Well today is the big day...it is New Years Eve...a day where many actually take a day off...except for me, so I thought I would toss some wisdom out that might last through the long weekend.
One of the things that I like to do at the end of the year is reflect on the year that has just passed me by...both personally and professionally and ask myself what I could have done differently and better.
Personally always holds many surprises for me as I reflect and of course some of the usual suspects like I could have exercised more and ate a better diet. I bet that I have this one in my head right up until the end.
This year though, with the loss of my mom, I find myself thinking about things a little differently. Life is too short and we take way to many things too seriously that we forget to stop and enjoy the simple things. We tend to take too many things for granted and when they go away...we are lost without them.
As I look to next year I want to do more with my family and enjoy them more....you never know when life can toss you a curve ball and you miss it. I do want to become healthier....Finally hitting 50 made me think about a few things as well and when you get winded climbing the stairs at home you ask yourself what happened. With the kids growing I don't have many opportunities to be part of their life left and Denise and I are going to be starting a new life as they exit. What will we ever do with all that extra time.....
Our industry has changed a lot as well and many are lost as a result. The changes in guidelines and policy have made many loan officers ask themselves why they are even doing this anymore. And now with all of the licensing stuff tossed in there it raises the question even more for many. I like to joke that all the money we are spending for this individually will just go back to help the bailout that happened but it will only put a small dent in it. We have lost and will continue to lose more companies and individuals from our industry because of this and that will affect what is left for the consumer to deal with. Hopefully it will leave stronger and more experienced companies and individuals. The industry reminds me a lot more of when I first started back in the 80's. It has more road blocks and has become more conservative. I guess we decided to fix the problem in our industry that we caused by making it even harder to buy a house then it has been in years. That will really help the economy won't it?
The year ahead will be interesting and we all need to look at what our goals are and what we want to accomplish. Getting healthier is always a biggie...but we don't think about getting a healthier attitude or wallet...just a healthier body.....and how often do we actually accomplish this? Start small and with easy things and then build up.
It will be interesting to see what the mortgage industry will hold. Today the final day of trading is positive for interest rates which tells me that we may be looking at a good week ahead but then of course Bernanke could stub his toe and the market could go to hell.
I was on my yahoo account and this made me chuckle...I hope it makes you chuckle as well....it reminds me that we forget about the simple things and take everything way too serious....Have a great 2011!!
http://comedy.video.yahoo.com/?l=3774749&v=7652402
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