city surf & sand team
FAMILY NEWS Volume 3, Issue 1 | October 2016
STOP IGNORING THE MOST IMPORTANT CONTRIBUTOR TO YOUR SUCCESS Dan Levin, COO at the Box, The Modern Content Platform www.linkedin.com/in/levin, @levin We all want to be the best that we can be. We want to succeed in our current role and get promoted into the next one. We want money, and glory, and fame; we want the highest performance rating, the bigger title, the better parking spot, the largest option grant. And yet, in our pursuit of all this and more, we frequently ignore the one lever that can massively impact our performance in the near term: how we choose to invest our time. Malcolm Gladwell made many great points in Outliers (you have read Outliers, right?), but maybe the most important for those of us who think that we are bright is that intelligence is very poorly correlated with success. As long as your IQ is over something like 120, you are just as likely to be CEO (or a Nobel prize winner) as the genius next door. Michigan, UVA and Indiana are all among the top ten colleges attended by Fortune 500 CEOs according to CEO.com. The fact is that great leaders have excellent people skills, great EQ, and know how to use their time to the best effect; they are frequently not the “smartest” one in the room. So if intelligence isn’t the key to success, what is? Well, there are only three real contributors to your impact at work: your innate abilities (of which intelligence is only one), the skills that you have learned, and the way that you choose to invest your time. You can’t change your abilities. You are who you are. You may be very well organized, or a big-picture thinker. You may be analytical, or creative. You can choose to try to reinforce or build on some abilities and you may even succeed to some extent, but only over long periods of time. According the Meyers-Briggs folks, by the time you are in your mid-30s, your personality is pretty well set. The best thing that you can do on this dimension is to put yourself into roles where your innate strengths are prized above all else. You can (and should) learn new skills. Perhaps you are reading this article with exactly that goal in mind. But again, learning takes time. The change tends to be slow. Months (or even years) may pass while you try to improve your business acumen, or learn how to structure complex licensing agreements or become a great secondlevel manager. But tomorrow morning, you could choose to spend your day working on different things than you did today. And immediately, that could have a huge positive impact on your performance, >>
In this Issue
> Dan Levin | Stop Ignoring the Most Important Contributor to Your Success > Summer’s Top Producers > Dr. Travis Bradberry | Bad Habits You Must Break to Be More Productive > Dr. Mark Hyman | The Truth About Low-Carb Diets > President’s Club and Sales Rally Highlights > Caravan Schedule > Society Page > Spotlight on Franc Marquez > Event Calendar
CONGRATULATIONS TO OUR TOP PRODUCERS! JUNE
MAY
TOP 3 - VOLUME
TOP 3 - VOLUME
Phana Par
Cameron Ownes Lisa Coleman
NMLS ID 568769
NMLS ID 392070
UTC $5,214,336
NMLS ID 347566
UTC $2,913,545
UTC $2,552,200
Phana Par Cameron Ownes
NMLS ID 568769
UTC $7,110,153
Phana Par
Cameron Ownes Jon-Eric Lehman NMLS ID 392070
UTC 11 units
NMLS ID 255616
UTC 7 units
Palm Desert 7 units
Phana Par
NMLS ID 568769
UTC 22 units
UTC $3,576,650
Phana Par
Terri Valdez
UTC $3,576,650
Eastlake $2,577,000
NMLS ID 568769
Jon-Eric Lehman Cameron Ownes NMLS ID 255616
NMLS ID 392070
Palm Desert 10 units
UTC 9 units
TOP 3 - VOLUME
TOP 3 - VOLUME
NMLS ID 347566
Eastlake $2,277,473
AUGUST
JULY
Lisa Coleman
NMLS ID 352862
UTC $4,311,289
TOP 3 - UNITS
TOP 3 - UNITS
NMLS ID 568769
Terri Valdez
NMLS ID 392070
NMLS ID 352862
Phana Par
NMLS ID 568769
UTC $5,469,172
Terri Valdez Cameron Ownes NMLS ID 352862
Eastlake $5,154,578
NMLS ID 392070
UTC $2,231,460
TOP 3 - UNITS
TOP 3 - UNITS Cameron Owens NMLS ID 392070
Cheryl Kuck NMLS ID 247809
Jon- Eric Lehman
Phana Par
Lisa Coleman
UTC 13 units
UTC 10 units
NMLS ID 568769
NMLS ID 347566
NMLS ID 255616
UTC/Palm Desert 6 units
Phana Par
Terri Valdez
Cameron Ownes
UTC 14 units
Eastlake 12 units
UTC 7 units
NMLS ID 568769
NMLS ID 352862
NMLS ID 392070
AT WORK ... HONORABLE MENTIONS PERSONAL BESTS FOR JUNE* Phana Par 22 units and $7,110,153 Jon-Eric Lehman 10 units The City, Surf & Sand Team averaged 5.5 loans and $2,072,331 for August!
PERSONAL BESTS FOR AUGUST* Jon-Eric Lehman 10 units Cameron Owens was the #1 builder loan consultant for applications in our region for August, and #2 for July. Congrats! * since joining the imortgage team
>> as measured by the outputs that you create for your customers, shareholders and colleagues. If you spent three hours today working on something that was trivial and unimportant, and tomorrow you spend those same three hours on one of the critical few priorities that massively and disproportionately change the future of your company, you could go from being an average performer to being a star literally overnight. How you choose to spend your time is by far the biggest contributor to success that is both under your control and immediately impactful. So why doesn’t everyone just work on the important stuff all the time? Well, for one thing, it takes a great deal of discipline. We are all creatures of habit. We tend to do things today the same way that we did them yesterday. We are also constantly bombarded by day-to-day distractions: checking our email, or asking about the status of a project that turns out to be going well, or having lunch with our buds. But for the most part, that isn’t time invested in driving our critical business priorities forward. And it is so easy to spend hours every day doing these little, unimportant, ‘trivial many’ things. There are many tools that you can use to help with this process. Our own CFO, Dylan Smith, carries a small notebook with him wherever he goes. In it, he notes important action items that crop up as he goes through his day – and he ends every day by transcribing those notes onto a task list on his laptop. Then he begins every day by reviewing his task list, selecting the most important items, and focusing his time on those. There are, obviously, two parts of the problem. One is figuring out what the most important stuff is that
you should be working on. I suggest that you do that in conjunction with both your boss and your team. Come up with a proposed list yourself, then run it past each of them. Gather their input, and merge that with your own thoughts. Which marketing program to run next, or how to structure the product roadmap may be an obvious priority, but don’t forget the infrastructure items: hiring a new leader for your team, or automating some process. Pressure test your thinking by asking: what would happen if this didn’t get done? Or what would success look like if it does? If the pain wouldn’t be great, nor the rewards massive, it probably isn’t a critical priority. Once you have the list, you have to change the way that you work, to focus your time on those critical few priorities. Try to push yourself out of your routine day-to-day. Experiment with some new technique for time management. Maybe set an alarm every 30 minutes, and force yourself to check and see if you are working on the most important stuff. Maybe end each day with a review of how you spent your time; or end each week with a written discussion of your progress on the critical items. For most of us, the day to day stuff (email, staff meetings, etc.) takes up at least half of our time. That means that a swing of just five hours each week (from something unimportant to something critical) can increase your output by 20% (assuming a 50-hour work week). Nothing else that you can do quickly can improve your performance by that much – not even close – so do everything that you can to focus your time on those critical few things that really matter, and watch your impact grow, and your career flourish.
BAD HABITS YOU MUST BREAK TO BE M Dr. Travis Bradberry, Coauthor Emotional Intelligence 2.0 and President at Talent Smart www.linkedin/in/travisbradberry, @travisbradberry Nothing sabotages your productivity quite like bad habits. They are insidious, creeping up on you slowly until you don’t even notice the damage they’re causing. Bad habits slow you down, decrease your accuracy, make you less creative, and stifle your performance. Getting control of your bad habits is critical, and not just for productivity’s sake. A University of Minnesota study found that people who exercise a high degree of self-control tend to be much happier than those who don’t, both in the moment and in the long run. “By constant self-discipline and self-control you can develop greatness of character.” –Grenville Kleiser Some bad habits cause more trouble than others, and the nine that follow are the worst offenders. Shedding these habits will increase your productivity and allow you to enjoy the positive mood that comes with increased self-control. Impulsively surfing the Internet. It takes you 15 consecutive minutes of focus before you can fully engage in a task. Once you do, you fall into a euphoric state of increased productivity called flow. Research shows that people in a flow state are five times more productive than they otherwise would be. When you click out of your work because you get an itch to check the news, Facebook, or a sport’s score, this pulls you out of flow. This means you have to go through another 15 minutes of continuous focus to reenter the flow state. Perfectionism. Most writers spend countless hours brainstorming characters and plot, and they even write page after page that they know they’ll never include in the book. They do this because they know that ideas need time to develop. We tend to freeze up when it’s time to get started because we know that our ideas aren’t perfect and what we produce might not be any good. But how can you ever produce something great if you don’t get started and give your ideas time to evolve? Author Jodi Picoult summarized the importance of avoiding perfectionism perfectly: “You can edit a bad page, but you can’t edit a blank page.”
Meetings. Meetings gobble up your precious time like no other. Ultra-productive people avoid meetings as much as humanly possible. They know that a meeting will drag on forever if they let it, so when they must have a meeting they inform everyone at the onset that they’ll stick to the intended schedule. This sets a clear limit that motivates everyone to be more focused and efficient. Responding to emails as they arrive. Productive people don’t allow their email to be a constant interruption. In addition to checking their email on a schedule, they take advantage of features that prioritize messages by sender. They set alerts for their most important vendors and their best customers, and they save the rest until they reach a stopping point in their work. Hitting the snooze button. When you sleep, your brain moves through an elaborate series of cycles, the last of which prepares you to be alert at your wake up time. This is why you’ll sometimes wake up right before your alarm clock goes off — your brain knows it’s time to wake up and it’s ready to do so. When you hit the snooze button and fall back asleep, you lose this alertness and wake up later, tired and groggy. Worst of all, this grogginess can take hours to wear off. Multitasking. Multitasking is a real productivity killer. Research conducted at Stanford University confirms that multitasking is less productive than doing a single thing at a time. The researchers found that people who are regularly bombarded with several streams of electronic information cannot pay attention, recall information, or switch from one job to another as well as those who complete one task at a time. They found that heavy multitaskers — those who multitasked a lot and felt that it boosted their performance — were actually worse at multitasking than those who liked to do a single thing at a time. Putting off tough tasks. We have a limited amount of mental energy, and as we exhaust this energy, our decision-making and productivity decline rapidly. This is called decision fatigue. When you put off tough tasks till late in the day because they’re intimidating,
... AND AT PLAY
MORE PRODUCTIVE you save them for when you’re at your worst. To beat decision fatigue, you must tackle complex tasks in the morning when your mind is fresh. Using your phone, tablet, or computer in bed. Short-wavelength blue light plays an important role in your mood, energy level, and sleep quality. In the morning, sunlight contains high concentrations of this blue light. When your eyes are exposed to it directly, the blue light halts production of the sleep-inducing hormone melatonin and makes you feel more alert. In the afternoon, the sun’s rays lose their blue light, which allows your body to produce melatonin and start making you sleepy. By the evening, your brain doesn’t expect any blue light exposure and is very sensitive to it. Most of our favorite evening devices — laptops, tablets, televisions, and mobile phones — emit shortwavelength blue light, and in the case of your laptop, tablet, and phone, they do so brightly and right in your face. This exposure impairs melatonin production and interferes with your ability to fall asleep as well as with the quality of your sleep once you do nod off. Eating too much sugar. Glucose functions as the “gas pedal” for energy in the brain. You need glucose to concentrate on challenging tasks. With too little glucose, you feel tired, unfocused, and slow; too much glucose leaves you jittery and unable to concentrate. Research has shown that the sweet spot is about 25 grams of glucose. The tricky thing is that you can get these 25 grams of glucose any way you want, and you’ll feel the same — at least initially. The difference lies in how long the productivity lasts. Donuts, soda, and other forms of refined sugar lead to an energy boost that lasts a mere 20 minutes, while oatmeal, brown rice, and other foods containing complex carbohydrates release their energy slowly, which enables you to sustain your focus.
Moving into the New UTC Office
Q&A with Anthony | Red Shirt Day
Bringing It All Together Some of these habits may seem minor, but they add up. Most amount to a personal choice between immediate pleasures and lasting ones. After all, the worst habit is losing track of what really matters to you.
Lori with AREAA at Del Mar & Jon-Eric at 6 Degrees
COM THE TRUTH ABOUT LOW-CARB DIETS By Dr. Mark Hyman, Family Physician and Bestselling Author Traditional thinking suggests carbohydrates are bad for you. I have something surprising to say that might go against everything you’ve heard: Carbs are the single most important thing you can eat for health and weight loss. In fact, I often say my plan is a high-carb diet.
in blueberries help buffer out that load, whereas the sugar-filled coffee simply raises your insulin levels and plummets your blood sugar, leaving you running for a muffin or other quick sugar fixes.
But wait, you say, don’t carbs contribute to insulin resistance, heart disease, and other health concerns?
Besides stabilizing blood sugar by slowing the absorption of carbs, fiber feeds the friendly flora in your gut and scrubs your intestines, thus supporting a healthy digestive tract.
Some do, but the truth is more complicated. You see, “carbohydrates” encompasses a huge category. A hot fudge sundae and cauliflower both fall into the “carbs” category, yet they are entirely different foods.
When you focus on low-glycemic-load plant foods, your weight normalizes. You feel better without the sugar crashes. You reduce your risk for numerous diseases.
In fact, almost all plant foods fall into the carbs category. These are what I refer to as slow carbs, which are low-glycemic and don’t spike your blood sugar or insulin. These slow carbs come loaded with nutrients, fiber, and amazing phytochemicals.
To simplify and help you make optimal choices when it comes to carbs, I have divided them into four categories – green, yellow, red, and forbidden.
Choosing the Right Carbs You may not realize this, but there are no essential carbs. There are essential fats (omega-3s) and essential proteins (amino acids), but if you never had any carbs again, you would survive.
Dark berries. Blu raspberries are fi the color, the mo as one-half cup a used in your pro
Enjoy up to two day: Plums, peac are known as “st of fiber and heal
Red Carbs: Eat L
When you eat a cornucopia of fresh fruits and vegetables teeming with phytonutrients — carotenoids, flavonoids, and polyphenols — they help improve nearly all health problems, including dementia, diabesity, and aging. Ideally, about 75% of your carb intake should come from non-starchy veggies plus low-glycemic fruits. By volume, most of your plate should be carbs. Note I said volume, not calories. Many plant-based carbs actually have very few calories.
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Starchy, high-gl include winter s root vegetables raise blood suga consumed in sm a day) and ideall reduce the overa Green Carbs: Eat Freely Slow-burning, low-glycemic vegetables should be the basis of your diet. Fill your plate with broccoli, asparagus, spinach, chard, kale, cabbage, bok choy, and more. These are truly an unlimited food!
That being said, good-quality carbs that come from plant foods provide unique benefits, including high levels of vitamins and minerals, fiber, and special plant compounds with healing properties called phytonutrients or phytochemicals.
Seaweed is another smart choice. Some weeds are good for you, and the weeds of the sea are among my favorite. Be adventurous. Kombu, nori, hijiki, and wakame are all extraordinarily high in minerals, protein, and healing compounds.
Many of these foods are high in fiber, which helps buffer out their sugar content. That is one reason why eating a cup of blueberries has a dramatically different impact than putting four teaspoons of sugar in your coffee. Both have about 16 grams of sugar, but the nutrients, phytonutrients, and fiber
Whole grains. Brown, black, and red rice; quinoa; amaranth; buckwheat; and teff are delicious glutenfree grains. Black rice has as many anthocyanidins as blueberries and a low-glycemic load. “Forbidden rice,” it was once eaten only by Chinese emperors.
Yellow Carbs: Eat in Moderation
High-sugar fruit contain more su they should be week, and avoide sugar protocol.
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Gluten-containin wheat, barley, ry
Processed food Avoid highly Frankenfoods. M have health cla added,” or “high unprocessed foo claim on the labe Dried fruit. They
MMUNITY & CULTURE CORNER
hytonutrient-rich legumes are our culture. They slow the release e bloodstream and help prevent the lease that leads to insulin resistance. or regular lentils; chickpeas; green peas; soybeans (edamame is a great zuki, black, navy, and other beans.
ueberries, cherries, blackberries, and filled with phytonutrients. The richer ore “medicine” you get. Eat as much a day. Organic frozen berries can be otein shakes.
Unisource Solutions Summer Party and Festivities in the Office
o pieces of the following fruits each ches, nectarines, and their variants tone fruit.” They are healthy and full ling chemicals.
Limited Amounts your intake of the following:
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arbs:
Avoid
Processed
Lori with 6 Degrees at Balboa Park & Estancia La Jolla | With Meredith at SDAR Expo & Phana at AREAA Charity Golf Tournament
Carbs
ng whole grains. Stay away from ye, oats, spelt, kamut, and triticale.
ds (including “low carb” foods). processed, factory-manufactured Many of these processed foods will aims such as “low carb,” “no sugar fiber.” Always stick with real, whole, ods. Remember, if it has a health el, it is probably bad for you. have a high-glycemic load.
Jenna and Kelsey in Cabo & San Juan Capistrano | Julie & David at the Game
COM
President’s Club 2015
Congratulations to Lisa, Cameron and Phana for making President’s Club in Cabo San Lucas, and to Ron for being honored as Branch Manager for the Branch of the Year!
SoCal 2016 Sales Rally
Anthony Shares His Vision | Jon-Eric, Ron & Kenny | Holly, Jenna, Blanca & Lori | Congratulations to Julie (2016 Diamond Award), Penny (Employee of the Year), Allysa (Operational Excellence) and Ron (2016 Diamond Award) for their achievements!
MMUNITY & CULTURE CORNER CARAVAN SCHEDULE Neighborhood / Zip Code
When
Cost
Meeting Location
TUESDAY #G10 – Scripps Ranch
Pitch: 9:00am – 9:45am Tour: 1:00pm – 4:00pm
La Bastide Bistro 10006 Scripps Ranch Blvd. #104, San Diego, CA
#G12 - Mission Bay, Pacific Beach, Mission Beach (92109)
Pitch: 8:30 am - 9:30 am Tour: 9:30 am - 12:00 pm
$5.00
Mission Bay Yacht Club 1215 El Carmel Place, San Diego, CA
#G27 – Rancho Bernardo, West of 1-15 (92127)
Pitch: 9:00am. – 10:00am Tour: 10:00 am – 12:00 pm
$1.00
4S Boys and Girls Club 16118 4 S Ranch Pkwy, San Diego, CA
#702 Del Mar, Carmel Valley, Solana Beach, Rancho Santa Fe (92014, 92067, 92075, 92091, 92127, 92130)
Pitch: 11:00am – 12:00pm Tour: 1:00pm – 4:00pm
Searsucker (Del Mar Highlands Plaza) 12995 El Camino Real, Del Mar, CA
#607 – Escondido (92025, 92026, 92027, 92029)
Pitch: 8:30am – 10:00pm Tour: 10:30pm – 1:30pm
The Masonic Center 1331 S. Escondido Blvd., Escondido, CA
#G18 – 92111, 92119, 92120, 91941, 91942 (1st & 3rdOf the Month)
Pitch: 9:00am – 10:00am Tour: 10:00am to 12:00pm
Marie Calender’s 6950 Alvarado Rd., San Diego, CA
#G118 – Coronado (92118)
Pitch: 9:30 am last Wed. of each month only Tour: Weekly at 11:00am – 1:00pm
#G129 - Rancho Penasquitos 92129
Pitch: 10:30am Tour: Immediately after Pitch
Cafe 56 - patio area 13211 Black Mountain Road, Von’s center in PQ
Rally & Ride
Pitch & Tour: 9:30 am
PSAR South County Service Center 880 Canarios Ct., Ste. 100, Chula Vista
#702 – Carlsbad, Encinitas, Cardiff (92007, 92009, 92011, 92024)
Pitch: 8:00am – 9:40am Tour: 10:30pm – 1:00pm
C3 Church 2716 Gateway Rd., Carlsbad, CA 92009
#801N & 802S – Fallbrook/Bonsall (92003, 92028,)
Pitch: 8:30am – 9:30am Tour: 9:30pm – 1:30pm
Fallbrook Country Escrow Office 1676 S. Mission Rd # E, Fallbrook, CA
WEDNESDAY
$3.00
Coronado Yacht Club 1631 Strand Way, Coronado, CA
THURSDAY #G8 - Downtown San Diego (92101, 92103) Parking: Metered street parking or nearby parking garages
Pitch: 8:30 a.m. - 9:30a.m. Tour: 10:00 a.m. – 12:30 p.m.
$3.00
Meze Greek Fusion 345 6th Street, San Diego, CA
#G16 - Point Loma & Ocean Beach
Pitch: 8:30 a.m. – 9:30 a.m. Tour : 10:00 a.m. to 1:00 p.m.
$5.00
Portuguese Hall 2818 Avenida De Portugal, San Diego, CA
#G6 – Clairemont, Linda Vista, Bay Park, Bay Ho, University City and Sera Mesa (92110, 92111, 92117, 92122, 92123)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$10.00
Hometown Buffet 3007 Clairemont Dr., San Diego, CA
#G26 - Rancho Bernardo and Carmel Mountain Ranch in zip 92128 and all of zip 92127
Pitch: 9:00am – 9:30am Tour: 9:45am – 12:00 pm
$1.00
St. Bartholomew’s Episcopal Church 16275 Pomerado Road, Poway, CA
#G111 - Golden Triangle (92122, 92037)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$17.00
Cozymel’s Coastal Mex 4303 La Jolla Villa Dr., San Diego, CA
#G126 - Mira Mesa, Sorrento Valley (92126, 92121)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$17.00
Cozymel’s Coastal Mex 4303 La Jolla Villa Dr., San Diego, CA 92122
#G704 – Oceanside 92054, 92056, 92057, 92058
Pitch: 8:00am - 9:30am Tour: 9:30am - 11:30am.
Woman’s Club 3220 Monroe St., Carlsbad, CA
#602 – San Marcos (92069,92078) #601 – Vista (92081, 92083, 92084)
Pitch: 8:30am – 9:00pm Tour: 10:000pm – 1:00pm
Nucci’s Italian Restaurant 1580 South Melrose Dr., Vista, CA
#G64 – Poway (92128) & Sabre Springs South of Ted Williams Pkwy
Pitch: 8:30 a.m. - 9:45a.m. Tour: 9:45 a.m. – 12:00 p.m.
$5.00
St. Bartholomew’s Episcopal Church 16275 Pomerado Road, Poway, CA
#G14 East & West - Metro Area West of Park Blvd (92101, 92103, 92108, 92110, 92116)
Pitch: 8:30am – 9:30am Tour: 10:00am – 1:00pm
$3.00
Kato Sushi 1045 University Avenue, San Diego, CA
SOCIETY PAGE
Anniversaries 5 yrs 3 yrs 3 yrs 3 yrs
Christine Terry 10.10 Jon-Eric Lehman 10.25 Kenny Jacques 10.25 Karri Onori 11.03
Birthdays Jinny Johnston 10.03 Mannie Keodara 10.03 Cat Aguinaldo 10.05 Holly Johnson 10.16 Jolene Jackson 10.18 Ron Stowers 10.21 Phillip Epps 10.31 Kat Thobois 10.31 Jesselle Barnes 11.15 Gia Walker 11.17 Casey Sawyer 11.25
BIRTHS
Morgan Josie Johnston | 06.15.16 | Jinny Johnston
BIRTHDAYS
Sailor Rêve Butler | 05.31.16 | Holly Johnson
Mary’s Great-Grandmother’s 92nd | Jacky’s Son Jordan’s 9th | Team Birthdays
WEDDINGS
Jenna & Kelsey with Sister Mallori on Her Day | Jacky in Italy for a Friend’s Wedding
HOMES Jenna & Jerry and Holly & Bill made their first home purchases! Congratulations to the couples in Santa Clarita and Yucaipa, respectively.
FAMILY FUN SPOTLIGHT
THE SEA IN HIS BONES AND CANINES IN HIS HEART Jasmine Young sat down with Franc Marquez to find out a little more about the man behind the ILC.
Jon-Eric Enjoying Two of His Favorite Pastimes
JY: I know you have two puppies that you adore. What are their names? FM: Vinnie is the dachsund and 8 months old and Mambo is a Chihuahua/min-pin mix. He’s 15 months. JY: You recently celebrated your birthday in La Paz. Where is your favorite spot to relax there? FM: Well, it was my first time there, so the beach was the best place to relax. Or out on the boat in the ocean. JY: Would you recommend it as a great vacation spot? FM: It’s a great place for a weekend getaway if you like the beach, fishing, snorkeling or scuba diving. I definitely recommend it, as it is very affordable.
Jenna and Jerry in Hawaii | Jacky in Rome
Casey Hunting with Brothers | Coach Casey
Christine T.’s Water Baby Mason | Krystal & Son Khalil’s Date Night | Krystal’s Daughter Katelynn in MCROTC
JY: If you could go anywhere in the world where would you go? FM: I would have to say Tahiti or Fiji since they are so exotic and I love the ocean. JY: You have been with imortgage for five years. What is your fondest memory thus far? FM: Most definitely the Christmas party every year. imortgage goes all out and shows their appreciation to employees and their families for all of the hard work and dedication. JY: What is your favorite downtime activity? FM: Cooking and playing with the dogs. Both help me relax.
EVENTS OCTOBER SUN 2
MON 3
TUE
WED
4 CRASD Networking Commercial Real Estate Alliance of San Diego Ballast Point
5
THU
AREAA Realtor Bootcamp Hilton San Diego
6
12pm - 5pm
YPN Thirsty Thursday Lafayette Hotel
4pm - 7pm
FRI 7 1st Friday Breakfast Carlsbad Chamber
9
10
COLUMBUS DAY NAHREP
7:30am - 8:45am 6 Degrees South County 3:30pm - 7pm
12 Joint Sales Meeting 10am - 12pm
Salt Creek Golf Course 10:30am - 5pm
17
23
14
15
Coffee Connection Carlsbad Chamber 8am - 9am
New Hire Orientation
18
24
Leads Lunch Palm Desert Chamber 12pm -1pm
12pm - 4pm
16
13Profit Connection
8
7am - 9am BIA Fall Golf Tournament
5pm - 7pm
11Business Breakfast
SAT
25
19 Business After Hours Westin Mission Hills 5pm - 7pm Carlsbad Sundowner 5pm - 7pm
26
Holly Nanula Harcourts
4pm - 7pm
First Round Connectors House of Blues
22
3:30pm - 7pm
Meet the Builder Hilton Mission Bay 5pm - 7pm
27
6 Degrees SD Mixer
4:30pm - 6:30pm
20 6 Degrees Com. Night 21
Profit Connection Leads Lunch Palm Desert Chamber
28
29
12pm -1pm
5:30pm - 7pm
30
31
NOVEMBER SUN
MON
TUE 1
WED 2
Joint Sales Meeting
THU 2
3 1st Friday Breakfast
6
7
8 Business Breakfast Desert Willow Golf 7:30am - 8:45am
12
13
14
7:30am - 9:30am
15Business After Hours
Marriott Shadowridge 5pm - 7pm Carlsbad Sundowner 5pm - 7pm
19
20
21
Holly Nanula Harcourts
4:30pm - 6:30pm
26
27
28
First Round Connectors House of Blues
22
AREAA Thanksgiving Outreach 5pm - 9pm
29
4
7am - 9am
9 6 Degrees Breakfast Series
SAT
Carlsbad Chamber
10am - 12pm
5
FRI
Profit Connection Leads Lunch Palm Desert Chamber
10 8am - 9am
12pm -1pm
16
11
Coffee Connection Carlsbad Chamber
17
18
24
25
BIA Annual Dinner Sheraton Carlsbad 5pm - 8:30pm
23 THANKSGIVING HOLIDAY
THANKSGIVING HOLIDAY
30
5:30pm - 7pm
Please share pictures of all your industry events, conventions, awards, sales meetings. Send to Holly (holly.johnson@imortgage.com) with a small explanation. imortgage is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040. NMLS ID 174457. All rights reserved. Equal Housing Opportunity.