Should You Rent, Or Buy?: The 3 C's

Many people are confronted, by the need, to make a decision, whether they should, buy, a home of their own, or, rather, rent a place, to live. We often state, owning a home, is the American Dream, but, unless/ until, we make our decisions, wisely, we might risk, the dream, becoming, more of a nightmare, than dream! Therefore, this article will briefly discuss, examine, and review, the so - called, 3 C's, of making the best personal decision, in this manner. 

1. Cash reserves: Before one buys, he must put together, significant cash reserves, so as to do so, wisely, and with far less stress! Not only is this essential, in terms of putting down a down - payment, and qualifying for a mortgage, but also, preparing for the potential necessary repairs, maintenance, renovation, and/ or any other obstacle, thrust in the face, of a homeowner. On the other hand, renters have a far more predictable, scenario, and potentially, less stress! Examine your personal situation, needs, wants, and priorities, and make the best decision, for you, and your needs, and goals!

2. Credit Rating: In order to obtain the best possible mortgage, if/ when you buy a home, you must pay keen attention, to creating, and maintaining the finest possible, credit rating. Before beginning your home hunting quest, obtain a copy of your credit report, and pay keen attention, to improving it. Avoid making costly mistakes, and if you decide to purchase, avoid taking out, any new credit, or borrowing, in the 6 months, or so, prior to seeking the mortgage. Become credit savvy!

3. Comfort zone: Each individual is different, and different things/ factors make some far more comfortable owning, while others are more comfortable, renting! Know your comfort zone, and act wisely, so you balance, comfort, with your needs, goals, and family situation!

Use the 3 C's, to help you determine, if renting, or buying, is best, for you! A wise, prepared person, acts wisest, in this regard!

Surviving In The Age Of TRUMP

Whether one is a supporter, or detractor, of President Donald Trump, most agree, we are witnessing a period, in American history, unlike any other, in recent memory! While his supporters, seem enthusiastic, and happy about this, many others, appear threatened, and disturbed! I have never observed, so much, daily attention, paid on the behavior, and articulations of any leader, and most public opinion polls, seem to indicate, we are at a record - high, in terms of the consistent unease of much of our citizens. With that in mind, this article will attempt to review, consider, and discuss, using the mnemonic approach, much of what this means, and represents, and some possibilities, in terms of surviving, in this age of TRUMP.

1. Take time; timely; trends: Take a deep breath! Take the time, to fully consider, the difference between empty rhetoric and promises, as well as vitriol, and playing politics, as opposed to concerning policies, etc! Are the ideas timely, or merely blaming and complaining, about the past! Know the trends, and seek the finest, most relevant, sustainable, viable approach, and solutions!

2. Relevant; relax; responsive; reasoning: Introduce relevant alternatives to policies you feel are detrimental, and/ or, wrong, and do, so, in a relaxed, calm way, which is responsive, to the true needs, of the nation! Don't just complain about what you don't like, but demand your finest reasoning, and articulate a positive, relevant, sustainable manner!

3.  Useful; usable; urgent: Oppose what's wrong, with useful alternatives and options! Your approach must be usable, and you must display, and articulate a compelling, alternative message, which becomes an urgent, positive, call - to - action!

4. Make mark; mention; motivations: Simply complaining, achieves little, nor helps make things better! Seek to make your mark, for the better, by mentioning, how, when we work together, for the common good, we are all motivated, to enhance, and build upon, those freedoms and liberties, many feel, are being challenged, today!

5. Planning; priorities; perceptions: Don't seek to merely, survive, but rather, how to effectively, make America better! This requires much thought, and effective planning, so all our perceptions, focus on ways, we can, rather than what we are witnessing!

Making America Great Again, must mean, better understanding what has always distinguished us, in the past! It's up, to each, and every, one of us!

Leaders LISTEN Before They Talk

Although, for most, their favorite sound, is the sound of their own voice, in order to become a real leader, one must commit to consistently, effectively LISTEN, before they talk! This is often, quite a bit more difficult, and/ or, challenging, than it might seem and appear, because it is contrary to much, of our day - to - day, human nature. This important behavior requires proceeding, with a high degree of commitment, and discipline, and the understanding, no one, knows - it - all, or has all the answers. How can anyone, fully understand, the perceptions, and priorities, of those one serves, unless/ until, he proceeds, accordingly? With that in mind, this article will attempt to briefly, examine, consider, and review, using the mnemonic approach, some of what makes this, such an essential, core component of meaningful, effective leadership.

1. Learn; leadership; lessons: One only listens, effectively, when the objective is, truly learning, from every experience, and conversation, and try to make a quality difference, for the better! This is a core component of real leadership, and when one learns, relevant lessons, he begins to become a better leader!

2. Ideas; ideology; integrity; imagination: True leaders introduce ideas, which inspire and motivate constituents, and align with the ideology, of the organization! This must be combined with absolute integrity, and the imagination, to go beyond, the ordinary, and/ or, same - old, same - old!

3. Serves; system; sustainable solutions: Every leader must understand, who he serves, and proceed, accordingly. He must conceive and perceive of, create, and implement, the best system, focused on creating sustainable solutions!

4. Timely: If the focus is on the past, you aren't leading! Great leaders avoid backward - thinking, same - old,. same - old, ways, as well as realizing, they must avoid procrastination, and be ready, willing and able to make well - considered, timely actions, based on quality, and relevance!

5. Empathy; emphasis; energize; excellence: In order to proceed, with the utmost excellence, he must place his emphasis, on proceeding, with genuine empathy, and a desire to energize others, toward the common good!

6. Needs: Effective leaders emphasize needs, of the organization, and constituents, they serve, and represent!

Are you fit to be a leader? Will you LISTEN, before you talk?

Why Are You Fit To LEAD?

You believe strongly in the heritage, mission, beliefs, and vision/ purpose, of a particular organization, so much so, you want to serve in a leadership position. While groups need individuals, who are ready, willing, and able, to serve, and do so, with the utmost commitment, it's important to first, introspectively, and objectively, examine your reasons for wanting to do so, and whether, you are fit to LEAD! With that in mind, this article will attempt to briefly, examine, consider, and discuss, using the mnemonic approach, what this means and represents, and why it's such a key, core component, and principle, of becoming a true leader.

1. Listen; learn; leadership: No one, no matter how committed, trained, qualified, and otherwise, ready to serve as a leader, has all the answers, and must never believe he does! True leadership begins with the ability and willingness to focus more on effectively listening, to others, in order to discover their perceptions, and priorities, and learn, from every conversation, and experience. Once this is one's attitude, and practice, he becomes more qualified, for meaningful leadership!

2. Empathy; emphasis; energy; excellence; endurance: When one focuses, as above, he becomes capable of consistently proceeding with the utmost degree of genuine empathy! He, then, places his emphasis, and most of his energy, on proceeding with a dedication, to his utmost degree of personal excellence! When this is combined, with focus, and endurance, he becomes more fit, to lead, and make a difference, for the better!

3. Attitude; attention; aptitude; articulate; agreement: True leaders possess a genuine, positive, can - do, attitude, combined with a willingness to pay keen attention, to what, the strengths and weaknesses, of the group, might be! Combining that with a well - developed, quality aptitude, and a willingness, readiness, and ability to clearly articulate a motivating, inspiring message, his focus becomes on creating agreement, for the common good!

4. Delve deeply; deliver; dedication; deserve: Those, fit to lead, delve deeply into options and alternatives, and deliver, their best possible commitment, and service! This requires true dedication, and only, then, will the individual, deserve, and earn, the respect of others!

Will you be fit to LEAD, and make a difference, for the better? Are you, up to the task?

3 Professionals, Smart Homeowners Must Trust & Count On

Since, for most people, their house, represents, not only the fulfillment of a key component, of the American Dream, but, also, their single - biggest, financial asset, doesn't it make sense, to proceed, as a homeowner, in the most prepared way, and be ready, for any obstacles and challenges? While a minority of individuals, possess the technical skills, abilities, and expertise, to analyze, recognize, and be capable of repairing systems, etc, which need attention, most, do not have these skills, etc! Therefore, a wise homeowner, asks around, and seeks, in advance, a small panel of quality technicians, and crafts - people, who can repair issues, while they are challenges, before they become problematic! With that in mind, this article will discuss, 3 of these.

1. Electrician: Every house, at one point, or another, requires the services of a professional, electrician! This person must be reliable, honorable, capable, and avoid, making issues, out of minor challenges, as well as recognizing true problems, from the onset! Using the wrong person, not only risks being dangerous, but, also, creates unnecessary stresses, and tensions. Before buying a house, have a qualified individual, check all the sockets, outlets, lights, electrical circuit box, etc, so as to reduce major problems!

2. Plumber: Plumbing issues, include: toilets, sinks, hot water tanks, water pipes, clogs, etc. It's important to have someone, who not only has the necessary skills, but is also, reliable, dependable, and fair/ honest. Ask your neighbors, etc, who they use, and whether they would recommend these individuals, and why!

3. Handyman: Having someone, who is capable of taking care of issues, as they arrive, in a wide variety of areas/ skills, is a smart approach, to home ownership! One's handyman should be responsible, responsive, skilled, and reliable, as well as fair and honorable! Holes in walls, minor repairs, small renovations and changes, etc, are needed, and necessary, for enjoying a home.

Homeowners, who are best prepared, become the happiest, and least stressed! Will you be ready, to own a home, of your own?

Why Public Leaders Must Earn Our RESPECT?

Far too often, we observe individuals, who are public officials, who appear, to believe, they deserve respect and admiration, solely because of the position, they hold. However, we live in a democracy and republic, not a totalitarian nation, and, thus, our elected officials, should, and must, earn our RESPECT, not by their empty promises, rhetoric, vitriol, etc, but, rather by their actions, and intentions (both actual, and perceived). With that in mind, this article will attempt to briefly examine, why this matters, and what it means, using the mnemonic approach.

1. Relevant; responsive; responsible; realistic: We seem to be living in a somewhat, surreal time, when our President, seems to believe, he is, either above the law, or doesn't need to serve and represent all the people! Many, including me, refer to this, as "Trump World," because it often, seems, Donald Trump, pays little heed, to telling the truth, if it doesn't support his personal/ political agenda, and/ or self - interest. Calling the media, Fake News, and the Enemy of the People, appears to be counter, to the basic, American principle, of Freedom of the Press. His Make America Great Again, seems to focus on the past, rather than pursuing, relevant, responsive, responsible, realistic, and/ or sustainable solutions, and he focuses, on his core supporters, rather than the common good!

2. Empathy; emphasis: Even his greatest supporters, would probably not proclaim, President Trump, possesses, or proceeds with genuine empathy! To earn the respect of most, one should focus on the common good, and needs, rather than placing his emphasis, solely on the perceptions of his core!

3. System; service; sustainable solutions: How can anyone earn respect, unless he clearly articulates, a well - considered, system, and focuses on service, to nation, and all its citizens? There can be no place, for band - aid approaches, but, we need, leaders who consider, and introduce, the finest, sustainable solutions!

4. Priorities; planning: Closely examine, a leader's priorities, and focus! Does he, merely use empty rhetoric, and make promises, or does he commit to the utmost level, of quality planning?

5. Efforts; energize: How one focuses his efforts, goes a long way, towards whether it energizes the nation, in a positive manner?

6. Character; creative: We need public leaders, who exhibit the finest character, focused on service, and the public good! Rather than merely looking at the same - old, same - old, we need individuals, who proceed, in a creative, fully considered, focused way!

7. Timely: There is no place for procrastination, but a public official, must seek to provide, well - considered, timely ideas, strategies, and action plans!

Don't go back, to the past, but demand, officials, focus on relevant, sustainable ideas, and solutions! Wake up, America, and demand, those seeking office, go beyond empty promises, but seek quality solutions!

Why Real Leaders Make Others Feel They BELONG?

A positive, can - do, attitude, and a well - developed, skill - set, and relevant aptitude, are certainly, necessities, of effectively leading. However, these alone, will often, be less, than sufficient, unless/ until, a leader focuses on those he serves, inspires, and motivates, them, proceeds with genuine empathy, and consistently, does all he can, to clearly show his constituents (each and every one), how, and why, they BELONG. A reality of organizations, is, for them, to proceed to exist, in a relevant, sustainable manner, is, consistent, persistent growth, which is only possible, when existing constituents, are inspired to getting further involved and committed, and potential ones, are convinced, belonging to this group, is worthwhile, and beneficial! With that in mind, this article will attempt to briefly examine, review, and consider, using the mnemonic approach, why this matters.

1. Benefits; beliefs; believable; bring it: A leader must articulate, clearly, the benefits of belonging to the specific organization, rather than merely some of the history, heritage, etc. How do the beliefs of the potential constituent, match - up, with the core principles, of the group? Is the leader believable, because, unless, others, believe in him, they will generally, pay little attention? A true leader realizes, he must bring it (his best), every day, in every way!

2. Efforts; empathy; emphasis; energize: How will others perceive your efforts? Will you proceed, with the utmost degree of genuine empathy, so as to emphasize, what means the most, do them, and, thus, energize them, and the group, as a whole?

3. Listen; learn; leadership: To most of us, the sound, of our own voice, seems to be our favorite sound! However, effective leadership comes from the discipline, to listen far more than speaking, and do so effectively, in order to constantly, and consistently, learn, from every conversation and experience!

4. Options; opportunities; organized: Only when one considers various, viable options and alternatives, with an open - mind, will he positioned, to recognize, and take advantage of the finest opportunities, to benefit the group! It requires being organized, enough, to effectively, and efficiently, make a difference, for the better, in a well - considered, timely manner!

5. Needs: Nothing one does, will inspire and motivate others, until/ unless, it focuses on the actual, as well as perceived, needs, of the stakeholders, and organization!

6. Generate goodwill; growth: Groups either, consistently undergo, relevant growth, or they will fail to be sustainable! It's essential to proceed, at all times, in a way, which generates goodwill, by clearly focusing on the best interests, and common good, rather than any personal/ political agenda, and/ or, self - interest!

True leaders show others, they BELONG! Are you the right person, to be a leader?

The KEYS To Effective Leadership

Wouldn't it make finding quality leaders, far easier, if there were certain basic ways, to identify, qualify, and relevantly train them, in order to ensure, we elected, selected, etc, the best people, to serve, in specific positions of leadership? After more than 4 decades of involvement, in nearly every relevant component of doing so, I believe, although, there is no, one - way, of doing so, in a quality manner, there are certain KEYS to producing and implementing the most effective leadership. With that in mind, this article will attempt to review, consider, and briefly discuss, using the mnemonic approach, some of these important principles, etc.

1. Knowledge; keeps: Obviously, leading effectively requires certain relevant knowledge! However, until/ unless one not only accumulates this, but proceeds forward, effectively, and in a timely, well - considered manner, to create and implement the best strategic plan, in order to introduce, and implement the finest possible, action plan, he still is not leading! This means, one must be capable of differentiating between irrelevant information, and what he needs to keep, maintain, and pay attention to!

2. Empathy; emphasis; energize; excellence; endurance: One must commit to consistently listening effectively, and learning from every conversation and experience, in order to proceed with the utmost degree of genuine empathy. This will/ should lead him, to knowing, where to place his emphasis, so it energizes his organization, and stakeholders. It requires a commitment to demanding the utmost degree of personal excellence, rather than settling for good - enough, while proceeding forward, with the necessary degree of endurance, to persist, when others give up!

3. You; your: Will you be ready, willing, and able, to assume, and accept personal responsibility, and make this your pledge? In other words, quality leaders recognize, and realize, It's up to you!

4. Service; system; sustainable solutions: Genuine leaders understand, leading requires a consistent commitment, and priority, to the utmost degree of service, to his group, and stakeholders! It requires proceeding with a well - considered, system, and avoiding band - aid approaches, in order to consider, create, and implement relevant, sustainable solutions.

Effective leadership requires training, commitment, a positive attitude, and a high degree of persistence! Are you ready for these responsibilities? 

4 Needed Reserves, For Less Stressful Home Ownership

The better prepared, and ready, a homeowner, the less stressful, and more satisfying, the experience of home ownership, becomes. In order to prepare, one must recognize, and consider, and examine, 4 needed financial reserves, in order, to avoid unnecessary stresses, etc. While these aren't the only challenges, they are the most common, and, thus, creating these reserves, and committing to all the necessities, and discipline, the happier, and easier the overall experience. Here are a few of the approaches, and possibilities.

1. Monthly costs/ predictable: The predictable costs of home ownership, are those, you are fully aware of, from the onset! The wise homeowner, creates a reserve, of from 4 to 8 months, so, as to be prepared, for any negative contingencies, etc. These costs include the mortgage principal, and interest, escrow for real estate taxes, insurance, etc. Remember, while the principal and interest, might remain the same, real estate taxes often increase, annually, as do insurance premiums, etc. In addition, there is often, insufficient funding of the escrow, and it is recalculated, after the first year, or so.

2. Repairs/ unexpected and unanticipated: Along with owning a house, comes those unexpected, but necessary repairs! While some of these might be minor, the ever - increasing costs of hiring a plumber, electrician, roofer, etc, makes being prepared, a wise move. Funding this reserve, with an additional 6 months, or so, of reserves, is a wise approach, although requires commitment and discipline!

3. Maintenance - regular: Performing regularly scheduled maintenance, often, minimizes, further exposure, caused by being inattentive, or unprepared! Consider the possibilities, which includes seasonal maintenance, fixing minor issues (before they become major, etc), is a smart approach, but how one pays for these, is a necessary consideration!

4. Renovations - future needs, updating/ upgrading: When we first, purchase a home, of our own, our needs, may be somewhat different than they become, in the future! While, unlike the first three scenarios, can and should not, be delayed or put off, we can delay renovations, but, to enjoy, fully, where we live, we often need, to renovate and update/ upgrade. Only by planning, and disciplining ourselves, to have reserves, etc, will this be achieved, without undue stress!

The better prepared one is, the happier the home ownership, experience! Will you discipline yourself, so you are your own, best friend?

The 3 C's Of Protecting Our Environment

America, and, thus, the rest of the world, is at a crossroads, because of many current situations, but, perhaps, the one, which most threatens and endangers, the future of our planet, is the battle, going on, between short - sighted, focus on either greed, or short - term economic impacts, and protecting the environment, and stemming, some of the negative possibilities, and ramifications, of climate change. President Donald Trump, unlike most of his predecessors, in recent times, as well as a significant portion of the rest of the world, appears to believe, and thus, denies, there is climate change. He has withdrawn the United States, from the Paris Accords, and his Environmental Protection Administration, or EPA, has reversed, many of the measures, and attempts, to reduce the negative impacts, etc. With that in mind, this article will attempt to briefly discuss, what I am calling, the 3 C's, of protecting our environment, before we destroy the sustainability of our planet, for future generations.

1. Clean Air: Over the past few decades, many restrictions, and legislation/ laws, have been enacted, and enforced, to reduce pollution, and clean our air! In fact, the level of smog, in many bigger cities, has been reduced, significantly, by restricting carbon emissions, etc. However, we have already witnessed, this administration, attempting to reverse, many of these attempts, and, we must consider, the dangerous ramifications, of this neglect! Simply denying, there are risks and issues, do not eliminate them!

2. Clean Water: We have witnessed, many so - called, 3rd World nations, hurt their citizens, by failing to provide clean water. Even in this nation, the situation, which occurred, in Flint, Michigan, point to the need, to pay far keener attention, to these risks, and the need, for greater, not less attention and focus! However, it is extremely concerning, that this administration, rather than taking the measures, in the best direction, has loosened restrictions on dumping, into the water supplies, etc. The environment should not be a political issue, but, unfortunately, has become one!

3. Car mileage standards: President Jimmy Carter was probably, the first President, to face the needs, for creating car mileage standards, in order to limit risks, etc, as well as positioning us, for a better, sustainable America! He created far - reaching, mileage goals, but the next President, Ronald Reagan, froze them, at the levels, when he took office, rather than expanding them, as originally planned. However, the current administration, has gone, even further, seeming to stress fossil fuels, over more sustainable alternatives.

Wake up, America, because, either you face reality, and protect the environment, or risk the health, and safety, etc, of future generations! Will you demand better?

Are You A REAL Leader?

How does one become a REAL leader, rather than merely, another, of the rest - of - the - pack? Why does this matter, and how does it impact, the group, one represents, and the stakeholders, he serves? While there are many factors, and some, must be somewhat, customized, based on the individual, there are certain necessities, in order to be elevated, into this rare, lofty position, etc! With that in mind, this article will attempt to briefly consider, review and discuss, using the mnemonic approach, some of these characteristics, and necessities, of being capable, of making a true difference, for the better, rather than merely holding some position of leadership.

1. Rational; realistic; reasoning; relevant: While lofty goals, and pursing as many viable options and alternatives, is important, nothing positive can occur, unless a leader, exhibits the utmost degree of rational thought, and development. He must be realistic, while pursuing options and alternatives, and seeking better! One's reasoning must be relevant, or why would others become willing to listen, and buy - into his ideas, plans, and potential solutions?

2. Empathy; excellence; emphasis; endurance; evolving: Either groups are consistently, evolving, or they will fail, to be sustainable! However, no one has all the answers, or even all the questions, and therefore, it's important to emphasize effective listening, over talking, and commit to learning from every conversation and experience. One's goal must be the utmost degree and possibility of his personal excellence, rather than settling for good - enough! This must direct his emphasis, and focus, and he must exhibit a significant degree of endurance, in order to possess the necessary persistence, to implement meaningful changes!

3. Attitude; attention; aptitude; articulate: Real leaders possess a genuine, positive, can - do, attitude, and are willing to pay keen attention, to both, relevant needs, and sustainable ramifications, etc! When they also commit to developing the quality aptitude, and relevant skill - set, and articulate an inspiring, motivating message, which connects with their stakeholders (actual and potential), they become positioned, to be real leaders!

4. Listen; learn; leadership: Perhaps, more than any other single asset, a real leader must be an effective and willing listener, and commit to constantly, learn, and become the best, he can be! When he exhibits true leadership skills, based on the best interests of the organization, and constituents, he proceeds, with the potential to become a real leader!

Do you have, what it takes, to be a REAL leader? Do you have the combination of attitude, aptitude, and persistence, to be, different from, the rest - of - the - pack?

Why Quality Leaders Seek To ACHIEVE?

Although, many, are either elected, selected, or ascend to some position of leadership, only a very small percentage of these individuals, ever become true, quality leaders! There are many significant differences, but, until/ unless, an individual emphasizes results, and seeks to ACHIEVE, whatever is the best interests, of the organization, and constituents, he serves and represents, there is no possibility of ever becoming a quality leader! With that in mind, this article will attempt to briefly, consider, review, and discuss, using the mnemonic approach, what this means and represents, and why it makes such a significant difference.

1. Attention; attitude; aptitude: What someone focuses on, and pays keen attention to, generally has a significant impact, on his overall success and impact! One must proceed, consistently, with a positive, can - do, attitude, combined with a well - developed, skill - set, and aptitude, to perform, as a true leader, should, and must!

2. Character; clarity; creative; choices: The measure of a true leader's character, is how he behaves, whether others are looking, or not! His message must be articulated, with the utmost degree of clarity, in order to motivate and inspire others, to buy - into, his ideas! When this is done, in a creative way, rather than merely the ordinary, same - old, same - old, he positions himself, to make the best choices, and select the finest options and alternatives!

3. Healing; head/ heart: One is not a real leader, unless his priority is healing, and unifying, rather than polarizing, and dividing! To do so, there must be an effort to consider, both, the emotional, as well as emotional components, in a head/ heart balance!

4. Integrity; imagination; ideas: You can't choose, when you will exhibit integrity, and when to avoid, because it may be inconvenient! One must proceed with absolute integrity, combined with a well - developed, fully considered, imagination, and the foresight, to look at both the relevant, immediate needs, as well as sustainable ramifications, and solutions! Measure the quality of your ideas, by whether they make a true difference, for the better!

5. Empathy; emphasis: Leading must never be, about one's personal/ political agenda, and/ or self - interest, but rather, based on effectively listening, and learning, from every conversation and experience, proceeding with genuine empathy, and placing his emphasis, accordingly.

6. Vital, vibrant vision: A real leader must expand the limits of his self - imposed comfort zone, and proceed forward, when others give up, because he is motivated by a relevant, meaningful, vital, vibrant vision!

7. Excellence; endurance: How can anyone achieve in a quality manner, unless he demands his utmost, personal excellence? Only when this is combined with the endurance to persist, and overcome obstacles, and seek the best solutions, will he ever, make a difference, and/ or change, for the better!

Will you do, everything possible, to seek, to ACHIEVE? Are you the right person, to be a leader?

What Are Your Housing NEEDS?

When most people, go, house - hunting, and seek, a home, of their own, they proceed, considering their emotional needs, rather than what their actual NEEDS, might be! Since, for most of us, our house, represents the single - biggest, financial asset, wouldn't it make sense, if we proceeded, in the smartest possible manner, and made wise decisions, rather than, merely, emotional ones? In my, over a decade, as a Real Estate Licensed Salesperson, in the State of New York, I have witnessed, how, many home buyers, are, either, not ready, or unwilling to focus on whether a house, will serve their needs, and priorities, and, rather, become overly attached, or detached, because of some cosmetic, or emotional factor. With that in mind, this article will attempt to briefly, review, consider, and discuss, using the mnemonic approach, some factors, which wise homeowners, might benefit, by paying far more attention to, and emphasizing.

1. Neighborhood; need: If you don't like the neighborhood, you will probably, never enjoy living somewhere.Wise homeowners walk the area, look around, informally chat with some neighbors, and discover, whether it's a good fit, for them! Does it have what you need, and seek, or, in other words, is there potential?

2. Emphasis: What is your emphasis, and does it serve your best interests? Are you focusing on cosmetic, easily addressed areas, or do you focus on what is most meaningful, and relevant? Don't become overly influenced, by, color schemes, staging, carpets, etc, but, rather, look at the so - called, bones of the home! Become an educated home buyer, rather than merely, an emotional one!

3. Energy: Have the major systems of the house, professionally examined, because these are often, the costly areas, which will have the greatest longer - term impacts (negative or positive)! Is the heating system, modern and efficient, with a better, than average, energy - rating? How expensive are the average heat, electric, etc, monthly bills?

4. Delve deeply: Avoid emotional decisions, either an attachment, or turn - off, until you delve deeply, and discover, what is going on, and whether something is a major issue, or a minor one! Look closely at relevant, construction issues, and pursue the best courses of action, to proceed, with! Consider, whether you are delving deeply, into the best approaches and possibilities, and act wisely!

5. Systems: Have all major systems, closely examined, and considered, in order to discover, both, strengths and weaknesses? Are there any issues, which need addressing, in terms of heating, cooling. roofing, water - proofing, insulation, floors, water system, etc? The more you know, the wiser you can proceed!

Know your housing NEEDS! Prioritize major issues, rather than focusing on minor, and/ or emotional ones!

Why We Need Public Leaders, Worthy Of Our TRUST?

Among, the most concerning aspects, of the numerous challenges, we face, both, domestically, and internationally, is, apparently, there are so many Americans, who merely follow, someone, based on empty promises, rhetoric and vitriol, personality and/ or celebrity, or an unwillingness, to thoroughly examine positions and possibilities, and/ or proceeding, in an apathetic manner! Most observers believe, the present period, is, perhaps, one of the most challenging, especially, in recent memory, because, rather than our leaders, articulating a cooperative message, based on unification, and the common good, based on emphasizing, a polarizing message, focused on serving their core supporters, and/ or personal/ political agenda, and/ or self - interest! Now, perhaps more than ever, we need public leaders, worthy of our TRUST. With that in mind, this article will attempt to briefly, consider, identify, and discuss, using the mnemonic approach, what this means, and represents, and why, it matters.

1. Timely: Donald Trump, successfully, ran a campaign for President, in 2016, based on a central message, Make America Great Again. If we look at that slogan, we should recognize, it represents, a philosophy, stating, this nation, is no longer great, and needs, to go, back to the past! Only when our public officials, seek timely, well - considered solutions, will this nation benefit, and become, the best, it might possibly be!

2. Relevant; responsive; realistic: What good is achieved, until/ unless, the leadership focuses on relevant needs, and attempts to be responsive to realistic priorities, rather than any personal/ political agenda? We need, to come together, for the common good, and remain true, to the freedoms, liberties, rights, and Constitutional requirements, represented by the Constitution, and Bill of Rights, as well as evolving needs, goals, and priorities, for all, not only when we support, or benefit, from any specific one!

3. Useful; usable: Rhetoric, vitriol, empty promises, misstatements, lies, distortions, etc, are never useful, in making the nation, serve all the people! We have witnessed, President Trump, reportedly, average about 6 lies, per day, and how is that usable, or worthwhile?

4. Service; system; sustainable solutions: Our leaders must prioritize service, to nation, and all the citizens, not just their supporters, or those who agree with them! They can't, merely, proceed, without effective planning, but rather, ones, with a well - considered, system, to seek, sustainable solutions, for the common good!

5. Truthful; tells: Demand officials, proceed, in a truthful way, and tell, how they will transform challenges, towards a relevant, sustainable solution!

Wouldn't it be better, if we had public officials, worthy of our TRUST? Wake up, America, and demand better representation, if you hope, to have a nation, to be proud of!

Do You Have A Leader's FOCUS?

One of the necessary intangibles, we often see, someone, hoping to be a leader, lacking, is the ability, and commitment, to proceeding, consistently, with the utmost degree of relevant FOCUS. A true leader must be organized, and committed, to emphasize, what will make a significant difference, for the better, rather than merely, proceeding, with any change, for - change - sake! Because there are generally, many obstacles thrust in one's way, and these challenges, must be faced realistically, addressed, in a well - considered, timely manner, and potential ramifications, considered, with eyes - wide - open, it requires the utmost degree of relevant focus, to serve as a true, meaningful, effective leader. With that in mind, this article will attempt to briefly, consider, review, and discuss, using the mnemonic approach, the essence of this asset, and why it matters.

1. Face facts; features; furnish; future; fruition: One's focus must begin, with a willingness, to realistically, recognize, and face the facts, and consider, the best course of action, and how to proceed. A true leader enhances the best features, while addressing weaknesses, so as to furnish, the group, and stakeholders, with the best options, towards a sustainable future. However, only when/ if, one maintains his focus, throughout the process, will he become capable of bringing his ideas, to a desirable fruition!

2. Options; opportunities; opinions: It's important to differentiate one's opinions, from actual facts, while considering, with an open - mind, the most viable options and alternatives, and positioning the organization, to be capable of taking advantage of the finest opportunities!

3. Character; creativity: You won't lead, effectively, by merely remaining within the restrictions of your self - imposed, comfort zone, but, rather, must possess, a well - developed degree of relevant creativity, while maintaining, a quality character, focused on making a difference, for the better!

4. Useful; usable; unique; urge: What one urges, others, to do, must be based on the most useful, relevant, sustainable concepts, which are, both, actually, as well as perceived as being usable! How will you place, your unique stamp, on your leadership, in order, to help others, focus on the best way, rather than the expedient approaches?

5. System; service; solutions; sustainable: You need clear focus, to perceive and conceive of, create, develop, and implement, a system, based on service, and solutions, which are not merely band - aids, for the present stresses, but, rather, consistently, relevant, and sustainable!

Will you proceed, with the best FOCUS, to effectively lead? Are you up to the task?

How A Leader Earns RESPECT?

Many of us remember the famous, Rodney Dangerfield, comedy routine, I don't get no respect. The similarity between Rodney's complaint, and, that, of many pseudo - leaders, is, while they feel, they aren't getting the degree of RESPECT, they believe they deserve, a true leader recognizes, one must earn that respect, because it doesn't automatically come, as a result of any position, and/ or status. With that in mind, this article will attempt to briefly identify, consider, and discuss, using the mnemonic approach, why this is something sought, and needed, by a quality leader, and what it might mean, and represent.

1. Relevant; responsive; reliable: Quality leadership must be, consistently, and meaningfully, relevant, both, to the organization's sustainability, etc, as well as to the stakeholders, served and represented! A real leader must be responsive to the essential goals, and priorities, as well as perceptions, or why would others, grant him that desired, respect! He must also proceed, towards seeking, the most reliable courses, of actions, which might make a quality difference, for the better, for the group, and constituents!

2. Empathy; emphasis: Only when/ if, someone realizes, he doesn't know - it - all, or have all the answers, and makes a concerted effort to listen, far more than he speaks, and learns, from every conversation, and experience, will he place his emphasis, where it is most appreciated, and his efforts are, therefore, most respected!

3. Service; systems; sustainable solutions: Why should anyone respect you, unless your focus is on service to stakeholders, and organization, rather than any personal/ political agenda, and/ or, self - interest? What systems someone puts into place, often differentiate a true leader, who deserves to be respected, and the rest - of - the - pack! A quality leader perceives and conceives of, discovers, creates, and implements, sustainable solutions, rather than merely, blaming, and complaining!

4. Priorities; planning: How someone determines his priorities, and how others perceive them, often is a major differentiation, between one, who earns the respect, and others! To achieve, and make a change, for the better, requires professional, well - intentioned, leadership planning!

5. Excellence; energize: Will you demand the highest degree of your personal excellence, or accept, merely, good - enough? Only one who follows the first path, will positively, energize others, to care more, become more committed, and involved!

6. Character; clarity; creative; choices: The measure of one's character, should be measured by whether he articulates, with utmost clarity, considers various options and alternatives, and makes his choices, after creative, thorough, consideration, and with a positive, can - do, attitude!

7. Timely: We often witness fearful individuals, who fear, making timely, well - considered, choices, and decisions, and observe, how this tendency towards procrastination, hurts their leadership, and the organization's potential relevance, and sustainability!

This article has touched upon some of the aspects of a leader, earning RESPECT. Are you willing, and able, to proceed, in that way?

Mortgage Options & Alternatives: The More You Know!

For most people, their house, represents their single - biggest, financial asset, so wouldn't it make sense, for them, to proceed, with their eyes - wide - open, and act, in the best possible manner? In addition, the vast number of individuals, take advantage of some sort of loan, and/ or mortgage, and, therefore, often, consider, their monthly costs, rather than, merely the price of the house. Therefore, this article will attempt to briefly examine, consider, review, and discuss, some of the prevailing options and alternatives, regarding the best option, for an individual.

1. Fixed mortgage: Some loans come with, so - called, points, yet, it, seems, very few, understand, what this means. One point equals 1% of the mortgage, paid, up - front, so, for example, a $300,000 mortgage, with one point, means paying $3,000, in advance. This is sometimes, related to credit, while at other times, based on the specific type of loans, and/ or paying - down the rate. The length, or term of the mortgage, generally includes: 15 years; 20 years; 25, 30 and 40 years; and while, the longer, the rate, the lower, the monthly costs, but it also represents, more total payments. It's often a balancing act, between what one can afford, and the best way to proceed. The other advantage of a fixed mortgage, is, having an accurate picture, of one's monthly costs!

2. Adjustable/ variable mortgage: These also come with the possibilities of points, as mentioned above! Other considerations should include an understanding on what rates/ index, determine, the changes, in rates, at specific periods, and what those intervals might be! In addition, one should consider, whether there is a cap, on how much the rate can change, at each period, and overall, during the life, of the loan.

3. When one type, versus other: Many factors might determine, which way to proceed. Sometimes, one may only qualify, initially, because of the proportions and ratios, used, for a Variable mortgage, because, often, these have lower initial rates. Whether the rates are relatively high, at the onset, or low, often, is a major contributing factor, in terns of which is best! One should focus on what makes him comfortable, and paying attention, to both, the immediate, as well, as long - term, monthly rates. It's important to also consider, how long, you intend, to live somewhere, as well as what makes you most comfortable. In addition, don't ignore the fact, qualified homeowners, are capable of refinancing, if that makes sense, in the future!

The more one knows and understands, the better, prepared, he might be, for owning and enjoying, his home! Will you become an educated homeowner/ consumer?

America's Crossroad: Should Laws Evolve, Or Never Change?

It often, seems, this nation, arrives, at another crossroad, and how, we proceed, and behave, might have significant ramifications, and impacts, for generations to come! To many, it feels, like, we are experiencing a period, in our history, like none, we have experienced, in recent memory! In the past, we elected Presidents, and a group of public officials, who, we might have disagreed with, from a political perspective, but, still believed, these people sought what they believed, was the best path, to proceed along. However, with the election of Donald Trump, on 2016, as leader of the free world, we are experiencing, a far different type of leadership! It often seems, politicians, only, are strict believers, in laws and the Constitution, when it serves their political/ personal agenda, and/ or self - interest, but, abandon, that rigidity, when they seek some change! We must consider, whether our laws should, and must evolve, or never change!

1. Never change: The only things, which must never change, if the United States of America, is to remain, as the leader of the free world, are our respect for all the freedoms, liberties, and rights, we were founded upon, and were considered, by the writers of our Constitution, and Bill of Rights! Unfortunately, many politicians, only seem to respect the freedoms, they selectively choose, and seem to like, rather than all! How can someone proclaim, his belief in the 2nd Amendment, while railing against many of the core principles, of the 1st Amendment? President Trump, often, articulates a message, which seems to oppose a Free Press (unless it always supports him, and never criticizes anything, he supports, or him), as well as participating, in an argument with the N.F.L., about whether players, have the right to kneel, although the Supreme Court, generations ago, determined, our freedoms, included the right to refuse to take any pledge, if an individual makes that decision. The 2nd Amendment, argument, is a strange one, because, it actually referred to the Right to Bear Arms, from the perspective of, state's rights to maintain a free militia, for protection against foreign threats. No politician has the right to determines, which rights should be followed, and which, ignored!

2. Evolve: Although President Trump, states he is a denier of Climate Change, although the preponderance of scientific evidence and qualified scientists/ experts, strongly believe, it is fact, his directives to over - ride many of the environmental protections, might have long - term, undesirable ramifications! Although the nation was founded, on the basis of, All men are created equal, in the early part of the 20th century, we evolved, finally, and included women's right to vote, as well! It took decades longer, to finally implement Civil Rights legislation, as well. Today's battles include many other aspects of equal rights, including the LGBT communities, rights, to equality! This President has attempted to skew the Courts, to ensure this blind - policy, haunts us, for generations!

We don't make America Great Again, by going back, or denying facts! Rather, we need, to balance all freedoms, with evolving needs, into the future!

Essentials of FINEST Leadership

Although, many people, are elected, selected, or ascend to positions of leadership, very few, actually become the FINEST possible leader. In this age, where we are witnessing, and ever - increasing, dearth of genuine leadership, which is one of the primary reasons, so few organizations, remain strong, relevant, and sustainable, wouldn't we better served, if groups' leaders, were better prepared, to make a difference, for the better? In my, over four decades, of identifying, qualifying, training, developing, and consulting, to thousands of actual, as well as, pseudo - leaders, I have attempted to emphasize, some of the characteristics, traits, abilities, etc, a real leader, needs to possess. With that in mind, this article will attempt to briefly examine, consider, review and discuss, using the mnemonic approach, what this means, and why it matters.

1. Face facts; future; furnish; fruition: One must avoid burying, his head, in the sand, and be willing to face the facts, and consider, both present needs, and challenges, as well as how to proceed forward, to ensure the best future! He must furnish the skills, and true leadership, to transform ideas, to fruition, in a relevant, sustainable manner.

2. Integrity; imagination; ideas; ideology: We, unfortunately, witness, far, too few, individuals, who possess, and proceed, with absolute integrity! A true leader must start there, and then possess, a relevant imagination, to consider options and alternatives, with an open - mind, and introduce the best ideas, to achieve great objectives, which align, with the ideology of the organization.

3. Needs: If it doesn't focus on, and address the genuine needs, of stakeholders, and the group, it isn't leading! To do so, a meaningful leader must put the needs of others, ahead of any personal/ political agenda, and. or self - interest!

4. Empathy; emphasis; energize; excellence: Begin by effectively listening, far more than speaking, and commit to consistently learning from every conversation, and experience, so as to proceed, with relevant, inspiring, genuine empathy! This must direct, where one's primary emphasis, should be placed, in order to energize others to greater commitment and involved, and, thus, become more capable of providing, the degree of excellence, an organization deserves!

5. Service; system; sustainable solution: Measure one's quality, and degree of leadership, on, whether it provides the utmost service, to those he serves and represents! It's essential to develop, a quality system, and avoid empty rhetoric and promises, while introducing the finest, sustainable solutions!

6. Timely: Since procrastination, is, generally, the death, of genuine leadership, one must proceed, forward, with well - considered, timely action!

Will you use the essentials of FINEST leadership? Why do you wish, to be, a leader?

Leaders Must Make The MOST Of Opportunities!

If you have ever watched any sports competitions, you've probably observed, the winners, generally, especially, in closer contests, are those, who, take advantage of, and make the MOST of opportunities! When it comes to effective leadership, this is even more so, because, as I have witnessed in my over 4 decades of involvement, in nearly every aspect of leading, and planning, although we sometimes, observe, individuals, who appear to possess the same quality, positive, can - do, attitudes, as well as well - developed, relevant, aptitude, and skill - sets, certain people become far more effective, relevant, significant, sustainable leaders! How one proceeds, in terms of being ready and capable of recognizing, and handling those opportunities, which might present themselves, as well as whether, someone, is able to perceive and conceive of, create, develop, and use the finest opportunity, differentiates the greatest leaders, from the rest - of - the - pack! With that in mind, this article will attempt to briefly consider, examine, review, and discuss, using the mnemonic approach, why this makes a difference.

1. Make mark; motivate; mention; master: How can anyone make their mark, for the better, until/ unless, he proceeds forward, and masters the necessities of leading? Often, these, otherwise - qualified individuals, forget the need, to motivate constituents, in a positive way, by mentioning, and thanking others, for any, and every effort, etc!

2. Overcome obstacles; options; opinions: There are always challenges to leading, and one must be ready, and able, to consistently overcome obstacles, by considering and examining viable options and alternatives, with an open - mind! In addition, a true leader possesses the self - confidence, to articulate his opinions, in the best interests of his constituents, and organization!

3. System; service; sustainable solutions: True leaders place their unique stamp, on their leading, by perceiving, and conceiving of, creating, developing and implementing, their finest system! It must emphasize service to constituents and organization, rather than any personal/ political agenda, and/ or, self - interest! It's not genuine leadership, if the focus is not, on relevant, sustainable solutions!

4. Trendsetter; timely: We need leaders, who are prepared, and ready to be trendsetters, and expand the restrictions, of their self - imposed, personal comfort zones! However, unless they overcome the tendency to procrastinate, by proceeding forward, with well - considered, timely actions, they will not lead, as is needed, and necessary!

Will you be willing and ready to make the MOST of opportunities? How will you ensure, you're up, to the task, and challenges?