Why Success is a Science

My studies of the highly successful prove that they continually achieve their results by doing "certain things in a certain way". I have also found that "like causes produce like effects". Therefore, if you and I consistently employ the same thought processes and actions of these highly-successful individuals, we must produce the same results. This is why success is an absolute science. If you apply the principles (thoughts and actions) of peak-performers you will accelerate your sales and life results far beyond your current level of achievement. Put it to the test.

In his best-selling book, Psycho Cybernetics, Dr. Maxwell Multz talks about our daily actions being the direct result of our habits. Since your actions are the cause of your results, it is fair to assume that your habits are what ultimately create the results you obtain. Habits are the things you and I do naturally and automatically, without thinking. These habits have been conditioned at a very early age and are now collected in our subconscious mind. According to Multz, if you want to change your results, you must begin to form new habits. In other words, you must change the things you do automatically.

Your current thinking regarding your abilities, your product and your industry is habitual - and we call that programming. This programming is buried in your subconscious mind, and it drives your behavior on a daily basis.

These programs, or paradigms, came from outside sources and we often accept them without question. Many times our paradigm contains lack and limitation because a parent, teacher, coach, or another person we respected wanted to protect us from disappointment. They told us to "be realistic", "don't expect too much", "life is hard" and many other disempowering beliefs. The moment you accept their programs, they drive your behavior and often limit your results. Following are the first steps in building the habits of a top sales performer. Habits that will drive massive action and create incredible results!

1. Set a clear and measurable goal. Make it one that you are excited about accomplishing. The human spirit will not invest itself in mediocrity - so if you want to succeed in overcoming limiting habits, your goal must create passion! As you set your goal, two things are important: it must be specific and measurable. Write "I want to make $70,000" versus "I want to make more money." When your goal is measurable you will know exactly when it is accomplished.


2. Write your goal in the present tense. This will cause you to fully associate to the achievement of your goal. Your subconscious mind is totally deductive, and therefore, it accepts anything that your conscious mind gives it without question. Consequently, correct phrasing is imperative. Write your goal as "I am so happy that I earn a minimum of $70,000 per year" versus "I want to earn $70,000 per year". Write your goal as if you already have it right now.


3. Write your goal every single day, carry it with you everywhere you go, and read it as often as possible. Remember, you are developing habits of the highly successful - new ways of thinking and acting. Therefore, if you get tired, or you find yourself thinking this step is redundant, realize that it has taken years to create your current programming and it will take concentrated effort for it to be replaced.


4. Take action and make daily decisions with your goal in mind. In other words, ask yourself the question "What decision would I make right now or what action would I take right now as a $70,000 income earner?" When you answer the question - act! If you act based upon your current status you will continue to create your current results.

Any time you experience frustration with these action steps, realize that it is caused by your old programming trying to push you back into old behaviors. The mark of a master is the person who has the ability to give themselves a command - and then follow it!

Commit to these 4 steps for 30 days. I promise it will make a positive impact on your sales and life results.

Steve Mandell And Why He Loves The New Appraisal Process

Steve Mandell an AMS branch manager for the past two years, has really enjoyed the convenience of the new appraisal process. Since AMS has been involved with H.K. Bentley, the recent AMS partner that now oversees the appraisal process, Steve agrees that the appraisal process has gotten extremely easy. "To request an appraisal all you do is go to www.amsbank.com and click on the ORDER APPRAISAL link and use the H.K. Bentley interface to order an appraisal." said Steve. Steve also feels that using the H.K. Bentley service gives him the availability to do loans throughout the country. He also likes the fact that you can request to have your favorite appraiser added to the H.K. Bentley list of appraisers, simply by calling and requesting that they be added. Steve said, "Once your appraiser is added to the H.K. Bentley list they will probably get more work than ever before." Another part of the new process that Steve enjoys is that once the appraisal has been performed H.K. gives you more insight on why the home was appraised for that amount. "By being able to understand the details of an appraisal it can help save a loan in the future, the more you know can help you talk to your clients and show them why an appraisal didn't come in for the amount that they were hoping for and help them understand and save a loan." He said.

Other than his military career Steve has always run his own business. He worked with relocating large commercial companies for commercial real estate firms in New York and was one of project managers for the largest move in the history of the United States at the World Financial Center just opposite the World Trade Center for 13 years. But Steve feels that this is the best place to learn and have the ability to move up in the industry and have all the support behind you. "You should never lose a loan with all the support that AMS provides," said Steve.

By using the wide variety of loans through AMS Steve feels that he doesn't have to focus on one kind of borrower. He said "we are in a unique position with AMS that we can offer such a large variety of products and help most anyone that is in the market for a mortgage and the new AU systems let you get approvals almost instantly." The support is another thing that Steve feels is really beneficial right now and has experienced the help all the way through the loan process.

When Steve is not working he enjoys to travel and ride motorcycles. Also he enjoys reading and doing research on the computer. He is married with 3 children and 2 step children. They are all grown and he enjoys visiting them.

Crab, Avocado and Watercress Sandwiches

Ingredients:
• 3 tablespoons mayonnaise

• 1 tablespoon snipped fresh chives

• 1 teaspoon lemon juice

• 1 cup chopped cooked fresh lump or jumbo crabmeat or drained pasteurized canned lump crabmeat, flaked and cartilage removed

• 1/8 teaspoon ground white pepper

• Dash kosher salt or salt

• 8 slices thinly sliced firm-textured white or wheat sandwich bread

• 2 tablespoons butter, softened

• 1 avocado, halved, seeded, peeled and sliced

• 1/2 cup loosely packed watercress (thick stems discarded), rinsed and dried

• Chives

Directions:
1. In a small bowl, combine mayonnaise, 1 tablespoon chives, and lemon juice. Add crabmeat; stir with a fork to combine. Season with white pepper and salt.

2. Spread one side of each slice of bread with butter. Arrange avocado slices on half of the buttered bread slices. Top with crab mixture. Add watercress. Top with remaining bread slices; buttered-side down. Trim the crusts from bread. Cut each sandwich into 3 equal pieces. (Sandwiches can be filled and refrigerated, covered tightly with plastic wrap, for one hour before serving.) Garnish with additional chives before serving. Makes 12 small sandwiches.

Steve's Beverage Recommendation

With this meal Steve recommends:

Bellini

Ingredients:
• 12.5ml Crème de Pace

• A Dash of Peach Bitters

• Quarter of a fresh peach (Skinned)

• Champagne

Directions:
1. Blend the Peach with the Crème de Peche and Bitters then pour into the bottom of a Champagne Flute, top with Champagne and stir

2. Garnish with a peach ball in the bottom of the flute

Joke Of The Week

Talking Dog

A guy is driving around and he sees a sign in front of a house: "Talking Dog For Sale."

He rings the bell, and the owner tells him the dog is in the backyard. The guy goes into the backyard and sees a labrador retriever sitting there.

"You talk?" he asks.

"Yep," the lab replies.

"So, what's your story?"

The lab looks up and says, "Well, I discovered that I could talk when I was pretty young. I wanted to help the government, so I told the CIA about my gift, and in no time at all they had me jetting from country to country, sitting in rooms with spies and world leaders, because no one figured a dog would be eavesdropping. I was one of their most valuable spies for eight years running.

"But the jetting around really tired me out, and I knew I wasn't getting any younger, so I wanted to settle down. I signed up for a job at the airport to do some undercover security work, mostly wandering near suspicious characters and listening in. I uncovered some incredible dealings and was awarded a batch of medals. I got married, had a mess of puppies, and now I'm just retired."

The guy is amazed. He goes back in and asks the owner what he wants for the dog.

"Ten dollars."

The guy says, "This dog is amazing. Why on earth are you selling him so cheap?"

"Because he's a liar. He didn't do any of that stuff!"

The Winner Of The Latest Puzzle

The winner of the "Numerical Pyramid" with a correct answer of 1,000 is Gloria Dwinell.

Solution:

The answer can be calculated in 2 ways:

1. Write out the numbers for each row all the way through the 10th row. Then add all the numbers in the 10th row.
91+93+95+97+99+101+103+105+107+109 = 1000

2. The sum of each row is actually the row number cubed. 1³=1, 2³=8, 3³=27... So the sum of the 10th row is 10³ totaling 1000.

Housing Bubble Watch: Housing Sector No Longer Fueling The Economy

Slower economic growth and rising inflationary pressures are cited as competing trends in the U.S. economy by Freddie Mac in its monthly Economic Outlook for August which was released on Wednesday.

The report contrasted the growth in the economy during the first half of the year which was perking along at 4 percent (annualized) but is expected to be at a 3 percent level the second half of the year and inflation which was a moderate 2.2 percent in the first quarter of the year then reached 5 percent in the second half, driven largely by the price of energy and labor.

The economy, according to July employment numbers released by the Department of Labor, produced only 113,000 jobs and unemployment increased by .02 percent to 4.8 percent, which is counterbalancing the risk of energy driven inflation.

Slowing growth and rising inflation are squeezing the housing sector because the former causes family incomes to rise more slowly and the latter has been driving interest rates higher. The housing sector is no longer fueling the economy as it has since the 2001 recession the report concedes, but 2006 will still be the third strongest year for home sales in history and residential investment and housing consumption are still contributing strongly to GDP growth. Investment was contributing about 6 percent and housing consumption around 10 percent during the first half of the year.

Echoing information from a second quarter report on refinancing released earlier in the week, the Economic Outlook states that homeowners are combating rising risks in the economy through refinancing; trading in adjustable rate mortgages for fixed rate products and consolidating first and second mortgages into first mortgage loans to lower monthly payments. The report estimates that $500 billion in first mortgages and $650 billion in second lien loans will be refinanced this year and that a total of $155 billion was pulled out of home equity through refinancing in the first half of the year. However, the report points out, as house price appreciation slows, homeowners will be increasingly unable to use such refinancing to balance higher interest rates with slower income growth.

Looking forward, Freddie Mac economists have made some small changes from last month's projections. For example, growth in the GDP was scaled back for the remainder of this year and for 2007 from 3.6 to 3.5 percent and 3.3 to 3.2 percent respectively.

Housing starts are dropping due to slowing housing market activity and figures for the second quarter came in at 1.88 million units for the second quarter which was below the July estimate of 1.91 million. Consequently Freddie downgraded the forecast for the end of the year from 1.92 million to 1.90 million units. This does not include condos. The report points out, however, that this is still 50,000 more units than were built in 2003.

Home sales are also slowing slightly faster than anticipated. They were down 5 percent in the first half of this year compared to 2005 and Freddie is now projecting 6.90 million single family home sales in 2006 and 6.46 million units in 2007. The July Forecast projected slightly higher sales of 6.96 million in 2006 and 6.49 million in 2007. The estimates for price appreciation, however, were up slightly from last month - 7.1 percent this year and 6.4 in 2007 compared with July estimates of 7.0 and 6.2 percent.

Single-family mortgage activity is expected to run 13 percent behind last year, primarily because of decreasing refinancing activity which represented 44 percent of all applications in 2005 but will drop to 38 percent this year. At the same time the total outstanding mortgage debt will be up 12.6 percent in 2006 from 2005 reflecting still strong construction, sales, and cash-out refinancing activity.