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How Genius Leadership Creates a Joyful & Profitable Culture

How Genius Leadership Creates a Joyful & Profitable Culture

Read time 3 minutes.

Required ingredients: courage, vision, integrity.

Roadblocks to genius leadership: Psychosclerosis — hardening of the mind that degenerates into spirit-numbing “same-old-same-old.”

Step #1 — Get Clear on the Values (this is what’s important to us).

Communicate those values.

Senior management models those values.

Zappos is a model to follow. They create a “Culture Book” in which employees explain what the Zappos’ culture means to them.

Step #2: Articulate the Vision (this is where we want to go) for the company.

Zappos’ vision: making sure every interaction with the customer results in them saying, “That was the best customer service I have ever had.”

Step #3: Make sure everyone understands and enacts the mission.(this is what we have to do to get there)

Zappos” mission: to offer “best service in the industry.”

Step #3: Develop people’s competencies and motivation that will deliver the mission.

Zappos’ corporate employees, regardless of position, participate in a 4-week customer experience training program, at full salary. After the first week of training, the new hires are offered $2,000 to leave the company, no questions asked. Zappos wants people to be there for the love of the job and not the money. About 97% say, “no thank you.”

Genius leadership asks, and finds answers to the following:

* Is this a compelling place to work?

* Are you bought-in to what we are doing here?

* Does every person in management exhibit behaviours consistent with the company’s stated core values?

* Would you want your child to work here?

* Are your aware of, and have you been asked to contribute to significant changes in the company?

* We would like you to enjoy working here. And we want you to also look forward to your time off. What do we do that gets in the way of letting go of your job stresses and enjoying your personal life?

Eradicating the world of spirit-killing, unhealthy workplaces is a noble, profitable cause for companies to take on — even in this Great Disruption.

Depression is the fastest growing mental health issue in the world. Most companies are, I think, in denial about how much that is eroding their employees’ joy and the company’s profits.

It doesn’t take a genius to figure that one out.

It requires a business leadership group that has the courage, the integrity, the vision to dare to be different in order to be great – like Zappos, Southwest Airlines, and Westjet.…

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How Do Hard Money Lenders Make Money?

How Do Hard Money Lenders Make Money?

So called “Hard Money Lenders” are what are also referred to as predatory lenders. This means they make loans based on the premise that the terms to the borrower have to be such that they will gladly foreclose if necessary. Conventional lenders (banks) do everything they can do to avoid taking back a property in foreclosure so they are the true opposite of hard money lenders.

In the good of days prior to 2000, hard money lenders pretty much loaned on the after Repaired value (ARV) of a property and the percentage they loaned was 60% to 65%. In some cases this percentage was as high as 75% in active (hot) markets. There wasn’t a great deal of risk as the real estate market was booming and money was easy to borrow from banks to finance end-buyers.

When the easy times slowed and then stopped, the hard money lenders got caught in a vice of rapidly declining home values and investors who borrowed the money but had no equity (money) of their own in the deal.

These rehabbing investors simply walked away from the properties and left the hard money lenders holding the properties that were upside down in value and declining every day. Many hard money lenders lost everything they had as well as their clients who loaned them the money they re-loaned.

Since then the lenders have drastically changed their lending standards. They no longer look at ARV but loan on the purchase price of the property which they have to approve. The investor-borrower must have an acceptable credit score and put some money in the deal – usually 5% to 20% depending on the property’s purchase price and the lender’s feeling that day.

However, when all is said and done, hard money lenders continue to make their profits on these loans from the same areas:

Interest on the loans which can be from 12% to 20% depending on competitive market conditions between local hard money lenders and what state law will allow.

Closing points are the main source of income on short-term loans and range from 2 to 10 points. A “point” is equal to one percent of the amount borrowed; i.e. if $100,000 is borrowed with two points, the charge for the points will be $2,000. Again, the amount of points charged depends on the amount of money borrowed, the time it will be loaned out and the risk to the lender (investor’s experience).

Hard money lenders also charge various fees for almost anything including property inspection, document preparation, legal review, and other items. These fees are pure profit and should be counted as points but are not because the combination of the points and interest charged the investor can exceed state usury laws.

These lenders still look at every deal as if they will have to foreclose the loan out and take the property back – they are and always will be predatory lenders. I would guess that 5% to 10% of all hard money loans are foreclosed out or taken back with a deed in lieu of foreclosure.

So except for the stricter requirements of hard money lenders, there have been no fundamental changes as to how hard money lenders make their profits – points, interest, fees and taking properties back and reselling them.

Hard money lenders also look at the investor’s ability to repay the loan each month or to make the required interest only payments. If you go to borrow hard money, expect to need some of your own money and have some in reserve so you can carry the loan until the property is sold.…

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Making Money Online Shouldn’t Be Hard

Making Money Online Shouldn’t Be Hard

Why is it so hard to get started making money in the online world? There are so many ways to lose money while trying to learn these days. It is still possible to make money online, but it takes some money to do it, and it takes time. It really shouldn’t be so hard to make money online. The biggest thing it takes is patience. Don’t fall for the over night success stories out there. They are only trying to sell you something to help them succeed. If you put in the work you will get the traffic you need to make the sales online. Stick with it, write your daily articles, write your daily blogs, keep keywords in mind in everything you write, and the SEO and backlinks will eventually bring the traffic.

When a beginner starts out they are given a lot of false promises. Many times they are told “you will make money in 24 hours”. Then they are given a money back guarantee. When I see that, it is a “no brainer”. I think, “If I don’t make money in 24 hours, I’ll just get my money back. Then they are told, there will be no up sell, this is all you have to do, buy their product, follow their instructions, and then money will pour in. They show you this, on their screen. After you buy their product, they say, but wait, if you want more money, buy this more expensive product. If you don’t buy it they make you feel as if you won’t make the money in 24 hours unless you buy the more expensive product. They tell you will still make money, just not as much and not as fast. Once you get the product, you try it and find that they are right. You might make money, but it wont be in 24 hours, and it wont be much. It makes me think one of two things, either I made a mistake not buying the more expensive product, or I made a mistake buying this at all.

Now, don’t get me wrong, there are honest guys out there that will help the beginner. But there are a whole lot more guys out there just trying to make another dollar off the newbies. Much of what is taught after the money is paid, can be found in many free places. There are blogs, and training sites out there. I know of at least one that offers free video training. They also have things for sale to help you, but they offer the teaching up for free front. I like that, it builds trust. If you want to make a sale, work on getting the traffic. If you want to keep making sales, you need to be a site that people trust. I don’t just go to Kroger because they have the best price, they don’t all of the time. I go because I know the quality of product is good. I go because I know where to find everything. I go because the people are friendly. And now, I go because they recognize me. You want return customers, then recognize them, through emails, or free things that make them want to come to your site.

So as I have said, making money online shouldn’t be hard. It only is because the sharks out there make it look as if you should be making thousands over night, when the reality is the thousands come when you have the established traffic, the quality product to sell, the return customers, and an honest respected history.…

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News About #Income On Twitter

There are 158 low revenue housing residence complexes which comprise 14,040 reasonably priced residences for hire in Phoenix, Arizona. The conference heard that pilots performed in rural villages within the state of Madhya Pradesh revealed the availability of UBI led to no elevated spending on alcohol or different temptation goods” – a standard argument against the policy. To view the FY 2016 State 30%, 50% and 80% Income Limits (primarily based on median household incomes without adjustments made to HUD Earnings Limits), please click here.

Garbine Muguruza of Spain celebrates victory with the trophy after the Girls Singles final in opposition to Venus Williams of The United States on day twelve of the Wimbledon Garden Tennis Championships on the All England Lawn Tennis and Croquet Club at Wimbledon.

The median gross revenue for households in Phoenix is $forty six,881 a 12 months, or $3,907 a month. American Earnings Life Insurance coverage Firm seeks a choose group of leaders, entrepreneurs, and excessive achievers desperate to jumpstart their sales profession with a quick-paced, secure, and internationally rising company.

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A new report that highlights modifications in annual family earnings by selected demographic characteristics of the householder. Meanwhile Rufus had succeeded in making an association which promised to add to his weekly income. Earned Revenue is wages, internet earnings from self-employment, sure royalties, honoraria, and sheltered workshop payments.…

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Gold Mining: Private Money Lenders for Real Estate

Gold Mining: Private Money Lenders for Real Estate

The real estate market is a gold mine that might seem like its precious mineral veins are depleted, but if you know where to find private money lenders you’ll see that all you need to do to strike it “rich” is to know where to dig. If you want in on the biggest stake of your life, you’ll want to ask the right people.

Mine Owners: Real Estate Agents

The real estate agent is more than just a great source for properties on the market; they are also the best resource for finding private money lenders for real estate. On a daily basis they do business with buyers and sellers, many of which get their funding through lenders and banks. Yes, borrowing money from the bank is risky during these economic times, so consider seeking the gold mining genius of private money lenders by asking your local real estate agent for a few phone numbers.

Mine Overseers: Investment Professionals

Sure, some might think that the first place to go for information on private money lenders for real estate would be those who make a living through investing, but you need to realize that investment professionals are usually looking to make a little extra money through affiliate programs. They point you in the direction of the lender they use, and they get money off their balance or a lower interest rate. Gold mining (real estate investing) is a cutthroat business- so make sure to wear your hardhat and a have your pickax in hand.

Miners: Investor Search Programs

Private money lenders are all over the internet. You can check your local MLS listing without being smacked in the face by some flashy ad or another, but you need to learn how to dig through the dirt and debris to get to the gold buried beneath. Investor search programs allow you to enter your information and create search perimeters. If you want lender that is specific to your area, you can search for that. If you want private money lenders that lend to commercial property buyers, you can search for that. Finding the private money lender you need for your specific needs or circumstances should have to be like digging blindly in a deep dark hole.

The real estate market can be a gold mine for people willing to take the risk of a total cave in. The labor will be back breaking, the light at the end of the tunnel might be dingy, and the payout may seem like gravel instead of nuggets, but if you know where to dig and keep digging, you’ll have the big payout in the end when you find that ore deposit that will allow you to live in comfort for years.…

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There Are 3 Things To Understand About Investing If You Need To Make Money In

Enterprise Insider is full-color publication, distributed 3 times per year. Blodget’s voice rises: What the Web has completed is made a million sources of information out there. In reality, a neighborhood musician has even made a song evaluating the compatibility of a pair of lovers to that of these two food items. The Dewan Rakyat was told on Thursday that a total of 22,234 circumstances of sexual abuse towards minors below 18 years previous have been reported in the interval between 2010 and Could 2017.

Durch die Nutzung dieser Website zeigen Sie an, dass Sie unsere Nutzungsbedingungen sowie die Datenschutzerklärung akzeptieren und mit deren Einhaltung einverstanden sind. Its residents voted in November to legalize the possession of up to an ounce of marijuana for leisure use.

Analysis the various departments inside the company and see the place there may be opportunity to department out. Jawbone, the company that made fitness trackers and Bluetooth speakers, is liquidating its property, according to a supply aware of its plans, marking the most recent casualty within the once-promising wearable machine market.

Since Facebook eliminated the power to check your Fb messages in your telephone with out the Messenger app, it is a secure bet that you already have this downloaded. Dr. Daniel Amen, writer of Change Your Brain Change Your Life , claims ANTs (automated adverse ideas) are one of the vital harmful issues on your brain.

Wyrażam zgodę na otrzymywanie na podany adres e-mail informacji handlowej wysłanej przez Onet S.A. w imieniu własnym lub na zlecenie jej partnerów biznesowych. Create your Pure Cycles account to obtain promotional information and entry to a quicker checkout course of.

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forty two Extremely Profitable Small Enterprise Ideas For 2016

Senate Effort Fails to Repeal Affordable Care Act. If you wish to step your Amazon promoting game up, take a look at this detailed guide to Amazon and eBay retail arbitrage on Entrepreneur that includes an interview with Julie Becker and a number of other dropshippers who’ve grown this residence primarily based enterprise idea from facet hustle into a lucrative money-maker.

With that in thoughts, I put collectively this massive checklist of the 101 Greatest Facet Hustle Business Ideas You Can Begin While You’re Nonetheless Working a Full-Time Job, to help give you inspiration with confirmed side hustle concepts that can be executed on whilst you nonetheless keep your day job—and first supply of revenue.

Take a look at Cleansing Zoom’s final guide to beginning a cleansing business. Some counselors concentrate on admissions, career recommendation, financial help, athletics, extracurricular activities, and other concerns. Here is a method you possibly can money in on the trend as a aspect hustle thought.

Out of observation there sure are quite a lot of graphic designers on right here. When you construct up a fame and shopper base for your self, it may easily turn right into a full-time endeavor for you. We received one hundred years on this earth (if we’re fortunate), and also you’re dwelling in the superb informational age.

Employed techies planning to earn extra cash as a facet hustle can leverage their software and hardware abilities by providing residence-based mostly laptop restore providers If this rings a bell, you can begin with a modest one-man tech staff before envisioning a scaled-up operation as large as Geek Squad Keep in mind, you may provide dwelling service domestically as well as offer distant help through on-line messaging and video calling providers.…