Is the Federal Reserve after your job?! Today, let’s dissect the reliability of job reports and why the Federal Reserve is struggling to make accurate policy decisions with them. We’ll also explore how inflation drives up prices and what that means for consumers. The conversation then turns to the latest JOLTS report, which reveals a significant drop in job openings due to COVID-19 mass layoffs and increased remote work opportunities. Finally, find out how current trends in the labor market, such as savings rates dropping, duration of unemployment benefits increasing, and people quitting their jobs at record lows, could influence the bond market and Fed policy decisions.

Jump into this high-level look into the market economy and how the Federal Reserve's interest rate policies may shape our mortgage rates and economic future!

[00:01 - 07:12] Exploring and breaking down the latest updates in inflation readings

[07:13 - 12:39] Revisions in jobs reports raise questions about the Federal Reserve’s policy decisions

[12:40 - 20:22] Job market softens, and job openings reach record lows

[20:23 - 25:53] How tightening interest rates could lead to job loss recession

Quotes:

"The reality is inflation, relatively flat headline inflation went up—marginally went from 3 to 3.2 in the month of August. Core inflation came down a little bit, but at this point, I'm of the impression that Inflation is really not going to be the primary driver.” - Daniel Halverson

"The definition of a strong market is a strong labor market. The definition of a softening market is you want to soften the labor force. You want to see job loss, which is what the Federal Reserve has made commentary for multiple times at the podium.” - Quinton Harris

"Let's handle this properly while we don't have a job loss recession. We're getting what we want. Let's keep it that way where we don't have to create massive pain to bring inflation down." - Daniel Halverson

Resources Mentioned:

Episode 90

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Do you want to create or build up a personal brand and open up opportunities for more engagement on and off the platform? Today is the day! In this episode, Thomas Rehberg uncovers how he leveraged YouTube to create a digital brand and generate awareness for himself and his business. With his strategy, he built his real estate business exponentially in the past year by building relationships with clients and creating his sphere of influence through digital marketing and buying leads. Find out how YouTube works to benefit from its searchable features, linking videos back to the platform even when sharing them on other sites, and the need to focus on audio at first and upgrading later.

After this, you’ll have valuable tips for starting your own YouTube channel or building a digital brand, so tune in now!

[00:01 - 05:54] Thomas Rehberg on his successful YouTube journey

[05:55 - 11:48] How to grow your YouTube channel overtime by embracing imperfection

[11:49 - 17:51] Become a local celebrity in your brand growth process

[17:52 - 24:22] Modern way of building relationships and creating your sphere

[24:23 - 28:22] Start first, confidence later

Quotes:

"Facebook, Instagram, TikTok—it’s here today, gone tomorrow, whereas YouTube lives on forever because it’s a type of Google; so you have the searchability of that.” - Thomas Rehberg

"Done is better than perfect.” - Thomas Rehberg

"Don't look at where it is now. We talk about this all the time on the show with business growth and development. If you're looking at the now and you're not paying attention to the ten steps before that.” - Thomas Rehberg

"The branding of yourself is critically important here. And so, starting YouTube is a great opportunity to do that." - Thomas Rehberg

Resources Mentioned:

Thomas Rehberg - Living in St. Augustine YT Channel
Nova Productions Jax
The Market Distillery

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Did you know we’re currently short 800 billion dollars on the 10-year treasury? Hedge funds are taking notice, and in this episode, we discuss what this could mean for the market if Federal Reserve Chairman Powell makes a statement at the Jackson Hole meeting this Friday. Get some insight into how shorting works without actually owning an item and how it can affect the debt levels of consumers. We’ll also update you on the insane U.S. credit card debt situation, the lasting effects of Covid-19 on small businesses, existing home sales, and the recent jobs report.

Lots here to unpack today, so grab a coffee, sit back, and get ahead of the game with the latest mid-month market news!

[00:01 - 03:53] $800 billion shorts on 10-year treasury while hedge funds are betting on market movements

[03:54 - 07:04] Consumer credit card debt reaches new record highs as student loan payments loom

[07:05 - 10:34] All-time low confidence in small businesses despite high existing home sales and ADP report

[10:35 - 14:59] The Fed’s approach to the job reports are in question after an unexpected revision

Quotes:

“The short on the 10-year [Treasury] is north of $800 Billion. The 10-year yield has been under some pressure." - Quinton Harris

"The demand that we continue to talk about those 90s babies, the people that are on the sidelines that have been wanting to buy are still buying this market, regardless of the rate they're stepping up." - Quinton Harris

"These numbers come out, and I was like, well, we messed up. You're not getting any benefit of them saying we messed up, you know, because it's not even temporary." - Quinton Harris

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Would you ever imagine a childhood classical piano prodigy would go on to produce hit Hip Hop records? In this episode, J. Dash joins us to share his unfiltered journey through the music industry. From classical music at five years old to the global success of his hit song "WOP" in 2020, Jay speaks candidly about high-level info like organic promotion and talking to the right people in power when lobbying for increased funding for music programs. He also shares his experience in the music industry and emphasizes the importance of embracing the process. J. Dash offers inspiring advice on having patience, grinding, and using social media as a tool rather than a crutch.

If you’re ready to get inspired, whether you’re in real estate, a musician, or an entrepreneur, tune in, and let’s take a look at the man behind the music.

[00:01 - 06:48] Piano prodigy J. Dash: From classical music to double platinum hits and beyond

[06:49 - 18:27] Current projects and how the WOP went viral with no money or marketing

[18:28 - 22:05] A look into J.’s work at Capitol Hill to get more funding for the arts community

[22:06 - 27:43] Revealing the real man behind the music

[27:44 - 33:12] J. Dash’s high-level thoughts on the current state of performance and society

Quotes:

"Music is really just controlling emotions—understanding how serious that is and how transformative music can be kind of allowed me to approach it from all angles or different angles." - J. Dash

"Music is all about timing, and so when I made the WOP, I made it because my friends and I used to dance, like, we came up with the dance first… I went back to my dorm room at the time, and I made WOP in a couple of hours.” - J. Dash

“Once you release your music, it’s no longer yours. The process that you own as a musician is the songwriting, like the creation process… As soon as you put it out there, it’s everyone else’s now; it takes on a life of its own.” - J. Dash

“A lot of people just see what bubbles up to the top; they don’t see the boiling that’s happening at the bottom of the pot.” - J. Dash

"It's always about the process, and a lot of people forget that." - J. Dash

"Success is not a straight line… For every yes that you have seen that has happened in my career, there has been like 10,000 no's that it sits on top of." - J. Dash

Resources Mentioned:

83 Days

You can catch more from J. Dash on Instagram.

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What are you really judged on when you apply for a loan? If you’re applying, there are some changes to the standard model that will affect you. In this episode, we explore the transition from three credit reports (TransUnion, Equifax, and Experian) to two (FICO score and Vantage Score 4.0). You’ll discover how lenders use credit reports to assess potential borrowers and how the transition to two credit reports will affect consumers in the coming year. We also look at the innovative Vantage Score 4.0 model, designed to benefit borrowers who may not have a credit score due to a lack of a mortgage or auto loan. Medical bills, tax liens, and civil judgments will be less influential on credit scores due to the new models.

Join in and understand the circumstances surrounding assessing creditworthiness and find out how the change of credit reports affects you!

[00:01 - 04:06] From three credit reports to two: Exploring the shift in credit scoring models

[04:07 - 10:17] New vantage model offers credit scores to 33 million US citizens and predictive risk performance across consumer products

[10:18 - 15:16] FICO 10: how it influences scores, taking into consideration alternate trade lines and recent credit behavior inquiries

[15:17 - 20:35] FICO and Vantage Score 4.0 removed major credit flaws, less impact on consumers and lenders

[20:36 - 25:30] How the model changes are leading to a significant win for borrowers and prospective buyers

Quotes:

"It's almost like the Wizard of Oz with those repositories. There's really not a place you could go to talk to someone about your credit report at Experian, TransUnion, or Equifax, and good luck calling. That's just been an absolute nightmare." - Quinton Harris

"Borrowers have been programmed over the years not to want to have their credit pooled, but one time, and that's because they have been influenced… I don't really think it's the media in this case.” - Quinton Harris

"I think that's been the biggest flaw of credit reports...there's been no formula." - Quinton Harris

“You can see that these two models… you get the best of both worlds.” - Quinton Harris

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The Lock-In Effect is sweeping across the nation, and it’s priming the real estate market! The 'Lock-In effect' is when homeowners are locked into a lower interest rate than currently available. With over 92% of all mortgages in America having a 6% or below interest rate and 82.4% being 5 or below, it is estimated that when a 5% mortgage comes online, it will be the new 3%. In this episode, we’ll dive into what this means for homeowners locked into a 4% or lower. Find out how to make a move to take advantage of this change. We’ll also explore the current state of the real estate market in America, discussing how demand has caused inventory levels to deplete across major metropolitans and other circumstances affecting the market.

Jump right in, and let’s figure out how the lock-in effect and other influencers will bring about the next real estate boom.

[00:01 - 03:53] Exploring the Lock-In Effect: how the 4% mortgage rate could lead to a ‘musical chairs’ scenario in homeownership

[03:54 - 07:05] 70% of people say mortgage rates are impacting their home-buying decisions

[7:06 - 10:44] Anticipating a real estate boom in 2024-2025 as builders get ready to meet demand

[10:45 - 14:14] A perfect storm for a real estate boom

Quotes:

"You're going to have people inside that 4% plus the people that are currently at 6 and even 5 that are in that lock-in effect that want to make a move. They're going to make the move. And what you'll see is almost like a musical chair aspect of homeownership." - Quinton Harris

"If history repeats itself from 2001, which we fully anticipate it will, we will see that 4% handle somewhere in 2025." - Quinton Harris

"Good times are ahead as you get through this, and it all takes is a little bit of rate drop." - Quinton Harris

Resources Mentioned:

Yahoo Finance: 90% of homeowners locked into their mortgage
Business Wite: A Factor Prompting People to Stay Put
Inman: 92% of Homeowners Have a Rate Below 6%

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Have you ever felt the rush of a once-in-a-lifetime opportunity slipping through your fingers?" We’re here to put your mind at ease! In this episode, we delve into the whirlwind of August lending updates, starting with the Florida Hometown Heroes program, an initiative that saw a staggering $100 Million evaporate in a mere 60 days! Daniel Halverson from the Bank of England joins us on the show to dissect the current market. Find out about what’s happening in the job market, what’s impacting inflation, and, of course, mortgage rates. We have a lot to cover, all designed to arm you as you enter the market.

Tune in to learn more about what you need to know to get ahead!

[00:01 - 08:17] Hometown Heroes Program: $100 Million gone in 60 days!

[08:18 - 13:01] Home prices reach a new peak despite inflation, interest rates, and market changes

[13:02 - 24:30] Stop trying to get the prices of 2010, as supply and demand dynamics keep home prices rising

[24:31 - 32:35] Is inflation really the problem for interest rates? Inflation decreases, but mortgage rates remain unchanged

[32:36 - 40:28] Unemployment at 3.5%, positive wage growth, but a job loss recession looms: Fed hawks are pushing for more rate hikes

[40:29 - 44:47] A final outlook on interest rates, inflation, and real estate

Resources Mentioned:

Ep. 55 - Exploring Florida's Most Affordable Housing Options w/ Chip White
Cost of Waiting Summary

Quotes:

"Don't panic. There are still other opportunities." - Daniel Halverson

"For all of the things that happened last year, inflation goes up—interest rates go up, the market changes significantly, the doom and gloom, the naysayers, the housing market crash; and here we are now, home prices are at peaks." - Quinton Harris

"You need to change your mindset… and quit trying to evaluate a price point that doesn't exist anymore." - Quinton Harris

“Lenders, listen to this. Realtors, listen to this. As partners, you need to have a strategy in place for your buyer for what they need, whatever hot button, ‘how are we going to get them under contract?’” - Daniel Halverson

"The markets are also not entirely confident that we have conquered inflation, and that's being reflected in the pricing. They don't see a way to get from 4.8% on the core to 2% without people losing their jobs." - Daniel Halverson

"You don't need a job loss recession to get inflation to move lower. You just need more time." - Daniel Halverson

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Would you ever have imagined a single decision by a rating agency could ripple through the entire US economy? Buckle up! In this episode, we take a deep dive into the US credit rating being downgraded by Fitch Ratings for the second time in modern history. We unveil what caused this downgrade, its potential effects on the economy, and how it may be addressed. We’ll unpack the words of two Federal Reserve Board members about why quantitative easing was necessary for 2019 and the looming national debt issue that will need to be addressed if the Fed Fund rate is raised. Discover how a rising rate impacts bond markets and credit ratings. Finally, gain insight into why the Federal Reserve has previously missed some of its marks and why they are proactively taking steps to prevent markets from unraveling.

Jump in to understand how this all plays out and what it means for you!

[00:01 - 04:40] Fitch downgrades the US credit rating: exploring the implications of too much debt

[04:41 - 08:29] The Fed raises rates despite economic uncertainty, with possible rate cuts imminent in 2024

[08:30 - 12:54] Federal Reserve signals that relief is on the way with a potential rate cut in 2024

[12:27 - 16:45] A Fed board member discusses the economic impact of Quantitative Easing and national debt

Resources Mentioned:

Ep.69 - 32 Going On 33: Rising National Debt at Historic Proportions
Fitch Ratings Downgrades the US

Quotes:

"The United States has too much debt. They have way too much debt…[Fitch Ratings] also said that there is a deteriorating economic outlook and erosion of governments, basically citing the debt ceiling fiasco." - Quinton Harris

“The Federal Reserve is there to protect the markets. And if they come out and they say, ‘well, you know, we're just going to keep tightening and tightening until we get to 2%,’ they're going to go till they break something. They know it." - Quinton Harris

"So here we have another Fed board member saying that, ‘Listen, I don't know that we're through the thick and thin of this, and we may have done enough.’" - Quinton Harris

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Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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Do you have a financial plan in place for college? Brad Baldridge, a certified financial planner, college funding consultant, and chief podcaster at Taming the High Cost of College, joins us on this episode to uncover how parents can save for college. With 25+ years of experience helping families reduce college costs, Brad advises that early-stage planning is vital and encourages parents to look beyond 529 plans when saving money. We’ll explore strategies such as Roth IRAs or individual investments that can help parents save more effectively and discuss the importance of understanding loan options based on budgets. Additionally, Brad talks through tips parents can take into their planning phase and resources that can help guide you through the process while avoiding traps.

There is lots of gold to cover here, so tune in for tips on paying for college in the current environment!

[00:01 - 06:19] Brad Baldridge: 25 years of college planning experience and expert advice on how to save for college

[06:20 - 13:05] Preparing for college is learning to save before spending

[13:06 - 19:39] Get ready for college: advice for freshman families on visiting schools

[19:40 - 35:54] Navigating the parental bias and exploring the right options for financial aid based on needs and budget

[35:55 - 41:14] How COVID-19 causes major changes in college admissions

[41:42 - 49:00] The changing landscape of academia and how schools are adapting to the new age

[49:01 - 1:01:09] Navigating the changing landscape of student loans: tips for parents

Resources Mention:

Taming the High Cost of College

Quotes:

"If you can't afford anything, how are you going to pay these loans back? When you have no free cash flow, a loan is not a solution. It's just delaying the inevitable. It kicks it down the road. And that's where I think a lot of people get in trouble." - Brad Baldridge

"Go to the big school, go to the medium-sized school, go to the little school, check them all out. It's worth the road trip." - Brad Baldridge

"At the end of the day, we want what's best for our children. We want them to have a path toward success. What we don't want them to do is drowning in debt because they chose that path." - Quinton Harris

"You're going to pay for college with money, but you're also going to pay for it with time and stress.”

"What's important is to realize that it's up to parents now to be the wise shopper and pay attention to, well, what is it we're getting for our money?" - Brad Baldridge

Connect with Brad on Linkedin and Facebook. For the best, proven ways to save and plan for college, you need to go to https://baldridgecollegesolutions.com/.

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Did you ever think Taylor Swift’s blockbuster tour would impact the dynamics of monetary policy and economics? In the wake of the Personal Consumption Index (PCE) dropping the other day, the Federal Reserve encourages consumers to slow down their spending. Yet influences like Taylor Swift’s US tour continue to have an incredible economic impact on the cities she visits. From ticket prices soaring ten times face value due to bots buying up tickets to hotel rev par metrics and Moody Analytics showing that major cities dwarf other US markets, it's clear that Taylor Swift has created an impressive economic boom. In this episode, we'll explore the concept of "Swiftflation," how fans prioritize entertainment over a recession, and how her tour has caused other countries to court her for a piece of the pie.

Tune in to find out how Taylor Swift is impacting local economies, maybe even yours!

[00:01 - 03:20] Exploring the impact of "Swiftflation:” Taylor Swift's economic influence on cities across the US

[03:21 - 08:48] Taylor Swift's ERAS Tour is set to become the biggest in history, potentially generating $4.6B in consumer spending

[08:49 - 11:58] Taylor Swift's tour boosts local economies with increased spending and transportation demand

[11:59 - 14:28] Is it about the fans? Taylor Swift's tour brings economic impact in time for the upcoming Fed meeting

Quotes:

"This is like, you're Michael Jackson. I mean, this is the tour. This is that person. They are changing the lives of cities and the people that live in those cities." - Quinton Harris

"Consumers are prioritizing entertainment over an imminent recession… but it's happening at such a robust level right now that it's like the perfect storm for the Swift Tour because customers are gladly going into debt, gladly liquidating savings to get a ticket to this show." - Quinton Harris

"The reality is, it still takes the consumer to spend that money. It's not like they're getting a gift or a grant from the city. It's the consumer spending that money." - Quinton Harris

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Imagine starting your real estate empire with no money down. Are you curious about real estate strategies like these that boost your wealth? In this episode, Bestselling author and Wicked Smart Companies founder Chris Prefontaine joins us to share his innovative tactics refined during the 2008 financial crisis. We explore owner financing, lease purchases, and buying subject to existing loans while learning how to structure six-figure deals and control properties without personal guarantees. After this, you’ll be equipped with the advantages of buying from free and clear owners and leveraging low interest rates; you’ll understand assumable mortgages, lease purchases, and Chris's distinctive strategy of creating three paydays with rental properties. We also reveal insights into potential pitfalls and common investor mistakes, on top of resources from Chris that will help you stay ahead of the game!

Tune in now to stay informed about market changes and unlock the secrets of high-yield investments, effective negotiation, and much more.

Smart Real Estate Coach tools and resources that will supercharge your wealth generation! https://smartrealestatecoach.com/resources/

Grab your free book: http://wickedsmartbooks.com/wisdom/

Free masters class: https://wickedsmartacademy.com/mastersclass

Schedule a free call: https://smartrealestatecoach.com/action/

[00:01 - 06:05] Chris Prefontaine: improving your real estate position and developing wealth through creative financing

[06:06 - 11:33] Solving financial headaches: identifying the ideal seller situation for real estate success

[11:34 - 17:56] Unlocking the power of mirror wrap mortgages: how to thrive in a low inventory market

[17:57 - 25:14] Streamlining the real estate process with advice and resources on how to get started

[25:15 - 34:31] Negotiating deals in your niche—avoiding headaches and setting yourself up for a win

Quotes:

"If you do these straight criteria, you'll have a six-figure deal because we know the metrics." - Chris Prefontaine

"You're not going to wake up one day and have the things that you want. You're going to have to not only earn them, but you're going to build it, build it through wealth, build it through some sort of investment." - Quinton Harris

"Go do due diligence, and when you’re ready, commit and put the blinders on for 3 to 7 years. If you do that, and you have someone guiding you, you can’t have a bad experience.” - Chris Prefontaine

Resources Mentioned:

Real Estate on Your Terms - Chris Prefontaine
Smart Real Estate Podcast

You can connect with Chris on LinkedIn, Facebook, and Instagram. Be sure to partner alongside the best in creative at https://smartrealestatecoach.com/.

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls! Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram.

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Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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Real Estate On Your Terms (Revised Edition): Create Continuous Cash Flow Now, Without Using Your Cash Or Credit

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Could your home be a goldmine waiting to be unearthed? The data doesn’t lie! In this episode, we unravel the conflicting dynamics of the current home resale market at play. We delve into the equation of how plummeting sales and dwindling demand might unexpectedly translate into a seller's market. Armed with fresh-off-the-press data, we examine the limited turnover of homes in the US and the "lock-in effect" due to low interest rates on mortgages. With the data we have, we can also look ahead to 2024 & 2025, which economists are forecasting as some of the biggest real estate years in American history.

Dive right in for the latest info and tips on how buyers can take advantage of the market!

[00:01 - 03:29] Home resales at a record low—it’s time to take advantage of appreciation before interest rates drop!

[03:30 - 07:04] Home prices are set to rise in 2024 as a lock-in effect causes a limited inventory wave

[07:05 - 10:02] Builders reap the benefits of a low inventory market with competitive advantages and incentives

[10:03 - 16:10] Seize the moment: pent-up demand is driving forecasts of record real estate years ahead

[16:11 - 18:17] What to do with this information: wealth building through real estate investing

Quotes:

"Home appreciation is a real thing. And we've given multiple reasons as to why we think that could be the case." - Quinton Harris

"It's almost like musical chairs at that point; you're going to be switching properties back and forth because there’s not really new inventory coming on the market." - Quinton Harris

“The pent-up demand that is being driven in the background between buyers that want to buy a home, and homeowners that own a home who want to move, is probably the highest we’ve ever seen in the history of the United States.” - Quinton Harris

"This is the moment when [you] need to engage and start getting pre-approved, start searching for a home, and realize the home that [you’re] buying today, this isn't [you’re] forever home, especially if [you’re] a first-time home buyer." - Quinton Harris

Resources Mentioned:

What’s Your 1 More YouTube
How to Overcome Fear and Misinformation in Home Buying
July Lending Update

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls! Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram.

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Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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Have you ever wondered what it's like to front a popular rock band? Dive into the fast-paced world with Saliva's charismatic lead singer, Bobby Amaru. Bobby is a talented musician, father, and husband. Today, he unveils everything from his music-infused upbringing to the revival of Saliva and its fanbase in this episode. We dive deep into the scene with talks around social media's impact on music, digital-age parenting, and the necessity of owning your music. We look at the role streaming services play in the industry and unpack the darker sides of the industry itself. Plus, discover how Bobby used the setback of canceled tours during COVID as fuel for a new record, Revelation, releasing in September!

Prepare for a raw, captivating journey in this episode!

[00:01 - 07:34] Bobby Amaru of Saliva: from drummer to lead singer and growing the brand for 12 Years

[07:35 - 16:24] Navigating choppy waters: dealing with unruly fans and social media desensitization

[16:25 - 27:03] The reality of signing a music record deal—own your stuff

[27:04 - 32:53] The road to sobriety to become a better person

[32:54 - 37:11] High-level advice for people who are new to the music industry and a look at Bobby’s father-daughter duos

[37:12 - 43:41] Using your craft to give back, inspire, and unite

[43:42 - 51:18] The Impact of COVID-19 on Bobby’s band and using it to fuel creativity and productivity

Quotes:

"I wanted to be a musician. I mean, that was it. There was nothing else I wanted to do." - Bobby Amaru

“You shouldn’t be on the stage if you’re not going to give it your all.” - Bobby Amaru

“Try to own as much of your stuff… Be your own business, be your own label.” - Bobby Amaru

“You have to surround yourself with people who are driven like you are and want the same stuff… keep the egos out of the room.” - Bobby Amaru

“It’s life. I’m going to stick with [sobriety] and get through it. Because I felt like, for me, I knew that was going to be the best version of myself.” - Bobby Amaru

"Every bad relationship…in your next one… you're not going to look for the same thing—already been there, done that. I'm going to try swimming against the tide.” - Bobby Amaru

Stay up to date with Bobby Amaru’s upcoming projects on Instagram and Facebook.

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls! Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram.

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The endless news cycles, social media posts, and public opinion often trigger a cascade of fear and anxiety. As prospective home buyers, these feelings can cloud our judgment and decision-making. Are we buying at the peak of the market? Are we missing out on a better opportunity? These questions loom large. In this episode, we address and debunk more misinformation instigated by the news and social media to help you navigate the home-buying process with confidence and clarity.

[00:00 - 09:23] Debunking ATTOM's misleading reports on high foreclosure rates and why their data reflects pre-pandemic conditions and misrepresent today's market driven by first-time home buyers.

[09:24 - 14:29] Don’t listen to the fear-mongering – Buying in 2023 could secure major appreciation in America's upcoming Real Estate boom of 2024 and 2025

[14:30 - 17:12] Black Knight Incorporated reveals the contrasting positive reality of mortgage delinquencies and foreclosures in the US

Quotes:

“Our buyers are just being delivered a headline, and that headline reads ‘Top 10 Cities in America with the Highest Foreclosure Rankings.’ You see that your city shows up as one on there and that couldn't be further the truth.” — Quinton Harris

“If you don't buy now, you're going to essentially lose out on the appreciation that is coming ahead of you over the course of the next three years.” – Quinton Harris

“Don't let the news make the decision for you. Get into the headlines, dive deep into it, read what's going on in there, and more importantly, trust the people on the ground in the market of the city you live in. Because they are going to have a better data set of what's going on there.” – Quinton Harris

Resources Mentioned:

Article: ATTOM: Top 10 U.S. Housing Markets with Worst Foreclosure Rates in Q2 2023

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls! Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram.

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Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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Find out everything happening in the complex world of lending. In this episode, Daniel Halverson joins us in navigating market trends for three borrower types, highlighting challenges in conveying market information, and suggesting equity transition strategies for real estate agents. We’ll unpack the impact of a new Florida law restricting foreign ownership of certain properties and current economic fluctuations culminating with a look at the Fed's struggles with inflation management and an increasingly AI-driven stock market rally.

All that and more today. So let’s dive into the indexes and all the latest in the lending market for July!

[00:01 - 06:26] Lending update: exploring the three types of borrowers and how to access equity in a low interest rate environment

[06:27 - 15:18] Solutions to the inventory issue and a way to take advantage of rising home values

[15:19 - 23:16] New Florida law restricts non-U.S citizens from purchasing property near critical infrastructure facilities—what are the implications?

[23:17 - 27:25] Inflation drops, but mortgage rates rise: what's happening?

[27:26 - 34:06] The Fed struggles to combat inflation as the job market remains stubborn and wage growth slows

[34:07 - 43:56] The Fed is tightening credit policy to deter spending; CPI readings show a 25% reduction in the headline rate

Quotes:

"People, don't get it twisted. Today the CPI came out, and it was very favorable. We're seeing tremendous market movement from that. And this could be the beginning of something that we think could be a catalyst to an even more competitive environment." - Quinton Harris

"It is beneficial to put your clients in a situation where they can refine and accomplish goals.” - Quinton Harris

"You can't find what you're not looking for. And then there's battling the investors that are out there too." - Quinton Harris

"The reality is more people want to be paid more. If you work for a publicly traded company. Look at your earnings reports. I mean, there's a handful of stocks carrying this little rally that we're seeing in the stock market is not an overall abundance of strength." - Quinton Harris

Resources Mentioned:

Ep. 72 with Dan Habib
Bank of England Jax

Catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

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In this episode, we explore the maze of the Student Loan Debt Forgiveness Act, enacted in March 2020 and renewed every 8 months since. Discover the shockwaves caused by the Supreme Court's decision to overrule the Act's second section - a generous $20,000 forgiveness for households earning up to $125,000. As we quickly approach the September 1st deadline for repayments, we simplify what's on the horizon. We dig deep into the Department of Education's empathetic measures that come into play between September 1st and October 1st, offering you the tools to navigate this complex landscape.

[00:11 - 03:35] Student Loan Debt Forgiveness: What Was Once and What is Now

[03:45 - 06:19] Supreme Court Overrides $20,000 Debt Forgiveness Act

[06:19 - 11:06] Navigating Student Loan Repayment in 2023

[11:06 - 14:45] Understand the Consequences of Defaulting on Student Loans

[14:45 - 17:30] 3 Steps to Take Now to Manage Your Student Loan Payments

Quotes:

"They're not there to put you in a position to go broke or have to file bankruptcy. That's not what they wanna do." - Quinton Harris

“If you do not pay them back or default on that [student loan], that is a decision that could haunt your path for homeownership” - Quinton Harris

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls! Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram.

Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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As the economic tides shift and core PCE hits 4.6%, one question emerges - can the anticipated rate hike from the Federal Reserve be the game-changer to steer inflation back to a manageable 3.2 to 3.5%? In this episode, we discuss the impact of shifting job reports, the pressure of surging 10-year yields on the bond market, and the potential effects of the Federal Reserve's looming policy decisions.

We also dive into the Real Estate market defying doom forecasts since 2015 and how the expected influx of millennial first-time buyers could bolster this trend. Tune in and catch up on the latest financial updates!

[00:01 - 03:14] With a core PCE of 4.6%, will the anticipated Fed rate hike steer inflation back to a more manageable level?

[03:15 - 06:59] Shifting job metrics and surging 10-year yields are causing market turbulence; All eyes are on the Fed’s next move and its impact on mortgage rates.

[07:00 - 15:37] Is a Real Estate doomsday coming? Here’s why it’s still a good time to buy!

[15:38 - 21:47] CFPB’s breach of Freedom of Speech – Mortgage expert fined for advising on credit score improvement.

Quotes:

“We fully anticipate that at some point [the FED] will start relieving the market of the pain that they've caused by essentially raising rates at such a high amount. And one thing that I fully expect is that if they do raise these rates, watch the regional banking system, watch what happens because that's where the pressure is [first] going to be applied in the banking system.” – Quinton Harris

"Home prices are actually holding, and they're actually still going up in most of the country.” – Quinton Harris

Sourced CNBC Headlines Courtesy of Hunter Downing.

Resources Mentioned:

Ep. 72 with Dan Habib

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

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By popular demand, Dan Habib is back on the show, bringing his 18+ years of experience in the mortgage industry! Dan is a powerhouse honored with several awards and magazine publications and is currently the Chief Revenue Officer for MBS Highway—a platform designed to help educate mortgage professionals and make them experts. In this episode, we dive into the current economic landscape, exploring the Federal Reserve hikes and their impacts on consumers, banks, and mortgage rates. We explore long-duration bonds, debt ceilings, inflation reports, and interest rates. Is a recession on the way? Find out how to prepare.

Get invaluable insight on navigating our current financial frontiers and advice from THE expert in the mortgage industry—don't miss it!

[00:01 - 07:44] Dan Habib returns: MBS Highway and list reports merger

[07:45 - 12:28] How the Fed's historic aggressive rate hikes impact banks and mortgage rates

[12:29 - 19:44] Bond prices decrease, and rates increase— high-level explanation of how the Fed will make decisions based on PCE and Core CPI

[19:45 - 27:22] Mixed signals in the economy: unemployment, stock market booming, manufacturing in contraction, and an elusive 2% inflation target

[27:23 - 34:17] Recession looms as the Fed's rate hikes could lead to a credit crunch and bank crisis

[34:18 - 41:43] Shut out the negative media: home prices are appreciating despite higher rates and low inventory

[41:44 - 51:17] Fed rate hike could lead to recession: here's what to look out for and how to prepare

Quotes:

"Every battle is either won or lost before it's fought… What are you doing to win the battle with agents before it's fought?" - Dan Habib

"Now maybe we can return to fundamentals, and fundamentals would be: mortgage rates and the bond market on the long end, starting to follow the path of inflation." - Dan Habib

"I don't think the Fed's going to get down to their 2% target unless you get a really good recession. You get some kind of crisis that happens.” - Dan Habib

“The Fed, regarding their monetary policy, they’re not skating to where the puck is going to be; they’re not skating to where the puck is, even, they’re skating to where the puck was.” - Dan Habib

"Don't listen to the negative media out there. I think that there's an opportunity to be had there, even though it could be a little bit contrarian." - Dan Habib

"Demographics is destiny." - Dan Habib

"The news is not your friend… Social media is not your friend. And you've got to learn and take things into account for yourself to make your own decisions." - Quinton Harris

Resources Mentioned:

Ep. 9 with Dan Habib
MBS Highway
Email: christine@mbshighway.com
Cryptocharged.com

Connect with Dan on. Find out even more about the legend himself over on Instagram. For market insights solutions for residential mortgage and real estate professionals, check out https://www.highway.ai/.

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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Trivia for you golfing fans- Who was the first South Asian to win a major championship and reached the world Number One ranking in 2004 and 2005? Answer: today’s honored guest Vijay Singh! In this episode, he recounts his journey from learning golf as a child from his dad to his impressive professional career of winning 34 events on the PGA Tour, including three major championships. You’ll hear about the unsung value of intense and consistent practice (in any field), as well as how he focused on making a living from golfing, which led to success in tournaments. He reflects on competing against different generations of players, most notably Tiger Woods, who dominated throughout his career. We discover his take on the impact of modern technology on golf, allowing players to hit the ball further and with greater accuracy and new designs in the industry-leading to changes in the game.

Tune in to hear more about Vijay Singh's incredible journey to becoming one of the greatest professional golfers ever!

[00:01 - 07:30] Vijay Singh: from self-taught golfer to PGA Hall of Famer

[07:31 - 15:39] Battling against the best—competing against Tiger Woods and other elites in their prime

[15:40 - 21:42] How technology is revolutionizing golf: wooden drivers, longer courses, and stronger players

[21:44 - 30:52] PGA Tour forced to merge with LIV after spending millions in legal fees and facing pressure

[30:53 - 35:20] The experience of a father-son golf duo

[35:21 - 40:40] The indescribable feeling of putting on the “green jacket”

Quotes:

"It's easy to hit the ball… You know where you want the ball to go. That's the main thing. So the only way for me to succeed was just to hit balls and, and hit balls, and hit balls.” - Vijay Singh

“If I get a tip from somebody, I go and make sure I get it down… A lot of people tell you a lot of stuff; you don’t really have to listen to all the stuff… You pick out what you want and throw away the rest.” - Vijay Singh

"Competition breeds success." - Quinton Harris

“It doesn’t whether you’re a golfer, it doesn’t matter whether you’re a business person or in sales. That practice that not everybody wants to embrace is part of success.” - Quinton Harris

Connect with Vijay on Instagram. Find out even more about the legend himself over on https://www.vijaysinghgolf.com/.

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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Have you noticed issues surrounding the current state of healthcare and its implications on families in the US? In this episode, Eric Ross (Hot Sauce Ross) joins us to dive into the subject, highlighting the drastic insurance cost increases over the last 15 years and the urgent need for consumer advocacy. Eric is an RN and CSO of Two-Twelve Benefits who is on a mission to change the strategies surrounding healthcare. He is also a fellow radio broadcaster/podcaster, coach, and consultant. Here, we tackle the current issues healthcare faces, learn how the industry works, and have a bit of fun playing “Healthy or not Healthy.”

Has this topic been eating at you? You’re not alone! Dive in, and let’s take a high-level look at what it would take to solve America’s healthcare problem.

[00:01 - 05:50] Into the world of healthcare with “Hot Sauce Ross”

[05:51 - 12:01] Greed is the root cause of skyrocketing healthcare costs: a 15-year look at the industry

[12:02 - 17:55] Why the American healthcare system is broken

[17:56 - 27:49] Understanding healthcare—time, value of money, and family

[27:50 - 41:27] ‘Healthy or Not Healthy?’ Segment

[41:28 - 47:48] The story and impact of what’s your 1 more?

Quotes:

“The cost of healthcare is light-years above everything else. That's our world” - Eric Ross

“I don’t think anything has done up in cost as much as healthcare in the last 15 years.” - Eric Ross

“I think the root cause of all the issues [in healthcare] is greed, PERIOD!” - Eric Ross

“I believe [change] is coming in healthcare. But like anything else, it’s like turning around the Titanic in the bathtub… it’s slow.” - Eric Ross

“This is real-life stuff, and our listeners are real-life people, and they fight these real-life battles every day.” - Quinton Harris

"Putting one more smile on someone else's face. I love making people smile… How do I put one more smile on someone else’s face?" - Eric Ross

Resources Mentioned:

What the Health Just Happened? w/ Eric Ross
The Energy Bus

Connect with Eric on LinkedIn. Are you ready to make healthcare easier for your company? Go to https://www.twotwelvebenefits.com/ for a better way.

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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The Energy Bus: 10 Rules to Fuel Your Life, Work, and Team with Positive Energy

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Forecasted figures point toward a national deficit of 1 trillion by 2030. How will we get out of this one?! It’s time to dive into the world of national economics! In this episode, we tackle the Federal Reserve's recent short-term interest rate increases and their impact on regional banking and the staggering $32 trillion national deficit. We’ll unpack how such a colossal amount accumulated and delve into how Congress and the President address the deficit, leading us to a topic that was brushed under the rug: the US debt ceiling. We scrutinize the escalating interest payments on the national debt, examine how foreign creditors contribute to one-third of this figure, and round it up with what potential solutions could look like.

Brace yourself for an immersive look into these critical economic factors and the trajectory we’re heading down as a nation.

[00:01 - 03:26] Exploring the impact of $32 trillion in national debt: the Burn Rate reality

[03:27 - 08:40] Our deficit problem—interest payment on debt to reach $1.3 trillion by 2030

[08:41 - 11:18] Debt maturity and interest rates: examining the impact of rising national debt on the economy

[11:19 - 14:18] Trillion-dollar question: what’s the solution?

Quotes:

"The interest payment on this debt alone is about to breach $600 billion. A mind-boggling jump from last year's $475 billion." - Quinton Harris

"Did you know? A third of our debt is owed to foreign entities. This is a third of our payments that leave our economy." - Quinton Harris

"As the interest rate on national debt rises, it pressures our budget. Forecasted figures point towards 1 trillion by 2030. We need a solution." - Quinton Harris

"We need to learn from history. From Washington to Clinton, the total national deficit was $4 trillion. Post-Clinton, it increased eightfold." - Quinton Harris

Resources Mentioned:

Episode 28 with Rob Chrisman
Episode 67

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Curious about how to conquer the post-Covid business world? Join us as we delve into Geoff Zimpfer's wisdom, a former Tony Robbins national sales trainer and long-standing mortgage originator. In this episode, he advises us to adapt our mindset and actions to new realities, highlighting the critical role of understanding and nurturing relationships with our main clients, like real estate agents for loan originators. Geoff explores the concept of managers returning to production roles with the caveat that stellar production doesn't equal management success. He also elucidates the need for a robust infrastructure for effectively buying leads. One of his pearls of wisdom? Shift from a salesperson to an advisor for deeper connections with agents.

That’s just the tip of the iceberg! Don't miss out on this valuable insight for navigating change in the mortgage industry!

[00:01 - 06:59] Embracing the ‘new reality:’ How to survive and thrive in the post-COVID real estate market

[07:00 - 14:20] Taking a macro look at the real estate industry and examining the pros and cons of buying leads

[14:21 - 21:51] The power of real estate agents and databases—understanding the importance of systems, tools, and technology for conversion

[21:52 - 26:13] How to succeed in getting engagement: the dynamics of the relationship between realtors and loan officers

[26:14 - 33:12] ‘Be a peer—’ unlocking the vendor problem by investing in relationships

[33:13 - 41:09] Be consistent and focus on small wins as a loan officer to maintain success

[41:10 - 46:36] Geoff’s turnkey system: lead with education to solve real estate agents' biggest problems

Quotes:

“A lot of us are working twice as hard for half the results.” - Geoff Zimpfer

"Embrace the suck. Don't be shocked if the water's cold.” - Geoff Zimpfer

“Everything works. It just doesn’t work equally well everywhere all the time for everyone.” - Geoff Zimpfer

"If you're going to succeed, succeed with leads, you need infrastructure, you need a pro, you need systems, tools, technology… You need those three things in place." - Geoff Zimpfer

"It's a business decision. You want their deals. So the point of this is, it's the, it's the structure and dynamics of the relationship, right? Is, is it equally yoked and matched."

"It is okay to be the second-best option in that relationship. Just because you're not number one yet, doesn't mean you can't be." - Quinton Harris

"Lead with education… I think that's probably what drives the success of people.” - Geoff Zimpfer

Resources Mentioned:

Mortgage Marketing Institute
Disrupt or Die - by Geoff Zimpfer
Mortgage Marketing Institute ep. 281 w/ Quinton Harris

You can connect with Geoff on LinkedIn, Instagram, and Twitter.

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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“We need more inflation—” the unwisest words spoken by one of the most unwise entities: The Federal Reserve. There is now a daunting battle being waged against inflation, and at the forefront of it is the Fed. What did they do while all this comes to a head? They paused! In this episode, we dissect how their attempt to rein in inflation to 2% could strain banks and muddle economic indicators. We also dive into the rising jobless claims and other symptoms of a weakening economy despite inflation peaking at 4.7%. After everything is laid out on the table, we’ll analyze whether the Fed can meet its goal, hinting at a possible halt in rate hikes and a potential move toward quantitative easing.

Join us for a deep dive into these economic shifts and their potential implications!

[00:01 - 07:23] Exploring the impact of the Federal Reserve's "Pause Heard Around the World"

[07:24 - 11:44] Why Powell is putting pressure on the regional banking system: a tipping point

[11:45 - 16:18] Unemployment numbers aren’t matching up—job losses are reaching pre-pandemic highs

[16:19 - 20:52] The Fed’s actions speak louder than words and it’s affecting the real estate industry

Quotes:

"The reality is [the Fed’s] goal is to fight inflation and get that price stability down and get everything in the 2% range." - Quinton Harris

"The challenge with the Federal Reserve is that anytime they reduce rates and they make money cheaper, it's addictive to them. Let's not forget when they tighten policies, and they raise interest, short-term interest rates that is tightening the money cycle.” - Quinton Harris

"The numbers aren't lying. That's what I'm going to say. And I'm also saying that we don't have a strong economy because we have double inflation from where we want it to be." - Quinton Harris

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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Ever wonder what it would be like to have a fully immersive working experience from the comfort of any location of your choosing? Strap in for a thrilling ride through virtual reality! In this episode, we're joined by the innovative Matt Cimaglia, CEO of Third Summit. We'll explore his ground-breaking workflow platform, Alteon, and discuss its recent partnerships shaping the future of 3D content creation. We’ll trace through the evolution of 3D storytelling, from silent films to modern Disney experiences, and delve into the impact of Apple’s Vision Pro headset on AR technology. Ready for a trip into the cutting edge of tech?

Tune in now for an unforgettable conversation about the future of digital content creation.

[00:01 - 06:17] Exploring virtual reality spaces, cloud-based workflows, and remote collaboration

[06:18 - 14:21] Alteon simplifies cloud storage for content creators, and Apple's latest announcement

[14:22 - 21:59] From the silent film era to Apple's Vision Pro—the need for non-linear narrative of content creation

[22:00 - 34:48] Using AR to revolutionize production: How Apple's Vision Pro is accelerating wide-spread growth in the space

Quotes:

"We should be being more efficient in our workplace. And if I don't have to be tied down to a specific location, that really benefits the overall mindset and creative juices, if you will, for when you’re creating." - Matt Cimaglia

"I remember looking back at some decks not too long ago of trying to convince my clients that they should, Put video online. And I remember walking into boardrooms and telling CMOs this, and they just looked at me like I was from Mars."

“Everyone always talks about a way of improving their business… and that’s the general thesis behind Alteon today!” - Matt Cimaglia

“In times of economic decline, there’s always an opportunity.” - Matt Cimaglia

“Necessity is the mother of invention.” - Matt Cimaglia

Immerse yourself in the future of VR and AR, starting at https://alteon.io/.

Resources Mentioned:

Alteon
Third Summit
Apple Vision Pro Press Release

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Be sure to Subscribe, Share, and Leave a Review to let us know you want to keep the content coming.

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Things are getting hot in the housing market! Is it good or bad? Here to dive into the data with us is Daniel Halverson. Addressing the buzz of a housing bubble, we'll reveal how soaring home prices outstrip their 2022 peak, thanks to a bottleneck in inventory and unmoving sellers. Discover why owning a house matters now more than ever and how initiatives like Florida Housing Finance are democratizing homeownership. We decode the labyrinth of the rising rate environment and strategic maneuvers for potential buyers. Yes, rate hikes are looming, but Florida Housing Agency has sweetened the deal. Learn why banks are offloading assets, why investors favor 10-year treasuries over mortgage-backed securities, and how, against popular opinion, the real estate industry isn't just surviving—it's thriving.

All that and more, so jump in and let’s crack open this June’s lending update!

[00:01 - 06:06] Home prices continue to rise despite higher interest rates—examining the lock-in effect

[06:07 - 11:28] Home prices remain stable despite news of a housing bubble: takeaways for real estate agents and first-time home buyers

[11:29 - 18:45] How to navigate the market and hedge against interest rate changes

[18:46 - 26:02] Good news on inflation as the CPI drops below 5%, core CPI sees a decrease, and wage inflation falls slowly

[26:03 - 32:25] A flood of 10-year treasury bonds is impacting mortgage rates: is the market pricing it in?

[32:26 - 37:54] Take advantage of the good in the market—the data proves the news is trying to fool you

Quotes:

“It's pretty wild that we still continue to hear about home prices and the market and challenges, and I think that it really just points to what we've been talking about for a while.”

"It's been a little bit challenging, I'd say, over the last 90 days because I think a lot of what we still anticipate is going to happen [in the housing market] just hasn't quite happened yet."

"Don't let the news fool you. Don't let the Debbie Downers fool you. Take advantage of what the game gives you right now, and there's a lot of good going on." - Quinton Harris

Resources Mentioned:

Bank of England Jacksonville

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Be sure to Subscribe, Share, and Leave a Review to let us know you want to keep the content coming.

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Want to thrive in business? Then there’s a critical component you can’t ignore—yourself! Today we sit down with Rocco Carriero, author, manager of $750 million in assets, and advisor to business owners and entrepreneurs. His new book, "Three Chords Approach to Life for Wealth Management for Business Owners," reveals how to prioritize one's values to make time for the essential things in life. In this episode, Rocco takes us through his journey from South Hampton, New York, to becoming a sought-after financial expert. He shares his expert perspective on the seasonality of business and real estate growth and his tips for balancing personal wealth, health, and relationships. Discover his insight into the importance of leading your one life and how it can be crucial to success.

Listen in as Rocco shares his secrets on balancing self-care, family life, and business. You don't want to miss out on this inspiring conversation!

[00:01 - 05:19] The three chords approach to life—what it says about balance

[05:20 - 14:03] Achieving success in ALL areas of life: Balancing business, health, and relationships

[14:04 - 22:20] The Three Cords of Success for CEOs and entrepreneurs: balancing self-care, family life, and business

[22:21 - 27:28] Business philosophy regarding real estate and other investor markets

Quotes:

"True wealth was not just the money. Super successful business owners with tons of financial resources did not equate to somebody really feeling truly wealthy and being a real success." - Rocco Carriero

"Money gives you the opportunity to help a lot of people, including yourself and the ones around you.” - Rocco Carriero

“Americans who pride themselves on minimal sleep and long work hours will eventually burn out.” - Rocco Carriero

“There's no right or wrong way to prioritize, as long as you give time and energy to all three: self, family, and business.” - Rocco Carriero

“You can't fire your son or your daughter. It's very, very different. [Family] the hardest, but it's the most rewarding and important over time.” - Rocco Carriero

“Those who didn't have that support in their life often regret it. Don't miss out on the opportunity to provide support and love to your children and family.” - Rocco Carriero

Resources Mentioned:

Three Chords Approach Book

Connect with Rocco on Twitter and Instagram. Go to https://roccoacarriero.com/ and discover more about living a wealthy and balanced life.

You can now catch us on Spotify and watch our full video episodes, join in on Q&As, and participate in polls!

Do you want to grow your wealth and leadership? Connect with us on Facebook, Twitter, and Instagram. Be sure to subscribe to us on YouTube to enjoy highlights and full video episodes.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Be sure to Subscribe, Share, and Leave a Review to let us know you want to keep the content coming.

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Starting a podcast can feel like one of the most daunting tasks you can do. Did you know that over 90% quit after just 7 episodes? It’s no wonder. Podcasting can sometimes feel like a shout-in-the-dark. That’s why people like Karl Sona rise to the occasion to get people discovered. In this episode, Karl, CRO, and Co-Founder of Streamlined Media, gives the best advice on starting and running a successful podcast and the opportunities it can come with. By the end, you’ll be fired up and fully aware of all the resources necessary to produce your own show.

Dive in and learn how to start a podcast and create engaging content.

[00:13 - 06:42] Starting a podcast can be a daunting task, but it’s all about the long game

[06:43 - 17:03] The mindset and skillset you need to start a podcast and keep it alive

[17:04 - 22:35] How to put yourself out there and develop content that's good enough to get people to watch and listen

[22:36 - 31:05] Podcasting's new frontier: Advising and producing high-quality content to boost discoverability

[31:06 - 38:20] Count the cost of starting a podcast—what will it take?

[38:21 - 42:20] How to create your podcast now

Quotes:

“That’s the opportunity [of a podcast]. You’re taking folks on a journey if you do it the right way. You’re giving folks an opportunity to find out we’re a lot more connected… and there’s a tremendous amount of growth for you as an individual.” - Karl Sona

“The opportunity is to lean into what makes you authentically you. That’s where this medium can blow someone up” - Karl Sona

“[Podcasting] can be as powerful as a formula1 race car… but just because you can jump in and go does not mean you have the skills required to stay on track.” - Karl Sona

“Go slow to go fast… be patient and trust the process.” - Karl Sona

“Lean into the things that make you uniquely you.” - Karl Sona

You can connect with Karl over on LinkedIn and hop on a quick call. If you’re ready to create content that wins engagement, head to https://streamlinedpodcasts.com/ to get started.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Be sure to Subscribe, Share, and Leave a Review to let us know you want to keep the content coming.

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Now that we’re experiencing an inflationary market, there are some ways you can use this to your advantage. In this episode, Alex Stewart and I are going to discuss bonds. A bond is a relatively risk-free investment that can provide you with passive income and compound interest. We’ll break down what bonds are, how to purchase them, current rates, and what makes them a good investment in today’s market economy. You’ll also get advice on the kinds of bonds to consider and everything you need to know to get started as soon as the episode is finished.

Tune in and learn how to benefit from current market conditions with this investment opportunity.

[00:01 - 06:07] What are bonds, and why there’s a window of opportunity now for people on the search for risk-free investments

[06:08 - 12:03] An easy way to earn 4.19% on your investment and how to calculate the value of your return

[12:04 - 18:40] Advice on benefiting from compound interest on inflation-adjusted bonds

[18:41 - 28:10] The best strategy to capitalize off of I Bonds and EE Bonds

[28:11 - 32:19] Best platforms to start getting into bonds that will give you 3% or higher APY

Quotes:

“You’re not going to retire off of bonds, but there is a window of opportunity that’s been created right now to definitely yield some significant interest.” - Quinton Harris

“This can be a great way to let your emergency fund build and really start to compound in a very risk-free environment that's going to keep up with inflation.” - Alex Stewart

“Bonds are often considered Smart Money. The yields on bonds are typically telling you stuff that maybe the stock market doesn’t tell you.” - Alex Stewart

Resources Mentioned:

TreasuryDirect

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain accurate and digestible insights that will help you serve your clients and expand your real estate.

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Despite high interest rates, we still see supply shrinkage and rising prices. What’s going on here? In this episode, I’m joined by Daniel Halverson, one of the top producers and leading experts on Northeast Florida loan origination, to dive into the current state of lending. Changes in the market have been sequential, and here you’ll find the following sequence in the evolution of our current market. Find out what’s happening beneath the surface and the various options available to buyers and sellers.

If you’re looking to adapt to this ever-evolving market, jump in and get all the insights you need in this lending update.

[00:00 - 05:00] A walkthrough of November’s lending update: What the readjusting of expectations is doing to home prices

[05:01 - 11:16] Understanding the current market outlook for buyers and sellers

[11:17 - 15:58] Advantageous options for buyers—paying points to get lower interest rates

[15:59 - 21:17] Why you need to find an advisor, not just an originator (Including a live question from one of our listeners)

Quotes:

“Sellers have already absorbed a lot of the affordability issues with rates going from 3 to a little over 7%... I think you’re starting to see sellers come back to a price point where their home is going to sell.” - Daniel Halverson

"The reality is the thought process of buying a home now may be negotiating better terms than you would in the future and then refinancing that loan." - Daniel Halverson

“Instead of thinking about how much lower you can get the price, let’s consider how much of a concession you can get that can be applied toward lowering the interest rate.” - Daniel Halverson

Resources Mentioned:

Episode 8: w/ Alex Stewart & Daniel Halverson
Episode 9: w/ Dan Habib
Bank of England Jacksonville or call 904-992-1000

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain accurate and digestible insights that will help you serve your clients and expand your real estate.

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From his point of view, Lt. Brian Murphy recounts the day of the Oak Creek Shooting at the Sikh temple in 2012. He was dispatched to investigate a possible active shooter situation. He describes arriving on the scene and encountering gunfire. You’ll hear the story played out step by step as he reflects on his experience and how he survived 15 shots meant to end his life through sheer resilience, willpower, and mental control. Not only that, but we get to explore the inspiring lessons he learned picking up the pieces of his life in the aftermath—and when you hear how he met one of the victims later, what she told him will make the hairs on your arms stand.

Jump into this second part of this series with Lt. Brian Murphy.

[00:01 - 10:10] Lieutenant Brian Murphy's story as he details the events that led to his altercation with the gunman (Original recording of the dispatch)

[10:11 - 26:47] What went through Lt. Murphy’s mind as he fought for his life

[26:48 - 32:07] Survival depends on your ability to control your mind

[32:08 - 43:24] Overcoming the challenges of the aftermath by reassessing what’s important for you

[43:25 - 46:34] How one of the victim’s words to Lt. Murphy will change your perspective on life forever

[46:35 - 58:24] How resilience can help you deal with adversity and overcome pain

Quotes:

“As soon as I close my eyes to get a breath in, I see my wife, Ann’s, face… and I’m like, ‘I’m not dying on a f*cking parking lot!’” - Lt. Brian Murphy

“Where your brain tells you to go, the body will follow. Not the other way around.” - Lt. Brian Murphy

“In my head was, ‘I gotta get back to the control, I gotta control me.’” - Lt. Brian Murphy

“What stands in the way becomes a way. That’s the way I look at it.” - Lt. Brian Murphy

“You’re not changing the end game. We’re all going to die. It’s how we live that separates us. What is it that you can do every day that’s going to make your life a little bit better than the day before?” - Lt. Brian Murphy

“We should never be afraid to fail… I feel bad for people who haven’t faced adversity or who have never challenged themselves cause you don’t know what you’re capable of.” - Lt. Brian Murphy

Resources Mentioned:

Legacy

Reach out on Lt. Murphy on Instagram or email bamtraining101@gmail.com.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain accurate and digestible insights that will help you serve your clients and expand your real estate.

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Today, we’re taking things in a bit of a different direction. In this episode, we hear from Lt. Brian Murphy of the Oak Creek Police Department. He will share the untold story of survival, bravery, and resilience behind the events of August 5th, 2012, when a gunman opened fire on a Sikh Temple, taking the lives of several attendees before being taken out by police. Lt. Brian was the first officer on the scene and survived several shots from the gunman. As heroic as his actions were, it’s ultimately the victims and the other people involved he lifts up. The actions of the people in and around the temple—it’s a story too few people know or understand. Understanding what happened may ultimately unlock the warrior in you.

If you’re ready for a life-altering perspective shift and inspiration, tune into the first part of the series.

[00:01 - 08:03] Lt. Brian Murphy introduces us to the scene and context behind the events at Oak Creek

[08:04 - 16:35] Understanding the narrative and signs that led the shooter to live a life of hatred and violence disguised in supremacy

[16:36 - 24:17] How the shooter prepared and desensitized himself to commit mass murder

[24:18 - 37:38] Firsthand accounts and breakdown of what happened that fateful day. (Original 911 recordings)

[37:39 - 42:36] Chardi Kala—Optimism in the face of adversity

[42:37 - 57:49] The true definition of a warrior

[57:50 - 1:08:53] The keys to human performance—how to control your thoughts in the middle of chaos

End of Part 1

Quotes:

“Every time [the shooter] pulled the trigger; he is conditioning himself… It’s called cognitive resiliency.” - Lt. Brian Murphy

“He was shooting about 300 rounds a week. I know police departments that the guys don’t shoot 50 times a year—and that’s their job. To be armed.” - Lt. Brian Murphy

“In the Sikh faith, there is something called Chardi Kala; it means having optimism in the face of adversity.” - Lt. Brian Murphy

“What’s your definition of a warrior…? The truth of the matter is everyone in that building is a warrior. Everyone on that street is a warrior.” - Lt. Brian Murphy

“I will never give up… Sometimes that battle is getting out of bed in the morning. Sometimes that battle is going to work… but you’re there anyway. You do it anyway.” - Lt. Brian Murphy

“If you’re here breathing and you’re doing what you don’t want to do, you’re still living that warrior lifestyle.” - Lt. Brian Murphy

“The true key to human performance is, more than anything, you gotta breathe. It’s your breath. The minute your breath is out of control, you’re out of control.” - Lt. Brian Murphy

“As a society, we get so wrapped up in ‘I need to be in control.’ The truth of it all is you can only control you… Whatever the event is, I can only choose my reaction to the event.” - Lt. Brian Murphy

“A buddy of mine always told me, ‘fear is false expectations appearing real.’” - Lt. Brian Murphy

“It’s all about that learning experience… At the end of life, that’s what makes you happy.” - Lt. Brian Murphy

Resources Mentioned:

Shift

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain accurate and digestible insights that will help you serve your clients and expand your real estate.

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Have you ever met someone who consistently makes 7-figures on their expertise and wondered, “man, how do they do it?” Today that someone is Dan Habib. Dan has been involved in the mortgage industry for over 18 years. He was just honored by National Mortgage Professional Magazine as one of the top 40 under-40 mortgage professionals. To add, he is a ten-year veteran technical trader and a 7-figure trader in the crypto market. He is currently EVP at Crypto Charge and MBS Highway. With such a wealth of knowledge on the industry, it’s incredible that, in this episode, we’ll get a first-hand breakdown of the crypto market. We also discuss the state of the economy, how we got here, and why.

For those who want to understand the crypto market better and how to navigate it, this is one you don’t want to miss.

[00:01 - 06:50] Dan Habib: 7-figure crypto investor & trader shares advice on the current state of the economy and the backdrop that led to it

[06:51 - 13:29] How the Fed’s decisions behind driving artificially low-interest rates led to too many dollars and not enough supply—the pain won’t last forever

[13:30 - 23:46] How Fed rate hikes could send the markets into a recession on a global scale and why the housing market will recover sooner than you think

[23:47 - 32:27] A new monetary system that works without the need for a central bank

[32:28 - 42:49] Bitcoin: How this “grandaddy” of cryptocurrency actually works

[42:50 - 47:55] Why Bitcoin works as a hedge against inflation and other unique utilities behind cryptocurrencies that provide opportunities

[47:56 - 54:37] Cryptocurrencies remain volatile, but with current activities happening in the market, returns could be on the rise

[55:38 - 1:01:57] The best time and strategies to Invest in cryptocurrencies

[1:01:57 - 1:06:04] Crypto Charge: Advice from Dan Habe on Surviving the Market Volatility

Quotes:

“My prediction on mortgage rates—I think you can get back down to 5% in the first half of next year.” - Dan Habib

“If you wait, because of the inventory picture and because builders learned their lesson; when rates come down to 5% next year like I’m predicting… it lays the groundwork down for a re-acceleration, and you may have missed your opportunity.” - Dan Habib

“[Crypto Currency] is like a new monastery system that exists without the need for a central bank; without the need for these banks to facilitate the flow of funds.” - Dan Habib

“Adoption is still in the early stages. While that means there’s more volatility, it certainly means there’s also a great opportunity before you get to critical mass adoption.” - Dan Habib

“When everyone is ultra-optimistic, that’s when you should be selling and vice-versa.” - Dan Habib

Resources Mentioned:

Coinbase (beginner-friendly)
KuCoin (advanced)

Connect with Dan on LinkedIn and YouTube. Do yourself a favor and check out https://www.cryptocharged.com/ for market analysis and sound advice to navigate the market.

For 30% off on CryptoCharge, use code: HABIB.

Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.

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We've got two buyers right now. One says, "You know what? I'm going to back up and wait until rates get a little bit lower. We'll see what happens." And then we've got buyers that think, "Let's see what prices do. I think the prices are going to fall." If you’re one of those buyers, you need to have the right tools to make an informed decision. That’s why, in this episode, we're discussing mortgage interest rates and what's driving them. What’s going on behind the scenes? The future of the economy is up to what choices the Fed makes, but will they make the right calls? The wise are preparing.

So, let’s start by taking a high-level look at what's happening with mortgage and interest rates and how to navigate the current housing market.

[00:13 - 06:31] What's driving 30-year rate mortgages? Things you should be looking at

[06:32 - 12:55] These rate hikes are by design. The Federal Reserve has a specific goal in mind

[12:56 - 19:54] The Fed has to make one of two 'bad choices’

[19:54 - 25:44] Here’s the Fed's new playbook: keep raising rates at the risk of the global economy

[25:45 - 32:43] What buyers need to know to have the right tools in the housing market

[32:44 - 37:11] The future of higher housing prices

[37:12 - 41:30] You can’t time the market. Who you work with will help you make better decisions

Quotes:

"The news is not your friends. They tell you that there’s a direct correlation between the Fed funds rate and mortgage interest rates, and then the fear enters the market." - Quinton Harris

"Until something breaks, the Fed will keep raising rates.” - Daniel Halverson

“A little bit of good news on inflation will go a long way for mortgage rates.” - Daniel Halverson

“Who you’re working with as a realtor and the lender matters. That relationship not only gives you access to certain properties, it gets you timely information and current market strategies.” - Alex

Resources Mentioned:

Episode: The News is Not Your Friend

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain accurate and digestible insights that will help you serve your clients and expand your real estate.

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Prices are rising everywhere, and Americans are feeling it. Is this all by design? Market Distillery Report's Alex Stewart joins us to discuss current employment issues and how it's impacting inflation. It might feel like the news is buzzing with all this just this year, but when you look at the numbers, we’ve been dealing with issues since late 2017! Cut through the noise as we break down this topic to make it as simple as possible. We’ll take a magnifying glass to what’s happening, how it’s affecting other markets like housing, and what business owners should do to adjust.

Dive in, arm yourself with knowledge and let’s look at the current state of unemployment.

[00:00 - 05:45] The hidden employment issues that have made inflation worse

[05:46 - 10:31] Why unemployment rates are dropping—just raising rates is not working

[10:32 - 13:04] How these current events and the rise of remote work affect the housing market

[13:05 - 20:44] Advice from one business owner to another—This won’t go away soon, be selective and train well

Quotes:

“There has been an employment issue lingering since about late 2017… What I mean is the disparity between the amount of jobs available and the people that want to work.” - Quinton Harris

“What’s going to take this away? It’s going to take the elimination of jobs, which is a very risky proposition.” - Quinton Harris

“Be very selective in who you hire. Look to FULfill the position, not just fill it.” - Quinton Harris

Resources Mentioned:

Jobless Claims Report - Oct 22, 2022
Continuing Claims Report
BLS Report

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain accurate and digestible insights that will help you serve your clients and expand your real estate business.

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It’s time for our monthly lending update brought to you by the Bank of England Mortgage! My co-host Daniel Halverson and I have some hot topics to cover: Interest rates, loan rates, sentiment in the market, and much more. Fear, doubt, and uncertainty in the market are definitely working together to put potential buyers on edge, but what’s the reality? You may be surprised to learn that things are not as bad as they seem and, in fact, there are unique opportunities you should be taking advantage of.

Dive in and find out why buyers should consider buying now vs. waiting.

[00:12 - 05:31] Monthly Lending Update: We are entering back into “normal”

[05:32 - 10:54] “Settling into higher rates.” If buyers take advantage, they’ll be in a better position in the future

[10:55 - 15:52] Buyers have more negotiating power than they've had since three or four years ago

[15:53 - 17:14] Buyers and sellers can’t control the market—stay in the present and don’t look to the past

Quotes:

"Right now, we’re in a different type of setting. We’re in a different type of normality… It’s been nothing but a rise to the top, but right now, we’re kind of settling into ‘normal.’" - Quinton Harris

“People are saying home prices are falling. Well, home prices are really not falling. There's still, not at this point, from any of the data that we see, any compelling reason to think that home prices are going to fall.” - Daniel Halverson

“Take a breath… You can’t control interest rates, you can’t control inflation, you can’t control the economy, but you CAN control your thoughts and what you prep for your business.” - Quinton Harris

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain accurate and digestible insights that will help you serve your clients and expand your real estate business.

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Quinton sits down with co-host, Alex Stewart, to discuss a couple recent Fortune articles with strong opinions about the housing market. The two discuss the facts of the market, how you can protect your mind from overly negative articles, and what is relevant to our local Jacksonville market when it comes to national headlines.

Link to article discussed: https://fortune.com/2022/08/28/odds-of-falling-home-prices-by-housing-market-as-told-by-one-interactive-map-corelogic/

Articles by Lance Lambert: https://fortune.com/author/lance-lambert/

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Let’s have some fun. Jump in and learn more about Golf’s toughest man!

To master anything, it takes immense talent, drive, and repetition. In this episode PGA Golf Pro, Tyler McCumber discusses his career as a professional golfer all the way from the collegiate level and his upcoming return after dealing with a debilitating injury. Tyler shares how golf has changed over the years and how it helped him connect with people. He recalls defining moments and stories during his career and examines the current climate of the golf world, where there is a growing polarization between people. Plus, what’s this about Tiger Woods sporting a Mohawk Mullet???

[00:01 - 08:14] Tyler McCumber on his journey to the PGA tour, his father's golfing legacy, and what he hopes to accomplish in the future

[08:15 - 15:55] Shifts in the sport and the most intimidating pairings Tyler has ever played with

[15:56 - 21:44] Huge crowds, trash-talking, Tiger Woods, and a Mohawk

[21:45 - 34:05] Golf's new competitor: LIV Tour—is it good for the game?

[34:06 - 42:43] Golf’s toughest man on returning to the course—Tyler’s mindset towards injury, rehabilitation, and recovery

Resources:

Support mental health awareness and therapy at https://www.onewaveisallittakes.com.

Find your local Bank of England branch at https://www.boemortgage.com/

What’s Your 1 More Podcast: https://www.whatisyour1more.com

“The number one goal is to get healthy and then come back. I’ve been able to work on the mental stuff, visualization, mental toughness, maybe a bit of strategizing and schedule—but apart from that, I’m just really staying in the moment and getting healthy.” - Tyler McCumber

PGAgolf #TigerWoods #GolfsToughestMan #TylerMcCumber

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Coaching takes making hard decisions, sacrifice, and world-class communication skills. Coach Matthew Driscoll is here to give us the wisdom and insight he’s gained from his 14+ years in Division I coaching. Get ready for his incredible stories and the leadership it took to build successful teams yearly. Coach Driscoll sets the scenes and masterfully brings us into every emotion behind his actions and the reason for every bead of sweat as he navigated his way through challenge after challenge to get his team on top.

If you’re ready to win in whatever field you’re in, dive right into the episode and start turning your challenges into championships.

[00:00 - 06:58] Being 1 of 363 Division One men's basketball coaches in America.

[06:59 - 14:06] Loyalty leads to success.

[14:08 - 21:32] Cast your vision, then trust your players to carry it out.

[21:33 - 29:02] How to recruit for success.

[29:03 - 44:49] The Baylor Bears players get noticed by the NCAA by playing to win instead of playing to get noticed.

[44:50 - 52:46] The value of focusing on character and relationships over talent.

[52:47 - 1:00:16] Master the “Small Victories” principle to overcome challenges.

[1:00:17 - 1:15:21] High expectations lead to consistent results.

[1:15:22 - 1:28:46] A Triumphant Return! Leading the University of North Florida to the championship despite all of the setbacks.

[1:28:47 - 1:38:04] How your vision will lead you to your miracle turning point.

[1:38:05 - 1:44:59] Coach Driscoll gives his “one more” goal. Desire to be a difference in people’s lives.

Quotes:

"When I think of coaching, I think of the wins, I think of the losses. I think of the struggle, and I think about the players." - Quinton Harris

"I think almost all successful people would say the littlest details make the biggest difference." - Coach Matthew Driscoll

“If you view it, you can do it! If you see it, you can be it! Believe it; you can achieve it!” - Coach Matthew Driscoll

“The want to has to be greater than the have to.” - Coach Matthew Driscoll

Connect with Coach Driscoll on Twitter.

Ever ask yourself, “How’s the market?” With us, you’ll never have to again! Visit https://www.themarketdistillery.com/ and gain digestible insights that will help you serve your clients and expand your real estate business.

Be sure to Leave a Review + Subscribe to the show for more value.

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Host Quinton Harris and Co-Host Alex Stewart bring their regularly monthly scheduled report to you in this episode they discuss the August 2022 Real Estate Market in Northeast Florida (Jacksonville Market).

They discuss the supply and demand, inventory of houses, rise in interest rate, and how that is impacting the market. They challenge the main stream narrative that the market is going to crash and things may not be as bad people think. Both Harris and Stewart put an emphasis on getting back to normal and why normal is different based on how long you have been in the business.

For more market information, check out The Market Distillery at www.themarketdistillery.com.

What's Your 1 More?: Recent Episodes

Quinton Harris

PGAgolf #TigerWoods #GolfsToughestMan #TylerMcCumber