the ELEMENT in Mortgage Lending

the ELEMENT age Lending in Mortg

2 0 2 0 Q U A R T E R LY E D I T I O N

INSIDE THIS ISSUE: Secrets of Success

Tony Robbins

Ease financial

worries

Find your ‘Big Idea’

HEALTH in the NEWS A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

Element Excellence Steve Kinzler My Brand Promise • Committed to diligently serve my clients and partners as if family.

• Passionate resolve to help my clients build their homeownership dreams.

• Intentionally create a win-win-win environment for clients and partners by creatively collaborating and strategically connecting.

My Core Values • Grounded in love • Committed in serving • Joy in giving • Harmony in collaboration • Success in team I have more than 30 successful years in the banking, mortgage and the financial services industry where I have held several senior leadership roles. This experience includes business/ commercial lending, residential construction financing, mortgage and home equity financing as well as helping real estate investors. This wide financial and banking experience has allowed me to take an unprecedented holistic approach when planning with his clients.

I have been involved building and serving thousands of client and partner relationships over 30+ years in the Charlotte and Lake Norman communities which has allowed me to become very well connected. This connectivity and robust network has served my clients and partners extremely well. Priding myself on the solution focused, “top-shelf”, client and partner experience, there are very few scenarios I have not seen.

My “core” is built on serving others and giving back to the community is extremely important as demonstrated by the various non-profit boards served. I am a member of the Lake Norman Rotary where I am a Paul Harris Fellow as well as a graduate of Leadership Lake Norman where I also served as cochair for the 2016 Junior Leadership Lake Norman class.

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THE DASH

By Linda Ellis

I read of a man who stood to speak at the funeral of a friend. He referred to the dates on the tombstone from the beginning… to the end.

He noted that first came the date of birth and spoke of the following date with tears, but he said what mattered most of all was the dash between those years.

For that dash represents all the time they spent alive on earth and now only those who loved them know what that little line is worth.

For it matters not, how much we own, the cars… the house… the cash. What matters is how we live and love and how we spend our dash.

So think about this long and hard; are there things you’d like to change? For you never know how much time is left that still can be rearranged.

To be less quick to anger and show appreciation more and love the people in our lives like we’ve never loved before.

If we treat each other with respect and more often wear a smile… remembering that this special dash might only last a little while.

So when your eulogy is being read, with your life’s actions to rehash, would you be proud of the things they say about how you lived your dash?

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Secrets of Success from Tony Robbins Success guru Tony Robbins is world famous for helping people achieve their dreams.

On the Forbes website he shares some of his knowledge for everyone striving to improve and advance in their career: • Value. “You’re rewarded for delivering massive value.

And now, when a lot of jobs are being automated and technology is making things happen faster than ever before, it’s even more important.”

• Motivation. “Focusing on the needs of others has a way of motivating you to do more than you thought possible.

When you give back to others, whether that’s your clients, your employees, or your community, you have a different kind of drive; a force that pulls you forward.”

• Role models. “I’ve found that the key to success is modeling the best. Find the people who’ve already achieved what you want to achieve.

Study the methodology behind their success and create a similar path for yourself.

One of my original mentors, Jim Rohn, taught me: ‘Work harder on yourself than you ever do on your job or business.

©Adam Jeffery | CNBC

Because if you can become more valuable, you will produce an amazing result.’”

A great teacher for Bill Gates When Microsoft founder Bill Gates attended Seattle’s View Ridge Elementary, he was a typical nerdy 4th-grade introvert who kept to himself. However, a kindly librarian named Blanche Caffiere helped him into his own in a way that would one day change the world forever. Gates tells the tale on his blog: “When I first met Mrs. Caffiere, she was the elegant and engaging school librarian at Seattle’s View Ridge Elementary, and I was a timid 4th-grader. I was desperately trying to go unnoticed, because I had some big deficits, like atrocious handwriting ... and I was trying to hide the fact that I liked

to read—something that was cool for girls but not for boys ... Mrs. Caffiere took me under her wing and helped make it okay for me to be a messy, nerdy boy who was reading lots of books.”

Mrs. Caffiere encouraged Gates’ passion for reading by helping him explore it through introspective questions, such as what he liked to read and why.

She went out of her way to find books that were progressively more interesting and challenging for him. Once he’d read them, she would ask him if he liked what he had read, and more importantly, what he’d learned and why. “She

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genuinely listened to what I had to say,” Gates recalls.

Blanche Caffiere passed away in 2006, shortly after reaching her 100th birthday—but not before Gates was able to thank her personally for the lasting impact her love and curiosity had on his life.

Berry Crumble It isn’t summer without a serving of a summer favorite Berry Crumble.

An easy, comfort food dessert that’s satisfyingly sweet and oh-sogood.

Directions

Ingredients

Filling: 2 pounds fresh berries, rinsed and drained 1/4 cup sugar 3 tablespoons cornstarch

Preheat oven to 350°F. Place 6 ramekins on a foil-lined sheet pan. Toss rinsed berries with sugar and cornstarch. Divide berries evenly among the ramekins.

Crumble: 1 cup flour 1/4 cup sugar 1/3 cup brown sugar 1/2 cup old fashioned oats 1 stick butter, diced at room temperature 1 teaspoon cinnamon 1/8 teaspoon salt

To make the crumble, combine the flour, sugar, brown sugar, oats, cinnamon and salt in the bowl of an electric mixer. Add the butter and mix on low until the mixture is crumbly.

Top each berry filled ramekin with the crumble mixture. Bake for about 35 minutes until the juices are bubbly and the topping is browned. I love to serve with vanilla ice cream when the berry crumbles are warm from the oven.

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Health in the News Practice good sun safety as you venture outside With stay-at-home orders loosening, people can now take advantage of the warm weather to get outside to the park or the beach. You still have to be careful, especially of the sun’s UV rays that can cause sunburn and cancer. Here’s some advice on protecting your skin: • Keep to the shade. If you go to the beach, bring an umbrella. Stay out of direct sunlight from 10 a.m. to 2p.m. Wear protective clothes, wide hats, and sunglasses.

• Use sunscreen. Choose sunscreen that’s water resistant, especially if you head to the beach or swimming pool. It should have an SPF of at least 30. Apply every two hours, as well as after swimming or sweating.

• Remember vitamin D. We get vitamin D, which supports immune health, from sunshine, but sunscreens can block it. You can take supplements, but foods rich in vitamin D include fatty fish, eggs, tofu, mushrooms, cheese, and fortified milk and juices.

• Check yourself out. Perform regular skin exams at home if you want to detect skin cancer early, when it’s most treatable. Contact your dermatologist if you find anything suspicious.

Keep your sanity as the crisis drags on The COVID-19 pandemic has taken a toll on everyone, and not just physically. Taking care of your mental health is important too, especially because no one knows when the crisis will end. The GOV.UK website shares this guidance on staying sane during these uncertain times: • Stay connected. Maintain your relationships with friends and family.

Social distancing guidelines may be looser these days, making things easier, but if you or a loved one is in self-quarantine because of a positive test for the coronavirus, don’t stay isolated. Reach out.

• Talk about your worries. Whether you work with a counselor or just talk to friends, don’t bottle your emotions up. Speak up about what’s worrying you. Letting your feelings out is good for your mind and soul.

• Take care of yourself physically. Eat healthy meals and exercise. Take a walk or a bike ride. Getting outside and staying in good physical shape will help you maintain a healthy mental state.

• Get plenty of sleep. Sleep can be elusive when you’re nervous about life. Stick to a routine that encourages eight or nine hours of sound sleep every night. You’ll get the physical rest you need and the mental break necessary to brain health.

• Find things to enjoy. Make a point of pursuing pleasurable activities to take your mind off things. Read a good book, watch a lighthearted movie, finish a jigsaw puzzle, cook a gourmet meal—do anything that lifts your spirits and makes you feel better.

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What’s the risk of catching the virus from a surface?

Whatever the future holds, it’s clear that COVID-19 will continue to be a risk for a long time to come. People worry about the chance of catching it from a surface like a countertop or doorknob. How big is the risk?

The Centers for Disease Control and Prevention advises that it is possible to pick up the virus by touching a surface with the virus on it and then touching one’s face, although that’s not the most common way it is spread.

A person with the virus may cough or sneeze into their hands, then touch a surface.

Studies suggest that, although it can last up to three days on plastic and steel, on most surfaces it starts to disintegrate in just a few hours.

Your best and safest bet, as always, is to wash your hands frequently and avoid touching your face as much as you can.

Ease your financial worries with this advice No one knows where we’re going to be as we start looking toward fall. Between the COVID-19 outbreak and the surge in racial unrest, life seems so uncertain, and probably your financial situation does too. Ease your anxieties with this advice from the Fatherly website: • Know where your money is going. This is good advice in good times as well as bad. Keep track of your spending so you can identify purchases that are unnecessary and prioritize essentials. You don’t have to be ruthlessly practical— include spending on a few things you enjoy—but make sure you’re not wasting dollars.

• Consider this a trial retirement. If you’re furloughed or out of work, take this time to think about what you’ll need for retirement. Even if you’re young, this can be a good opportunity for you to set priorities in your life. Some expenses will go up and others may go down, so you’ll have a better sense of how much you’ll have to save and how your lifestyle may change when you retire for real.

• Reduce your interest rates. If you’ve got a good credit rating, you should be able to refinance some of your outstanding debts— student loans and mortgages, for example. Work with a reputable financial planner to make sure you’re getting a good deal and avoiding unexpected fees.

Find your ‘Big Idea’ The legendary David Ogilvie was a pioneer of the advertising industry.

One reason for his success and influence was his ability to create what he called “the Big Idea”—a memorable concept that he could wrap an ad around, or base an entire advertising campaign on.

Here’s how he developed Big Ideas—and how you can, too: • Step 1. Analyze your data and look for the single element that best expresses what you want to say. What one idea do you want people to remember?

• Step 2. Take that idea and boil it

down to a statement of 10 words or less, using lively, action-oriented language.

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• Step 3. Build your presentation— whether it’s an ad, a speech, or a persuasive e-mail—around your Big Idea.

PROUDLY PROVIDED BY Brad Roche

Element Funding | Regional Manager PRMI | Chairman’s Club NMLS# 135191 400 N. Harbor Place, Suite G Davidson, NC 28036 Office 704-728-0191 A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

A HIGH POWERED MORTGAGE COMPANY

with a hometown feel

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191 Offers are subject to change at any time without notice. Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.