2015 a Great Year for MortgagesLab

Dec.05, 2014 by

2015 a Great Year for MortgagesLab



I am being optimistic for 2015.  Some of the thoughts that guide me lately are the following:

  • If you win is good, if you loose you learn which is even better
  • Let systems run the business and people run the systems
  • You can develop new skills every day and become a better person

I will be getting some training on business building, for those interested this is where I am planning to go:

The E-Myth System

Posted under Uncategorized| Comments Off on 2015 a Great Year for MortgagesLab

Quotes by Abraham Lincoln

Apr.03, 2013 by

Things may come to those who wait, but only the things left by those who hustle. Abraham Lincoln

A woman is the only thing I am afraid of that I know will not hurt me. Abraham Lincoln

When I do good, I feel good. When I do bad, I feel bad. That’s my religion. Abraham Lincoln

With Malice toward none, with charity for all, with firmness in the right, as God gives us to see the right, let us strive on to finish the work we are in, to bind up the nation’s wounds. Abraham Lincoln

I remember my mother’s prayers and they have always followed me. They have clung to me all my life. Abraham Lincoln

Those who deny freedom to others deserve it not for themselves. Abraham Lincoln

The dogmas of the quiet past are inadequate to the stormy present. The occasion is piled high with difficulty, and we must rise with the occasion. As our case is new, so we must think anew and act anew. Abraham Lincoln

Let not him who is houseless pull down the house of another, but let him work diligently and build one for himself, thus by example assuring that his own shall be safe from violence when built. Abraham Lincoln

The philosophy of the school room in one generation will be the philosophy of government in the next. Abraham Lincoln

You cannot escape the responsibility of tomorrow by evading it today. Abraham Lincoln

No man has a good enough memory to be a successful liar. Abraham Lincoln

Allow the president to invade a neighboring nation, whenever he shall deem it necessary to repel an invasion, and you allow him to do so whenever he may choose to say he deems it necessary for such a purpose – and you allow him to make war at pleasure. Abraham Lincoln

How many legs does a dog have if you call the tail a leg? Four. Calling a tail a leg doesn’t make it a leg. Abraham Lincoln

I do the very best I know how – the very best I can; and I mean to keep on doing so until the end. Abraham Lincoln

Whatever you are, be a good one. Abraham Lincoln

To sin by silence when they should protest makes cowards of men. Abraham Lincoln

Posted under Uncategorized| Comments Off on Quotes by Abraham Lincoln

Bill Gates’ Rules

Jan.20, 2013 by

Rule 1: Life is not fair, get used to it

Rule 2: The world does not care about your self esteem. The world will expect you to accomplish something before you feel good about yourself.

Rule 3: You will not make $60,000 a year right out of high school, you won’t be a vice president with a car phone until you earn both.

Rule 4: If you think your teacher is tough, wait till you get a boss.

Rule 5: Flipping burgers is not below your dignity. Your grand parents had a different word for burger flipping: They called it opportunity.

Rule 6: If you mess up, it’s not your parents’ fault, so don’t whine from your mistakes learn from them.

Rule 7: Before you were born, your parents weren’t as boring as they are now. They got that way by paying your bills, cleaning your clothes and listening to you talk about how cool you though you were. So before you save the rain forest from the parasites of your parent’s generation, try delousing the closet in your own room.

Rule 8: Your school may have done away with winner and losers but life has not. In some schools, they have abolished falling grades and they’ll give you as many times as you want to get the right answer. This doesn’t bear the slightest resemblance to anything in real life

Rule 9: Life is not divided into semesters. You don’t summers off and very few employers are interested in helping you find yourself. Do that on your own time.

Rule 10: Television is not real life, in real life people have to leave a coffee shop and go to jobs.

Rule 11: Be nice to nerds, chances are you’ll end up working for one.

Posted under Uncategorized| Comments Off on Bill Gates’ Rules

Steve Job’s Quotes

Dec.15, 2012 by

On Money:
“Being the richest man in the cemetery doesn’t matter to me … Going to bed at night saying we’ve done something wonderful… that’s what matters to me.” – The Wall Street Journal, Summer 1993

On Impact:
“I want to put a ding in the universe.”

“The most important thing is a person. A person who incites and feeds your curiosity; and machines cannot do that in the same way that people can.” — Smithsonian Institution Oral and Video Histories, April 20, 1995

On Leading:
“Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.”

“Innovation distinguishes between a leader and a follower.”

“My job is not to be easy on people. My job is to take these great people we have and to push them and make them even better.” – All About Steve Jobs

“I’m convinced that about half of what separates the successful entrepreneurs from the non-successful ones is pure perseverance.”

“My job is to make the whole executive team good enough to be successors, so that’s what I try to do.” – CNNMoney

On Individuality:
“Why join the navy if you can be a pirate?” – paraphrased, Young Guns: The Fearless Entrepreneur’s Guide to Chasing Your Dreams and Breaking Out on Your Own by Robert Tuchman

“Here’s to the crazy ones… – Apple’s Think Different Campaign

On Living:
“Have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.” – Stanford Commencement Address

“Do you want to spend the rest of your life selling sugared water or do you want a chance to change the world?” – Steve Jobs’ question for John Sculley, former Apple CEO

“Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it.” – Stanford Commencement Address

“Let’s go invent tomorrow rather than worrying about what happened yesterday.” — D5 Conference: All Things Digital, May 30, 2007

“If you want to live your life in a creative way, as an artist, you have to not look back too much. You have to be willing to take whatever you’ve done and whoever you were and throw them away.” — Playboy, February 1985

“We don’t get a chance to do that many things, and everyone should be really excellent. Because this is our life. Life is brief, and then you die, you know? And we’ve all chosen to do this with our lives. So it better be damn good. It better be worth it.” – Fortune

“Almost everything–all external expectations, all pride, all fear of embarrassment or failure–these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.”

Posted under Uncategorized| Comments Off on Steve Job’s Quotes

Dalai Lama’s Quotes

Nov.10, 2012 by

1. Take into account that great love and great achievements involve great risk.

2. When you lose, don’t lose the lesson.

3. Follow the three R’s: 1. Respect for self 2. Respect for others 3. Responsibility for all your actions.

4. Remember that not getting what you want is sometimes a wonderful stroke of luck.

5. Learn the rules so you know how to break them properly.

6. Don’t let a little dispute injure a great friendship.

7. When you realize you’ve made a mistake, take immediate steps to correct it.

8. Spend some time alone every day.

9. Open your arms to change, but don’t let go of your values.

10. Remember that silence is sometimes the best answer.

11. Live a good, honorable life. Then when you get older and think back, you’ll be able to enjoy it a second time.

12. A loving atmosphere in your home is the foundation for your life.

13. In disagreements with loved ones, deal only with the current situation. Don’t bring up the past.

14. Share your knowledge. It’s a way to achieve immortality.

15. Be gentle with the earth.

16. Once a year, go someplace you’ve never been before.

17. Remember that the best relationship is one in which your love for each other exceeds your need for each other.

18. Judge your success by what you had to give up in order to get it.

Posted under Uncategorized| Comments Off on Dalai Lama’s Quotes

Albert Einstein’s Quotes

Oct.20, 2012 by

1. “Logic will get you from A to B. Imagination will take you everywhere.”

2. “Intellectuals solve problems, geniuses prevent them.”

3. “I have no special talent. I am only passionately curious.”

4. “I think and think for months and years. Ninety-nine times, the conclusion is false. The hundredth time I am right.”

5. “The value of a man should be seen in what he gives and not in what he is able to receive.”

6. “Try not to become a man of success, but rather try to become a man of value.”

7. “You ask me if I keep a notebook to record my great ideas. I’ve only ever had one.”

8. “If you can’t explain it simply, you don’t understand it well enough.”

9. “It’s not that I’m so smart, it’s just that I stay with problems longer.”

10. “Not everything that counts can be counted; and not everything that can be counted counts.”

11. “There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle.”

12. “The only real valuable thing is intuition.”

13. “Imagination is more important than knowledge. Knowledge is limited, Imagination encircles the world ”

14. “The most beautiful thing we can experience is the mysterious. It is the source of all true art and science.”

15. “Anyone who has never made a mistake has never tried anything new.”

16. “The only reason for time is so that everything doesn’t happen at once.”

17. “Everything should be made as simple as possible, but not simpler.”

18. “Education is what remains after one has forgotten everything he learned in school.”

19. “No problem can be solved from the same level of consciousness that created it.”

20. “The important thing is not to stop questioning. Curiosity has its own reason for existing.”

21. “Reality is merely an illusion, albeit a very persistent one.”

22. “Two things are infinite: the universe and human stupidity; and I’m not sure about the the universe.”

23. “When you sit with a nice girl for two hours, it seems like two minutes. When you sit on a hot stove for two minutes, it seems like two hours. That’s relativity.”

24. “If the facts don’t fit the theory, change the facts.”

25. “A question that sometimes drives me hazy: am I or are the others crazy?”

26. “A table, a chair, a bowl of fruit and a violin; what else does a man need to be happy?”

27. “Common sense is the collection of prejudices acquired by age eighteen.”

28. “Few are those who see with their own eyes and feel with their own hearts.”

29. “Logic will get you from A to B. Imagination will take you everywhere.”

30. “Intellectuals solve problems, geniuses prevent them.”

31. “I have no special talent. I am only passionately curious.”

and here is my favorite one,

“Do not worry about your difficulties in mathematics, I can assure you that mine are still greater.”

Posted under Uncategorized| Comments Off on Albert Einstein’s Quotes

Mahatma Gandhi’s Quotes

Oct.10, 2012 by

1) “Be the change that you wish to see in the world.”- Mahatma Gandhi

2) “An eye for an eye will only make the whole world blind.”
– Mahatma Gandhi, The Story of My Experiments With Truth

3) “Happiness is when what you think, what you say, and what you do are in harmony.” – Mahatma Gandhi

4) “First they ignore you, then they ridicule you, then they fight you, and then you win.” – Mahatma Gandhi

5) “Freedom is not worth having if it does not include the freedom to make mistakes.” – Mahatma Gandhi

6) “Seven Deadly Sins

Wealth without work
Pleasure without conscience
Science without humanity
Knowledge without character
Politics without principle
Commerce without morality
Worship without sacrifice.” – Mahatma Gandhi

7) “The weak can never forgive. Forgiveness is the attribute of the strong.” – Mahatma Gandhi

8) “Men often become what they believe themselves to be. If I believe I cannot do something, it makes me incapable of doing it. But when I believe I can , then I acquire the ability to do it even if I didn’t have it in the beginning.” – Mahatma Gandhi

9) “The best way to find yourself is to lose yourself in the service of others.” – Mahatma Gandhi

10) “When I despair, I remember that all through history the way of truth and love has always won. There have been tyrants and murderers and for a time they seem invincible but in the end, they always fall – think of it, ALWAYS.” – Mahatma Gandhi

11) “You may never know what results come of your action, but if you do nothing there will be no result.” – Mahatma Gandhi

12) “You must not lose faith in humanity. Humanity is an ocean; if a few drops of the ocean are dirty, the ocean does not become dirty.” – Mahatma Gandhi

13) “Live as if you were to die tomorrow. Learn as if you were to live forever.” – Mahatma Gandhi

14) “God has no religion.” – Mahatma Gandhi

15) “Nobody can hurt me without my permission.” – Mahatma Gandhi

16) “Hate the sin, love the sinner.” – Mahatma Gandhi

17) “A man is but the product of his thoughts. What he thinks, he becomes.” – Mahatma Gandhi

18) “Your beliefs become your thoughts,
Your thoughts become your words,
Your words become your actions,
Your actions become your habits,
Your habits become your values,
Your values become your destiny.” – Mahatma Gandhi

19) “The future depends on what you do today.” – Mahatma Gandhi

20) “In a gentle way, you can shake the world.” – Mahatma Gandhi

21) “Truth is one, paths are many.” – Mahatma Gandhi

Posted under Uncategorized| Comments Off on Mahatma Gandhi’s Quotes

The story of money is not a straight line

Apr.27, 2012 by

By Seth Godin | A must read – Camilo


Everyone tells themself a different story about money, but there’s no doubt at all that the story we tell ourselves changes our behavior.

Consider this curve of how people react in situations that cost money.

A musician is standing on a street corner playing real good for free. Most people walk on by (3). That same musician playing at a bar with a $5 cover gets a bit more attention. Put him into a concert hall at $40 and suddenly it’s an event.

Pay someone minimum wage or a low intern stipend (4) and they treat the work like a job. Don’t expect that worker to put in extra effort or conquer her fear–the message is that her effort was bought and paid for and wasn’t worth very much to the boss… and so she reciprocates in kind. The same sort of thing can happen in a class that’s easy to get into and that doesn’t cost much–a Learning Annex sort of thing. Easy to start, cheap to try–not much effort as a result.

It’s interesting to me to see what happens to people who pay a lot or get paid well (2,5). The kids at Harvard Law School, for example, or a third-year associate at a law firm. Here, we see all nighters, heroic, career-risking efforts and all sorts of personal investment. And yet as we extend the curve to situations where the rules of rational money are suspended, something happens–people get fearful again. Don’t look to Oprah or JK Rowling or the Donald to bet it all–the huge amount of money they could earn (or could pay) to play at the next level (1 & 6) isn’t enough to get them out of their comfort zone. Money ceases to be a motivator for everyone at some point.

Most interesting of all is the long black line at zero (3). The curve goes wild here, like dividing by zero. At zero, at the place where no money changes hands, we see volunteer labor and free exchange. In these situations, sometimes we see extraordinary effort, the stuff that wins Nobel prizes. Just about every great, brave or beautiful thing in our culture was created by someone who didn’t do it for money. We see the local volunteer putting in insane hours even though no one is watching. We hear the magical song or read the amazing poem that no one got paid to write. And sometimes, though, we see very little, just a trolling comment or a half-hearted bit of commentary. Remove money from the story and we’re in a whole new category. The most vivid way to think about this is the difference between a mutually-agreed upon romantic date and one in which money changes hands.

All worth thinking about when you consider how much to charge for a gig, what tuition ought to be, what motivates job creators or whether or not a form of art disappears when the business model for that art goes away.

Posted under Uncategorized| Comments Off on The story of money is not a straight line

What is actually happening to You!

Mar.22, 2012 by

Great posting by Seth Godin. One of the key areas of success in my opinion is how much time you devote to what you do best and what you are good at. If you only spend little time doing something, how can you achieve something important? Here something that will make you think and I hope something that makes you change.

Clearing the decks

SwissMiss points to a great infographic about how professional photographers actually spend their time.

Part of the magic (and the risk) of the internet is that if you want to, you can use your access to tools, markets and media to go even further in the direction of the chart on the right. You can become your own booker, accountant, publicist and more. Hey, it’s free! You get to keep all the money!

Of course, it also means you don’t get to spend very much time at all doing what you set out to do in the first place, which is shoot pictures, or write music or coach or whatever it was.

The other thing you can do is find the guts and resources to move even more to the left. Hire other people (at huge expense) to do all those things you certainly could do on your own, so you can actually do the work you were born to do.

One thing to consider: finding and retaining a great salesperson is more difficult than you might think, since a great salesperson might very well contribute even more value than you do.

Posted under Uncategorized| Comments Off on What is actually happening to You!

Technology Today for Mortgage Brokers, Realtors, Real Estate Investors

Mar.21, 2012 by

Amazing technology available today.
Faster than Google Earth…


Posted under Uncategorized| Comments Off on Technology Today for Mortgage Brokers, Realtors, Real Estate Investors