RALPH’S PRESS

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...

Disruptor Diary: Our Own Race

We All Have Our Own Race to Run. Everyone is running a race every day. A race to be better. A better person, a better partner, a better parent, a better self. Why don’t we run that race to win? We are going to be running anyway. It makes no sense to not try and be...