RALPH’S PRESS

Disruptor Diary: Being Humble

Being humble is not being weak and/or a pushover. It takes humility to know we aren't the best and there is more work to do. Understanding who we are and the process is humbling. There are always more levels to what we are trying to do. Think about how you feel now...

Disruptor Diary: Easy is Our Enemy

Things that are easy for us to accomplish are a bigger deterrent to our growth than anything else. Easy doesn’t push back or disagree with us. Easy lets us by without a fight. An easy workout, an easy challenge, an easy assignment. I can almost guarantee none of these...

How to make a cash offer on a house — with or without cash

Cash is king for many sellers today If you’re hunting for a house today, chances are you’ll be competing with other buyers for the same property. Making a cash offer is often a great way to improve your odds in a bidding war. And today, there are even companies that...

15 Types Of Real Estate Agents Every Buyer And Seller Should Avoid

House or apartment hunting can be a fun and exciting prospect. While the qualities you want in your new space may be obvious—like a wood-burning stove, a fenced-in yard or a spacious master bedroom—qualities to look for (or more importantly, avoid) in a real estate...

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

With 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: My Super Power is Showing Up 

When I’ve been in pain, without food, broke, sick, stressed, or emotionally not present, I stilled showed up. I showed up for work, for my family, for my friends, for events, for the gym, and for myself. I took responsibility, even when I wasn’t ready because I was in...

Disruptor Diary: Time Value > Money Value 

Money, whether given or earned, has a definitive value. Time & effort have an infinite value. We all only have 24 hours in a day and 365 days in a year. We can always make more money but we will never get back our time. If I give someone my time, it is giving them...

Disruptor Diary: Losses are the Path to Greatness

I’ve succeeded at some things in my life, and, when I look back at my wins, they never really resonated with me. It is the process it took to win those awards or trophies I think of. When I look back on it, I remember the early mornings, the long, dark nights. I...