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Okay, we are starting the new year. So far, it looks like it might be a little rough out there. The Stock Market has had a ton of volatility (and certainly has taken a bite out of our retirement and investment accounts) and it appears the real estate market continues to struggle a bit. Moving over to interest rates, they have been moving downward due to the flight to bonds.

With all that in mind, let’s talk about how to attack as we start the new year. For many, they will put down a ton of goals, and then figure out how they want to attack each of them. I tend to like a different approach. I would suggest looking at those goals and then figure out which ones truly will impact your business the most.

Now I’m not saying get rid of all of the things that you think you want to do this year. I am just saying focus on the top two or three. Once you’ve made an impact (or you have the proverbial plates spinning so to speak) on each of those three, then move on to the next two or three.

If you’re struggling with which things to focus on, then look at where your business came from this past year. Hopefully, you will see a pattern. Figure out what worked well; and then try to duplicate it more often as much as possible.

In many ways you might just want to reach out to your centers of influence that have been referring you business.   First, ask how you can help them back. Then ask them how you might get more people just like them. Sometimes it doesn’t have to be a big change to make a huge impact on your overall business.

I will leave it at this point for now. I am very willing to sit down with you to see how we might create some additional synergy to help each other. I am a big fan of those that are doing the right thing by their clients and want to improve to help their clients get better and better. If we can create a win-win for everybody involved, then it just makes it a lot more fun to do business.  Here’s to a great new year for all of us!

That’s it for this week.  As always, feel free to give me a call with any of your strategic financing needs.

Articles of Interest:

The SJ Mercury News shared “Big San Jose apartment complex sells for more than $100 million amid Google effect.”

Curbed shared “The 5 best shipping container houses of 2018.”

The SJ Mercury News shared “Relocation: Hot move for real estate agents.”

Bisnow reported “Tech Industry Continues To Drive Bay Area Office Demand.”

The SJ Mercury News also reported “Big downtown San Jose housing towers, retail, restaurant complex pushes ahead.


See the table below for approximate interest rates.



Type Rate Fixed Term
Apartments 4.095% – 4.660% 3 to 10 year (30 yr amortization)
Commercial 4.395% – 4.960% 3 to 10 year (25 yr amortization)
SBA Lending Call for Options Call for Options
SV Commercial Lending