Posts Tagged ‘commercial loans



30
Mar
10

Rise Up to Your Potential

Sometimes, I come across articles that I think are really good.  I like to share those with you from time to time.  I hope this adds value to you today.  Give me a call today at (888) 890-2416 or email us at info@thefernandezgroup.com to see all the ways I can build your business.  Enjoy this article by best selling author and leadership expert Dr. John C. Maxwell.

Discipline: The Path to Potential

By Dr. John C. Maxwell

He may have been the most naturally gifted baseball player of all time. He was clocked rounding the bases in an incredible 13 seconds. Yet, his speed was nothing compared to the power of his hitting. It’s been said there were home run hitters, and then there was this man – in a league of his own. The Guinness Book of World Records credits him with hitting the longest home run ever measured, at 643 feet.

The player I’m describing is the great Mickey Mantle. By the age of 19 he had been called up to play for the New York Yankees. He won a World Series his rookie year, and his teams would capture seven championships over the course of his career. By the time he retired, Mantle had played more games as a Yankee than any other player, and had been named MVP of the American League three times. He still holds the all-time World Series records for home runs, runs scored, and runs batted in.

Yet, in spite of his impressive accomplishments, experts believe Mickey Mantle never reached his potential. Most blame Mantle’s chronic knee injuries for preventing him from doing more. But injuries weren’t the root of the problem. What most people didn’t know was that Mantle was a raging alcoholic.

At age 62, with his health and family life a mess, Mantle checked into the Betty Ford Clinic and started the long road to sobriety. Looking back from this vantage point, he assessed his career:

I never fulfilled what my dad had wanted [to be the greatest player who ever lived], and I should have. God gave me a great body to play with, and I didn’t take care of it. And I blame a lot of it on alcohol.

Everybody tries to make the excuse that injuries shortened my career. Truth is, after I’d had a knee operation the doctors would give me rehab work to do, but I wouldn’t do it. I’d be out drinking… I hurt my knees through the years, and I just thought they’d naturally come back. Everything has always come natural to me. I didn’t work hard at it.

Despite his great natural talent, Mickey Mantle never disciplined himself off the field. By the time Mantle was ready to change, it was too late. His liver was ruined from a life of alcoholism, and he died at age 64 from inoperable cancer.

Four Truths about Discipline

What were you born to do? What is your dream? To become the person you have the potential to be, you have to cultivate a life of discipline. Consider these truths concerning discipline:

Discipline Comes with a Price Tag

Discipline is costly. It demands a continual investment of time, energy, and commitment at the expense of momentary pleasure and ease. Discipline means paying hours of practice to win the prize of skill. Discipline means giving up short-term benefits for the hope of future gain. Discipline means pressing on to excellence long after everyone else has settled for average.

Discipline Turns Talent to Greatness

When you read about someone like Mickey Mantle, you realize that too much talent can actually work against someone. Super-talented individuals can coast on sheer ability and neglect building the daily habits of success that will sustain them. Poet Henry Wadsworth Longfellow shared much insight when he wrote:

The heights by great men reached and kept
Were not attained by sudden flight,
But they, while their companions slept,
Were toiling upward in the night.

If you want to reach your potential, attach a strong work ethic to your talent.

Discipline Focuses on Choices, Not Conditions

In general, people approach daily discipline in one of two ways. They focus on the external or the internal. Those who focus externally allow conditions to dictate whether or not they remain disciplined. Because conditions are transitory, their discipline level changes like the wind.

In contrast, people with internal discipline focus on choices. You cannot control circumstances, nor can you control others. By focusing on your choices, and making the right ones regularly, you stay disciplined.

Discipline Does Not Bow Down to Feelings

As Arthur Gordon said, “Nothing is easier than saying words. Nothing is harder than living them, day after day. What you promise today must be renewed and redecided tomorrow and each day that stretches out before you.”

If you do what you should only when you really feel like it, then you won’t build disciplined habits. At times, you have to act contrary to emotions. If you refuse to give into your lesser impulses, no matter how great they will make you feel in the moment, then you’ll go far.

Summary

Discipline is a matter of taking total responsibility for your future. Choose not to blame circumstances for the outcome of your life. Choose to go beyond your natural talent. Choose to make wise decisions repeatedly. Choose discipline as the path to your potential.

Receive all the latest tips, programs and insight on our Social Media Network:





26
Mar
10

Be Fearless

Here is helpful insight from a very successful professional Brain Peart…                                 

The High Cost of Fear!

Based on the news, I can’t believe there is anyone still alive to read this…you would think every Realtor and mortgage person is already dead on arrival.  But I have news for you…the only thing we have to fear is fear itself-apologies to FDR!

Let me ask you three questions….First, which is riskier…Nuclear power or sunlight?  Second, which animal is responsible for more deaths in the US…alligator, bear, deer, shark or snake?  Third, which causes the greatest number of fatalities worldwide on average….war, suicide or homicide?

Chernobyl was the worst nuclear accident in history.  By 2006, 20 years after the incident, there were less than 100 people who have died from that incident.  8000 Americans are killed EACH year due to skin cancer, mostly caused by overexposure to the sun.

Each year, deer cause 130 human fatalities, 7 times MORE than alligators, bears, snakes and sharks COMBINED!  Deer don’t pack heat, they just step in front of cars….

In most years, war causes less fatalities than homicides…and suicides cause twice as many deaths as homicides.  All of this is to remind us that much of the world’s misfortunes are not caused by what we are afraid of but by BEING AFRAID.  At Chernobyl, panicky business owners fled, unemployment and poverty soared.  Anxiety, depression, alcoholism and suicide were rampant.  There was such fear among mothers about their unborn babies’ health that there were 100,000 unnecessary abortions.

So what is the point of all this?  Unless you are close to retirement, go ahead and play golf, work hard, enjoy your family, continue to invest and save….you WILL live to see brighter days.  And oh yes, turn off the news…it’s poison.

Perry Fernandez

P.s. There has never been a better time to buy real estate!  We are here to help take your business to the next level.  Our help is free and our success stories continue to grow.  Call me today and I can explain to you all the many ways I can grow your business from our commercial loan products.  WE ARE HERE TO HELP!  Call me today at (888) 890-2416 to set a time to get together and brainstorm ways to help your business. Be Blessed.

*****************************************************************************************************

Receive all the latest tips, programs and insight on our Social Media Network:

12
Jan
10

Commercial Mortgage Lenders and Commercial Mortgage Brokers, a Partnership

Here is a great article I found regarding how commercial mortgage brokers and lenders are partnering to successfully close transactions…

In today’s economic environment its difficult for commercial mortgage lenders to find a good commercial mortgage broker. Given the economic recession and the reduced commercial mortgage activity in the real estate capital markets, commercial mortgage brokers are under pressure to generate commission income and may not be advising their client as objectively as in the go-go days. Furthermore, it is typically taking 3 to 4 times as long to close a transaction as compared to before the recession began. These characteristics of today’s commercial loan market make it important for a borrower to do their homework prior to engaging a broker.

Commercial lenders rely on skilled brokers to carefully analyzes the transaction and surveys the capital markets for a mortgage or financing that best meets the client’s needs, and processes and closes the deal. Both commercial mortgage lenders as well as business owners can have a mortgage broker identify which lenders are active in the market, and desired loan product, and negotiate on the lenders and borrowers behalf.

It’s important to the capital providers for all their finance brokers they work with to maintain the highest standards of integrity and ethics in their business practices and maintain a steady analytical approach and keen market observation. Experience and relationships in the lending market are important aspects of a solid partnership between commercial loan brokers and lenders. A competent loan broker is well skilled to handle the needs of the real estate borrowers and commercial lenders, and begins by carefully analyzing the client’s needs and the characteristics of each transaction. They underwrites and package a financing request for the lender and confer with the borrower regarding its content and financing request. Strong commercial brokers are often able to structure a creative solution derived from their extensive knowledge of the capital markets. Oftentimes a commercial loan lender is used to structuring a loan in a certain way. A proficient finance broker is able to help both parties arrive at a structure which works best for both the borrower and commercial mortgage lender.

Capital providers offer cutting edge terms to skilled brokers with a prove track record of success and assign senior level professionals, oftentimes the decision-maker, to work with the broker because of their large business flow and technical expertise. Some brokers can work quickly and place a transaction within hours if necessary, and can close institutionally priced loans in little as eight business days and ‘hard money’ loans in two days.

Read more about Commercial Mortgage Lenders and their working relationship with commercial mortgage brokers

Article Source: http://EzineArticles.com/?expert=Michael_J._Schwartz




Receive all the latest tips, insights, and relevant solutions for today's commercial real estate market. Enter email below...

Join 269 other followers

Follow Us on Facebook

Connect with Us on Twitter


Follow

Get every new post delivered to your Inbox.

Join 269 other followers