THE CHOICES WE MAKE!

by bobcenk 4. February 2013 09:18

Life is all about choices.  When we are young we must choose between chocolate ice cream and vanilla ice cream, playing kickball or riding a bike or what cartoon to watch.  While at the time, they are life-altering choices we realize a few years later that they were silly and now there are much more important things to choose between…..studying or going out, Xbox or Playstation, soccer or basketball.  And once again, we find that although these decisions were of the utmost importance at that very moment in time, we look back on them a few more years later and realize that in the grand scheme of things, they really weren’t that important!  But now, as we are just starting out and learning to be independent and do things for ourselves without the luxury of our parents to do it all for us, we are besieged by a whole new set of choices and at times, many of them are rather complicated and difficult to make.  Should we become a doctor or a lawyer, what college to choose, do I get in a car with somebody that has had a drink or two….tough choices that CAN shape the rest of our lives.  These choices and our ultimate decisions will determine the paths we take from this point on.  These choices will be the foundation for all future choices so they must be thought out, agonized over, made with a clear mind and 100% confidence and trust in ourselves.  That is not to say that every choice we make will always be the right choice but all we can do is what we think is right at that time and then we learn from them, grow from them, accept them and if needed, make a different choice the next time around.  Life is all about choices but you are the only one that can make them for you.  So make your choices and own your choices but do not be tied to them.  After all, the next choice is always whether or not to accept what you have chosen or to change it – it’s your choice, choose wisely!

 

~ Good Climbing

   Bob Cenk

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MAKING IT THROUGH THE GROWING PAINS!

by bobcenk 21. January 2013 09:15

Growing Pains Definition:   problems associated with the early stages of something such as a developing project

We all know that our kids go through the proverbial “growing pains” whether it’s pains in their knees during a growth spurt or the pains of going through adolescence, no need to elaborate on that one….

But did you know that you can also experience growing pains in your business?  You might call them mistakes, bad decisions, regrets, etc., but whatever you call them, they are really just growing pains.  Because even in business you will have growth spurts and those awkward periods of not really knowing what to say.

So what do we do?  I say we live and learn.  We must work our way through them and put up with the sleepless nights, the aches and pains and the uncomfortable silences and when all is said and done we will have emerged as a stronger unit, which is all we can really hope for, whether we are muddling our way through growing pains at home or at the office.  Past experience has shown that a few growing pains never hurt anyone and if you really stop to think about it, you just might be able to find some good things that you learned through these difficult times.  So when you experience your own growing pains, don’t run from them, just take them in stride and let each day play out and at the end of the day, you should be able to take some comfort in the fact that everything is exactly the way it is supposed to be at that given moment.  Just keep in mind….that businesses, just like kids, change minute by minute so it is up to you to adjust and adapt to them because they will NOT adjust and adapt to you.  

When growing pains hit, you should be able to say that you have done your best and given your all to work them out.  Take notes and put them to memory of what you did and how you responded and the final outcome so when they come again, and they will, you may just be one step ahead of the game.  Remember the definition:  “problems associated with the early stages of something such as a DEVELOPING PROJECT”.   Your business will always be a “developing project” as ideas change, people come and go and personalities clash, but you will eventually reach that plateau and all will be calm and quiet, at least for a while, but when you start to feel those twinges of pain, take a deep breath, review your notes and go with the flow through all the ups and downs until you arrive at your next destination.

 

Good Climbing

~ Bob Cenk

WILL YOU TAKE THE CHALLENGE IN 2013?

by bobcenk 31. December 2012 07:09

DEFINITION:  A New Year's resolution is a commitment that a person makes to one or more personal goals, projects, or the reforming of a habit. A key element to a New Year's Resolution that sets it apart from other resolutions is that it is made in anticipation of the New Year and new beginnings. People committing themselves to a New Year's resolution generally plan to do so for the whole following year. This lifestyle change is generally interpreted as advantageous.

Have you given any thought to YOUR New Year’s Resolutions for 2013?  Are you keeping it simple and giving up pop or chocolate or maybe a little more difficult and cut back, if not quit, smoking or drinking.  Maybe you want to eat healthier or go the gym more.  All of those are great things to do but why not make your first resolution be “to challenge yourself more”.  No matter what your business is, we can all challenge ourselves more but sometimes this can be a little daunting so it is not always added to our list of resolutions.  Placing challenges upon us can be scary, overwhelming and permanent – most people will laugh it off if they don’t succeed in getting to the gym more or if they sneak some chocolate here and there but it is a person’s natural instinct to not let themselves down.  A challenge to one’s self is like playing a game of truth or dare and you choose the dare and you MUST accomplish the dare. 

I think it’s important to your mental well-being and your success in life to resolve to meet new challenges every day, no matter how big or how small.  Don’t try to come up with 365 challenges and then set out to meet them.  Set your list of challenges weekly or monthly.  It won’t be so overwhelming that way but instead attainable.  When you are only looking at a week or a couple weeks ahead then you can plan and fit them into your life and think about what you can and need to do to reach these challenges.  You just might have fun in the process and learn some very important things about yourself as well.  Maybe you are stronger, smarter, bolder or more daring than you thought.  Achieving each new challenge will motivate you for the next one and the next one and the next one and just think about the places you will go and the things you will have done by the end of 2013!  Then think about the year after that and where you will be in your life after your year of challenges!

So my New Year’s resolution is to challenge myself every single day, to do something I’ve never done before and while I’m at it I think I will challenge every one of you too!  Will you take the challenge with mejQuery152081794654851275_1356973775634  At 12:00 am, on December 31, 2012, I will say to myself that 2013 will be my year of challenges and I will follow it through for the whole year and I will make it at this time exactly in anticipation of the New Year and new beginnings!  Are you with mejQuery15205060838814100576_1356974056154

 

~ Good Climbing
  Bob Cenk

THINKING ABOUT THE TEAM CONCEPT…..

by bobcenk 6. December 2012 15:55

 

 

TEAM is defined as:  A group of people with a full set of complementary skills required to complete a task, job, or project. 

 

So my questions are:  What makes a good team?  How do you maintain a cohesive team?  Team verse individual?

I think it is easiest to start with the third question because we’ve all heard the saying “there is no “I” in team and just by the law of logic, wouldn’t more people always be better than one?  Can’t we accomplish more together rather than individually?  I think the answer is a definite YES.  More people on a team creates more opportunity, more ideas, more business, more clients but it also creates more opinions because even though there is no “I” in team, there are still “I”ndividuals within the TEAM itself and that must be taken into consideration.  So keeping that in mind, let’s think about what makes a good team and how to maintain a cohesive team that is made up of individuals striving to achieve the same goal.  I think everybody’s idea of a good team is based upon their needs and their goals.  Are you creating a big or small team,  can members of the team take on more than one aspect of the group and are you hoping to accomplish great things in a short amount of time or are you willing to take baby steps using whatever amount of time is necessary to reach your final destination?  There is a lot to think about when you embrace the TEAM concept but in the end, it can make for one amazing group of people that create a very successful TEAM!  Every member of a team can benefit from each other’s experiences, training and support, something you can’t find when you are in business for yourself.  Sure there are always friends you can call on to ask questions and get advice but if they are not working towards the same goal as you, who’s to say that they are really answering your question completely – something you need to be aware of, if this friend is in the same business as you, there is always some level of competition among you.  Teams also have the benefit of the fun and camaraderie that the group offers, sometimes at the most unexpected moments or perhaps when you need it the most!  Surely every team has that one joker amongst them, who without even trying, just seems to make everyone laugh – and that’s a good thing!

 

Teams are great in today’s world but be aware that there will be bumps in the road and it’s how you maneuver those bumps that will make or break your team.  Every TEAM must have a leader to make sure that every day takes you another step closer to those big goals.  But how do you handle the bumps….I would say with confidence in your teammates, trust in their experience, faith in their knowledge and a grateful heart that they are with you rather than against you. 

 

The leader is like the captain of a ship, he sets the course and gets behind the wheel but he knows that he can’t do it alone, it takes the whole crew to reach their final destination safely and successfully because each member plays a vital role in making sure that every aspect of that trip is done correctly.  The captain and the crew depend on one another to work together without question.  Do the same with your TEAM, depend on them and trust them.  Put your faith in each individual to complete their job to the very best of their ability.  It’s what they have trained for and when you take this group of individuals and join forces, you will have created an unstoppable TEAM!  So take the bumps as they come but remember that they are just bumps.  If I ever met a team of people that had never encountered any bumps, then I would have to question the integrity of that team because anytime you have a group of people working together, there are bound to be different ideas and visions, but different can be a good thing.  Different makes you unique, it is what makes your team the team that it is.  In today’s world, you need to set yourself apart from the others, you need to stand out and you need to have new ideas coming in everyday in order to maintain this standard.  So I say the TEAM approach outweighs the individual because definitely 2 heads are better than 1 so imagine 10 or 15 magnificent brains working together – the possibilities are endless!

So I leave you with this thought by Lewis B. Ergen:  ”The ratio of We’s to I’s is the best indicator of the development of a team.”

 

~ Good Climbing

   Bob Cenk

TIME TO BE THANKFUL!

by bobcenk 20. November 2012 14:32

Thanksgiving time is here and everybody is worrying about what size turkey to buy and how many side dishes are needed and do you say stuffing or dressing?  So much fuss over nothing really.  Think back to a year ago, last Thanksgiving, where were you, what did you do, who were you with, what has changed and why?  Is your holiday going to be different this year from last year – is it in a good way or a bad way?  When you sit down around the table this year and ‘give thanks’, think carefully before you speak.  Sure you’re thankful for the food on your table – some people will go without.  Of course you’re thankful to be spending the day with family and friends – is anyone missing this year?  You’re thankful for your health – somebody may be silently struggling right now.  Before you choose your words this year, think carefully and dig deep into your heart.  What are you truly thankful, grateful and appreciative for right now.  Say what is most important because you may not get that chance again!  Have a wonderful Thanksgiving Day this year and while it’s just fine to be thankful for the material things you have, don’t forget the intangible things that mean the most.  What are they for you?

~ Good Climbing
Bob Cenk

 

 

TOP 10 FREE OR PAID IPHONE MORTGAGE APPS

by bobcenk 6. November 2012 14:32

1.       ZILLOW MORTGAGE MARKETPLACE  (FREE) - Calculate how much home you can afford, what your mortgage payment will be and whether it makes sense to refinance. Plus, receive personalized loan quotes from rated and reviewed lenders and contact them when you're ready.

 

2.       MORTGAGE CALCULATOR PRO (.99) - Mortgage Calculator Pro is a quick and easy-to-use calculator for brokers, realtors, and homebuyers. Within seconds, you will be able to calculate the monthly payment for a mortgage, car payment, credit card or other types of fixed-rate loans. The calculator lets you add different adjustments such as insurance, property tax, and monthly fees such as homeowners association dues to see If they would affect the monthly payment.

3.       MORTGAGE AMORTIZER (1.99) - Make smart money decisions anywhere. The Amortizer is an easy-to-use, powerful and flexible mortgage loan calculator for the iPhone, iPod Touch and iPad. Perfect for real estate agents, homebuyers, and homeowners looking to refinance.

 

4.       MY MORTGAGE MENTOR (.99) - If you're buying a house, looking to refinance, or simply want to make the most of your existing mortgage, then this is the perfect app for you. Try out various “what if” scenarios and quickly see how extra payments can save you a whole lot of time and money.

 

5.       TVM MORTGAGE CALCULATOR (.99) - TVM Mortgage Calculator is the most powerful and comprehensive mortgage calculator in the app store. In addition to calculating monthly mortgage payments, this calculator lets you compute the cost of mortgage insurance, property tax, homeowner's insurance, and a custom field of your choosing. You can calculate monthly and annual payments and see the total cost of homeownership over the life of your mortgage.

 

6.       MORTGAGE CALC PRO (1.99) - Simple and complete mortgage calculator. An iTunes New and Noteworthy and a What's Hot finance application.

7.       MORTGAGE CALCULATOR (FREE) - This professional Mortgage Loan Calculator is a powerful, fast and easy-to-use iPhone app, perfect for homebuyers, homeowners, brokers and Realtors. The extra payment option feature allows the buyer or the owner to make wise decisions on their monthly payments. You can send an email with loan information and an amortization schedule included as CSV and html attachments.

 

8.       MORTGAGE CALCULATOR (FREE) - This is the simplest, easiest and fastest mortgage calculator in the app store.

9.       RATES AND MORTGAGE CALCULATOR (FREE) - Instant access to today's mortgage rates from your iPhone. Get 50 percent more mortgage information. No other app provides all of the following: rates, annual percentage rate points, fees, monthly payments and rate lock periods for all 50 states.

 

10.   MORTGAGE CALCULATOR + (.99) - Mortgage Calculator + is an essential tool for homebuyers, Realtors, brokers, and those looking to refinance a current mortgage. Quickly calculate monthly payments for any fixed-rate mortgage (can be used on other fixed-rate loans including auto, credit card, etc.).

 

~ Bob Cenk,

   Good Climbing

Abbreviations And Acronyms: The New Language! LOL ADL and sometimes SMH!

by bobcenk 30. October 2012 04:18

If you are anything like me, you remember the days before cell phones, IPADS and smartphones! You remember what is was like to leave a message on somebody's *GASP* answering machine where you very politely left your name, number, time that you called and a short message and then you just hoped that person would call you back. Believe it or not, some people didn't even have an answering machine and you would just have to call them back later....and you know what - we survived and life and business carried on as usual! Times sure have changed in a relatively short time and now everyone does everything possible to shave a few seconds off here and there, anything to free up time for other work to be done. But how much time are we really saving and what are you really going to get done with just an extra minute or two? Everyday I get messages on my phone and facebook page using all kinds of acronyms and abbreviations and if you don't know what they mean it can be very confusing trying to understand what somebody is saying. So I thought I'd take some time to give you a cheat sheet of some of the most common ones. You can study it, save it, print it, share it or delete it, but if I were you, I would at least look at it if you need a quick course on this new language - it just might come in handy if you have teenagers in the house too!

 I'll start with my subject line:


LOL - Laugh Out Loud


ADL - All Day Long


SMH - Shaking My Head (for some reason I can never seem to remember this one, I guess that's why I'm always SMH!)


AFAIK - As Far As I Know


B4 - Before


BTW - By The Way


EOM - End Of Message


FWIW - For What It's Worth


G2G - Got To Go


GJ - Good Job


GL - Good Luck


IMO - In My Opinion


LMAO - Laughing My Ass Off and not to be confused with ROTFL - Rolling On The Floor Laughing


LOL - Laugh Out Loud


TTYL - Talk To You Later


Those are the ones I get (and use - but don't tell) the most! The more you use them, the more comfortable you will get with them and pretty soon even your kids will think you are cool, maybe! And just imagine what you'll do with all that free time you're going to have!


So I leave you with this last thought:


AFAIK and IMO, you can TXT and/or IM on UR phone or on FB and the other PPL will completely understand what U R saying. IDK for sure but if U DIY over and over B4 it all changes again, then maybe U'LL get the hang of it and nobody will be ROTFL either! So I wish you GL and if you want to add any others, PLZ feel free to MMB and LMK what they R. I GGN so this is officially the EOM and I am totally LMAO right now! Did you figure it all out? If so, GJ and WTG and if not, then you DEF need this cheat sheet!


TY (FYI, your response to this would be YW)!

~ Bob Cenk
Good Climbing

When It’s Time To Sell, You Need To Be Detached, Not Attached, To Your Home!

by bobcenk 23. October 2012 07:39

Selling a home that you have lived in loved for any amount of time is extremely difficult! Thoughts of other families having dinners in your dining room or somebody changing the decor, because in their mind you must have bad taste, when in fact maybe it just wasn’t their taste or taking down the playset that your children spent countless hours on having fun – if you let these thoughts run through your head while you are trying to sell your home, then you just may NEVER sell that home! Start off by referring to it as a house once that “for sale” sign goes up! A home is what you make it no matter where you are and it is filled with love and laughter and wonderful memories, past, present and future! But if you think of the home that you are selling as a house rather than a home, it sometimes takes some of the sting out of the selling process. The word home implies so much more than the word house. A house is 4 walls and nothing more – it does not truly become a home until the people living there make it one. So think about the new house that will soon become your home and then allow the new buyers to become homeowners of your house!

 

Here are 4 tips to help any ‘house’ seller avoid making emotional mistakes that could end up costing more money in the end.

 

1.    OVERPRICING – Sure, to you, your home is worth at least a million dollars right? But maybe not to someone else. TO YOU, this home is priceless, however to a potential buyer, it’s worth pretty much what the market says it’s worth at the time, which means you may get less than you originally paid. Remember though, in another 10 or 20 years, that new owner might be ready to sell and will be in the same situation you are now. Buyers don’t have your emotional attachment so price your home accordingly and start making new memories!

 

2.    DO NOT BE PRESENT AT SHOWINGSSee #1! The buyer is not necessarily critiquing every choice you have made in the home, they are just picturing themselves living there and deciding what needs done to suit their needs. If you are there following around a potential buyer, that buyer may think that you are really not ready to sell and therefore might be difficult to work with. Let the agent do their job while you relax over a nice dinner and a big glass of wine!

 

3.    DON’T IMMEDIATELY REJECT EARLY OFFERSSee #1! Rather than waiting to see if something better comes along, keep in mind that it may not and that an early offer means less time your home is sitting on the market which means you can move forward on your new home even faster! I would take an early offer as a complement! Somebody liked your home enough as soon as soon as they saw it to think to themselves that they would like to live there – that’s a great complement!

 

4.    DON’T TAKE OFFERS PERSONALLYSee #1! Remember, become detached and think of this as only a business transaction. You want a high price and the buyer wants a low price – wouldn’t you if you were the buyer? The buyer is not trying to offend you. Be ready to hear criticisms on your home but keep in mind that it is simply a negotiating tool – something you will soon be doing as well!

 

Become detached, become an outsider and most importantly, CLOSE THE DEAL ASAP!

 Good Climbing,

    ~  Bob Cenk

 

 

 

 

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You Too Can Be A Pro!

by bobcenk 8. October 2012 09:39

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Don't Let Obstacles Stand In Your Way!

by bobcenk 2. October 2012 05:57

 

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