Dave Werth
Kvamme Real Estate
218-790-7653
HAPPY THANKSGIVING!
INTRODUCTION
I want to extend a very special and BIG WARM WELCOME to all of the new subscribers & website visitors!
The monthly emailer contains tips and information that will help you become more successful. My personal goal is to make it a quick read & help people that might need some help with a short digest of personal development, personal financial strategies, and leadership principles, & some Real Estate.
Quote of the Month
"Books are masters who instruct us without rods or ferules, without words or anger, without bread or money. If you approach them, they are not asleep; if you seek them, they do not hide; if you blunder, they do not scold; if you are ignorant, they do not laugh at you."
Richard De Bury (1287-1345, English writer, and Benedictine monk and bishop)
Houses on the move... (11/24/08) - " Interest Rates Keep Dropping ! "
Interest rates are fluctuating daily, and we are starting to see the 2008 & 2003 summer lows of 5.8%-5.5% for 30 year loans. A number of banks lenders are predicting low percentage rates in the very low 5% range in the next few months to come. Some have even gone as far as analyzing the high 4% interest rates, which would certainly be a great thing for everyone. Keep yourselves posted on rates if you are looking to buy a home, as anything under 5.75% is a bargain!
TOP TEN FOODS EATEN DURING THANKSGIVING
1. TURKEY OR HAM
2. Pumpkin Pie
3. Cranberries
4. Sweet Potatoes or Yams
5. Pickles & Relish
6. Rice Pudding
7. Gravy
8. Raisins
9. Haystacks
10. Stuffing or Dressing
Thanksgiving Facts sometimes misunderstood??? While the terms "stuffing" and "dressing" are often used interchangeably, stuffing refers to what is stuffed into the turkey and dressing refers to what is baked in a separate dish and placed on the side. Traditional stuffing's and dressings are made with bread, or for those in the Southern United States,
Personal Growth and Development
For some people, work is a priority and they tend to appreciate the value of continuing education. However, most people never bother to continue learning throughout their adult lives. We can never quantify or recover these lost opportunities. If you want to become a better person and achieve The Good Life, you must understand the importance of learning. Learn how to work harder on yourself than you do on your job & your job will begin working for you. Do you have the willingness and the discipline to be a reader?
One of the best ways to learn something new is to read a book. Yet, according to syndicated newspaper columnist Harvey Mackay, "51 percent of the American population never reads a book of more than 400 pages after they complete their formal education." Most American workers don't read four books during their lifetime! In contrast, some Chief Executive Officers (CEOs) read four books a week. These leaders commit themselves to continually learning as a part of their strategy for The Good Life. They also understand the real power of reading. Can a book change a life? Absolutely! If you buy the book yourself and only keep it for yourself, then you miss the real point of reading. How many books have you given away this year? If the answer is none and you are in the "people business," what are you thinking? Go back to building the people around you, and they will help your dreams become a reality. Many people tell me they don't have the time to read. It's simply not true. You have to make time.
If you read one book a month for 12 months, you would be in the top 25 percent of all intellectuals in the world. Does that sound impossible? One book per month is about half a chapter a day, which might take fifteen minutes of your time. Think about it. If you read one book a month for one year, you will have read 12 books related to your chosen field. In five years, you will have read 60 books. If you read 60 books when your competitors for the same job read three books, don't you think you will have an advantage?
When it comes to reading, your challenge isn't actually finding the time to read. Your challenge is creating personal discipline to do it. I'd encourage you to set a realistic and achievable goal of reading at least 15 minutes every day and over a year you can complete an average of 20 books. If you devote this time to learning and sharing, it will separate you from your competitors who are also pursuing the next opportunity. Remember, the more you learn, the more you will be able to earn. Don't go through a single day without learning something new.
BOOK OF THE MONTH - The 7 Habits of Highly Effective - People Stephen R. Covey
"The average CEO of a company reads 5 books per week. 4 work specific, and one to keep the mind fresh. Everyone has the opportunity to be better in life, & If you're not reading your not growing!"
Becoming an Effective Leader!!!
The Power of Urgency
I've always heard it said, "A job takes as long as the time you have to do it in." In many cases that has proven to be true. If you have all the time in the world to compete a task, it can occupy much more time than necessary for completion. However, if you take that same task and give it a deadline, it is amazing how fast you can accomplish it. When put on a short clock to get something done, it is remarkable how the energy, resources, and muscle power come together to make things happen. This is the power of urgency.
Urgency creates energy, action, and focus. Leaders understand this principle. They make things urgent. They instill a sense of urgency to keep projects on track to get results. Leaders also cast their vision with urgency and passion to create the desired action. Without a sense of urgency, desire loses value.
Most advertisers and marketers use the power of urgency to create opportunities for customers to buy their products. How often do we hear: "Hurry, sale ends Saturday," "Offer good while supplies last," or "Only ten at this price." They market urgency as a means for people to take action. When they take the urgency out of the equation, people are slow to take action and the sales campaign fizzles.
The bottom line is that we need to manage our own lives with the same passion and urgency that advertisers and marketers use to motivate us to take action. We need to put a deadline on our dreams; set a timetable, and create the necessary action steps to achieve what we desire most in life. It is when the reasons for our urgency are motivated by passion and desire that we become strong and productive. Create the power of urgency in your own life and reap the benefits.
Thank you for investing your time to read this month's email. The number of people who read it just keeps on growing, and it is because so many of you send these articles to friends. I thank you for allowing me to be a part of your good life.
CONFIDENTIALITY NOTICE: If you have received this communication in error, please inform the sender immediately by replying to this message and you will be taken off the emailing list. By joining this emailer, your email address will not be shared or sold to any outsourcing companies. "That is my promise!", Dave W
Sincerely,
Dave Werth
218-790-7653
Kvamme Real Estate
3401 S. 8th St.
Moorhead, MN 56560
Dave Werth ABR GRI - Full Time Realtor for Fargo, Moorhead, Dilworth, Glyndon, West Fargo, Horace, Harwood, & Rural ND & MN. Licensed in ND & MN. First Time Home Buyer Educator
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