How Do Mortgage Brokers Rip You Off?

How do mortgage brokers rip you off

In the past I have addressed the differences between brokers and mortgage lenders. In this article, I want to address another question that is important if you are shopping for a new mortgage. When you shop for a mortgage, do brokers rip you off?

Many consumers think that when they work with a mortgage broker carnegie, they are going through the same process as a regular lender. They will go to the bank or other lender and apply for a mortgage on their property. The difference between this and a regular lender is the fees that the broker charges. In essence, the brokers rip you off because the banks don’t have to pay those fees. The bank or lender makes money from the interest rate, which is what the customer will pay.

There are three main types of mortgage brokers. Independent mortgage brokers do not work for one specific lender or bank. They usually work for several lenders, but only choose to work with the top performing lenders in their area. Brokers often also sell mortgage products to homeowners, which gives them an additional income. However, they are not licensed to provide mortgages, so there is a risk that they could push a bad product through their system which would negatively affect the credit history of the homeowner.

Full Service Brokers A full service broker is certified by the FHA to do mortgage transactions. They have a variety of licenses and can help you with everything from finding the right home to negotiating the best deal. Although they work for several different lenders, they do charge significantly less than an independent mortgage broker brunswick because they receive a commission on each transaction.

Discount Brokers Another type of broker is a discount broker. These brokers generally get commissions from the major mortgage companies and work for a smaller network of lenders. Although they are not licensed to work with loans, they can offer valuable advice to help you get better rates. Because they are not licensed to work with specific companies, they may be able to save you time by bypassing companies that might be over-charging you. However, because they are working for a small amount of lenders, it is unlikely that they could help you get better rates on your home loan.

Full Service Brokers An additional type of mortgage broker is a full service broker. Although they are not allowed to work on the loan themselves, they can help you with anything from applying for mortgage insurance to collecting payments on your loan. They can also help you get better interest rates on your mortgage. However, like a discount broker, they may charge you a fee for their services, which makes them a poor choice for someone who needs help with their mortgage loan. Instead of paying a commission to a mortgage broker, you would be better off to pay more money to a full service loan officer.

Online Mortgage Brokers When you take advantage of the Internet to find a mortgage broker ivanhoe, you will probably encounter an online broker first. These mortgage brokers can usually be found through a search engine or a popular online lender. Because they do not have offices in your city or state, you may be unaware of how much you can save. Instead of paying commission fees, which can be as much as 10% of what you pay for a loan, you can pay a flat fee every month instead. This flat fee can cover many aspects of your mortgage, which means you can save money on your mortgage and spend less time shopping for mortgage insurance. These online brokers are also very quick to advertise their services, which means you can usually get competitive rates as well.

How do mortgage brokers rip you off? If you take the time to find a mortgage company that offers competitive interest rates, offers flexible payment options, and provides affordable home loan insurance, you can save money. While there is nothing wrong with working with an agent who can charge high commissions, remember that this can sometimes come at the expense of you, the consumer. Instead of dealing with mortgage brokers, you can work directly with lenders to get the best rate possible.

Important Tips About Roof Safety

If you’re a property owner or manager, it is always important tips about roof safety to keep in mind. The most important thing to know is that even if you don’t live in an area that is prone to hurricanes or tornadoes, hurricanes may still be able to hit your property. It’s important to protect your roof from hail, high winds and strong storms by installing storm shutters on the exterior of your home. However, even if you live in a region of the country that rarely experiences severe weather, roof damage and leaks can occur. There are a number of different types of roofing systems out there and knowing the basics about their safety makes them all the more important.

One of the most common roof issues is caused by weak roof anchor points. This weak point is usually in the shingles. When the roof shingles aren’t strong enough to withstand strong winds, they will often collapse. If they are weak due to age or lack of replacement, they can also damage the other shingles or even the entire roof.

A roofing system called a gutter is often at fault when a roof collapses. These systems allow rainwater to flow down off the roof and down into a gutter that collects it. If they are clogged, rainwater will simply run down the sides of the gutter and cause the area to become saturated. If the area is completely saturated, the water will cause damage to the roof. This type of problem is most often caused by a poor installation of the roofing system.

Another common issue with roofs is caused by damage due to the sun. The rays of the sun can cause the surface of the roof to become very hot. This will in turn create a dangerous situation where the roof is hot enough to cause damage. When this happens, it is important to remember that you should always wear a protective hat to shield your head and neck from any damage. In addition to wearing a hat, you should also never have your hair exposed to the sun’s rays for prolonged periods of time.

If you have a metal roof on your home, it is important to know and understand how to inspect the roof for signs of damage. Metal roofs are typically inspected for signs of corrosion or rust. If you find these issues with your metal roof, it is important to immediately remove the metal shingles from the roof. These areas of the roof may have large amounts of moisture, which can cause further damage to your roofing system. Remember to remove all metal parts of the roof before attempting to dry the area.

If you can, the best way to access your roof is through internal roof access hatches – this means you permanently have a ladder set up internally to access your roof. This is also much safer than having a ladder on the outside of the building.

It is also important to pay close attention to the flashing on your roof. Flashing is important for roof safety as it prevents accidental slips and falls. However, many people don’t pay enough attention to the flashing on their roof. If there are damaged sections of flashing, they should be repaired immediately. This will ensure that you and your family remain safe from injury due to falling objects on your roof.

One of the most important tips about roof safety is to make sure you do not overlook the possible dangers or hazards that could pose a threat to you while walking, standing, or working on your roof. Always be aware of the possibilities. You should always seal all vent pipes and chimneys to prevent the occurrence of dangerous gases. In addition to that, if you work on your roof for long periods of time, it is important to remove your clothes and boots before climbing up your ladder.

It is also important to take a few safety precautions when working on your roof. For example, if you have a ladder on your roof, you should use a harness and static lines. If you are using a ladder with an extension ladder, make sure you secure it firmly to the ground before climbing up it. As you can see, one of the most important tips about roofing is being extra cautious about the potential dangers on your roof.

How to Choose a Digital Marketing Agency for Your Business

Choosing the right digital marketing agency in Nashville TN can make or break your online campaign. A good agency will help you get the best results for your business, and they can do this while adhering to all of your ethical and legal requirements. There are many things to keep in mind when choosing a digital marketing company. This article will give you a few things to look for when choosing a digital marketing agency. These tips will help you make a great decision and choose the best digital marketing company possible.


The first thing that you need to keep in mind when choosing a digital marketing agency is that they should be very familiar with search engine optimization. Search engine optimization is a vital part of internet marketing. You don’t want an agency that doesn’t know how to properly represent itself. Make sure that the agency has a strong knowledge of SEO. The last thing you want is for your website to be banned from a search engine for having bad optimization.


Another thing that you need to keep in mind when choosing digital marketing agencies is their strategy. Many agencies will use what is called a cookie based strategy. This means that they will only place your website and advertisements on websites that will agree to their terms. This is not a bad thing per se; however, you want to make sure that you find a strategy that will benefit your website and brand more than a cookie based strategy would. Some good examples of strategies that are commonly used in digital marketing Nashville include pay per click, joint ventures, and co-registration. Each of these is different from the others, so make sure you understand them well before hiring any specific agency.


Another thing to consider when choosing an marketing agency is their track record. No matter who you hire, you can never be sure how they will perform until you have seen their work in action. If they haven’t done anything successful, that doesn’t necessarily mean they won’t do a good job; it just means you need to do some research on your own to ensure you are hiring a high-quality company. There are plenty of high-quality SEO companies that have done great work for businesses; you just need to do some homework beforehand.


A final tip to keep in mind when choosing a digital marketing company is how they will promote your website. If you want to get the most possible visitors to your website, you need to hire an SEO agency Nashville that will do both organic search engine optimization and online advertising. Most marketing companies will only focus on one of these methods; however, the result can be less than desired. For example, if an marketing company focuses solely on online advertising, they may miss out on some of the benefits of organic search engine optimization. It’s important to have an agency that is ready to handle both methods because they will be working together with your business from the beginning. This way, you can be sure that the online advertising the company will be doing will provide you with results long into the future.


These are just a few things to take into consideration when you are looking to hire an digital marketing agency. There are many others to choose from, so be sure to do your research beforehand. Finding the best digital marketing company is essential if you want to maximize the benefits of internet marketing for your business. Before you know it, your business will be seeing increased traffic and reaching new heights as a result of finding an SEO agency to help you get the most from your online advertising budget.

How Important Is Website Branding and Search Engine Optimization?

website branding and seoWhat can website branding and to do for you? Branding, including your website branding and search engine optimization. SEO content writing, including keyword research, content writing, keyword optimization, link building, meta-tag optimization, web design seattle, and copywriting for your website, blog, sites, podcasts, videos, ads, creative projects, press releases, and so much more. All the things that people do on the internet that connects them to your business. SEO content writing, including keyword research, content writing, keyword optimization, link building, meta-tag optimization, blog creation and so much more.

As a digital marketing agency seattle or Internet marketer, we know the power of branding and SEO, but many business owners are not sure how to use it effectively in their marketing needs. The more you know about it, the more successful you will be as a business owner. It’s really not about how much you know, it’s more about the quality of the knowledge you are using. Website branding and SEO seattle have grown at an exponential rate over the past five years, making an already competitive market even more so. In fact, a lot of the time I am wondering if a website branding and SEO are even a real term because everyone is so focused on what is considered the latest trend or new idea.

My suggestion to these new or budding entrepreneurs out there would be to hire a website branding and search engine optimization consultant or a marketing assistant. If you haven’t tried it yet, try it and see the difference it can make to the results of your efforts. You don’t necessarily need a full-time marketing assistant or consultant to do this. You can hire someone to help you with specific tasks or you can hire a full-time marketing assistant to do the job. Whatever path you take, it will still be worth your while.

These two things are very closely intertwined and they can help each other out immensely. As a business owner, you are already aware of how important it is to get as much traffic as possible to your site. Through website branding and optimization techniques, you can ensure that your website gets that exposure it deserves. The same goes for the SEO consultant. When they are helping you promote your website through different techniques, you will already know what steps to take next.

It’s important to consider search engine optimization because this is going to be one of the main ways through which people are finding you online. There are billions of websites online right now, so you are not necessarily losing customers if you are not optimizing your website for search engines. You can find website branding and search engine optimization consulting services that will be able to help you set up an effective website branding and search engine optimization campaign for your website. When you are getting more traffic to your website, you will find that more people will likely purchase your products or services from you.

Website branding and search engine optimization consulting services can also be quite useful for the business owners who need to do a little bit of work on their own. If you feel like you don’t have the experience or knowledge for some of the tasks that you would like to tackle, you can hire a website branding and search engine optimization consultant to do this work for you. You will be able to benefit from their combined expertise in marketing and website optimization for a very affordable cost. You may want to hire more than one marketing consultant for this purpose so that you can get maximum value for the money you spend on the service.

How to Find a Good Website Designer

Website design melbourne are responsible for creating and maintaining the appearance and functionality of a website. This includes creating both the layout and the text and images of a website. Website designers also add interactive elements such as videos and Java scripts to improve the appearance and functionality of a website. Web design generally covers a variety of disciplines and skills in the creation and maintenance of web sites.

The various disciplines of website design include web design itself; web graphic design; creative web authoring; user interface (UI) design; typography; and search engine marketing (SEM). The web designer will work with content, images, video and any other type of media that is needed to provide a website with the best possible experience for its visitors. The images and media can be used to convey the message of the website or promote products. If the multimedia focus is on the creative side of the website design then this would normally involve a creative writer to write the text and images as well as the photos and animations. Web designers may also work with Internet marketers to get the best possible positioning and placement of the advertisements within the website.

The roles and responsibilities of website designers and web developers usually overlap but the two professionals can play very different roles. Web developers, such as can often play more of a support role in helping to maintain the day-to-day performance of the websites while the web designer is responsible for the look and feel of the website. The web designer will have to plan the project from start to finish including selecting the appropriate web hosting company. The goal of the web designer is to create websites that are visually appealing as well as functional. A web developer should ensure that the websites are easy to operate and fully functional.

Both website designers and web developers have to work together in harmony to ensure that the end result is a website that is both professional and functional. Sometimes the web designers will specialize in one particular area such as Flash or Java, while the web developers will focus on all aspects of the site. It is important that the end result is a website that meets the needs and requirements of the customers. Both the web designers and web developers should be able to communicate effectively between each other to ensure that all of the website’s functionality meets the customer’s expectations.

Having a website designed and developed by a web design company provides a lot of benefits. Many times, website designers will work closely with small businesses and individuals to provide customized services tailored to their needs. A reputable web design company can help provide the website designers with the information that they need in order to create a website that will meet the business goals and objectives. Working with a web design company will also allow an individual or small business to expand their business by taking advantage of new technology. The web design services offered by a web design company will enable the small business to have a website that will bring in new customers and increase their sales.

The importance of working with a professional web designer should never be overlooked. When looking for a website design services provider, it is important to look for a company that is experienced and has a good reputation for creating websites that are both professional and effective. Avoid thinking of going with the first company that offers a good website designers service because there are a lot of companies out there that can provide the same quality services at a much cheaper price. Before you hire a designer, it is a good idea to look into the different options that you have so that you can ensure that you get a designer that is reliable, creative, and affordable.

Disaster Management Planning

In times of natural disasters, many companies look forward to an established pandemic business continuity plan to ensure their companies are prepared to address potential threats and manage the chaos. The plan has several key sections that should be evaluated in order to identify any problems or risks. A Pandemic Business Continuity Plan in Melbourne will help your company focus on what steps it will need to take and when to implement those steps in an orderly manner. The sections of a plan include:

Industrial Risk Management – This section includes defining risks to your company and organizing a plan for addressing them. The objective is to create a comprehensive plan that will cover all aspects of the company to ensure full operation during any type of emergency. It should also include contingency plans for specific situations such as a food shortage due to a virus outbreak. Your Pandemic Business Continuity Plan in Melbourne should include a Risk Management section. You should evaluate your current management methods and identify any gaps in your planning.

Mining Emergency Response And Rescue – You should evaluate your current response procedures and provide a plan for an effective response to any emergency situation. For example, if a food shortage occurs, you may not have the capability to process food or store it for long periods. If a factory receives an outbreak of anthrax, they may not have the ability to process contaminated food. Your staff needs to know how to effectively and safely process contaminated foods. Your plan should include a step by step approach to emergency preparedness and provide a complete list of contacts for workers and managers to contact in an emergency.

Medical Contamination: – This should address potential contamination from biohazards. It should provide steps to prevent the transmission of a biohazalive and clarify which employees are authorised to work with biohazards. Biohazals include virus-like and antigen-like agents that can cause serious illness or death when exposed. You may not be able to identify exactly what you have been exposed to, so it is important to provide a list of all potential sources.

Business continuity plan. There is more to your plan and Agribusiness Risk Management than just listing your business contacts. You may need to expand your understanding of the pandemic and what to do if the threat level rises. You may need additional training to implement changes as necessary. Your plan should be updated on a regular basis to address changes in the industry, so that you can best protect your employees and maintain the quality of your service.

Staff members should be included in all phases of the planning process. A good Maritime Emergency Response plan should include a Management Plan, Training and Employment Plan, and a pandemic contingency plan. These plans should be reviewed periodically to determine if they are still relevant and useful. Reviewing them regularly also helps ensure that all staff members understand how their role and duty impacts the overall effectiveness of your business.

Management should be consulted regularly to ensure the plan continues to be effective. Staff should be allowed to take part in the planning process. If your company has a good reputation, they may even want to co-ordinate with you and help to shape the final output. Management should be allowed a say in how the plan is put together and administered, but they must take an active part in the implementation of the plan. The manager of your staff may need to take on additional responsibility for ensuring that all staff members have been properly apprised of the basic elements of the plan and have been trained in its application.

Employees should be encouraged to discuss any concerns they may have about the plan and the company. This may be something as simple as a change in address or a need to take cover for an unplanned weekend trip. Each staff member’s contribution to the plan should be highlighted and rewarded. This can be done by including a certificate, free of charge, at the beginning of each month. It may also be possible to send staff members out to field a few selected clients who require training in their areas of expertise. This would motivate them to continue contributing to the company’s success.

dictator boss

The Dark Side of Leadership: The Impacts of Bad Leadership on Team Dynamics

All of us can see the “dark side” of leadership. You can all recognize the “dark side” of leadership. These destructive, volatile “Leaders”, who are often violent and dangerous, don’t lead. Instead, they serve as an example of what not do. Team members try to stay out of their way so that they don’t become the victim of the wrathful dictator.

In these situations, it’s possible that team members are looking for a new opportunity. They don’t feel engaged and are always seeking out new opportunities to escape the negative influence of this manager.

Scott Gregory’s definition of the “lazier faire” absentee leader is a more dangerous form of leader – in his Harvard Business Review Article The The Most Common Types of Incompetent Leader.
“Absentee leaders” are those who have been promoted to leadership positions but are not physically present with their teams. They are promoted to management positions and enjoy the rewards and privileges of leadership roles, but they do not have meaningful involvement with their team. Absentee leadership resembles the concept of rent-seeking in economics — taking value out of an organization without putting value in” (Gregory, 2018).

These leaders are not interested in engaging and rarely, if ever, get involved. They are more likely to avoid conflict and ignore issues. They are not able to give direction, and worse of all, they rarely provide any feedback. This means that team members don’t know where they stand. They don’t give direction and, worse of all, they don’t provide feedback. Team members are often unsure of where they stand. While constructive leadership improves job satisfaction immediately, the effects of it dwindle rapidly” (Gregory 2018).
Gregory says “Absentee leadership can immediately improve job satisfaction, but the effects dwindle quickly” (Gregory, 2018).

It is crucial that you practice the principles of “Leading up” to prevent this type of leadership from further degrading team spirit and morale.

Steven Matthew Leonard explains how to deal in his article entitled “How to deal with an absentee Leader”.Command incompetent:Absentee Leadership’s crushing impact In September 2020.

1) Be clear with the leader about your commitment to the company and the goals and objectives of the organization.

2) Use active listening to spot the subtle annoyances in the leader’s feedback.

3) Be persistent. You must be persistent and steadfast if you want to see change.

For a healthy team dynamic, constructive leadership is essential. They can be the ‘Obi-Wan to the absentee Darth Vader leader’ but they can fix the problems in the workforce.

These are five tips to help you lead a team that is balanced.

1. Encourage people to support each other in their career growth and development.

2. Encourage employees to develop good interpersonal relationships within the organization and encourage respect for people from different backgrounds and perspectives.

3. Encourage people to accept challenging tasks with confidence, and encourage them to look for interesting opportunities and projects.

4. Encourage creativity in people and encourage them to find innovative solutions to problems.

5. To emphasize the importance of the group, encourage people to talk in a friendly and open way while encouraging people to think independently and in new ways.

Learning and practicing are key to personal growth and development. It’s time for you to confront an absentee manager in your company. You can model the behavior you want and give them concrete, actionable feedback that will help improve their skills.

You may need to be the leader of your team if you’re a member of a team with an absentee leader. If your company vision and goals are strong enough, you can overcome poor or absent leadership to reach a better place within your universe.

It doesn’t matter what, you have the power to make change happen and show that positive, constructive leadership is possible with your help.

grief in the workplace

How to Handle Grief in the Workplace.

We spend more time at work than with our family or friends. It is difficult to get to know your colleagues and how they react to tragedy.

Some people withdraw completely, others try to be too involved, but the majority of people don’t know how or what to do. There is no guideline or policy that will help you deal with grief and tragedy. There is no process or system that can make the situation easier or more understandable. It can be very devastating to work when tragedy strikes.

“Grief can be unpredictable by nature. It affects people in different ways. It is extremely difficult to manage it or balance it with professional demands.”(Tigar 2021).

  • Be patient
  • Support
  • Be empathetic
  • Be authentic
  • Be present

Empathy is crucial because it allows you to switch between ‘work mode and ‘human mode. Empathy allows you to feel empathy for those who are directly affected by the situation. It also gives you space to express your feelings and emotions. Empathy allows you to be more compassionate, supportive, and present.

“Grief requires us to be more authentic, present, and real because it is the most difficult form of grief.
Often what it demands of us is our honesty, our attention, and a re-evaluation of values, all of which distract from the professional goal”, (Tigar, 2021).

These skills are not easy for everyone, and many leaders struggle to master these interpersonal skills. As a leader, it is important to model the behavior you desire. Empathy is a great way to show your strength in difficult situations.

Tragic events are not a time to return to business as usual. Each person will need your assistance to navigate the events. Your team will need to process them.

Allow your team to grieve and allow them to process. Each employee can deal with a tragedy at their own pace. Grief is not something that can be done “on the hour”. They should be able to ask questions, have conversations, and take breaks to help manage their emotions. They might become distracted or overcome by emotions, which can make it difficult for them to function well. Be aware of the signs and be alert.

Establish the right tone and pay attention to what the victim needs. Focus on the positive. Listening, really listening, and giving your team an outlet is the first step.

Remember that dealing with tragedy is not an isolated event. It will be a floodgates reopening when people return to work after a period of grief. Be patient, and let the team come together. Do not try to force closure as it might never happen.

When tragedy strikes, bad news or tragic events can expose an organization’s true nature. Your culture and core values should remain the guiding principles of your organization, in good and bad times.

Leaders may feel overwhelmed and powerless. They must take care of themselves. If one doesn’t take care of their own needs first, it is not uncommon for someone to be unable to help others. Keep in mind the safety protocol of airlines “Place your mask on first, then help others with theirs.”

The team should be mobilized to combat despair.

To channel energy towards positive outcomes, be open to employees organizing fundraisers, blood drives, or food drives. Employees can feel that they can make a difference, which can help them cope with their guilt and shame.

“Suppressed grief suffocates it, it rages inside the breast, and is forced into multiplying its strength.” Ovid

Let the situation be what it is. Do not try to avoid the situation simply because you feel uncomfortable. If you need help, seek guidance or professional assistance from your HR provider or health care provider.

Always remember that “Life happens when it’s least expected”.

working in or on your business

Working ON your Business Vs. Working IN your Business

Michael E. Gerber, a business expert and author, once stated that “if your business depends upon you, you don’t own a company – you have a job.” It’s also the most dangerous job because you work for a lunatic.

Many business owners feel overwhelmed when they open a new venture. They believe they have to do everything. They feel the need to do everything, even after years and months of business ownership. Worse, they don’t have the time or energy to focus on future opportunities, plan strategies, or grow their business. They can’t do it when they are stuck in a cycle of work IN and ON their business.

People who own businesses are often ‘doers’. They tend to get involved in a business because they love the work. However, they don’t trust others to do what they do. They are so engrossed in the minutiae of running the business that they don’t see the forest from the trees.

Business owners must not only trust their employees to manage their business but also allow them to have the time and space to grow their business. They must also make time for personal growth, networking, education, and education in order to become more effective leaders and business owners.

How can you break this cycle? How can you, as a business owner give yourself the time and space to grow your business beyond the daily grind of running it? It is all about setting boundaries and scheduling time that are specifically focused on creating strategies and planning the future. To succeed, you need to build a team.

I have published several articles and steps in June to help you build a winning group. Building a team that works together requires several key elements.

  1. Leadership is key
  2. Common Goals
  3. The Rules of the Game
  4. Clear Action Plans
  5. Support Risk taking
  6. 100% involvement/inclusion

Robert Kiyosaki is a business guru who once stated, “If your business or investment operation cannot function without you, then you are thinking too small.” Think team and systems .”

Your team will continue to learn and develop their skills, allowing them to contribute external knowledge to the organization.

As an owner, you can begin to work on your business once you have a team that is responsible for the daily operations of the company. It can be very frustrating to try and hit all the targets on your own.

Work IN Your Business Work ON Your Business
Making stuff Education and Personal Development
Delivering stuff Plan
Administrative stuff Set your goals
Invoice payment Financial forecasts and projections
Activities to hire Strategic alliances
Conflict Resolution Automating processes and setting up systems
Handling calls Strategic vision

You must set aside time and schedule the time you need to work on your business. Set a schedule to accomplish the tasks that will help you grow your company.

This system allows you to find a balance and focus on the most important job of a business owner.

  • Keep a schedule and be disciplined.
  • Even if you have perfect employees, it is likely that they will make good decisions 70% of the time. If your decisions are not perfect, your batting average will likely match theirs. So, what are you waiting for?
  • To challenge the status quo, and to expand your knowledge, you should seek out a mentor or coach.
  • Keep your eyes on the goal of your company and make sure that your actions are in line with it.
  • Be truthful with yourself. Measure your business’s performance using data and facts. Your gut feeling and intuition can only get you so far. It is important to use objective measures to evaluate performance and track progress.

You must let go all control. Take into account that only 30% of businesses make it past the 10-year mark, while 66% make it to the 2-year mark. This is due to the fact that very few business owners invest the 20% required time in their businesses, which contributes to businesses falling (Gamechanger, 2019).

workplace morale and culture

Celebrate Your Business Culture

It is possible for organizations to spend a lot of money and time creating a culture that will make them more productive. It is difficult and dynamic to create a culture. It takes more than words to create a culture. You need to reward people for their actions that reflect the values you are trying to build.

You need to work ON your business, not IN it. This means that you will need a team who can manage the business when you’re not there. A strong company culture is often the first step.

When trying to build a “commercial profitable enterprise that works even when you are not there”, creating a vision that leads everything and everyone in the business is critical. Vision is the core of every function and every goal. It doesn’t change. It isn’t flexible and doesn’t change.

Create value points or culture points to ensure the vision is at the center of the work being done.

No matter how many points of culture you have, ensure that the concepts are integrated into all levels and functions. These are the 14 points that make us the most successful business coaching company in the world.

  1. Commitment

I will give 100% of myself and all that I have committed to until I succeed.

I am committed the Vision, Mission and Culture, as well as to success

At all times I recommend all products and services.

  1. Ownership

I take full responsibility for the results of my actions.

Actions will bring about, and own all that happens in my

My work and my personal life. I am responsible for my results.

To make things change, I first have to change.

  1. Integrity

I speak truth. I keep my word and deliver what I promise.

I will only make agreements with others and myself that I am willing to honor.

Willing and able to keep. I will communicate broken

I make sure to reach agreements as soon as possible and fix any that are broken

Agreements immediately

  1. Excellence

It’s not enough to be good. I deliver products and services that are always of high quality.

Outstanding quality and added value for all parties over the long-term

term. I am always looking for ways to make more with less, and keep on the same path.

Innovation and constant improvement are the hallmarks of innovation.

  1. Communication

My clients, my coworkers and I are all positive.

I am is available in public and private sectors. I am a good speaker.

Use empowering and positive conversations to achieve your purpose. I have never

Use or listen to sarcasm and gossip. I accept what is being said.

This is true at the moment for the speaker. I accept responsibility

Thank you for your responses to my communication. I salute you and bid you farewell

People using their names. I apologize immediately for any inconveniences.

Then, find a solution. Concerns are never discussed in my office.

Private with the individual involved.

  1. Success

I put my energy, thoughts, and attention on what is successful.

Whatever I do, it will be the outcome. I’m willing to win.

Allow others to win: Win/Win My innermost self is always visible

I am proud of my success, personal confidence, and competence. I am.

A successful person.

  1. Education

I learn from my mistakes. I am always learning, growing and mastering.

So that I can learn from my clients and fellow employees.

Learn and master. My clients benefit from my education.

To make intelligent decisions about their future memory

It is their future. It is practical and can be used immediately.

Knowledge is more important than theory.

  1. Teamwork

I’m a team player, and a leader. I will do anything to make it happen.

Stay together and work together to achieve your team goals. My focus is on cooperation

I am a person who always comes to a solution, not compromise. I am

Flexible in my work and open to changing if necessary

Working. I’m compassionate and ask for help when I need.

To others who ask.

  1. Balance

I believe in a balanced approach to my life.

My spiritual, family, and social aspects are just

As important as my intellectual and financial well-being. Complete

My work and the most important tasks are first so that I can be productive.

Quality time with my family, for me and to recharge.

  1. Fun

My life is a journey that I enjoy and value.

I make it fun and joyful for everyone.

It’s a treat for everyone around me.

  1. Systems

I look to the system every time I have a problem. I will help you with any problem.

When I am looking for people, I first use a system correction

Correction. In my innovation, I use a system solution rather than a person.

It is a better solution than the people solution. I followed the system until it was over.

A new system has been introduced. I propose system improvements

At my first chance.

  1. Consistency

So my clients and colleagues can trust me, I’m consistent with my actions

I am someone you can trust and feel at ease with. I am

I am disciplined in my work to achieve my goals of growth and success

They are constant.

  1. Gratitude

I am truly grateful. I want to say “Thank you” and show my appreciation.

Appreciation is something we should all practice.

Let me let you know how much I value everything and everyone

I am grateful for the opportunities that have presented themselves in my life. I celebrate my wins as well as the victories of others.

Clients, team. I catch myself and others constantly.

People do things right.

  1. Abundance

I am an abundance person. I deserve my abundance.

I am able to give and receive easily. I believe in abundance.

Respecting my self-worth in all aspects of my life

All others. I am rewarded up to the point that I create abundance

For others, I understand that my abundance is limited by my ability to provide it.

Life to the extent that I am able.

I have been recognized by the Franchise Business Review as a TOP Franchise Culture. This industry publication reviews thousands of franchises each year and ranks the culture. Recognizing an independent organization is a sign that the culture has been ingrained in the business.

It’s now time to recognize and celebrate your team and partners for their contributions in supporting your vision, and living the culture that you have nurtured. You can make your environment even more inclusive by creating ‘culture’ rituals and awards that are tied to company culture points.

Your team will be more productive if they are focused on common goals and respecting culture points. This will allow you to get started working ON your business sooner and let your team manage it with confidence.