Dianna Kokoska is fantastic. She brought a short session on mastering the language at sales at the Keller Williams Realty Family Reunion, February 24, 2009. The content is not about manipulation but about communication - and it is good stuff. I've ordered a book, Words that Sell, and I hope that studying it will make me more sensitive to how what I say (and how I say it) affects listeners, particularly listeners who happen to be buyers and sellers. Here are just a couple of notes from the session:
1. The future belongs to people who see possibilities before they become obvious.
2. The greatest challenge of a thinker is to state a problem in a way that will allow a solution.
3. 90% of your business is mental; 10% is skill.
4. Words affect the brain to get an outcome.
5. Programming (values) leads to Thoughts which lead to Feelings which lead to Actions which lead to Results - which lead to Reprogramming. It's circular.
6. Reticular Activating System - subconscious.
7. Self-talk. Empowered choices. What is your perspective - how does your perspective affect the people you are talking to?
8. The meaning of communication is the response you get. Remove the drama!
9. Embedded commands - one to four-word groups. They order you to do something, make sense on their own, are a call to action, create unusual patterns of language, force the unconscious mind to pay attention.
10. In an embedded command, pause BEFORE the command, bring your voice DOWN at the end of the command, increase volume of the command, pause again AFTER the command.
11. Modal operators. Logic makes us think and emotion makes us act.
Thursday, February 26, 2009
Staging
Staging - putting a house's best foot forward so a seller can sell in a short time and for more money. These notes come from a panel discussion on February 24, 2009 at the Keller Williams Family Reunion in Orlando, Fl.
1. Why stage? Sometimes staging makes the difference in selling a house or not selling it - and in a buyer's market, where competition among sellers is fierce, a seller needs to make their home stand out.
2. How extensive? Fresh paint and good carpet make a difference. Even bank-owned homes are being rehabbed to be competitive not only with each other but with "regular" listings, and bank-owned houses are selling.
3. Just paint and carpet? No. Clean counts. Furniture arrangement counts. Smell counts.
4. Start with curb appeal. Look at the house from the street, just as a prospective buyer would. Would they even stop to look? Make it crisp and clean. Bring patches of color. Dense flowers. Does the front door look new? Where does the buyer focus?
5. Stuff. Inside and outside, is there too much stuff cluttering up the property? Make it go away, if not permanently, by storage.
6. Photos. There is nothing wrong with photos, but too many is a bad thing in that it distracts the buyer from what they are there to do - decide whether this is the home for them. The idea is for the buyer to identify with the house. Can they do that through your family photographs, your diplomas, your collectibles? Not likely.
7. Furniture. Less is more. It is not unusual for scale to be "off." If the furniture is too big for the room, make some of it disappear.
8. Education. There is a 16 minute DVD on staging that may be worth watching: "Staging Your Home for Success." For more info, give me a call: 623.640.1219.
1. Why stage? Sometimes staging makes the difference in selling a house or not selling it - and in a buyer's market, where competition among sellers is fierce, a seller needs to make their home stand out.
2. How extensive? Fresh paint and good carpet make a difference. Even bank-owned homes are being rehabbed to be competitive not only with each other but with "regular" listings, and bank-owned houses are selling.
3. Just paint and carpet? No. Clean counts. Furniture arrangement counts. Smell counts.
4. Start with curb appeal. Look at the house from the street, just as a prospective buyer would. Would they even stop to look? Make it crisp and clean. Bring patches of color. Dense flowers. Does the front door look new? Where does the buyer focus?
5. Stuff. Inside and outside, is there too much stuff cluttering up the property? Make it go away, if not permanently, by storage.
6. Photos. There is nothing wrong with photos, but too many is a bad thing in that it distracts the buyer from what they are there to do - decide whether this is the home for them. The idea is for the buyer to identify with the house. Can they do that through your family photographs, your diplomas, your collectibles? Not likely.
7. Furniture. Less is more. It is not unusual for scale to be "off." If the furniture is too big for the room, make some of it disappear.
8. Education. There is a 16 minute DVD on staging that may be worth watching: "Staging Your Home for Success." For more info, give me a call: 623.640.1219.
Creating Buyer Urgency
These are notes from a session at Keller Williams Family Reunion on February 24, 2009. The subject is buyer urgency in a buyer's market - where the number of properties for sale exceeds the number of buyers ready to buy.
1. There is a story at TaleofTwoMarkets.com that might be worth looking at when talking to buyers about the reality of a buyer's market. The fact is that - at least in today's market - there really are two separate markets. In one of them, 80% of the homes are overpriced. This is a sad state of affairs for sellers, finding themselves competing with distressed sales. But what it means is that there is demand for the 20% that are priced UNDER market.
2. Holding open house is a good way to meet buyers who are looking - though not every looker is a buyer. Inviting neighbors - by mailer or door knocking - is a good way to lead to a potential buyer. But a house that is priced under market will likely sell so fast that there won't be time to hold an open house.
3. In a buyer's market, first-time buyers may benefit from a seminar geared just for them. If you know - or are - a first-time buyer and are interested, give me a call and I'll set something up. 623.640.1219.
4. In a buyer consultation, the agent and the buyer need to explore what a "deal" looks like. It may not be the same to the buyer as to the agent - so get on the same page.
5. You can't blame a buyer for waiting for house prices to drop - but it is NOT FAIR to the buyer not to challenge that way of thinking. The fact is that nobody knows where house prices are going, or what houses will be on the market or what their condition will be. The person who can predict the b ottom is either a psychic or a liar. What we do know is that interest rates are the lowest they've been in 35 years - and a one point adjustment equals thousands of dollars in home price. If a buyer plans on being in the house for several years, buy now.
6. Buyer's remorse is normal - it is abnormal not to have second thoughts about one of the biggest purchases of your life. The trick is to keep your eyes on the prize. What motivates you to buy. How bad will you feel if somebody else buys "your" house?
1. There is a story at TaleofTwoMarkets.com that might be worth looking at when talking to buyers about the reality of a buyer's market. The fact is that - at least in today's market - there really are two separate markets. In one of them, 80% of the homes are overpriced. This is a sad state of affairs for sellers, finding themselves competing with distressed sales. But what it means is that there is demand for the 20% that are priced UNDER market.
2. Holding open house is a good way to meet buyers who are looking - though not every looker is a buyer. Inviting neighbors - by mailer or door knocking - is a good way to lead to a potential buyer. But a house that is priced under market will likely sell so fast that there won't be time to hold an open house.
3. In a buyer's market, first-time buyers may benefit from a seminar geared just for them. If you know - or are - a first-time buyer and are interested, give me a call and I'll set something up. 623.640.1219.
4. In a buyer consultation, the agent and the buyer need to explore what a "deal" looks like. It may not be the same to the buyer as to the agent - so get on the same page.
5. You can't blame a buyer for waiting for house prices to drop - but it is NOT FAIR to the buyer not to challenge that way of thinking. The fact is that nobody knows where house prices are going, or what houses will be on the market or what their condition will be. The person who can predict the b ottom is either a psychic or a liar. What we do know is that interest rates are the lowest they've been in 35 years - and a one point adjustment equals thousands of dollars in home price. If a buyer plans on being in the house for several years, buy now.
6. Buyer's remorse is normal - it is abnormal not to have second thoughts about one of the biggest purchases of your life. The trick is to keep your eyes on the prize. What motivates you to buy. How bad will you feel if somebody else buys "your" house?
Seven Truths to Pave the Way to Success
Every now and then you have the opportunity to hear some really good thinking from somebody who knows what they are talking about and are willing to share. These notes come from an hour of listening to Gary Keller at the Keller Williams Family Reunion in Florida - February 25, 2009. His topic was being smart about money - but these truths go deeper than the pocketbook. Enjoy.
1. I am my own advocate. I am not entitled to have somebody take care of me, and I cannot depend on somebody to take care of me. It is my job to do whatever it is that needs doing to bring about a good result.
2. I do NOT need to understand everything. It is okay that I am not a genius. If I find a model that works, I don't need to analyze it, and I don't need to like it, but I DO need to follow it! Suspend your need to understand. Sometimes we are better off not thinking - okay, at least we're better off not thinking too much. Find someone who has what you want and follow what they do.
3. There is nothing virtuous about putting in long hours. Intensity is of more value than the amount of time you bring to the task. Bring the heat!
4. Multi-tasking does NOT work for humans. People are not computers. It is impossible for people to do two important things at once. And it is just plain smart to do one thing at a time and do it well.
5. I am not self-made. Nobody succeeds alone. It takes a team to make me better than I am. Listen. Learn. Be better. You only need to control the relationships that are three feet around you.
6. Not everything matters equally. Prioritize. You will never get everything done. So get the RIGHT THING done.
7. You can fail your way to success. Plans need to be corrected. It takes only a little energy to solve a little problem. Solving big problems creates BIG energy that propels you forward. Never give up. It would be a shame to quit on the brink of success.
1. I am my own advocate. I am not entitled to have somebody take care of me, and I cannot depend on somebody to take care of me. It is my job to do whatever it is that needs doing to bring about a good result.
2. I do NOT need to understand everything. It is okay that I am not a genius. If I find a model that works, I don't need to analyze it, and I don't need to like it, but I DO need to follow it! Suspend your need to understand. Sometimes we are better off not thinking - okay, at least we're better off not thinking too much. Find someone who has what you want and follow what they do.
3. There is nothing virtuous about putting in long hours. Intensity is of more value than the amount of time you bring to the task. Bring the heat!
4. Multi-tasking does NOT work for humans. People are not computers. It is impossible for people to do two important things at once. And it is just plain smart to do one thing at a time and do it well.
5. I am not self-made. Nobody succeeds alone. It takes a team to make me better than I am. Listen. Learn. Be better. You only need to control the relationships that are three feet around you.
6. Not everything matters equally. Prioritize. You will never get everything done. So get the RIGHT THING done.
7. You can fail your way to success. Plans need to be corrected. It takes only a little energy to solve a little problem. Solving big problems creates BIG energy that propels you forward. Never give up. It would be a shame to quit on the brink of success.
Wednesday, October 29, 2008
Naturopathic Eating Plan
Bonnie’s Eating Plan
Developed by Jo Turner, NMD
17224 N 43rd Av
Glendale, AZ 85308
602.938.5747
Guidelines:
· No wheat, dairy, refined sugar, white potatoes or corn
· Use real butter
· Use Stevia for sweetening – not Nutrasweet, Splenda or pink packets
· Use olive oil and apple cider vinegar with herbs a salad dressing – as much as desired
· Use Celtic salt or sea salt as table salt
· Choose organic when possible
· Use olive oil for light sautéing and coconut oil for higher heat (frying)
· Eat more vegetables than fruit daily
· Have two to four protein drinks daily
· Drink coffee, tea – one soda a day is okay
· Drink six to eight glasses of water a day. (Rule of thumb: ½ your weight is the number of oz of water you need a day. If you weight 130, you need 65 oz of water daily.
· Fiber – use Psyllium capules or Metamucil
· Take a multi-vitamin plus 2000 mg of Omega 3 Fish oils daily
· Caution: don’t take vitamins or medicines at the same time as your fiber!
For Women:
1 protein and 1 carbohydrate for Breakfast
1 protein and 2 carbs for Lunch
2 proteins and 1 carb for Supper
For Men:
1.5 protein and 1 carb for Breakfast
1.5 protein and 2 carbs for Lunch
2 proteins and 1.5 carbs for Supper
Protein – 1 serving equals one from the following list:
· Cooked meat – palm size and about 1 inch thick
· Two medium eggs (not fried) from free-range, bug-eating chickens
· One slice of real cheese
· Two or three slices of deli meat (avoid nitrates and nitrites)
· Two slices of Canadian bacon
· Half cup cottage cheese
· Two strips of turkey bacon
· One good size turkey sausage patty
· One chicken breast or equivalent for turkey
· Fish – palm size and about 1 inch thick (Wild Salmon and Cod are best choices – no farm-raised fish)
Carbohydrates – 1 serving equals one from the following list:
· One cup vegetable – raw or cooked (the more color, the better the nutrition)
· Half cup carrots – raw or cooked
· Half a medium sized sweet potato or a really small one
· 6 oz vegetable juice
· Half an avocado
· Half cup oatmeal uncooked – then cook it (use steel cut oats, not instant)
· Six spears of asparagus
· One to 1-1/2 cup watermelon
· One cup honeydew melon
· Half a banana
· Half cup grapes
· Half cup sliced strawberries
· Half cub blueberries or blackberries
· Half an apple
· Half an orange
Developed by Jo Turner, NMD
17224 N 43rd Av
Glendale, AZ 85308
602.938.5747
Guidelines:
· No wheat, dairy, refined sugar, white potatoes or corn
· Use real butter
· Use Stevia for sweetening – not Nutrasweet, Splenda or pink packets
· Use olive oil and apple cider vinegar with herbs a salad dressing – as much as desired
· Use Celtic salt or sea salt as table salt
· Choose organic when possible
· Use olive oil for light sautéing and coconut oil for higher heat (frying)
· Eat more vegetables than fruit daily
· Have two to four protein drinks daily
· Drink coffee, tea – one soda a day is okay
· Drink six to eight glasses of water a day. (Rule of thumb: ½ your weight is the number of oz of water you need a day. If you weight 130, you need 65 oz of water daily.
· Fiber – use Psyllium capules or Metamucil
· Take a multi-vitamin plus 2000 mg of Omega 3 Fish oils daily
· Caution: don’t take vitamins or medicines at the same time as your fiber!
For Women:
1 protein and 1 carbohydrate for Breakfast
1 protein and 2 carbs for Lunch
2 proteins and 1 carb for Supper
For Men:
1.5 protein and 1 carb for Breakfast
1.5 protein and 2 carbs for Lunch
2 proteins and 1.5 carbs for Supper
Protein – 1 serving equals one from the following list:
· Cooked meat – palm size and about 1 inch thick
· Two medium eggs (not fried) from free-range, bug-eating chickens
· One slice of real cheese
· Two or three slices of deli meat (avoid nitrates and nitrites)
· Two slices of Canadian bacon
· Half cup cottage cheese
· Two strips of turkey bacon
· One good size turkey sausage patty
· One chicken breast or equivalent for turkey
· Fish – palm size and about 1 inch thick (Wild Salmon and Cod are best choices – no farm-raised fish)
Carbohydrates – 1 serving equals one from the following list:
· One cup vegetable – raw or cooked (the more color, the better the nutrition)
· Half cup carrots – raw or cooked
· Half a medium sized sweet potato or a really small one
· 6 oz vegetable juice
· Half an avocado
· Half cup oatmeal uncooked – then cook it (use steel cut oats, not instant)
· Six spears of asparagus
· One to 1-1/2 cup watermelon
· One cup honeydew melon
· Half a banana
· Half cup grapes
· Half cup sliced strawberries
· Half cub blueberries or blackberries
· Half an apple
· Half an orange
Your Down Payment Affects Everything
Your Down Payment Affects Everything (courtesy Jason Servais, Countrywide Home Loans, (602) 410-2118.
Your First Step Toward Buying a Home. When preparing to buy a home, the first thing many homebuyers do is look at "homes for sale" ads in newspapers, magazines and listings on the internet. Some potential buyers read "how-to" articles like this one. The next thing you should do – before you call on an ad, before you talk to a Realtor, before you shop for interest rates – is look at your savings.
Why? Because determining how much money you have available for down payment and closing costs affects almost every aspect of buying a home – including how you write your purchase offer, the loan programs you qualify for, and shopping for interest rates.
Mortgage Programs. If you only have enough available for a minimum down payment, your choices of loan program will be limited to only a few types of mortgages. If someone is giving you a gift for all or part of the down payment, your options are also limited. If you have enough for the down payment, but need the lender or seller to cover all or part of your closing costs, this further limits your options. If you borrow all or a portion of the down payment from your 401K or retirement plan, different loan programs have different rules on how you qualify. Of course, if you have enough for a large down payment, then you have lots of choices. Your loan choices include such varied programs as conventional fixed rate loans, adjustable rate mortgages, buydowns, VA, FHA, graduated payment mortgages and all the varieties of each.
Shopping Rates. A very important reason you need to have at least some idea of your down payment is for shopping interest rates. Some loan programs charge a slightly higher interest rate for minimal down payments. Plus, the interest rates for different loan programs are not the same. For example, conventional, VA, and FHA all offer fixed rate loans. However, the rates vary from one program to another.
If you shop lenders by phone, the loan officer will be able to tell which programs fit and quote you rates accordingly. However, if you are shopping on the internet, you have to have some idea of your loan program on your own.
Writing Your Offer. Another reason you need to have a clue about your down payment is because it affects how you write your offer to purchase a home. Not only are you required to put your down payment information in the offer, but different loan programs have different rules which also affect how you write your offer. This is especially important when dealing with FHA and VA loans.
If you are asking the seller to pay all or part of your closing costs, you have to be certain your loan program allows what you are asking. For smaller down payments, lenders allow the seller to pay less closing costs than for larger down payments. Some loan programs will allow a seller to pay certain types of costs, but not others.
Finally, your down payment also affects your ability to qualify for a loan. When you make a small down payment, lenders are fairly strict about having you conform to their underwriting guidelines. For larger down payments, they will tend to make allowances or exceptions to the rules.
Conclusion. As you can see, the down payment affects every choice you make when you buy a home. Although you should look at ads, familiarize yourself with neighborhoods, learn about prices, and read as much as you can - when you get ready to take action – the first thing you should do is figure out how much money you have available for the purchase.
copyright 2000 by Terry Light and RealEstate ABC, modified 2002
Your First Step Toward Buying a Home. When preparing to buy a home, the first thing many homebuyers do is look at "homes for sale" ads in newspapers, magazines and listings on the internet. Some potential buyers read "how-to" articles like this one. The next thing you should do – before you call on an ad, before you talk to a Realtor, before you shop for interest rates – is look at your savings.
Why? Because determining how much money you have available for down payment and closing costs affects almost every aspect of buying a home – including how you write your purchase offer, the loan programs you qualify for, and shopping for interest rates.
Mortgage Programs. If you only have enough available for a minimum down payment, your choices of loan program will be limited to only a few types of mortgages. If someone is giving you a gift for all or part of the down payment, your options are also limited. If you have enough for the down payment, but need the lender or seller to cover all or part of your closing costs, this further limits your options. If you borrow all or a portion of the down payment from your 401K or retirement plan, different loan programs have different rules on how you qualify. Of course, if you have enough for a large down payment, then you have lots of choices. Your loan choices include such varied programs as conventional fixed rate loans, adjustable rate mortgages, buydowns, VA, FHA, graduated payment mortgages and all the varieties of each.
Shopping Rates. A very important reason you need to have at least some idea of your down payment is for shopping interest rates. Some loan programs charge a slightly higher interest rate for minimal down payments. Plus, the interest rates for different loan programs are not the same. For example, conventional, VA, and FHA all offer fixed rate loans. However, the rates vary from one program to another.
If you shop lenders by phone, the loan officer will be able to tell which programs fit and quote you rates accordingly. However, if you are shopping on the internet, you have to have some idea of your loan program on your own.
Writing Your Offer. Another reason you need to have a clue about your down payment is because it affects how you write your offer to purchase a home. Not only are you required to put your down payment information in the offer, but different loan programs have different rules which also affect how you write your offer. This is especially important when dealing with FHA and VA loans.
If you are asking the seller to pay all or part of your closing costs, you have to be certain your loan program allows what you are asking. For smaller down payments, lenders allow the seller to pay less closing costs than for larger down payments. Some loan programs will allow a seller to pay certain types of costs, but not others.
Finally, your down payment also affects your ability to qualify for a loan. When you make a small down payment, lenders are fairly strict about having you conform to their underwriting guidelines. For larger down payments, they will tend to make allowances or exceptions to the rules.
Conclusion. As you can see, the down payment affects every choice you make when you buy a home. Although you should look at ads, familiarize yourself with neighborhoods, learn about prices, and read as much as you can - when you get ready to take action – the first thing you should do is figure out how much money you have available for the purchase.
copyright 2000 by Terry Light and RealEstate ABC, modified 2002
Monday, September 29, 2008
Mental Health, a Biblical Recipe
Philippians 4:6-9 (New International Version)
6Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God. 7And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.
8Finally, brothers, whatever is true, whatever is noble, whatever is right, whatever is pure, whatever is lovely, whatever is admirable—if anything is excellent or praiseworthy—think about such things. 9Whatever you have learned or received or heard from me, or seen in me—put it into practice. And the God of peace will be with you.
The Biblical recipe for mental health: 1) pray; 2) think; 3) do.
6Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God. 7And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.
8Finally, brothers, whatever is true, whatever is noble, whatever is right, whatever is pure, whatever is lovely, whatever is admirable—if anything is excellent or praiseworthy—think about such things. 9Whatever you have learned or received or heard from me, or seen in me—put it into practice. And the God of peace will be with you.
The Biblical recipe for mental health: 1) pray; 2) think; 3) do.
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