Henry Ford said “Most people spend more time and energy going around problems than in trying to solve them.” In other words we can expend more energy talking, complaining and getting worked up about the problem than solving it.
Continue readingThe Tyranny of the Urgent
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It’s Not a Question of Time but Priorities
You have your day planned: Meetings, phone calls, emails, client appointments…then it hits us. Something urgent requires our immediate attention or does it? The phrase “Tyranny of the Urgent” was coined in 1967 by Charles E. Hummel in his short publication. Hummel opens with the question “Have you ever wished for a thirty-hour day?” Perhaps those of us , or should I say most of us would answer yes! But even if possible would a longer day really solve our problem? Most likely not. The issue is so not one of time but priorities. That is where we choose to invest our time. Such a dilemma leads to stress, self doubt and possibly health problems. Why were we never taught this in school? Hummel was inspired by the words of a cotton mill manager who said…
Blind Spots
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Three Fallacies to be Avoided
Blind Spots, or better yet Biases. We all have them. It’s our brain’s ways of taking shortcuts in decision making. A hard wired yet often flawed response. Some may be good as they clarify and reinforce our beliefs and philosophy while others can be destructive. To improve our efficiency and position ourselves for increased success let’s look at three blind spots we should be aware of and avoid. Economically one of our most common blind spots or fallacies is the Sunk Cost Fallacy. Here’s an example…
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Behavior vs. Outcome
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Looking Beyond Achieving Our Goals
For the most part reverse mortgage professionals are business people. That is we form a strategic business or marketing plan to reach an expected outcome. But are we putting the cart before the horse? Let’s step back and take a look first at self efficacy. This is the extent of one’s belief in their own abilities to complete tasks and reach goals. In other words one’s beliefs shape their daily behaviors and actions both personally and professionally. Most of our internal beliefs are shaped by experience and observation. But is focusing on our internal beliefs enough tor really affect the outcomes we want in life? Perhaps not. One of the most common mistakes people make is to fixate on the goal or expected outcome while ignoring their underlying behaviors…in other words our habits.
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Get More from Your Day
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The Art of Reducing & Managing Distractions
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Feel run down? Tired? Like life is a cluttered mess? As the demands of our professional life increase as a reverse mortgage professional we need to strip away the distractions that sabotage our day. Here are a few ways we can do our best by removing distractions. #1- Get rid of bad habits. What habits? Perhaps staying up way to late, sleeping in late, watching too much TV. Look at both how you treat your body and what information you put in your mind. #2- Hit the stop button. Your phone is blowing up and emails flood your inbox but you have a project to complete or a loan file to finalize…
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Looking for more reverse mortgage tools, training & technology? Visit www.ReverseFocus.com today.
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The Law of Reciprocity
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The Powerful Yet Unspoken Rule for Human Interaction
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Reciprocity. The unspoken rule that we should repay in kind what another person has done for us. It’s one of our most powerful tools in sales or influencing others. Does it work? Here’s one example. A university professor tested the principle sending Christmas cards to perfect strangers. He was amazed as he received numerous holiday cards from these perfect strangers who never asked how they knew him. They received his card and felt obligated to respond in kind…
The Psychology of Influence by Robert Cialdini
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Question Everything
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Think Critically, Think BIG
In any profession, continued endeavor or activity we can fall prey to complacency which I would personally define as a false sense of contentment when we can do so much better. In essence selling ourselves short. This is not to disregard that one should recall and account for their successes. But more to the point. How can we as reverse mortgage professionals break complacency and embrace the motto ‘question everything’? Well here are a few points to ponder.
#1- The adjustable rate product often a better choice? The previous popularity of the fixed rate mortgage may lurk in the minds of many but truthfully which is a better product for the consumer? Should one forgoe a lower loan balance, a growing line of credit or future tenure payments all in the fear of increasing interest rates? After all if interest rates increase the borrower sees no change except that their loan balance will grow more quickly.
#2- Ditch Your Canned Speech. Certainly their are some elements of our presentation we should retain when speaking with loan officers reviving transactions or receiving….
New Year’s Resolution Killers
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Pitfalls to avoid in 2014
It’s a word many dislike due to our culture’s abuse of the word. The word resolution comes from the same root as resolve. The American dictionary defines resolve as to ‘decide firmly on a course of action’. If our resolutions for 2014 are truly our committed course of action then here are some things we should avoid to insure we meet our goals and more importantly our internal promise to ourselves.
#1- You don’t really want to achieve it. Make sure your resolutions only include those things you truly desire to come to pass. If it is a goal you think you should reach because others are then you are doomed to fail unless you are personally committed and desire it yourself.
#2 Too vague.
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For more reverse mortgage news, technology & training visit www.ReverseFocus.com
Keys to a Happier 2014
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Practical Ways to Increase Happiness in the New Year
A happier 2014. Happiness. That is our wish for you in the coming year. While we cannot control every event that comes our way we can take some practical steps. As we wrap up 2013 here are a few things we can do to have a happier year.
1- Avoid retail therapy. Feeling resetless, unhappy? Shopping is not the answer. New bobbles and gadgets only briefly distract from what is bothering us. Instant gratification is only a temporary fix.
2- Work out more. The more we work out the more endorphins we generate which are natural chemicals leading to feelings of well being and enthusiasm for the rest of the day’s activities.
3- Spiritual foundation. If you have spiritual or religious beliefs don’t neglect them. Remind yourself of what is important. Your guiding principles, outlook and mission in life. Gathering with those who believe like you gives you a sense of belonging and encouragement knowing you are not alone in this life.
4- Volunteer. One wise man told me “want to foget your problems? Work on someone elses”. Getting our focus of ourselves allows us to assist those around us who often have it much worse than we do. A soup kitchen, community cleanup or mentoring children are all great ways to pay it forward and bring some perspective.
5- Embrace friendship. Make the time to spend with friends. Focus your time on laughter and shared interests avoiding negative talk and gossip. Let yourself be fully in the moment and snap a few pictures for keepsakes while you’re at it.
6-Eat better. The most powerful mood altering drug we put in our bodies is food. Be mindful of what types of food make you slump or power you up for the day. Lean proteins and veggies should be a part of each meal.
7- Turn off the television. Break out a book or play a game with your loved ones. If you fast from TV for a few days you may be surprised with the ample amount of time you have to enjoy what’s important, work on projects or reconnect with those who matter most.
8- Find the positive. Despite news or recent developments in our industry be cautious against over-reacting. Look for the silver lining in each situation while planning realistically. 2014 is just around the corner. How we approach it is in your hands. Have a great weekend and thank you from each of us here at Reverse Focus for your continued support. Happy New Year!
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For more reverse mortgage news, technology & training visit www.ReverseFocus.com
What Have We Learned from 2013?
Beyond the top reverse mortgage stories for this year there are some greater lessons to be gleaned from what is sure to be noted as a watershed year for the Home Equity Conversion Mortgage program. Here are a few take aways for us to consider…
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