I was recently featured in an interview on RealtorAge.com. If you want to know about my first house, check it out!
Ralph Slaske has been building homes for more than 10 years. Before custom home building, he ha worked at Johnson Controls as an engineer and a project manager. In 2005, he has founded his company under the name of Slaske Building Company. He has earned a great reputation and a lot of trust in Northwest Ohio as a home builder. He has run his business from an approach that is centered on his customers and clients. He has taken the time to understand what his customers want and build some trust between him and his clients he has served. One thing he understood is the investment that his clients were making.
Often considered the bane of real estate agents far and wide, the responsibility of generating leads can be time-consuming and surprisingly costly given the typical return on the initial investment. For too long agents within the industry have simply accepted the fact that the strategies used for generating leads are inefficient and hardly worth the price paid for access. With no alternative option available for such a critical task, it is easy to understand why many agents simply grin and bear it in order to ensure they have a steady stream of clients. Fortunately, there is a better option available to real estate agents who feel the same way about generating leads as I once did.
When I first heard about BoldLeads from a fellow real estate agent from the opposite coast, I have to admit that I had some doubts regarding the veracity of his claims. He told me that just a half-year using the system had completely altered the way he was able to serve real estate buyers and sellers, not to mention the fact that he was also earning more commissions without having to commit to more hours. In fact, he claimed that, on average, he had worked several hours less per week since he began using this system.
Even though I had my doubts regarding my friend’s seemingly unbelievable success, I decided to give the system a try for myself. After all, the strategies I had been using for generating leads had not exactly resulted in a consistent pipeline of clients. For the sake of clarity, this brief review reflects my experience with the company over the past 12 weeks or so, but my experience seems to be in line with many of the other BoldLeads reviews I came across before utilizing the system myself.
I was quite relieved to find that one of the co-founders of BoldLeads had extensive experience in the real estate industry and designed the system with a thorough understanding of the inefficiencies existing in lead-generation strategies. As I became more familiar with the system and used it with greater frequency, I was able to significantly reduce the effort I had to put toward generating leads and felt as though someone had been listening to every gripe I ever shared regarding the frustrations inherent in generating leads.
Improved Efficiency, Quality and Volume of Leads
Once I had been using the system long enough to have several clients come through the system from beginning to end, I began to see just how productive I could be due to the streamlined lead-generation process. My own rate of efficiency has improved to a significant degree due to the increased number of leads I am now able to access. Since BoldLeads reviews and organizes the leads according to a variety of relevant factors, I have also benefited from the enhanced quality of the leads provided to me. The system has converted more leads into clients than I could have ever imagined, and my run of recent success is certainly a reflection of the value of using BoldLeads as I have.
Identifying the ideal service for ceramic tile removal Chandler AZ has to offer is not exactly as simple or straightforward as it may seem upon first glance. While most homeowners see tile removal as something that requires not much more than access to some fairly heavy-duty power tools, there is so much more to consider in selecting the ideal service to effectively remove any amount of ceramic tile from a home. Of those considerations, the ability to thoroughly remove the dust that is generated through the removal process is one of the most important and, somewhat paradoxically, one of the most frequently overlooked.
During the process of removing ceramic tile from a home, a tremendous amount of incredibly fine dust particulate is released into the air. Even the most careful preparation will not be effective in preventing this particulate from reaching just about every imaginable part of the home, including everything from the furniture cushions to the air ducts. While most tile removal services try to mitigate the amount of dust left behind by securing different kinds of coverings throughout the home before removing the tile and then thoroughly vacuuming after the work has been complete, the most efficient method for preventing dust is through the use of tools outfitted with special dust-collection systems that include HEPA filtration.
Unfortunately, many homeowners are simply unaware of the dangers of improper tile removal procedures and unknowingly place themselves at risk by utilizing inferior equipment or calling on companies that do not use the ideal tool for this particular job. With the dust from the ceramic tiles in the carpet, furniture and air vents, residents of the home will be repeatedly exposed to particles that can cause a number of adverse health problems that may cause anything from mild discomfort to serious respiratory issues. Given the potential health risks associated with inefficient ceramic tile removal strategies, it simply makes little sense to settle for an inferior service when highly effective options are readily available.
It’s been estimated that professionals using dust-collecting tools outfitted with HEPA filtration systems are able to effectively remove up to 98 percent of the dust generated during the course of tile removal. In addition to the obvious health benefits that result, the use of these specially designed tools also allows the homeowner to be on site during the process if they desire. With so many benefits that include reduced health risks and greater convenience, it seems clear that homeowners in need of tile removal should conduct their due diligence when selecting a professional contractor to perform this task.
“The reality is that most investors would benefit most from low-fee index funds, but that is not really exciting advice and it will certainly not keep you tuning in day after day,” said Arturo Alvarez Demalde. “There is a caveat, of course, that every investor is different and therefore has different needs, but in most circumstances investors would be wise to investigate low-index funds rather than following the advice of someone on TV.”
Many shrewd investors would likely agree with Demalde, and Randi Glazer might be able to shed some light on the benefit on taking a pragmatic approach to investing. After all, the television pundits have a sort of carnival barker quality that should make anyone hesitant to follow their financial advice. When it comes to getting the best possible return, low-fee index funds are certainly not the most exciting, but an investor seeking excitement can turn to a number of entertainment activities that are far more thrilling than anything that can be accomplished through the stock market.
It is widely understood that it is extraordinarily important to adopt a diversified investment strategy that insulates the investor from the various pitfalls associated with economic trends in varying industries, but that does not mean it is particularly easy to adopt such a strategy. As Fahad Al-Rajaan sees it, the overwhelming majority of investors never develop a comprehensive understanding of the many options at their disposal, leaving major investment opportunity gaps that limit the return on what could be an impressive and lucrative strategy.
While it is simply not feasible to give international investment advice without understanding each specific investor’s existing portfolio along with their short- and long-term investment goals, Fahad Al-Rajaan has noticed that many investors are failing to take advantage of international business growth, especially as it relates to international tech startups that may not be as heralded as their counterparts in the United States. With this lack of hype, there are many in the international investment world who see this as a largely untapped market that will be every bit as successful as any other tech startup and will yield a much more impressive return on the initial investment due to the limited fanfare.
Technology is not the only industry in which international markets are producing startups poised for monumental growth for both short- and long-term investments, and Fahad Al-Rajaan suggests that investors who are interested in taking a more diversified approach should meet with their financial advisor to discuss international market opportunities. Of course, Fahad Al-Rajaan also offered a word of warning regarding this strategy, as not all financial advisors are knowledgeable enough to ensure the kind of immense success available through international investments, so it is essential to first evaluate the advisor’s experience and understanding of international markets before entrusting them to develop a personal investment strategy.
Of course, it is sometimes advisable for investors to work with a separate financial advisor whose specific area of expertise is in the international markets. According to Fahad Al-Rajaan, there are many advisors who hold licenses that enable them to offer specialized advice regarding investing abroad, and he has long emphasized the importance of ensuring that all financial dealings are done with strict adherence to all of the various regulations that apply to different markets, international or otherwise.
Fahad Al-Rajaan also noted that international investors seem to be ahead of the curve compared to their North American counterparts, with Australian investors represented quite well in terms of their willingness to adopt an international strategy that includes a variety of markets outside of their home country. This diversified strategy has paid off handsomely for these investors, further illustrating the importance of taking a multi-faceted approach to investing that includes businesses in a number of industries and locales. In many cases, this particular strategy is considered quite stable and ensures investors can count on a sizable return on their investment independent of unforeseen economic troubles or circumstances.
International investments are not without drawbacks, however, and one of the most frequently cited issues preventing investors from participating in international markets is the relatively high cost of entry. While this is not always the case, there is a reason why many investors see an international strategy as something that is beyond their reach due to cost. Despite the sometimes lofty costs associated with entering a particular international market, the potential return and the enhanced investment diversification is more than worth the initial costs. This is especially true when an international strategy is employed over a long-term basis, as a diversified strategy that includes investments at home and abroad are simply better positioned to yield the kind of return that leads to sustained financial security.
Dave Ramsey, Zig Ziglar, Steve Jobs, Thomas Edison; these are just a few names linked with the brilliant business minds that changed business and America forever. “If you want to change the way you think, study those who think differently than you,” said business expert Ralph Slaske. To add to Slaske’s quote, I’d like to add a few words of my own: If they are in life where you want to be.
Studying business geniuses is a great idea, but why would you? What can you learn from these people? For one thing, you’ll learn principles that aren’t taught in school (but why?!), and you’ll also learn how to look at failure and loss differently. The majority of people believe that if something doesn’t work, then we need to run away from it and find something else that will. Someone with a business has learned that if something doesn’t work, try again, then try again, then try again in a different way. Attack the problem in different angles. If your solution didn’t change the problem, change your thinking about the problem.
It is an unfortunate truth that it is somewhat rare for there to be an overlap between an individual’s passion and their source of income. One of the more common refrains among those engaged in some kind of recreational activity often has to do with a desire to somehow generate income through a passionate pursuit that they truly enjoy at all times. While many will say this with more than a tinge of regret and mistakenly accept that gainful employment is not always fun, there are those who realize that there is very little preventing them from making a lucrative career out of their hobbies and passions.
Jody Rookstool is a perfect example of this. After beginning to share her crafting and DIY projects with friends and family, she was able to create a viable business that has enabled her to devote more time to something she deeply enjoys. This is true of any endeavor, and though there is certainly some risk at the outset of any business venture, it is often a risk worth taking.
It seems to be the case that these businesses are successful mainly because of the evident passion of those involved. These businesses tend to excel simply because the people in charge are more than happy to work on a project that reflects their interests and allows them to do what they love all the time rather than in just those few hours that are not devoted to a traditional job.
Richard Thaler has always been an interesting figure in economics, and there is a lot to learn from the recently released memoir detailing his professional life, which Thaler appropriately titled “Misbehaving.” Thaler, now tenured at the University of Chicago, has long provided a number of insights into behavioral economics, and there is a great deal investors can learn from these insights. This is especially true for those who do not realize how human nature affects every aspect of the decision-making process, including those related to our investments and long-term financial plans.
Perhaps the most important lesson is to understand how we make decisions based on the way a situation is framed. Thaler uses a number of examples to show how irrational we are with regard to financial matters, using simple situations such as an individual who would not pay $10 to have his lawn mowed by someone else but would also not accept $20 to mow a neighbor’s lawn. There are obvious human errors in the way we value the things, and the way these things are framed is often the sole determining factor. For another example, a patient who is told that they have a 95 percent chance of surviving a surgery is much more likely to go ahead with the procedure than the person who is told that there is a 5 percent chance of dying.
So what does all of this have to do with finance? Well, it is necessary to understand how information is presented to us and to make decisions based on the actual information rather than the manner of presentation. This requires a willingness to thoroughly evaluate each opportunity, and it also requires that we begin to place more trust in the advanced metrics that eliminate presentation and focus solely on the pure data available. As humans, we like to believe that we are able to think rationally at all times, but there are too many times in which we make poor decisions –- financial or otherwise –- due to the way our choices are presented to us.
In reading Thaler’s book, it is clear that we have a lot to learn. Understanding how we make decisions and the manner in which we are affected by behavioral economics is key to overcoming our own inherent flaws. The process through which we overcome these flaws is quite difficult, but it is ultimately worthwhile for ensuring consistently sound financial decisions.
Consumer demand has been pushing a great deal of technological change in recent years, and that demand is finally making its way into the financial sector. The development of a number of financial technology services has made it easier for consumers to manage their finances in a manner that they are able to completely control. As a result, traditional banking institutions are being forced to adapt quickly or risk being forced out of the marketplace entirely. This is a positive development, as the enhanced transparency for consumer finance will ultimately stimulate a great deal of change in the way financial services are delivered.
There are a few obvious examples –- Paypal, for instance — of financial technology companies establishing a significant hold on the market recently, and these companies are not just making financial management more convenient for consumers, as they are also changing the way financial institutions do business entirely. It seems clear that consumers will no longer be dealing with a single financial institution to handle all of their financial needs; instead, consumers will be able to identify the most ideal platform for their specific financial goals and will be able to invest accordingly.
Companies such as Robinhood and Simple have made it easier for consumers to control their personal finances and to modify the options at their disposal so that they are suitable for their unique goals and needs. It is therefore the case that these financial technology startups are not just making personal finance easier and more accessible, but they are also creating a highly personalized option that makes money management more effective over both the short- and long-term.
Of the most interesting developments among these financial technology startups is the advent of the robo-adviser, which has threatened to make personal investment corporations seemingly obsolete. The robo-advisement process is quite simple, as the automated system invests according to your goals and input with regard to diversification, much in the same way as a personal finance manager would but without the added costs.
The world of finance is clearly changing, and technology startups are finally entering the financial world to stimulate the kind of change that is long overdue. The services that are now being offered by these tech startups will ultimately prove to be exceptionally beneficial to consumers who want more convenient and effective personal finance options, and it is now up to the established financial institutions to either adapt or dissolve.