sort of way.

On the cover and our CEO centerfold for this issue is the one and only Joyce Essex Harvey.

Joyce is the real deal and I am honored to know her. She is a highly respected and successful real estate professional closing more than billion dollars in sales. Read her story and look out for her interview on the Power Is Now Radio very soon. You will be inspired. Now, the first is an article by Aaron Zapata, broker-owner of Zapata Realty in Yorba Linda, CA. Zapata explains that it is important to find some time for yourself to rest and recharge your batteries. What in the heck is he talking about?

I will rest when I die - just kidding. Seriously – I need a vacation like fish needs water. This is an extremely important concept because it is easy to lose sight of what is important when you are trying to build a real estate business, provide excellent service for your clients or go the extra mile to close a sale for your clients. Aaron hit a nerve with me in this great article.

“Rest is not laziness. Rest is not wrong. Rest, when done while I am awake, is refreshing,” he said. I need to get some rest. Thanks for a great article Aaron now go get some rest.

On the flip side is an article by Brittany Hurd, director of marketing at LRES Corporation, who explained how, through the birth of her daughter at an early age, she was able to motivate herself to finish her education, better her employment situation and buy her first house. I can relate to all of that.

My wife and got married at 19. We will celebrate 33 years of marriage on December 19th. Getting married at a very young age motivated me to work hard to be the man she married even though I was still a boy. I didn’t get very much rest. I worked very hard and still do to this day. Necessity is the mother of invention. Brittany you are an inspiration because you didn’t let your circumstances dictate your future. You are the captain of your ship and the master of your destiny. Keep inspiring people and get some rest.

Now that the lazy hazy days of summer are over and fall is just around the corner it is important to balance these two themes, making you not only happier but also more productive. Thank you to all the incredible authors who write for The PIN Magazine and for those of you who share the magazine with your friends and family. Look out for the November Issue it is going to be awesome.

Eric Lawrence Frazier, MBA President/CEO of The Power Is Now Inc. www.thepowerisnow.com

REAL ESTATE

BY AARON ZAPATA

Can You Really Find

Rest

While Working In the Real Estate Industry?

What is rest? We work in an industry that does not sleep. 24/7, seven days a week, we are bombarded with information, requests, phone calls, text messages, emails, and more. All of these demand our time, our commitment, and our attention. How do we find rest in an industry like this? For even if we can get away, our minds are brought back to the never ending list of things to do that are not yet completed.

We find rest when our body, mind, and soul all agree to linger and stay in one place for a while, taking in the surroundings, refusing to go on to the next until you are satisfied with the moment. We know we need rest, but finding it proves to be difficult.

I am not an expert in finding rest but have made great progress in moving in that direction. My whole life I have been busy trying to accomplish more in a shorter amount of time, which earned me the nickname “running man” when I was in my 20s.

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My mind runs day and night seeking to build something that is greater than I. Believing t hat I am destined for something greater than what I currently possess, I push on in business, neglecting rest. Can you relate to that?

But that does not describe my day today. Today I am resting.

Today, a Saturday, I find myself in the mountains camping with friends and my boys. I write this, not out of obligation or deadline, but because I find joy and solace in writing. It actually helps me find rest.

I’m sitting in my red Tommy Bahamas’ chair listening to my son and his friend play a game that is only fun in the mountains (I’ve never seen anyone play it elsewhere).

My other son is out collecting pinecones with his friends and spending hours roaming the camp looking for interesting things to do and see. We spent hours making bows and arrows out of pine and oak tree branches too. Tonight we will roast marshmallows and

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make s’mores. We are in no hurry and nothing is clamoring for our attention. We are in a state of rest.

A book sits half-finished on the picnic bench seat next to me.

I’ll get to it this weekend when it’s time.

I used to associate rest with laziness. I thought to myself, “When I am sleeping, I am resting.” I thought that if I slowed down and rested while I was awake that I was lazy.

This came from a fundamental misunderstanding of what it means to rest. Rest is not laziness. Rest is not wrong.

Rest, when done while I am awake, is refreshing. Rest (both mental and physical) is required and should be desired because it brings all things back into perspective.

When we fail to take time to rest, we neglect the nourishment of our soul.

If you have read any of my previous posts, you will know that I am a Christian and I believe in a God who has shown me immeasurable love.

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REAL ESTATE

The number one factor that contributes to my ability to rest is the belief that, no matter what, God will provide for me because he loves me and wants to take care of me. I don’t have to worry that if I take time to rest that everything will fall apart. I don’t have to fear missing that “important” phone call if I don’t have my cell phone on all the time. No, I can turn off electronics for a time and not worry that I missed a deal or that someone is mad at me.

Why? Because God is the one who provides all good and perfect gifts.

My favorite verse in the Bible that teaches and reminds me to rest is found in Psalm 127:2.

In the New American Standard Version it reads like this: “It is vain for you to rise up early, to retire late, to eat the bread of painful labors; for He gives to His beloved even in his sleep.”

Did you catch that? He gives to his beloved while they are sleeping.

I’ve seen this happen in my life many times. There have been more times than I can count where I have decided to stop working because I needed to rest. One time when I was earning my Master’s Degree I couldn’t figure out the solution to a math problem. It was really

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late and I needed sleep so I left it undone. That night I had a dream and in my dream I saw the solution to the math problem. I woke up from my dream in the middle of the night and completed the problem with the correct solution. What I couldn’t do while awake, God helped me accomplish in my sleep. That was a powerful experience that I will never forget.

There have been times when, while resting, clients have called and emailed me and said, “Call me tomorrow, I want to sell my house.” I’ve had many experiences to reinforce the fact that God is working on my behalf, even while I am resting. He’s not obligated to do this, but because of love for me, he does it. He knows that value of rest and gives to his children even while they are resting.

This weekend is a time of rest for me. I know there may be people who choose to select someone else to work with because I don’t return a phone call ASAP or respond to their email or text within the “5 minute” rule we’ve been taught. My faith allows me to carry on, however, in rest, knowing that I will be okay. My family will be okay. My future in real estate will be okay.

I had to make a decision a

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long time ago regarding the kind of clients I want to work with. I decided that I wanted to work with clients that had a healthy respect for boundaries, especially my boundaries when it came to evenings and Sundays. Against the counsel of my Sales Manager at the time and the general wisdom of the real estate community, I changed my voice mail to include the following, “If it is after 5:45pm or on Sunday, I will call you the next business day. Thanks for calling, God bless.” I cannot tell you how many real estate agents have commented on my voicemail, telling me how much they like it. Obviously it strikes a cord with many of them, especially those that are tired and who are enslaved to their cell phones who have not yet discovered boundaries in real estate are necessary.

Has my voicemail message impacted my business?

Absolutely…for the better. I attract clients who appreciate boundaries. Instead of getting calls at 7pm or 10pm at night and expecting a call back, they either wait until the next day or call before the 5:45pm cut-off time. They don’t get bent out of shape when I call back the next day. It’s mutually beneficial.

Let me close with this thought.

This morning I received a text from a current client that read, “Aaron could you call me Monday because I don’t want to make you work if you have the weekend off.” I do have the weekend off because I am in the mountains with my kids. But you know what I did? I called her back when I had a few minutes while the boys were off playing. Why? Because when I am in a place where I am rested and when I can return a call without feeling the obligation of returning the call, I am a better listener and communicator and a better agent. And I returned the call because I

know that her husband had a medical procedure yesterday and she was going to give me an update on his condition. I sincerely want to know how he is doing. She thanked me for calling and I told her I’d be praying for her husband as they do follow up procedures this week. I ended the conversation and continued to pursue rest.

I’m still at rest.

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Aaron Zapata is the BrokerOwner of Zapata Realty, Inc. located in Yorba Linda, CA and holds a Biblical and Theological Studies degree from Biola University and a Master’s Degree in Business Administration (MBA) from California State University, Fullerton. His team consistently ranks in the top 3% nationwide based on annual sales volume and serves clients throughout California. He frequently writes and speaks on the topic of integrating Christian principles into the real estate industry.

www.thepowerisnow.com

REAL ESTATE

BY DARREN JOHNSON

Detroit, Michigan A Tale of Two Cities Detroit Michigan has been the hub of the American Automobile manufacturing industry for decades thus giving rise to Detroit’s nickname “Motor City.” Detroit has always been a city of transformations and it is even more so today. It is the largest city along the United States and Canada border and it is a primary business, transportation, financial and cultural center in the Metro Detroit region as well as serving as a major port on the Detroit river which links the Great Lakes system and the St. Lawrence seaway.

Detroit In the Past Detroit has a long and colorful history. From 1805 to 1847 detroit was the capital of Michigan but in 1812 Detroit was captured by the British during the war of 1812 and then recaptured the following year by the United States. It was incorporated as a city in 1815.

Before the start of the American Civil War, it was a key stop along the underground railroad because of the city’s access to the Canadian Border. During the 1830’s the city saw continued growth and prosperity with the rise of shipping and ship building as well as manufacturing industries. Because of its strategic location along the Great Lakes waterway system Detroit became a major transportation center. BY 1896 Detroit enjoyed a thriving carriage trade that attracted Henry Ford to the area and Detroit is where he built his first car. During this “gilded time” many wealthy businessmen and shipping magnates began building mansions east and

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west of the current downtown area giving rise to Detroit’s reputation as the “Paris of the West.”

In 1903 Henry Ford founded the Ford Motor company and he was joined by other automobile manufacturers including the Dodge brothers, Packard and Walter Chrysler. All this automobile manufacturing made Detroit the automobile capital of the world and a magnet for other industries because of the ease of transportation and drove economic stability for the city.

During the decade of the 20’s Detroit became a center for the Ku Klux Klan and racism and discrimination began to grow strong. During the African-American civil rights Movement of the 50’s and 60’s Detroit experienced growing conflict between the police and inner city black youth that ended in the Twelfth Street riot in July of 1967. Immigration is being welcomed

by Detroit in 2014 as a way to repopulate and rebuild the city but there is also tension because the city is primarily black, poor and the victims of gross mismanagement. So there is well founded concern about inviting and integrating immigrants into the city to save it.

Detroit became a major U.S. metropolitan area during the 1950’s and 1960’s as the regional freeway system was being completed and commuting by car continued to increase economic growth. The ability to commute by car also drove a new era of low density suburban development as opposed to high density city living. Ultimately, this trend began to erode Detroit’s tax base.

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www.thepowerisnow.com

REAL ESTATE

The 1974 Milliken vs. Bradley decision regarding desegregation had a great impact on Detroit and the nation because after the decision which made desegregation almost impossible in many of the northern metropolitan areas because of existing segregated housing patterns. This decision caused a mass flight of white people from the inner city to the suburbs and set the stage for the imbalance between the rich and poor and consequently the erosion of Detroit’s tax base. Adding to Detroit’s problems the gas crisis of 1973 and again 1979 made the environment right for small car foreign automakers to get a hold in the U.S. car market further weakening Detroit’s tax base.

Detroit Today The 1970’s and 80’s was an era of Renaissance. City leaders focused on revitalizing Detroit with the Renaissance Center, a complex of skyscrapers that was designed to be a “city within a city” along with other developments which began o slow and reverse the trend of businesses leaving Detroit for other cities. In the 80”s and 90’s a lot of vacant and unsafe building were demolished and the revitalization continued with two new large auto assembly plants being built in the city, numerous large developments, and One Detroit Center. Early in 2000 and 2002 new stadiums were built for the Detroit Tigers and the Lions and three new casinos were built. Two historic hotels were also refurbished and reopened and a lot of investment went into medical research facilities and city hospitals.

The city also began revitalizing the city’s waterfront starting in the early years of 2000 and completed it as part of the city’s 300th anniversary. The waterfront continues to be a main element in the city’s plan to enhance its economy through tourism.

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The Decline Detroit, like many other rural cities and communities, has experienced consistent declines in population since its population was at its peak in the 1950’s census with 1.8 million people. The census in 2010 reported Detroit’s population to be just over 700,000 people. This population decline has resulted in severe urban decay and blight with thousands of abandoned homes, apartment and commercial buildings. Many areas are very sparsely populated causing difficulty for the city in providing municipal services. More than half of the 305,000 property owners failed to pay their 2011 property taxes making the city’s financial crisis even worse.

High unemployment rates and the flight of middle and upper class whites to the suburbs resulted in depressed property values, any abandoned buildings and neighborhoods a big socio-economic imbalance and high crime rates. On July 18, 2013 Detroit filed for bankruptcy protection and on December 3rd the city was declared bankrupt.

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After the Fall Like the phoenix, Detroit is once again looking to rise from the ashes of bankruptcy and according to city officials the news is not all gloom and doom In fact, they say Detroit is a city on the brink of an historic comeback.

There are many promising signs and facts. State unemployment rates have dropped 5.2% to 9% from a high of 14.25% in August of 2009.

The population is also growing once again and many of the town’s largest companies are showing profits instead of losses. Many companies and investors are actually investing more in Detroit. Small business owners, many of them black, and entrepreneurs are the city’s silent heroes powering Detroit’s economic recovery. Detroit just welcomed its first whole foods indicating the willingness of companies to invest in Detroit and be a part of its renaissance.

Leaders have come up with their plan to exit bankruptcy and the confirmation trial began on September 2, 2014. The city has received donations of over 800 million dollars over 20 years from the state, major corporations, foundations and individuals helping them to avoid selling off works of art as well as concessions to cut state pensions which should put Detroit back on the road to prosperity.

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www.thepowerisnow.com

THE CEO CENTERFOLD

JOYCE Essex Harvey Thanks to referrals from satisfied customers, Joyce Essex has closed more than a billion dollars in sales and was the number one agent in all of Greater Los Angeles County in 2008, 2009 and 2010.

One of the Westside’s most respected and successful real estate professionals, Joyce Essex brings 25 years of real estate marketing experience to the Essex & Harvey team. A member of Coldwell Banker’s International President’s Premier and Society of Excellence, she is among the top 1% of real estate agents internationally. She is also a member of the Architectural Division of Coldwell Banker International. Joyce was honored by the Board of Directors of the National Association of Professional Women as a 2010/2011 “Professional Woman of the Year.” In addition, Joyce is a Certified Negotiator Specialist. In 2008, 2009 and 2010, Joyce was the number one agent not only in the Westside of Los Angeles, but in all of Los Angeles County closing more than $550 million in sales in the past 3 years.

In the Beverly Hills North office, which is the highest producing Coldwell Banker office in the world, Danny and Joyce were honored as being the #1 sales team for 2005, 2006, 2007, 2008, 2009, 2010, 2011 and 2012.

Joyce attributes her success to her innovative marketing sales program and the many loyal customers in the Westside of Los Angeles.

Committed to providing the highest caliber of professional, personal service, she handles both the business and emotional sides of every transaction with empathy, efficiency and integrity. Her respect and appreciation for the unique needs and priorities of each buyer and seller has earned her the loyalty of large numbers of Westside residents including many well known celebrities, sports figures, business managers, executives and attorneys. Much of her business is based on the referrals of satisfied customers.

A highly motivated, educated and skilled professional, she graduated Magna Cum Laude with

a Bachelor of Science Degree in Interior Design from California State University, with emphasis in architecture and business.

Dedicated to serving her community as well as her clientele, she is actively involved with several local organizations. Joyce donates to various local schools and charities including Operation Children, APLA, Free Arts for Abused Children, Make a Wish Foundation, Habitat for Humanity, Thalians, John Wayne Cancer Institute, Fred Jordan Mission and the Amanda Foundation. She currently is on the board of Operation Children and has been on the board for several years. This non profit organization assists Los Angeles County in finding homes for foster children. It has always been important to Joyce to help develop a better community.

Accreditations: Five Star Professional Designation (Short Sale),Certified Residential Specialist (CRS), Senior Real Estate Specialist (SRES), RDCPro, LMCPro, CDSP, SFR (Short Sales & Foreclosure Resource/NAR), A*REO (Accredited REO Agent), Certified HAFA Specialist, CDPE, Equator Certified (Platinum – REO & Short Sale), Designated Architectural Specialist in the CB Architectural Properties Division, Certified Negotiator Coldwell Banker’s Master Series, Executive Director of Previews International Division.

Technologies Used: CLAW, SRAR, Trulia, Redfin, Homefinder.com, hbm2net.com, Realtor.com CAMoves, Zillow.com, Movoto.com, Estately.com, Homes.com, FirstTeamEstates.com.

Office: 310-777-6375 Email: Joyce@EssexHarvey.com www.EssexHarvey.com

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www.thepowerisnow.com

PERSONAL DEVELOPMENT

BY BRITTANY HURD

Mot ivat ion

Finding Motivation

“The secret to getting ahead is getting started”

FINDING

Motivation is the force that drives human behavior. What is your motivation for waking up every morning, going to work, pursing your goals? Without motivation, even the smallest tasks may seem overwhelming. As human beings, we need to be motivated to perform at our best. Five years ago, I discovered what motivation truly was when I had my beautiful daughter. She entered my life unexpectedly and changed it for the better. She became the driving force that enabled me to get started and get ahead.

Motivation to overcome adversity I had my daughter at a young age. Six months into her life, I became a single mom and was solely responsible for her financial well-being. I imagine I felt as most new moms do, lost and uncertain; but then there was the additional burden of providing for my daughter when I had no true career path and little education.

This was the moment I realized I needed to make a change to create a better life for my daughter. She was my motivation to accept

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- Mark Twain

the situation for what it was, set a plan to overcome adversity and become a strong role model. One evening as my daughter laid sleeping, I created a plan and committed to achieving three long-term goals:

1. Obtain further education 2. Gain additional job responsibilities 3. Purchase a first home Motivation to accomplish goals It’s one thing to create a plan, and another to execute it. My first step was making the decision to go back to school to complete my undergraduate studies. While in school, I worked a 40 hour work week and continued to be the primary caregiver for my daughter.

There were days when the responsibility became overwhelming and it was difficult to stay focused on the goal. It was only when I would look into my daughter’s eyes that I would find the strength to continue on.

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After two years of working and going to school full time, I earned my bachelor’s degree in business administration and graduated with high honors. During this time period I was also promoted within my company to a manager’s position, then a director’s position (largely due to the practical application of my studies).

I had achieved two of the three goals that were set in place and shortly after graduation; I purchased a first home for my daughter and myself. I was able to accomplish all this through the support of my family and having my daughter as my main motivation.

Motivation to achieve the impossible If anyone were to ask before the birth of my daughter if I would be able to accomplish these things, I may have been skeptical. The purpose of writing this article is not to be selfpromoting or boastful, but to inspire others to find their motivation and achieve the impossible. There will be days when you feel like you cannot stay the course, but no matter what the situation or adversity you face, find your motivation to get started and get ahead.

Brittany Hurd – Director of Marketing, LRES Corporation. With almost 10 year’ experience in the real estate industry, Brittany Hurd has a broad knowledge of both property valuations and REO asset management services. Her industry knowledge has assisted in her role as Director of Vendor Management at LRES Corporation, where she was responsible for administering the nationwide network of real estate professionals while monitoring state and federal regulatory requirements. She has recently transitioned to her new role as Director of Marketing where she is responsible for conducting market research, supporting and implementing new corporate initiatives and increasing LRES brand awareness. Brittany holds her B.A. degree in Business Administration from Vanguard University of Southern California.

Direct Contact: 714-872-5872, bhurd@lres.com

Dive deeper and discover a complete list of solutions at PEMCO-Limited.com

Sample Services Premarket Services Compliance Oversight Due Diligence Vendor Management Closing Facilitation and Management Program and Inventory Marketing Services Sales and Homebuyer Education Property Preservation Property Management Real Estate Sales Facilities Maintenance

PERSONAL DEVELOPMENT

BY DOUGLAS R. BENDER, SR.

The

of Leadership A recent new study by the Center for Public Leadership at Harvard’s John F. Kennedy School of Government and U.S. News & World Report (September 2006) reports that 70% of folks in the U.S believe there is a leadership crisis in America. So do I! If you had ‘Googled’ the word ‘leadership as I did in January 2007 when preparing to write my first book you would have gotten 163 million references on the Internet. If you had ‘Googled’ ‘fol¬lowership’ at that same time you got 192,000... a little over one-tenth of the sites for leadership. We have a fascination for leader¬ship and how it is to be executed. We

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used to believe that leaders were born not made. In recent decades we have come to know differently. The fact is that because leaders are at the pinnacle of organizations they are expected to somehow magically (and single-handedly) lead their organizations to greatness.

There have been almost innumerable studies and research on what makes leaders successful. As a senior level HR executive for many years I have personally drawn upon this vast array of research to help coach and counsel lots of leaders in corporations on how to improve their game.

What I learned over the years is that, like everything in life,

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the answers can often be complex but the solutions can be quite simple if the individual is willing to learn more about themselves, their colleagues and the organiza¬tions they serve.

A very good friend of mine, Ken Hampton, a Senior Vice President with the Waco Chamber of Commerce has a great perspective about leader-ship: “A great leader is one that sees himself as a steward of the resources and lives that he’s been tasked with achieving the defined business results.

My idea of leadership is emphasizing collaboration, trust, empathy, and the ethical use of power, trust, empathy,

Speed, Accuracy and the LRES Way.

For bulletproof Valuation and REO Services, call on the LRES Team.

From Los Angeles to New York, LRES people leap in where others fear to tread. Behind their mild-mannered appearance beats the heart of a superhero—one that can solve even the most formidable valuation and asset management challenges with superhuman speed and accuracy.

For an unassailable real estate services partner you can count on nationwide, contact one of the superheroes from the LRES Team: 800.531.5737 or email sales@LRES.com.

765 The City Drive South ∆ Suite 300 ∆ Orange, CA 92868 (5737) ∆ www.LRES.com 800.531.LRES The PIN MAGAZINE | 37

www.thepowerisnow.com

PERSONAL DEVELOPMENT

trust, empathy, and the ethical use of power. The leader is a servant first, making conscious decisions to lead because he wants to serve the enterprise and individuals rather than be absorbed in driving his own need for power.

A great leader enhances the growth of individuals in the organization to increase teamwork and personal involvement to drive effective business results.

To be a great leader you have to be a great follower. Even more importantly, a great leader sees himself as the same as those he leads.

No one is more important than the other, they just have different roles.

Leadership employs vision, principles, and commitment to drive great behavior, teamwork, results and experiences for those of which he’s been privileged to serve under his leadership.”

A New York Times study in 2001 revealed 25% of employees reported being driven to tears in the workplace. 50% of workers are calling their place of work a place of “verbal abuse” and “yelling”. 30% of workers believe they are regularly given unrealistic deadlines and half of them report that they have to work 12 hour days to get the work done.

The Harvard Business Review estimates that ‘presenteeism’ (workers who come to work but aren’t productive at all) costs in America to be at $150 billion annually. The Gallup Organiza¬tion studies say

that as much as 30% of the average workforce is “actively disengaged”! My take on what this means is just this... if an employee is actively disengaged they are not only not working for you, they are deliberately working against the goals and ob¬jectives of your organization! It has also been my experience that employees will undermine the organization (if only in an inno¬cent way) until leadership address the dysfunction.

My question is what are organizational leaders doing about this? Do they even know about it? Overwhelming stats like these are a clear call for better leadership.

My personal experience in working for some of the finest or¬ganizations in the world is that there is no magic bullet that will instantly work for everyone. In fact, every leader is different, and the skills and competencies each needs to work on will be dif¬ferent.

There is an array of factors that spell success for organi¬zations and their leaders. However, almost all of the skills and competencies for great leadership can usually be agreed upon.

“Simplicity is the ultimate sophistication.”

— Leonardo Da Vinci

I challenge you to ask yourself questions... lots and lots of questions about your experiences with leadership, your orga¬nization’s effectiveness in light of your leadership, and what new level of performance can be achieved if you focused on it for just a moment. I hope you will find those questions provocative and insightful.

Use those moments to help develop a plan of action to succeed as a leader.

Douglas R. Bender, Sr. is Managing Partner of Onyx Global HR. He has worked for some of Americas most trusted brands in the public and private sectors as an international HR executive, is a Master Trainer and facilitator, author, and thought leader on human resources effectiveness and leadership development. He has written several articles for national publications, has authored the Axiom Award winning book The ABCs of Leadership (2008), and is a Contributing Author to the recently released The Leadership Challenge Activities Book (Pfeiffer, 2010).

He is also listed in many Who’s Who periodicals and journals domestically and internationally.

Leadership

september/october issue

Leadership is designed to be simple and therefore easy to learn and apply.

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www.thepowerisnow.com

PERSONAL DEVELOPMENT

BY P.S. PERKINS

Communicating Your Way to SUCCESS! (Fourth of a seven part series on Communication Power!)

Would You Prefer to Work ALONE? Communicating within the Group Dynamic

R

eading the title, you may experience an automatic emotional response that goes something like, “Heck, Yeah!” Something like that. Let’s face it, many I-ND-I-V-I-D-U-A-L-S feel that they would be more productive and peaceful if they worked without the challenges of other personalities. TEAM Communication can be one of the toughest forms of Human Communication engaged

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in professionally. I know few individuals that have shared that they really enjoy working in teams, but it is something we all probably engage in during our daily professional interactions.

Take the time to focus on a point raised in my last column, Interpersonal Communication: War of Perception: PERCEPTION IS PERSONAL! This is what makes up every single conversation between people

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– differing mental processes.

The more personalities added to the mix, voila, every participant is coming from a different perspective no matter the ideological similarities that may exist. An EFFECTIVE Group Communication experience is a skilled endeavor. The first vital understanding is the possible interruption of personal noise and the complexity each participant’s internal noise!

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PERSONAL DEVELOPMENT

So, here we have the Intrapersonal, Nonverbal (yes, because we express with our bodies, space, etc.), and Interpersonal communication habits interconnecting INTO our group communication processes.

You take You wherever You Go!

P.S.

There is still another critical component of the group dynamic that often disparages communication - the values, beliefs, and actions of Individualism. Hyper-Individualism is a characteristic of many in the workforce today.

These individuals thrive in work environments that allow them to remain as autonomous as possible often-making group communication efforts uncomfortable at best. These wonderful United States enjoys the distinction of being the #1 country living and incorporating the values of Individualism. As such, we see and celebrate the individual as the most important unit of society. This value is valued above most others in our culture. It is one of the reasons we are one of the most envied and vilified countries in the world!

How does this play in the Team Communication dynamic, or another group dynamic like family? Enculturated on a steady diet of “me, mine, and I” and the important value of equality can make an individual very resistant to making room for other people’s reality. How much noise do you tend to experience when trying to listen to the input/ perception of three (3) or more people?

Small Group Communication as a strategy can greatly enhance your ability to LEAD and SUPPORT your group efforts. Your family, your division, your community, our world depends on it!

Let me leave you with a “strategic thought” you want to keep with you and WORK WITH!

CO-OPETITION!

def. Contributing your individual best for the collective good. HCI, LLC

september/october issue

Co-opetition is a term coined to interlock the best of competition and collaboration.

We do not wish to rid our institutions from the competitive spirit that inspires individuals to strive for their best, but we also need not discourage the dynamic energy and genius of divergent thinking. Collaboration is the essence of team problem solving no matter what type of team. If you are not brining your individual best for the collective good, what is your genius really about? Creativity, best solutions, global viewpoint, viability to the organization, and high morale are the byproducts of Co-opetition!

The Art and Science of Communication: Tools for Effective Communication in the Workplace, Wiley, elaborates on this vital group communication tool.

Hence, when we examine the communication issues of perception, noise, and individualism, it is essential that we learn to consistently selfmonitor our contributions to these factors and constantly reinforce the need to engage in behaviors that embody co-opetition.

Our professional, social, and personal relationships will vastly improve and positively produce when we learn and incorporate Group Communication tools. No successful person is an island! Where is the fun, sharing, and real success in that? Let us bring the spirit of co-opetition to our communication environments and become a part of the solutions we all desire!

P.S. Now that we are starting to see clearly the thread of perception throughout all communication experiences, how does Small Group Communication play a role in our engagement with Mass/Persuasive Communication! All MASS COOMUICATION IS PERSUASIVE PROPOGANDA! Next Installment!

P.S. Perkins, Founder and CCO Human Communication Institute, LLC , www.hci-global.com

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PERSONAL DEVELOPMENT

BY LILYVETTE RODRIGUEZ

Fail to Plan…Plan to Fail The fourth quarter of 2014, the home stretch. Where did the year go? If you’re like me, I don’t get new year jitters in January of the new year, but right about now.

Why? Because I want to end the year strong which catapults me into a strong new year. Quarterly review of the business plan, year end projections and strategic planning is in high gear. You may even start to look like this… but better to look this way during planning and not because of lack of planning.

To ensure a high success rate, • Keep it simple and uncomplicated. This will increase your odds of staying on task.

• Start off with a one page business plan.

• Your strategic plan can be as simple as jotting down, in bullet point format, five things you want to get accomplished during the coming year.

Remember to include start and end dates for each task on your plan.

september/october issue

• Create a master calendar.

• Work on your contact list of past and present clients.

Place them into a customer relationship management (CRM) system.

There is a direct correlation between the number of client contact and sales results.

48% of sales people never follow up with a prospect 25% of sales people make a second contact and stop 12% of sales people only make three contacts and stop Only 10% of sales people make more than three contacts 2% of sales are made on the first contact 3% of sales are made on the second contact 5% of sales are made on the third contact 10% of sales are made on the fourth contact 80% of sales are made on the fifth to twelfth contact Source: National Sales Executive Association

• If you tend to be a procrastinator, pick two to three associates, work on your respective plans as a team. This is a great way to hold each other accountable.

Start today. Add one new item to your to do list which will help you reach your goals. This time

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next year the planning won’t seem so monumental and you can look like this.

Lilyvette Rodriguez is a real estate broker servicing the Inland Empire of Southern California for over 24 years. She specializes in equity sale, short sale, foreclosure, probate and corporate relocation. She is an NAR instructor of the Employee Assisted Housing Program.

Lilyvette serves on a number of boards, holds multiple certifications/designations and is a consumer advocate.

She believes that an informed community is an enlightened community.

Lilyvette Rodriguez CEO/Broker BRE License #01061272 Excel Realty (909) 333-6008 www.ExcelRealty-IE.com www.Facebook.com/ ExcelRealtyIE

TECHNOLOGY

BY WENDY FORSYTHE

Selling Homes in the Digital Age: Make Technology Work for You Today’s homebuyers are hungry for information — and they expect to get that information with a few quick taps on their smartphones, tablets or laptops. In fact, according to a recent study by the National Association of REALTORS® and Google, the Internet is one of the primary sources for real estate information for 90 percent of homebuyers. In addition, the study found that nearly one-fifth of real estate related searches were conducted on a mobile device (smartphone or tablet).

Reaching potential buyers where they are is critical

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— and buyers are online.

Although the majority of homebuyers still find their homes with the help of an agent, the number that discover their homes online is increasing. In fact, in one recent survey by the California Association of REALTORS®, the number of homebuyers that found their home online jumped from 16 percent in 2012 to 37 percent in 2013, and remains on the rise.

Researching listings is just the beginning of online research as today’s homebuyers are using online resources for every aspect of their home purchase. So how can real

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estate agents compete in an increasingly competitive online marketplace?

First you have to be online in a real and transparent way.

Consumers are not only looking for the details of the home they want to buy, but also the kind of agent and company with whom they want to work.

If you are not online consumers are not going to find you or be able to validate your skills and expertise.

The second key to competing online is to create trust with the consumer. Creating trust in a digital environment can be tricky, but it starts with providing information in a

timely and reliable way. When potential homebuyers like what they see on your website, they request more information and become leads. And it’s what you do with these leads that will differentiate you from the rest of the pack — and turn that potential homebuyer into a homeowner.

Although millions of online leads are generated every month, the vast majority of those leads never turn into sales. How can you avoid wasting these opportunities?

Follow these three simple strategies: 1. Respond quickly.

2. Follow up consistently.

3. Set up contacts with e-alerts.

One of the most critical elements of a successful online lead strategy is the response time. According to InsideSales.com, the success rate of making contact with a lead shoots up to 90 percent or more if the initial response is sent within five minutes of receiving the inquiry. Obviously, real estate agents cannot sit in front of their computers waiting for a lead to come in, but a quality customer relationship management system (CRM) will send e-mail or text alerts

so you can respond in a timely fashion.

Once you’ve made that initial contact, following up becomes key. Often, online leads are contacted only once and then forgotten. Successful agents know that persistence is critical. Do you reach out twice and then give up? Three times? Four? You might be surprised to discover that six is actually the magic number.

According to Leads360.com, if you attempt to reach a lead at least six times, you will make contact 93 percent of the time. Six attempts may seem like a lot of follow-up phone calls and e-mails, but it can also mean a lot of business.

Finally, set up your online leads with a system of e-alerts.

Let them know when a new house in their area or price range becomes available, or when interest rates hit a particular point. According to research, leads are two and a half times more likely to contact you directly when they are on an e-alert system, and they are 15 times more likely to return to your website than those without e-alerts.

Make potential buyers aware of the value you are offering, and they will turn to you when they are ready to purchase a home.

Although the digital age

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is changing the way that consumers buy homes, real estate agents must learn to harness all the potential that technology offers. With the right online strategy, CRM and consistent followthrough, agents can turn the river of online leads into a steady stream of business while meeting consumers’ expectations.

Wendy Forsythe is executive vice president/head of global operations at Carrington Real Estate Services, where she is responsible for the operations and growth of the national brokerage with offices in 22 states and 1,400 agents. You can email her at wendy. forsythe@carringtonres.com. To learn more about Carrington Real Estate Services visit www. carringtonrealrestate.com/join.

www.thepowerisnow.com

TECHNOLOGY

BY CELESTE DAVIE

SMART Family Apps Today, just about every Family is tech savvy—in fact, more than half of Americans have a smartphone. Using technology to connect with people, though, can be a challenge. Here are a few friendly apps that will keep you connected.

ts, teachers and students to Remind101 (www.remind101.com) offers a new way for paren users in the U.S., the service is taking communicate safely and quickly. With more than 10 million and stay in touch with parents. off! It’s a safe, free way for teachers to text message students be disconnected from the It gives teachers direct contact to families that may otherwise in school. classroom and improves each student’s sense of self-efficacy Tutor.com is a new trend in online, on-demand tutoring that allows families to get the school help they need on their schedule with 24/7 access via mobil e app. And it works: 90 percent of students that have used Tutor.com report better grades, higher confidence and increased homework completion. Expert Mandy Ginsberg, CEO of Tutor. com, can provide insight on this booming family trend.

Impressed App (www.impressedapp.com) is an innovative program that allows users to create gorgeous photo books right from their iPad. Unlike other photo books that simply print images, Impressed App also creates a digital version that allows the creator to add voice recordings and viewers to leave comments, accessible through a QR code printed in the book. email, mobile and social Yiftee.com lets consumers send real gifts quickly and easily via recipient’s local area, driving networks. Send a quick hello, congrats or thank you gift in the profitable business to local merchants.

The Piano Mania V2 and Piano Dust Buster 2.0 apps from JoyTu nes (www.joytunes.com) teach users to play the piano through exciting game-like lessons. These apps are so effective that kids can transition their skills from their mobile devices to a real piano . They can even play along with their tablet on their real piano—no wires required!

september/october issue

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TRAVEL

BY CELESTE DAVIE

What to Do if You are Injured While Traveling Personal Injury Attorney Explains How to Protect Yourself Vacation is a time to kick up one’s feet and relax- but if an unforeseen event dampers your getaway, it is important to be prepared. Should an injury occur in the midst of travel, Attorney Richard Levin of Levin, Riback Law Group notes you should take action with a few simple steps to protect yourself.

“All too often people don’t want to deal with the headache of documentation or treatment during their vacation and wait until they are home to report an incident,” says Levin.

“However waiting too long to file a report can have detrimental consequences; it is imperative to move quickly because vacation vessels such as cruise ships operate on a different statue of limitations.”

If you become injured during a vacation, Attorney Richard Levin suggests the following: Document the Incident: Immediately document what happened. For example, if you slipped on the deck of your cruise ship, take photos of the floor and surrounding area immediately, as well as pictures of your injury. “Take note of your surroundings,” adds Levin.

“Was the floor wet? Were there any signs alerting passengers to be careful? It may seem silly, but these photos can serve as

evidence if crew negligence is to blame.”

Get Proper Medical Treatment: Many people skip this step because they are on vacation and they would rather be sight-seeing or enjoying drinks by the pool. However, it is absolutely crucial that you see a doctor right away. “Your health should be your number one priority,” says Levin. “If a more serious injury is at hand, initial documentation is needed for any legal case you might consider in the future.”

See Your Doctor: Once you have returned home from vacation, see your doctor at home right away. Keep documentation and monitor any issues that continue to arise (e.g. maybe your ankle is no longer swollen but it is still tender to the touch, or it starts aching when you return to your usual exercise program) as well as any issue that interferes with your normal daily activities.

Speak To An Attorney As Soon As Possible: If you were injured in a foreign country or even on a cruise ship, it is important to remember you may have a shorter statute of limitations. “In many states, like Illinois , you may have up to two years to file,” says Levin.

“Cruise ship companies bury lawsuit conditions on your ticket and those are generally followed The PIN MAGAZINE | 49

by the courts. There may be a mandatory 180 day notice requirement, and only one year to file your case in court. If these conditions are not followed, cases can be dismissed no matter how badly you’re hurt.”

Attorney Richard Levin is available to discuss this topic more in depth. Please contact me directly for more information or to schedule an interview.

Levin, Riback Law Group has a family history in Chicago dating back to 1956. Since its founding, Levin, Riback Law Group has always been committed to providing honest, diligent and compassionate legal counsel to individuals who have suffered catastrophic injuries or lost a loved one. The attorneys have decades of experience and have devoted their entire legal careers to representing those who have suffered losses as a result of medical malpractice, construction negligence, automobile and trucking negligence and premises liability.

Levin, Riback Law Group is located at 60 West Randolph St., Suite 333 , Chicago , IL 60601.

Visit them online at www.levinriback.com or call (312) 782-6717 for more information. www.thepowerisnow.com

NAREB SEEKS 50,000 SIGNATURES FOR HOMEOWNERSHIP PETITION CAMPAIGN The National Association of Real Estate Brokers has launched a campaign to bring higher visibility to, and shine attention on, affordable homeownership for all Americans. During NAREB’s 2014 Convention in Baltimore in July, the attached petition was distributed and signed by many NAREB members in attendance.

Now, NAREB leadership urges every chapter and every Realtist member to share the Petition with their church members, neighbors, business associates, family and friends – everyone concerned that “homeownership opportunity remains within the reach of low and moderate income

Americans.”

Once NAREB’s goal of 50,000 signatures has been reached by our deadline of Friday, September 19, 2014, the “Broader Access to Homeownership for All Americans Petition” will be delivered to Mel Watt, Director, Federal Housing Finance Agency (FIFA).

A copy of the Petition is attached. Please download and make as many copies of the Petition that you need. When your Petitions are completed, you can: • Mail to JoAnne Wooten, Executive Director, NAREB - 9831 Greenbelt Road Lanham, MD. 20706 OR • Email scanned copies of the signed Petition to: joanne.wooten@nareb.com If you prefer to sign the Petition electronically, • Visit the Petition online site on the web and sign. You can also leave a comment.

www.change.org/petitions/home-ownership-for-all-americans

Again, the submission deadline is: Friday, September 19, 2014

NAREB is committed to affordable homeownership. It’s our #1 priority. We understand that housing finance reform is necessary and change is inevitable. As the Petition states and as NAREB is urging, “Changes to methods of accessing mortgage capital should be accomplished

in a way that keeps open the door to opportunity and provides hope and help to those low and moderate income Americans who are looking forward to owning a home of their own.”

Don’t wait. Democracy in Housing can’t wait. Homeowners and future homeowners can’t wait.

NAREB’s committed voice to affordable homeownership and access to mortgage capital must be heard. Join the campaign now!! Let your voice be heard!!!

september/october issue

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NAWRB’s Inaugural Conference

Women In Housing Awareness. Opportunities. Access.

October 27-29th, 2014 | Southern California NAWRB’s collaborative effort with multiple women’s organizations and federal agencies brings awareness, opportunities, and access to women in the Housing Economy. Utilizing a specialized hybrid of women in housing and women in government outreach, women can take advantage of our Fast Track niche. With several industries being represented, this conference grants women to have the direct dialogue across the continuum between women and women business owners, private and non-profit businesses, women’s organizations and federal agencies.

Unity within a foundation brings exponential growth and power.”

Awareness, Opportunities, Access!

The event opens on Monday evening, October 27, 2014 with a reception showcasing the theme “AWARENESS, OPPORTUNITIES, ACCESS!” The reception creates the initial “Awareness” setting for the conference delegates as they engage with each other and the panelists to become intricately aware of the practical and portable information sessions forthcoming on Tuesday and Wednesday, and obtain their needs-based NAWRB/SBA Mentor-Mentee “Speed Dating” one-on-one break-out appointments throughout the conference.

A stimulating keynote address launches the formal and interactive general sessions on Tuesday, October 28, 2014, and lays the foundation for “Awareness” absorption by providing the in-depth legislative landscape - the catalyst for the public’s heightened awareness encompassing women-owned/women-led businesses, and women’s representation in employment and board composition. The first morning panel, comprised of decision makers from the regulated entities, federal agencies and private sector, continues to guide the conference delegates through the “Awareness” understanding process. The second morning session transitions the delegates’ focus to recognizing, understanding and leveraging the “Opportunities” for women brought forth from the heightened awareness and focus on the inclusion of women in the fundamental hiring, appointing, contracting, business practices of both the public and private sectors.

A stimulating and motivating luncheon keynote address continues the “Opportunities” dialogue presenting a tangible translation on the empirically quantitative value realized by organizations who’ve robustly embraced the inclusion of women across the continuum of their business practices.

The two post-luncheon panels shift the delegates into high-gear sharing Best Practices on gaining “Access” to the opportunities, with the regulated entities, federal agencies and private sector sharing the steps they’ve taken, processes they implemented, the value of certification to their organizations and supplier processes and more.

“Access” becomes a reality when the delegates break-out to their business-specific Mentor-Mentee appointments facilitated by NAWRB and the SBA. These action oriented one-on-one working sessions require the Mentee to be prepared to work through the data and goals on the business area(s) they pre-selected. For the women-owned/ women-led delegates, these “first dates” not only acclimate the Mentees to the valuable services provided by the SBA and associated partners nationwide, but also create a warm handoff or “2nd date” between the Mentee and their local SBA Mentor, providing accountability for the financial fitness of the conference delegate.

Following an action-packed day, slip on your dancing shoes and prepare for a dazzling night at NAWRB’s Roaring Twenties Awards Gala. The gala embodies the lively spirit and dynamic atmosphere of the 1920s which is a distinct representation of the women in our industry. A live band will keep the music flowing as panelists and conference delegates celebrate the inspiring women who have made overwhelming contributions to the housing industry.

The conference continues on Wednesday October 29th, 2014 with another motivating keynote address continuing the previous day’s themes and culminates with the final round of Mentee-specific Speed-Dating workshops.

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(SBA), SCORE, Small Business Development Centers (SBDC), & Women’s Business Center (WBC)

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Name: Lynetta Cornelius Email: lynettacornelius@earthlink.net Phone number: 925-759-8606 Address: 111 Deerwood Road, Suite #200, San Ramon, CA 94583

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Name: Donell Spivey, President NAREB email: donnell.spivey@nareb.com donnell@exitspiveypros.com

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Name: Serina Lowden Realtor, Serina Lowden Real Estate email: serina@serinalowden.com Office: 916-405-5739 Address: 9250 Laguna springs dr #100. Elk Grove.

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september/october issue

Name: Reggie Woodgett Email: RWOODGETT@realtracs.com Phone number: (614) 400-4173 Cellphone: (615) 562-1766

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