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Deposit That

Author: Jeff Van Note

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The American Dream - a phrase first coined by James Truslow Adams in 1931, has grown significantly since its inception. The original meaning referred to a “dream of a land in which life should be better and richer and fuller for every man, with opportunity for each according to his ability or achievement…” Today, Entrepreneurship is quickly replacing the original meaning of The American Dream. Going deeper, it is the psychological belief that Entrepreneurship provides freedom, sought out by the brave. Freedom which in 1814 Francis Scott Key authored the term for America as “The Land of the Free and the Home of the Brave”, which also in 1931 became implemented by the singing of the National Anthem.

In today’s world, not many are experiencing freedom. Americans are buried in debt, subject to increased costs of living with stagnant wages, usually at a 9-5 job they can’t stand but have to keep in order to put food on the table and a roof over head. America is faced with three major hurdles as we move forward and they are racism, economic inequality, and gender inequality.

This podcast will feature all types of individuals and professionals of all ages, colors, shapes and sizes. They will share their background, upbringing, life transitions, successes, and real life struggles so that you can witness first hand for yourself the winning mentality. Some call it drive, others call it purpose. I call it “The IT factor”. Each episode is going to contain valuable information to help you grow on your path, regardless what stop or place in life you are at currently. I want you to be able to take just one thing away from each episode and implement it to your psychology or daily activities. Which brings us to the title “Deposit That” and its meaning. I want you to take just one thing to your memory bank aka brain, and “DEPO$IT THAT”.

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41 Episodes
One of the reasons there’s poor management in the mortgage sector is the lack of education. People end up in managing positions, without really understanding the full landscape, and that affects how the entire industry develops and influences the lives of so many people.It’s time for some change, don’t you agree?Ralph intends to disrupt the way you think about the mortgage industry, the way you see the business, and the way you do business. He encourages people to think outside the box, take some shots, and try different things.In today’s episode, I am joined by my friend, Ralph, who is living proof that you can form friendships in business and business in friendships. We take the pulse of the mortgage industry today, stressing the need for more education – both for buyers and sellers - and we dive into predictions for the foreseeable future.Ralph Dibugnara is a nationally recognized mortgage expert and a frequent real estate industry commentator, featured in CNBC, Fox Business, Forbes, Huffington Post, and several other top-tier media outlets. With over 15+ years of experience, he is the President of Home Qualified and Vice President at Cardinal Financial, and focuses on the millennial demographic and redefining the role of the banker in today’s buyer-centric real estate market.A frequent industry commentator, Ralph is laser-focused on the trends and tides of the new world real estate game, so listen to Episode 39 of Deposit That, to learn the latest tendencies in this industry, especially with everything that’s going on in the US, today.Questions I ask:Do you think that it was very important learning sales first, then add to your God-given talent of management skills? (01:46)What do you think causes the poor lack of leadership and management, specifically in the mortgage industry? (02:36)How do you set your goals and what your future plans are, in a daily environment? (22:12)Do you think loan officers are still a value nationwide? (28:33)How do we get out to the consumer that not every rate is for every single person, and we don’t control that? (34:21)What do you see happening over the next 90 days in the marketplace? (39:33)In this episode, you will learn:Ralph’s background and how he got into the mortgage business. (00:58)The importance of developing a personal brand. (07:36)How having a routine was one of the contributors to Ralph’s success. (14:27)How Ralph views the recruiting process in this industry. (26:23)The vision behind the “real estate disruptors”. (29:11)Ralph’s Deposit That advice. (43:37)Connect with Ralph:LinkedInInstagramCardinal Financial WebsiteHome Qualified Website See for privacy and opt-out information.
Nowadays, we are told to pretend, fake, and create this persona that we’re not. Being comfortable with yourself and being honest with who you are, gives you the energy to thrive in the space that you step into, no matter what that is.In today’s episode, Marcus and I focus on the topic of overcoming the struggle of going from the sports structure into the life after sports because the longer you play, the harder it is to accept when it ends.Marcus Stout works with basketball players of all levels in various capacities to develop their on and off-court skills. He is involved with many programs, such as NBA Pre Draft training - which helps prepare players for the NBA who are eligible for the draft; The Academy – which is a program that is focused on developing the overall skills of the youth as a player and person; Drill and Play – which focuses on the development of the youth through the game of basketball.So, listen to Episode 38 of Deposit That, to learn that acceptance of who you are and how you fit within the world is the biggest separator of people that are doing great and people that are not.Questions I ask:Tell us about your journey. (01:13)Do you feel like your injuries happened for a reason, in order to give you the opportunity to give back the way you are today, to kids, and inspiring the youth, or do you think there was another reason for that? (03:01)How was the transition from high school, with no expectations, into college and playing? (03:44)Do you see sports ever changing back to the old school way of combine, show up, get looked and move forward? Or is it more of a long-shot investment now? (09:12)What’s one thing you want to leave the listeners with? (55:44)In this episode, you will learn:In today’s sports world everyone is looking for shortcuts to find the next diamond in the rough. (12:28)How to keep a balance in the roller coaster of the sports world. (20:49)Marc’s experience with getting injured. (27:31)The longer you play, the harder it is to accept when it ends. (31:56)The reasons why writing is therapeutic. (34:16)The top 5 young NBA players to watch. (52:15)Connect with Marcus:LinkedInFacebook See for privacy and opt-out information.
There’s no substitute for hard work, for grinding, for building your own thing. Even when you’re tired and you want to go home, putting an extra effort into what you’re doing, and hustling just a little bit more, can definitely make you feel better about yourself.  In today’s episode, I talk to Frank about a ton of things. He’s a young and restless individual, who never likes to sit still, so he’s got a lot of stories to tell. We chat about his background, his numerous experiences in different fields, and how he juggles his personal and professional life.From a young age, Frank Valenti worked alongside his father at his landscape construction company. While he was in college, studying civil engineering and construction management, he started his first company, doing small construction jobs. A friend of Frank’s advised him to get into the restoration business, so he founded Valcon Contracting Corp – a fire, mold, and water-restoration company, that now is very successful and is preferred over its competitors.Frank’s entrepreneurial spirit, and the success of his company, led him to invest his life savings into a commercial building. That building had an empty first floor, so he decided to start, together with two friends, an Italian restaurant called “808 Social”.So, listen to Episode 37 of Deposit That, to learn what makes this guy special, and the reasons why he’s the go-to guy whenever there’s a fire/mold/water restoration needed.Questions I ask:What would you say are two or three variables that turn a deal out to be good – better than expected, or bad – worse than expected? (05:47)Talk to me about all the ancillary businesses that you’ve opened up. Why you’ve opened them up and how you became the entrepreneur you are today? (08:29)If you had to pick one business that you have, to go all-in on, what would it be? (15:57)What do you see in the market in Westchester County right now? Where do you see opportunity and where do you see pain points? (16:30)Where do you think that the opportunity lies right now, in the real estate world? (21:21)In this episode, you will learn:How to land a job/project even though your rates are higher than your competitor’s. (11:13)How Frank ended up opening a restaurant. (14:21)What Frank looks at when analyzing a deal. (24:49)How Frank handles work-life balance. (28:25)Frank’s Deposit That advice. (33:31)Connect with Frank:LinkedInInstagramFacebookWebsite Valcon Contracting CorpValcon Contracting Corp on FacebookValcon Contracting Corp on InstagramWebsite 808 Social808 Social on Facebook808 Social on Instagram See for privacy and opt-out information.
In order to become successful, no matter the field you’re in, you’ve got to focus on the process and fall in love with “how” you do things, not with ”what” you can get out of what you do. Allow yourself to make mistakes, to learn and to adapt. Be open to everything because the minute you become naive and a tunnel-vision person, you stop growing.In today’s episode, I talk with Lamar about how he sees the world in general and the healthy attitude we should all have toward each other. He talks about becoming successful relying on your own forces and instincts, and he shares with us stories from his rich background.Lamar McKnight was born and raised in the heart of Jersey City. He almost lost his life from just hanging with the wrong people at the wrong time, but he survived and learned his lessons. Lamar says that his past is the root of his current success. He started the Lamar McKnight Quarterback Academy in New Jersey and he is one of the fastest-growing quarterback trainers in the country.What makes him so special is the way he views human connection – regardless of where you come from, regardless if your black or white, he’ll treat you according to the person you deserve to be.So, listen to Episode 36 of Deposit That, to learn some great life lessons from the man who knows what it’s like to not have enough but also what it feels like to have everything.In this episode, you will learn:Lamar’s background. (00:32)All people are the same, regardless of their color. (13:57)Nobody can come and take from you what you’ve built. (24:40)Sometimes what we think we want isn’t necessarily what we need – look back and self-reflect to understand how you got to where you are. (36:09)Lamar’s Deposit That advice. (59:44)Connect with Lamar:Website – Lamar McKnight Quarterback AcademyLinkedInTwitterInstagramFacebook See for privacy and opt-out information.
Since the invention of blockchain, in 2008, there has been a lot of fuss around cryptocurrency and how this could impact the world we live in. It’s a vast domain, that it’s becoming more and more influential with every year that passes.The average person on the street may have heard about blockchain, and Bitcoin, and other cryptocurrencies, but as far as understanding what they are, how they work, and the application for them, there’s still an educational gap that needs to be filled.In today’s episode, I want to unravel the truth behind cryptocurrency with Dr. Sean Stein Smith. He explains, in simple words, the terminology around it and he also shares some tips on what to pay attention to, when we turn our heads toward this world.Sean Stein Smith is a professor at the City University of New York – Lehman College. He also is the chairperson of the NJCPA's Emerging Technologies Interest Group (#NJCPATech). He serves on the Advisory Board of the Wall Street Blockchain Alliance, where he co-chairs the Accounting Work Group. Sean is on the Advisory Board of Gilded, a TechStars ’19 company. He was also a Visiting Research Fellow at the American Institute of Economic Research. Sean has also been named one of the Top 100 Most Influential People in Accounting by Accounting Today.So, listen to Episode 35 of Deposit That, to learn cryptocurrency 101 from one of the knowledgeable people in this field.Questions I ask:What got you into cryptocurrency? And what happened in 2017? (01:02)Where are we at, in the crypto space right now? (06:39)How do you see Ripple impacting the financial sector? (12:03)Do you believe blockchain is built for every single industry? (22:45)What tips would you give to people that are interested in this field and want to learn and maybe invest? What would your advice be, in doing due diligence? (32:05)From a real estate standpoint, do you believe we’re starting to see more people buying and selling real estate with the blockchain and Bitcoin, or no? (37:40)Do you think we’ll come to a point where every single human has its own blockchain profile, like a Facebook profile? (38:43)In this episode, you will learn:What Ripple and XRP are. (12:07)What a token is. (12:59)The problems that blockchain solves in the world. (20:32)Blockchain and real estate – how these two work together. (23:53)The most commonly used asset for criminal actions. (26:57)Sean’s crypto-related Deposit That advice. (40:13)Connect with Sean:LinkedInTwitterFacebook See for privacy and opt-out information.
“A good loan officer can fix problems; a great loan officer avoids them“Being in the mortgage industry has its perks, but it also means that you have to find a way to be available for your clients 24/7, and this is not an easy job, especially if you want to also take care of yourself and your family.But, once you figure out a system that works for you, things get a lot easier.In today’s episode, Steven and I discuss how to balance a mortgage career and a personal life, and he shares some of his routines and systems that have helped him manage the everyday hustle. In addition, we also talk about the current market environment and how Steven sees it evolve in the future.Steven Koerner and his dedicated team pride themselves on delivering a transparent, seamless and efficient mortgage experience to their clients.  Steven is a 17 year veteran in the mortgage industry who meticulously focuses on details for his clients. He has found his home with Citizens Bank for the past 5 years.  Steven is a recipient of multiple awards including “Presidents Club”, “Customer Satisfaction” and the prestigious “Citizens of Excellence”. Steven Koerner is a proven, time-tested exceptional mortgage expert.  Building a meaningful bond and educating his clients are some of the reasons why clients love working with him and his team.So, listen to Episode 34 of Deposit That, to learn how to do eight hours’ worth of work in half the time, and how to keep your clients happy.Questions I ask:What got you into the mortgage business? (01:22)What did you focus on when you got into the business? (02:15)How have you been able to manage your personal life with your business life? (16:45)What’s your weekly routine? (18:19)What would you say is the biggest sacrifice that you made for yourself and your wife? (44:44)What’s your personal forecast and understanding of the current market environment that we’re in right now? (48:16)In this episode, you will learn:The reason why Steven chose to be part of Citizens Bank. (10:49)The type of clients that work with Steven. (14:58)Steven’s follow-up process both with the referral source and with the client. (23:53)How Steven sets goals for the year and how he tracks on a monthly basis where he’s at. (29:01)The trouble with Zillow, in a nutshell. (51:35)Steven’s Deposit That advice for people to implement into their daily life. (52:57)Connect with StevenLinkedInFacebookCitizens Bank See for privacy and opt-out information.
Throughout life, there’s going to be challenges and hard times, but there’s also going to be some magical times. You never know what tomorrow holds, so you’ve got to keep working, grinding, and perfecting yourself and never stop learning.In today’s episode, Ashley and I talk about the world of basketball, and what it means to dedicate your life to this sport. As a tribute to Kobe, she also speaks about their relationship on the court and as friends, and she encourages all of us to rise and shine and crush life.Ashley Battle is currently a Basketball Operations Associate at NBA. She started playing basketball at an early age, and when she was in fifth grade she was the only girl on the boys’ basketball team. She spent her high school years in a boarding school in Wheeling, West Virginia, where she set school records in points, rebounds, assists, and steals. She decided to go, for college, at the University of Connecticut, following most of her friends there, and she graduated with a bachelor’s degree in Marketing and Economics.So, listen to Episode 33 of Deposit That, where Ashley shares some valuable life lessons she learned on the court.Questions I ask:What was like being in Kobe Bryant’s presence? Was it different than anything else you’ve ever been around? (02:40)How did you wind up at UConn? (04:01)In women's basketball, is it common to leave early and go to WNBA or is it kind of like, you do your four years, you graduate, and then move on? (14:23)Do you think that the practices more so than the games, prepared you for real life? (18:42)What’s one thing you want to leave everybody with, to Deposit That in their memory bank? (39:00)In this episode, you will learn:How Ashley’s perception of life changed after moving out of Pittsburgh. (07:11)How Ashley recovered from an injury she suffered in her freshman year. (12:21)The similarities and differences between being in a basketball team vs being in a corporate team. (20:15)Ashley’s experience of playing for the New York Liberty. (30:39)Ashley’s current role in the NBA and what the future holds for her. (35:14)Connect with Ashley:LinkedInInstagramFacebook PageTwitter See for privacy and opt-out information.
Holistic medicine is a form of healing that considers the whole person – mind, body, spirit, and emotions.As some of you may know, in 2017 I went on a personal journey meant to bring back balance in my relationships, my life, my mind, and my body. That’s when I met Leo and Veronica and without them, I probably wouldn’t be where I am now.In today’s episode, we talk about their work and how they are able to help people by combining different techniques, from massage therapy and balancing internal energies through meditation, to dance, and creative arts therapy.   Veronica Olivares has built a private practice as a therapist, combining a holistic approach with traditional methods. She discovered the significant impact of alternative healing techniques while training in dance therapy as well as in the creative arts. Always having been a creative herself, Veronica believes that true healing and transformation can occur when we learn to tap into the parts of us that ignite and inspire the creator within.Leandro Acevedo is a holistic massage therapist with over twenty years of experience. He has created his own style of healing by combining different techniques plus adding his own methods. He believes if we understand how energy works, we can use it to benefit our health mentally, emotionally, physically and spiritually. His work focuses on balancing internal energies in order to heal.Listen to Episode 32 of Deposit That, to learn the different types of problems people have when they decide to work with Leo and Veronica, and why a holistic approach can help you bring harmony into your life.Questions I ask:Veronica, what do you think got you specifically into this space other than to help other people? (03:45)What causes judgmental people, in this world we live in, to be so judgmental and critical without knowing the full story? (13:36)How did you guys meet? (14:46)Do you believe that every single person should incorporate energy work into their life at some point? And is there a time when it’s more beneficial or less beneficial? (20:13)Do you ever let your business work impact your personal life? (36:13)Explain how men and women are so different and how they are supposed to interact with each other? What are the biggest things that people conflict on? (40:17)In this episode, you will learn:Leo and Veronica’s background and what they currently do. (01:05)About the dark shadow that’s present in each one of us. (08:40)Where the ego comes from. (09:28)The skill that makes talk therapy so efficient. (21:15)Veronica and Leo’s secret ingredient that makes them better than other people in their field of work. (28:17)How Veronica and Leo prove their work is real. (32:24)Your Deposit That advice for this episode. (43:49)Connect with Veronica & LeoWebsiteLinkedIn See for privacy and opt-out information.
Lending in the real estate industry – as in any other field – requires a certain degree of communication between parties. As a borrower, it’s essential to be upfront with any difficulties you may encounter, because everyone can have rough times and lenders can be very understanding if they know the whole story.In today’s episode, Matt and I discuss the key aspects a lender looks at when taking into consideration whether to invest in a deal or not, and he shares some of his experiences on the subject.   Matthew Barbaccia started his career in 2005 selling multi-family buildings in the Bronx for one of the largest national commercial real estate companies. As the market started to turn around, in 2008 he partnered with a Bronx owner-operator to combine expertise to better help his clients navigate the changing real estate market. Throughout Matthew's career, he has directly advised on the sale, financing or asset management for over $500 million worth of investment properties in NYC and Westchester County.Matthew founded Brix Real Estate to expand on 15 years of real estate experience in the Bronx, Westchester and Manhattan selling, financing and managing multifamily and mixed-use properties. He is actively involved in the NYC real estate community. Currently, Matthew is a member of Community Housing Improvement Program (CHIP) and Rent Stabilization Association (RSA).So, listen to Episode 31 of Deposit That, to learn how the real estate market has changed in the past few years, and what type of deals Matt focuses on, at the moment.  Questions I ask:What sparked that entry into the private lending space? (06:37)What’s been your experience so far? Do you like it? What are the opportunities and where are the problems? (07:39)Do you believe that people that want to get into real estate or mortgage lending should start while they're in college? (11:36)Based on all the years of experience, all the business ventures you've done, what you currently do - wife, kids, everything else - what's one thing you want to leave the listeners with that they can implement immediately into their daily life? (52:12)In this episode you will learn:Matthew’s background. (00:32)The reasons Matt transitioned to property management. (03:21)Mezz Financing explained. (09:03)How Matthew manages to balance his work life with spending time with his wife and two kids. (13:57)What a borrower should do, if they have hard times. (19:22)Connect with Matt:WebsiteLinkedInFacebook - Brix AdvisorsTwitterInstagram See for privacy and opt-out information.
Being successful at a young age requires a certain discipline, focus, and consistency. You can find ways to tweak some things in order to make it your way, and if you become consistent in what you believe in, you’re unstoppable.On today’s episode, you’re going to hear the unusual story of a young agent that is thriving in an industry he didn’t want to be a part of, a few years ago.Oscar Nunez is a knowledgeable, ambitious, and enthusiastic real estate agent that focuses mainly on keeping his clients happy and creating long-term relationships. He finds ways to sell homes no matter the condition, location or situation.So, listen to Episode 30 of Deposit That to learn about this rising star, how he managed to start and go full speed in the real estate business and what are the strategies he uses to close every deal he gets.Questions I ask:●     What actually got you into real estate? (05:45)●     What kept you going and what have you learned in the past three years of real estate? (06:45)●     Talk to me a little bit about your strategy moving forward. (10:28)●     How are you able to block out all the noise and the non-factual information? (12:54)●     Have you found it challenging to pick up on market trends in markets that you're not operating in daily? (17:37)●     Have you ever had a property listed that you didn't sell? (20:41)●     Have you ever lost business from being too honest with somebody? (26:02)●     What are your goals for 2020 and for the decade? (29:22)In this episode, you will learn:●     Oscar’s story before and after he came to the US. (00:26)●     Oscar’s traits, at 22 years old, that separate him from everyone else. (11:40)●     How Oscar chooses who to listen to and what advice to take. (14:21)●     Oscar’s follow up system with prospective clients. (18:57)●     Oscar’s advice for young people on how to get started and go full speed into the real estate business. (24:04)●     Oscar’s Deposit That advice. (34:11)Connect with Oscar:●     LinkedIn●     Facebook Page●     Facebook Profile●     Instagram See for privacy and opt-out information.
Failing is a great way to improve ourselves. We mostly learn from the mistakes we experience, but when it’s possible, it’s important to take notice of other people’s errors and try not to repeat them, so that we have less to experience on our own. In today’s episode, Brett and Dave share their biggest failures and what they’ve learned through the years. They also talk about EXP’s mentoring program that helps young agents find out what their weak spots are and become better at doing business. Brett Sikora launched Sikora Group in 2016, with the main goal of making sure that every client and team member is getting the white-glove service they need to make the process of buying or selling real estate as smooth as possible. He got his real estate license in 2007 and started selling real estate after he worked at a car dealership and wanted to pursue a career in sales on a bigger scale. David DeVoe is the CEO and founder of the DeVoe Group, a company that provides the best service possible to handle the real estate needs from start to finish. Prior to being in the real estate business, he worked in the mortgage industry for 10 years.So, listen to Episode 29 of Deposit That, to learn from their failures and deposit those into your memory bank, so that when you’re in a similar situation, you’ll have a better chance of not repeating the history. Questions I ask:Why EXP? (23:30)Do you think the industry is shifting, like, the people with experience and people without experience are actually willing to hire someone like yourself, to get coaching or get advisory or get some mentorship that they’re willing to pay for, other than the revenue share split for being on the team? (28:48)Why are people - specifically in real estate - so against the facts or the proof in the pudding of reality? (32:57)What do you recommend for the person that's listening and they’re like, "I really want to leave my full-time job. I want to become a successful real estate agent." How should that transition look like and at what point should they really just decide, commit, and go all-in on being a licensed real estate salesperson? (37:08)In this episode, you will learn:Jeff’s biggest failure. (01:08)Brett’s scariest real estate investment, and his definition of failure. (05:09)The trap than many people fall into – Dave included - thinking that all the money they make is theirs. (09:37)The importance of investing in an advisor that will help you set your budget right, especially if you’re young and inexperienced. (12:03)The benefits of EXP’s mentoring program. (43:00)Connect with Brett and Dave:Elevatedominate.comEXP Realty websiteThe DeVoe Group websiteSikora Group websiteDave’s LinkedIn profileBrett’s LinkedIn profile See for privacy and opt-out information.
One of the most important things to take into account in every industry - and the real estate world makes no exception - is yourself. It’s so important to always do what you set yourself up to, and respect your time.On today’s episode, Brett and Dave share their vast experience with real estate and what got them to where they are now. They run The DeVoe Group and The Sikora Group through eXp Realty - a virtual cloud-based brokerage that is changing the way real estate is done.Brett Sikora launched Sikora Group in 2016, with the main goal of making sure that every client and team member is getting the white-glove service they need to make the process of buying or selling real estate as smooth as possible. He got his real estate license in 2007 and started selling real estate after he worked at a car dealership and wanted to pursue a career in sales on a bigger scale.David DeVoe is the CEO and founder of the DeVoe Group, a company that provides the best service possible to handle the real estate needs from start to finish. Prior to being in the real estate business, he worked in the mortgage industry for 10 years.So, listen to Episode 28 of Deposit That, to learn what are the most important elements to be successful in business.Questions I ask:I want to hear what got you guys into the business and what year did you get started? (00:50)How do you balance that percentage of focusing on what works versus still being imaginary? (09:52)Talk about a little bit about your growth, personally and professionally, while being at the eXp and the numbers that you've produced, and the team that you've built out over the last 12 to 18 months. (21:39)How much value do you weigh on somebody saying, "Just buy and hold, buy and hold, buy and hold, don't fix and flip at the top of this market here"? (33:08)What do you guys recommend for people to do to set themselves up for success, not only for this year but for the next decade? (36:06)In this episode, you will learn:How the market is going to change in the next decade. (05:36)About Brett’s and Dave’s shift from Keller Williams to eXp Realty. (16:00)The trends and the opportunities in the New Jersey real estate market. (28:02)Brett’s and Dave’s Deposit That Advice. (40:20)Connect with Dave:WebsiteLinkedInConnect with Brett:WebsiteLinkedIn See for privacy and opt-out information.
Best of 2019

Best of 2019


Deposit That means to deposit in your memory bank at least one thing from every episode, and every guest we had over the past 25+ episodes was asked to share one advice that you can implement into either your personal life, business life or both.  In this special episode, we gathered every Deposit That advice from the show, so that you can have a powerful 2020 right from its beginning. Below, you’ll find a summary of the nuggets of wisdom we’ve collected over the past six months.On the personal side:Say what you truly believe in and take a risk to be yourself and authentic;Try to understand the other person’s perspective as well;Chase your dreams and your goals and don’t let anybody tell you that you can’t do something;Listen and take advice from the people around you;Don’t give up and don’t be afraid to fail;Find a style and a strategy for your life that fits your personality;Slow down, in order to speed up – take the time to figure out who you are and what makes you different.On the business side:Start small and work hard;Do not feel rushed to be successful, and remember that success doesn’t equal a massive paycheck;Surround yourself with the right team of people.We wish you a happy New Year and see you in 2020! See for privacy and opt-out information.
In the real estate field, 87% of agents will fail to thrive. But why is that?We have discussed in previous episodes about the lack of proper teaching and the hardships and benefits of being in this industry, but in today’s episode, Matt comes with a fresh perspective on this subject. His experience in the creative world has allowed him to create a different way of marketing the real estate business and he shares great and useful content for all the agents and home buyers/sellers out there.Matthew is an award-winning New Jersey Broker/Salesperson, working with first time home buyers, luxury home buyers and investors of real estate. For more than 10 years now, Matthew has been working in the Northern New Jersey & New York City markets and he specializes in New York City Commuters, Essex County & Bergen County area homes. Matthew is well-versed in home financing, Short Sale Certified and a Certified Negotiations Expert.So, listen to Episode 26 of Deposit That, to learn how Matt took all his experience from being in the creative field for 30 years and used it to build a successful business in the real estate industry.Questions I ask:Now you own a real estate brokerage company in New Jersey, but what is your background prior to getting into the real estate business? (01:07)Talk to us about your experience marketing not only your company on social media, but you using Facebook as a platform to educate people and show them how you’re doing business. (17:36)What’s one thing you want to leave everybody that’s listening today with, in order to implement in 2020? (51:51)In this episode, you will learn:The story of the first piece of property that Matt bought. (09:10)The two rules that Matt applies when dealing with home sellers and agents. (23:04)The number one rule of being successful, in Matthew’s opinion. (26:50)The new rules of NAR – The National Association of Realtors – and how they affect the real estate industry. (27:53)The three pillars of Matt’s business. (49:47)Connect with Matt:WebsiteLinkedInFacebook ProfileFacebook PageYoutube ChannelTwitter See for privacy and opt-out information.
Oftentimes, when we dive into a new business or a new industry, we are bound to make some mistakes. These are common mistakes that most people do when they start their career, so why not learn from those who experienced them?In the mortgage world, the errors in judgment are frequent, since not many people actually dream of becoming a loan officer or a realtor, therefore, there aren’t many ways you can learn, other than through experience.On today’s episode, I talk to Jennifer, who after 30+ years of being in the mortgage industry, has gained valuable knowledge on how things work. Jen mentors people, now, because she believes nobody should spend half of their working life to learn on their own what can easily be taught by others.Jennifer Du Plessis is a keynote speaker, mentor, podcast host, and author. She began her long career in mortgage lending while in high school and continued to work through college. In the last 30+ years, she has been a delegated underwriter for the FHA, Veterans Administration, and both Fannie Mae and Freddie Mac. She has held management positions from District Manager to Executive Vice President/National Sales Manager. Now, she is helping Mortgage Loan Officers, Realtors and Entrepreneurs grow their businesses while maintaining the lifestyle they’ve always dreamed of.So, listen to Episode 25 of Deposit That to find out what you should focus on, to get more clients for your business.Questions I ask:How has the mortgage career allowed you to evolve into different industries, different paths that you probably never thought you'd be on? (06:00)What's your vision as far as technology being implemented into the mortgage and real estate field today? (12:51)Do you believe, eventually, the sales managers are going to be gone and people are going to be more inclined to get a coach like yourself or they're going to be able to go on a webinar and hear somebody speak? (19:32)What is your advice to people, to survive the slowdown? (25:00)You travel all over the country. Do you see a different business model in every different demographic and state/part of the country you go to? (31:24)In this episode, you’ll learn:Why training new people in the mortgage industry feels like babysitting. (03:40)Jen’s philosophy on teaching people how to do things. (07:32)The Fascination Advantage or how the world sees you. (08:06)The difference between mentoring and coaching. (20:00)Jen’s Deposit That advice. (38:10)Connect with Jen:WebsiteLinkedInMortgage Lending Mastery PodcastBook: Launch! How to Take Your Business to New Heights See for privacy and opt-out information.
In the past several years, social media has become a powerful tool in successfully handling any business, but a lot of people still have to find their way in mastering the skills required to promote themselves on these platforms.Sharing your story gets a potential client to know, like, and trust you, but sometimes it’s hard to show up and be comfortable and confident with who you are, in the eyes of the world.On today’s episode, Megan shows us the importance of using social media for our business and gives us tips on how we can start engaging with our potential clients, through our posts.Megan Anderson is a marketing and social media guru at MBS Highway – a platform for loan officers, that helps them articulate the financial market, create relationships, and close deals. Before working in the mortgage industry, Megan trained people online, for bodybuilding shows. This helped her see the power of promoting through social media and she noticed a general need for people to develop in this area, so her goal, now, is to teach individuals how to use the online resources at hand.  So, listen to Episode 24 of Deposit That, to learn how to master this powerful tool and get in line with those who are already experts.   Questions I ask:Talk about the transition from the fitness world until where you are today. (01:22)What is MBS Highway? (06:31)Where would you say is the most challenging aspect of your business? (09:37)How did you get into writing poems? (13:29)What have you learned in the mortgage business so far in the past four years of doing what you're doing? Do you think that there's a future for it? Do you think that has to change? Do you think that people are going to change? (22:43)Why do you think it's so hard for people to actually share their personal stories? (27:55)In this episode, you will learn:Why social media is needed in today’s business world. (07:55)How somebody can balance their insecurities. (12:04)Megan’s advice for people who want to get their story out. (28:08)Megan’s morning and daily routine. (30:46)Megan’s Deposit That Advice. (34:22)Connect with Megan:InstagramLinkedInMBS Highway website See for privacy and opt-out information.
Social media has allowed everyone to be a writer. Whether we’re updating our Facebook status, or we Tweet an opinion or post a long story on Instagram, we all put our creativity into words. But, being a writer means more than that, it requires a lot of hard work, discipline, passion, and dedication.In today’s episode, Ben shares some of the secrets he has learned over the years, from his experience with writing for sports magazines and websites, and also dipping his toes in the literary area.Ben Osborne has been a part of SLAM magazine, rising from intern to nearly a decade as Editor-In-Chief, and, in 2016, has made the transition to being Editor-in-Chief at Bleacher Report. He felt he needed to take this step because, while he loves basketball, he is an all-sports fan and believes he’s got something to offer on all of them.So, listen to Episode 23 of Deposit That, to learn what it takes to be a successful writer in the sports world.Questions I ask:Did you always write about sports, even while you were playing them, or not? (01:54)What was it like, working for SLAM? (04:26)What's your advice to somebody that really wants to turn their passion for writing into income? (09:27)How do compare, good or bad, ESPN to Bleacher Report? (29:04)How do you translate what's in your head and what you feel on the inside, onto paper, where everyone can read it and understand it? (35:06)What's the one thing you want listeners to walk away from your episode, with? (39:58)In This Episode, You Will Learn:Ben’s background and how he ended up in the sports writing world. (01:06)Why he decided to transition from a 10-person company to a huge one, and how we dealt with the change. (06:13)Ben’s advice on coming up with a creative title for articles, or books. (13:44)About the Bleacher Report’s app and why is different than other sports apps. (26:36)Ben’s advice for people that want to write a book. (32:21)Connect with Ben:LinkedInInstagramTwitterBook: The Brooklyn Cyclones: Hardball Dreams and the New Coney Island   See for privacy and opt-out information.
In today's world, everyone is being rewarded just to do the job that they were assigned to do and not go above and beyond. But if you don't go out there and give your best effort, if you don't go out there and try to display excellence and be the best that you can be, what kind of man are you going to be?On today’s episode, I talk with Colt about the workouts he does, and the techniques he uses to push athletes and bodybuilders to their highest potential.Colt Colletti is a native of River Ridge, who prepped at John Curtis Christian High School and played for the Colonels from 2000-2004. During his senior campaign in 2004, Colletti played in nine games and rushed for 546 yards on 91 carries with six touchdowns. Colt’s four years totals include 380 carries for 2051 yards and 24 touchdowns. Colt spends his time down in his home state of Louisiana and has some of the most well-known NFL athletes come to stay with him and train in what he calls “The Jungle” which is his house and garage gym.So, listen to Episode 22 of Deposit That, to learn what it takes to train toward your goals, and that consistent work is the secret sauce to achieving whatever you desire.Questions I ask:What are those top three things that you look for when you're sizing somebody up before you're going to train them? (03:30)What was that big hurdle that got you the recognition that took you to the next level where people were knocking on your door to train them? (14:06)When you train these athletes, obviously you're up against all of the odds and everyone's trying to say, “Don't do that, don't do this.” How do you handle that? (14:37)In your opinion, what's the definition of work? (22:59)                                                                                     Do you believe you are one of the five people you surround yourself with, or not really? (28:36)In a perfect world, where do you see yourself along with the help of others, taking your training business in the next couple of years? (29:54)In this episode, you will learn:About the type of workout he was doing, when he first started, at around 8 years old. (02:08)Colt’s experience with a car accident and how his life changed after that. (10:34)About his dogs and how they are his inspiration every day. (18:05)Colt’s vision and goal for his workout programs and the type of persons he is looking for, to become his clients. (24:48)Colt’s Deposit That advice. (34:48)Connect with Colt:Instagram See for privacy and opt-out information.
The restaurant industry is among the toughest ones. There is high employee turnover and you have to put your heart and soul into your business if you want to keep loyal people and have customers knocking on your door.Lizeth waited to get in the restaurant family business until she knew she had the skills necessary to grow it to its maximum potential – a Peruvian Franchise Empire. Her vision is, “When people think of Peruvian food, I want El Gordo to be among the first places that come to their mind.”In this episode, Lizeth is telling us her story of how she fought to remain in the U.S when she was close to being deported. We discuss the faults of the American Immigration System and what an immigrant has to go through to continue living in our country and we also touch upon what it takes to be a true leader.Lizeth Morales started out her career in the restaurant industry in 2012 and now she works alongside her mother to take El Gordo Restaurant to the next level. Prior to becoming a Restauranteur, she worked in corporate America for 6 years as a Senior Sales and Training Manager and from the outside, she was living the “American Dream” – at the age of 29 she had a successful career she had worked very hard to attain and was a first-time homeowner. However, in 2012 she had to come face to face with her truth: she was one of the approximate 11 million young people living in the U.S as Dreamers.She was detained in an immigration detention center for 17 days, lost her career and had to mentally prepare herself for the possibility of leaving a country she called home for the past 23 years. Listen to Episode 21 of Deposit That, to find out how that story ends.  Questions I ask:How has that first time we met evolve to today in your opinion? How do you see that relationship that we've built? (02:44)How long did they actually have you detained for? (20:10)What are some tips you can give other people that have restaurants or want to open up restaurants? (31:54)I know you’re doing a “Green Sauce” challenge. Tell us about that. (35:11)What's one thing you want to leave people with, to deposit to their memory bank, that they can implement?In this episode, you will learn:Lizeth’s professional journey. (04:19)Her personal story. (09:42)One of the most frustrating things with the immigration system, for a person that has to deal with it. (15:09)The thoughts that ran through Lizeth’s mind the day she got arrested. (17:00)How she got her first El Gordo. (28:03)Connect with Lizeth:WebsiteInstagram El GordoPersonal Instagram See for privacy and opt-out information.
Time is of essence when you need money. It’s like those rainy days when nobody is going to hand you their umbrella if you don’t have one, so you need to be prepared. There are some steps you should follow, in order to improve your credit score, so that when you do need money, the process to obtain it gets easier.On today’s episode, I talk to Paul and Eric from Better Qualified about financial literacy and credit education. We touch on subjects like credit reports, business credits, joint accounts and they also share some tips for high school and college students.Paul Oster, FICO Pro is considered the "Nation's Credit Repairman" - a credit expert who has appeared on numerous network radio and TV shows (FOX BUSINESS NEWS, CBS, ABC, NBC, FOX, PIX11).  He has also written for Kiplinger's, WSJ, and The Daily News. Mr. Oster is the founder and President of Better Qualified, LLC. Paul has over 20 years of experience in both the insurance and banking industries and, has dedicated his life as a consumer advocate.  Paul is also proud to have served on the Board of Directors for the American Red Cross. His humor and intelligence are highly sought-after from executives in the C-Suite of major corporations. Eric Stuerken graduated the University of Binghamton in 92 - All American sprinter and national soccer team honors. He played football in Germany for a season after graduating. Athletics and entrepreneurship have always run through his veins and his various ventures. Eric is a co-founder of Better Qualified.So, listen to Episode 20 of Deposit That, to learn what are the steps you need to take to ensure you have cash when you need it.Questions I ask:How did you guys get started in the business? What's your story? What's your background? (00:44)They say there's a direct correlation between your financial health and your physical health. Do you believe that at all? (02:33)High school and college kids - what's your top two things you would tell them to begin building their credit from as early as a freshman in high school, all the way up to a senior in college? (20:42)I know one of your biggest businesses is business credits for LLCs. Do you guys want to touch on that? (28:21)What do you guys typically charge to establish somebody's business credit and if they call you guys with the code QB or Deposit That, what discount can you give them? (35:10)In this episode you will learn:The origins of “The Nation’s Credit Repairman” nickname. (07:08)The value that a sports background brings to entrepreneurship. (11:26)Why 90% of the credit reports in America are inaccurate. (14:23)About their credit monitoring program. (16:42)Paul’s and Eric’s Deposit That advice. (38:24)Connect with Paul:LinkedInBetter Qualified websiteConnect with Eric:LinkedIn See for privacy and opt-out information.
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