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Education & Training - Independent Leadership & Financial Fitness Consultant
“Whoever does not wish to render history incomprehensible by departmentalizing it – political, economic, social – would perhaps take the view that it is in essence a battle of dominant wills, fighting in every way they can for the material which is common to everything they construct: the human labor force.” – Bertrand De Jouvenel I used to be part of the problem, now I'm hoping to be part of the solution. For 20 years I've helped families in Utah acquire loans. I refinanced hundreds if not a thousand mortgages, I've also helped hundreds of home buyers throughout Utah and other locations. Though I didn't realize at the time I was part of a economic system that is strangling and subjecting millions to economic slavery. I'm not suggesting that mortgage lending is "evil" or unnecessary, however, even after the Mortgage Meltdown in 2007, we still give money to millions who are not ready, nor have the "thinking" or "habits" they need to pay down their mortgage. I always knew that the posted rates we gave our borrowers were based on our customers paying their entire loan off over 15 or 30 years. What the borrowers never realized is what the "REAL" interest rate they were being charged by their banks. This blog will hopefully help those ethical mortgage and real estate agents who understand the great responsibility they have in helping their customers acquire what we call the "American Dream". I hope this blog also gives the prospective homeowner prepare themselves financially for making such an important purchase decision. I also want to caution those homeowners considering their mortgage as a giant piggy bank to draw against for expenses that will never provide any type of long lasting return. Thanks for reading my blog.

ARCHIVED BLOG POSTS

2007 

Has this ever happened to you?  Your at a neighborhood block party.  You arrive late to the party, everyone has already arrived before you.  As you mingle through the crowd you notice many are engaged already in conversations with each other.  You start to feel unnoticed and soon find a quiet cor...
01/17/2007
(Along with my Mortgage Planning newsletter, I also send this practical advice newsletter once a quarter)  Utilize Your Equity While You Still Can   In past history the stock market has been quite volatile, real estate has proven to be a stable investment over the years. According to the US Depa...
01/17/2007
As some of you Active Rain bloggers know I'm an active reader.  Recently I was at Borders and happened across this new gem.  "Words That Work, It's not what you say, it's what people hear", by Dr. Frank Lutz.  What perked my interest was the inside book cover.  There was a direct quote from Al Fr...
01/16/2007
I've been working with a referral partner in another state for some time.  She happens to be one of the most highest producing agents in her market.  I was referred to her through a friend and over a six month period of time she would send us an occasional loan.  One thing we noticed early was th...
01/12/2007
http://www.thedashmovie.com/This particular video hit home tonight after one of my collegues told me about another one of our team that lies in a hospital tonight.  He's only in his 30's and has a life threatening heart condition. The point is that life is short and perhaps making as much money a...
01/11/2007
Didn't know this until I watched this short clip from Simple Truths, but it made some excellent points about top performance in life and in sports.  My favorite quote was from Emerson - Perseverence is not one long race: it is a series of short ones.  Anyone who is curious should check out this c...
01/11/2007
Great article linked to below on future values in Utah in 2007.  Looks like Utah still is playing catch up with the rest of the nation.  Which is great for buyers and sellers throughout Utah.  When I find individual market updates, I will attempt to get these out there when possible.  If possible...
01/11/2007
 I hope everyone gives Dan White http://activerain.com/whidan a hardy welcome.  Dan was introduced to me through a collegue as a real estate agent, and has recently joined our mortgage company as a loan officer.  He now is working with me on several deals and has allot to offer our Active Rain co...
01/11/2007
  "Like most salespeople, I've spent a lifetime trying to build a network of customers and friends... . There are two ways to do it: retail and wholesale. Retail means the one-at-a-time kind of contacts that are built up through participation in community and social activities. Wholesale means th...
01/11/2007
In an earlier blog I referenced a book that I've been reading.  It mentioned that in networking situations that you should not be insincere or disengenous in your approach to a new relationship.  However you do need to bring passion, enthusiasm or life to the relationship!  As sales agents we hav...
01/08/2007
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