The Culture Matters Podcast

“Life is a succession of lessons, which must be lived to be understood.” - Ralph Waldo Emerson Gary Englade is a leadership training specialist with the Maxwell Group. 00:00 Intro 13:21 “We simply care.” 25:30 Gratitude & perspective. 36:23 Start today. Plant your seeds. 51:45 Be confident in yourself and the rest will follow. 01:01:15 Be the guy who's willing to go the extra mile.

“What you do speaks so loudly that I cannot hear what you say.” - Ralph Waldo Emerson Lindsay Musser Pacheco provides custom and personalized Cutco gifts for people and their businesses, such as real estate or loan officers. 00:00 Intro 10:20 Don’t let fear come between you and success. 20:50 Put your effort in to become extremely successful in one thing, rather than be moderately good at multiple things. 31:20 The best advice is simply to not give up. 39:45 SHOW appreciation rather than using words. 49:50 Whenever you invest in relationships, you’re going to get something in return. 02:00:55 Spend effort, not necessarily dollars.

“Truth unspoken becomes poison.” - Friedrich Nietzsche Connor LaRocque is a marketing expert and CEO of SocialRise. 00:00 Intro 05:50 Approachability. 12:00 Like mindsets. 20:39 The deeper you dive, the better you can predict the outcome. 25:32 Our population isn’t even close to what we’re capable of.

“One person with a belief is equal to 99 who have only interests.” - John Stewart Mill Andrew Berman is Head of Engagement and Outreach at American Business Media. 00:00 Intro 11:10 Talking & listening. 19:42 Tomorrow is never promised. 28:00 Reflections.

“I’ve always thought the actions of men, the best interrupters of their thoughts.” - John Loch Tom Bove is Founder of BBD Solutions, a business solution company. 00:00 Intro 06:36 When struggling during an adjustment period, set a goal and work towards it. 12:15 Your tombstone wont read about what you had, rather than what you’ve done. 21:10 “Did you know?”

“It is easier for a tutor to command than teach.” - John Locke Darwin Roman is a financial services professional. 00:00 Intro 10:10 The transfer of liability. 20:07 Leadership has its own unique set of difficulties. 31:04 The Social Security myth. @the_insurnace_mercenary

“What worries you, masters you.” - John Loche “Leaders are the pressure valve for whoever they lead.” - Scott Rutkay Scott Rutkay is president of Concourse Land Transfer, LLC. 00:00 Intro 10:20 Take the slow moments to prepare for the busy ones. 21:00 “Own stone.” 30:15 Communicate accurately and promptly.

“If you’re not aware that you’re not supposed to be able to do something, the barriers to doing it are dramatically lessened.” - Sam Zell Jake & Leanna Cunrod are founders of Penny Capital Management. 00:00 Intro 09:39 Why give up when you KNOW you can do it? 19:50 Hands on teaching is what makes the difference between mentors. 30:05 Don’t just rent a house to anyone without doing your research. Quality residents are worth the wait. 40:5 The stock market value is less factual and more emotional. 50:00 Deals are made off market. 59:12 Invest with a purpose.

“To become truly great, one has to stand with people, not above them” - Baron De Montesquieu Tony Capullo is founder of South Fork Business Ventures. 00:00 Intro 10:50 Perception is key. 20:03 Your limitations are sky high if you believe it to be so.

“I’ve never known any trouble that an hour’s reading did not relieve.” - Baron De Montesquieu Eddy Perez is partner at EPM, a mortgage servicing company. 00:00 Intro 10:20 What is habit stacking and how is it helpful? 20:00 The ever changing market teaches you valuable lessons about your business. 29:40 You can accomplish anything as long as you put your mind to it.

“The whole problem with the world is that fools and fanatics are always so certain of themselves, and wiser people are so full of doubt.” - Burtron Russel Aaron Young is chairman of Laughlin Associates, and creator of The Unshackled Owner. 00:00 Intro 10:45 Don’t make something into something it’s not. 20:47 Trying something risky can be intimidating but can pay off. 30:07 Making information and training more accessible. 40:00 Continuous learning.

“The only thing that will redeem mankind is cooperation.” - Burton Russel Robert Frehafer is founder of Guardian Home Improvements. 00:00 Intro 10:40 Implementing achievable goals for your team and yourself is impactful for your culture and morale. 20:35 What you allow, will be. 30:08 Ask to TRULY understand. 39:40 Why is God important to me?

“No institution can possibly survive if it needs geniuses or supermen to manage it. It must be organized in such a way as to be able to get along under a leadership composed of average human beings.” - Peter Drucker Bill Mervin is a mortgage lender within the Pennsylvania and New Jersey areas. 00:00 Intro 11:39 “Good news fast, bad news faster.” 20:31 The battle within this industry is between people who use it as a tool to make themselves wealthy long term and people who are using it to get rich quick. 32:57 It is dangerous to not have the knowledge necessary. 43:00 A huge part of this mortgage industry is understanding the psychology of the clients and the partners. 51:45 Key tools are ideas, solutions, energy, and positivity. 01:02:00 The more people you connect with, the more opportunity you will see.

“There is nothing impossible to whom who will try.” - Alexander The Great John Swartz is a real estate professional based out of Haddonfield, New Jersey with Remaxx. 00:00 Intro 10:15 While the industry struggles during this economic time, it is smart to utilize your industry properly to have multiple income streams. 20:53 If you’re a top producer, it is wise to stay where you are instead of starting over somewhere new. 31:36 COVID has ruined the compass for this generation of leaders. 41:13 Find what makes you happy and find like minded people.

Kevin DeLory is Chief Lending Officer & Partner at EPM, a mortgaging servicing company. “Intellect is a wild force in history. But, it can also be a destructive power. It becomes an instrument of justification for impulse.” 00:00 Intro 10:53 Don’t give up too soon. 19:55 Trust and a sense of equality create a strong foundation for a company. 30:20 Too much money can be a problem, just like not enough money.

“A hero is no braver than an ordinary man, but he is brave five minutes longer.” - Ralph Waldo Emerson Michael Ferraro is a luxury real estate professional within the Compass team based in Connecticut. 00:00 Intro 09:54 How to secure listings: Grow your network, gain experience & credibility, and be present. 20:27 Decisions are crucial so recognizing patterns is even more so. 30:10 Life can only be understood backwards but must be lived forwards.

Kenny Phillips is Senior VP of mortgage lending at EPM. “What is success? To laugh often, and much. To win the respect of intelligent people and the affection of children. To earn the appreciation of honest critics and endure the betrayal of false friends. To appreciate the beauty. To find the best in others. To leave the world a bit better, whether by a healthy child, a garden patch, or a redeemed social condition. To know even one life has been made easier because you have lived. This is to have succeeded.” Ralph Waldo Emerson 00:00 Intro 10:50 Getting back to the basics. 22:10 Long term thinking.

“All life is an experiment. The more experiments you make, the better.” - Ralph Waldo Emerson 00:00 Intro 11:11 Utilize your time and resources to give yourself the freedom to pursue the things you're passionate about or excel at. 25:21 Helping people feel heard and supported. 35:11 Creating and offering products online is complex and hard work but can be very successful if done carefully and properly. 48:58 Do your mentors really want to help or do they just want to make money? 54:00 What can I control?

“Nothing great was ever achieved without enthusiasm.” - Ralph Waldo Emerson 00:00 Intro 8:50 Be grateful for what has come and what is to come. 20:14 “They never put your networth on your tombstone.” 32:30 What’s next?

“Our greatest glory is not in never failing, but in rising up every time we fail.”- Ralph Waldo Emmerson 00:00 Intro 9:40 Online VS. in-person relationships 20:00 Be My Neighbor. 30:00 Be willing to fail.