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Courthouses and Bankers Title Shenandoah
will be closed on Monday, October 12th
in observance of Columbus Day
The 18 Most Powerful Habits That Can Make You Super Smart
by Thomas Oppong

If you're not becoming a better version of yourself, you're not growing. If you're not growing, you're not becoming smarter, or a better human. Winston Churchill once said, "To improve is to change; to be perfect is to change often." No matter how much you develop the necessary skills to improve any given aspect of your life, you can always improve and get better. Getting better and improving yourself is a life-long process. Click HERE to discover ideas that can have a significant impact on your life and career now and in the future.
Here are additional articles related to Personal Development that may be of interest: 
5 Reasons Mortgage Rates Will Rise in 2021
David Stevens looks into his mortgage crystal ball
by David Stevens

Let me be a contrarian: Get ready, because mortgage rates are going to rise in 2021. Now before you respond, just read the rest as to why. The Mortgage Bankers Association in its most recent forecast sees two things that stand out. First, 2020 will prove itself to be the second biggest mortgage year in history. Topping $3 trillion will put it only behind 2003 in single family mortgage production history. Second, the MBA joined the GSEs and other economists who forecast a significant drop in mortgage production in 2021, with most estimating declines in the range of $700 - $800 billion year over year. Click HERE to read the reasons David gives as to why upward pressure on mortgage rates could stall the refinance wave and cut overall national originations volume in 2021.
Here are additional articles related to the Mortgage Industry that may be of interest to you.
Are The Next Great Leaders Hiding in Plain Sight?
by Joel Garfinkle

There are plenty of statistics that clearly show most organizations have great talent in their midst, going largely underutilized and chronically overlooked. Chances are good yours is one of them - so where to begin? In my leadership training "Release the Untapped Potential of Your Underutilized Leaders," I discuss how to identify the undiscovered and bring out the hidden leadership talent so they can really shine. Click HERE to gain insights into the seven places your organization must look to find the next great leaders who are hiding in plain sight.
Here are additional articles on Leadership that may be of interest: 
4 Charts That Show How Different the Banking Industry is Today From the Great Recession
by Bram Berkowitz

The FDIC recently posted its second-quarter banking profile, a snapshot of earnings results for all banks insured by the FDIC that provides an overview of how the industry is performing as a whole. Given how much stress the coronavirus pandemic has put on the economy, and the recession the country finds itself in, the FDIC's quarterly profile is a good way to compare the industry now to what it was like during the Great Recession. Click HERE to view four charts that illustrate how much stronger the banking industry is now compared to 2008 and 2009 during the height of the Great Recession.
Here are additional articles on Banking that may be of interest: 


**Remember to offer your borrowers Owner's Coverage on their most valuable investment. It's a one time premium with a lifetime of security. In addition, they will receive a reduced premium rate when they obtain it simultaneously with your Lender's Coverage.**

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Butch Rutherford
Vice President & Agency Manager
Bankers Title Shenandoah, LLC

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