Surfing The Channel

Archive for February, 2011

No matter what the current economy looks like we all want to see our businesses be successful and grow. However, it is during difficult times that we really learn to appreciate that success and work harder to achieve it. And when there are more businesses than customers, there is never a better time to be on top of your game.

Any loan officer will tell you that there are two main areas to focus on if you want to build your career–education and reputation.

For many, education is the easy part. After you complete your initial coursework and have received your license, it is important that you continue to take classes and keep up on changing laws and regulations. There are many different courses you can take or, if you have a tighter schedule, there are online loan officer training opportunities as well. It may seem like a lot of work now but it will save you a lot of time, money, and trouble down the road.

A good reputation is as important to a loan officer as a paintbrush is to an artist–it is essential. Much of a loan officers business is brought to them by word of mouth and by developing good relationships with realtors who will pass on referrals to their clients. Because some aspects of the loan paperwork become public record, it doesn’t take much for realtors and others to see if loan officers are making bad deals and stop giving them referrals.

The bottom line is, if you are making your clients a priority and giving them the best service and deals that you can, you are already on your way to success.

If you suffer from sleep apnea you may not even realize what it feels like to have a real solid night’s sleep. The common symptoms of sleep apnea , fatigue, difficulty with memory and concentration, headaches and even personality changes, are due to the fact that you are essentially sleep deprived. Even if you spend eight hours a night asleep, you are actually waking up between five and fifty times an hour when you stop breathing.

It is possible for all those symptoms to disappear. You just need a prescription for a CPAP system. To get that, you’ll most likely need to undergo a sleep study at a specialized clinic. Once a doctor can confirm the diagnosis, they will likely write a prescription for you to get a CPAP machine. The doctor will demonstrate proper use of the equipment while you’re still in the office so that you will know what you are doing.

You may notice a difference the very first night you use CPAP. If not, you’ll definitely feel the changes within a week. Uninterrupted sleep allows you to reach the deep, restorative sleep that apnea prevents. You should awaken, maybe for the first time in your life, feeling truly rested. In time, you memory and concentration will improve as will your attitude and personality. Your headaches will disappear as will other physical symptoms. And your relationship is likely to improve since your spouse will no longer be disturbed by your tossing and turning, snoring , and gasping for breath.