RALPH’S PRESS

Be Irrationally Confident for You

Most people who reach high levels of greatness have what is perceived as a completely irrational belief in themselves. To reach great heights, we have to back ourselves and believe even when the norms of society or our business say it’s impossible. This confidence...

Disruptor Diary: FAILING IS THE GREATEST ASSET

Failing is the greatest asset to the foundation of success. I believe the greatest skill we can develop is learning to fail but not quit. Everyone fails, everyone loses, but it’s what you do next that counts most. Failing and coming back has given me my greatest...

8 Insider Tips To Get Rich in Real Estate

If your only experience investing in property involves paying your home's monthly mortgage, you might want to consider expanding your real estate portfolio. In fact, there are a number of ways to make money through real estate, and not all of them require taking out a...

Disruptor Diary: BE WILLING TO NOT APOLOGIZE

We have to be clear about what we want and be willing to say I don’t give a fuck! That means deleting all the things that don’t serve us or our goals. If we have a clear vision of what our goals are and how we want to spend our time, we have to be willing to get rid...

Mortgage rate forecast for June 2021: Expect rates to creep up

ith the CDC recently revising its guidelines on mask-wearing for fully vaccinated Americans, many are hopeful that the worst of the coronavirus is behind us. Mortgage seekers have benefitted from recent dips in the 30-year benchmark fixed mortgage rate, including a...

Disruptor Diary: THE DARK TIMES

THE DARK TIMES WILL BE OUR SHINING LIGHT IN FINDING OUR TRUE PATH TO SUCCESS. It’s hard to tell when we are in the middle of something that is stressing or hurting us what the end result will be. My absolute worst times, where I was free falling, became a strength I...

How Much Mortgage Can I Afford?

To figure out the cost of owning a home, the first step is to determine how much mortgage you can afford. Be honest about what you spend and what you can afford. In all your excitement about the prospect of buying a house, you may be tempted to twist your financials...

How Much Down Payment Do You Need for a House?

You can buy a house with less than 20% down, but other factors determine the exact down payment you need. Before you start shopping for a home, you need to know what you can afford – and a big part of that depends on how much you can afford as a down payment. But how...