Comments for http://kevinhardin.com Sun, 08 Apr 2012 20:23:48 +0000 hourly 1 http://wordpress.org/?v=3.3.2 Comment on Looking For Someone To Blame by Kevin Hardin http://kevinhardin.com/looking-for-someone-to-blame/comment-page-1/#comment-209 Kevin Hardin Sun, 08 Apr 2012 20:23:48 +0000 http://kevinhardin.com/?p=1256#comment-209 What state are you in? What state are you in?

]]> Comment on More Real Estate Inventory For Phoenix by Muskan http://kevinhardin.com/more-real-estate-inventory-for-phoenix/comment-page-1/#comment-208 Muskan Sun, 08 Apr 2012 19:56:01 +0000 http://kevinhardin.com/?p=1262#comment-208 Let me see if I can state my position as unoiuqvecally as possible:There are very, very, very few people who bought a house they could afford (that is, 20% down with a fixed-rate loan and a monthly payment under 1/3 of their income), who had adequate rainy-day savings (6 months of income is the traditional standard, although I'd recommend more with a predictable recession being imminent for years), and have lost their job and their home. I feel bad for those people, if there are in fact any in that situation. I also feel bad for the children of the irresponsible individuals who lost their homes through gambling (the only other scenario), may they learn from their parents mistakes and not gamble their well-being on similar get-rich-quick schemes.However, I do not feel bad for most of the people who have lost their homes (gambling bets) to this inevitable and predictable bubble correction. It's grotesquely irresponsible and despicable to put your family in that situation, and I have very little sympathy, especially with the seemingly universal mindset of avoiding personal responsibility and blaming the evil lenders and evil corporations.I also feel virtually no pity for people who own houses as investment or vacation properties. All investments carry risk, and bubble assets are very risky; if you were not aware of that, you have no business investing in them, and you were likely just trying to hop on the get-rich-quick bandwagon (not you Brad, but the generic investor). If you bought extra properties as luxury items, and they decline in value, suck it up. In either case, you may get my sympathy and condolences at a social gathering, but you absolutely fail to qualify as a human tragedy case.If you put 20% down on a house in a massive bubble market and you're now underwater, congratulations, you are now a more educated home buyer. Either you knew it was a bubble when you bought, or you were not educated enough to be buying (or you were gambling, which is the likely case, and I have no sympathy for you). If you believed everyone's hype, your 20% down has bought you a valuable lesson: marketing (like NAR propaganda) is not the same as unbiased advice. Try not to get bamboozled next time.There's no human tragedy here, or at most an imperceptibly small amount. What there is here is unrepentant greed, recklessness, consequences, and harsh life-long lessons. Yes, some of those are ugly, but your statistic is the silver lining: it means were getting closer to the eventual bottom, where everyone involved can bottom out and start rebuilding, hopefully a little wiser this time. That's not ugly, that's the cycle of life. Let me see if I can state my position as unoiuqvecally as possible:There are very, very, very few people who bought a house they could afford (that is, 20% down with a fixed-rate loan and a monthly payment under 1/3 of their income), who had adequate rainy-day savings (6 months of income is the traditional standard, although I’d recommend more with a predictable recession being imminent for years), and have lost their job and their home. I feel bad for those people, if there are in fact any in that situation. I also feel bad for the children of the irresponsible individuals who lost their homes through gambling (the only other scenario), may they learn from their parents mistakes and not gamble their well-being on similar get-rich-quick schemes.However, I do not feel bad for most of the people who have lost their homes (gambling bets) to this inevitable and predictable bubble correction. It’s grotesquely irresponsible and despicable to put your family in that situation, and I have very little sympathy, especially with the seemingly universal mindset of avoiding personal responsibility and blaming the evil lenders and evil corporations.I also feel virtually no pity for people who own houses as investment or vacation properties. All investments carry risk, and bubble assets are very risky; if you were not aware of that, you have no business investing in them, and you were likely just trying to hop on the get-rich-quick bandwagon (not you Brad, but the generic investor). If you bought extra properties as luxury items, and they decline in value, suck it up. In either case, you may get my sympathy and condolences at a social gathering, but you absolutely fail to qualify as a human tragedy case.If you put 20% down on a house in a massive bubble market and you’re now underwater, congratulations, you are now a more educated home buyer. Either you knew it was a bubble when you bought, or you were not educated enough to be buying (or you were gambling, which is the likely case, and I have no sympathy for you). If you believed everyone’s hype, your 20% down has bought you a valuable lesson: marketing (like NAR propaganda) is not the same as unbiased advice. Try not to get bamboozled next time.There’s no human tragedy here, or at most an imperceptibly small amount. What there is here is unrepentant greed, recklessness, consequences, and harsh life-long lessons. Yes, some of those are ugly, but your statistic is the silver lining: it means were getting closer to the eventual bottom, where everyone involved can bottom out and start rebuilding, hopefully a little wiser this time. That’s not ugly, that’s the cycle of life.

]]> Comment on Looking For Someone To Blame by JOIGMAR ALBAN http://kevinhardin.com/looking-for-someone-to-blame/comment-page-1/#comment-207 JOIGMAR ALBAN Sun, 08 Apr 2012 19:42:51 +0000 http://kevinhardin.com/?p=1256#comment-207 I AM ONE WHO IS GOING THOUGH THIS HARDSHIP SITUATION LOST INCOME, MY WIFE IS SICK AND MY PROPERTY IS WORTHY LESS THAN IT WHAT I AM PAYING FOR, I HAVE 3 YEARS TRYING TO MODIFY MY LOAN WITHOUT ANY SUCCESS, ASC IS SUPPUSE TO BE MY LENDER BUT ALL THE COLLECTION LETTERS I GET ARE FROM WELL FARGO, RIGHT NOW I AM FEELING AT NOWHERE TO BECAUSE I DONT KNOW WHAT TO DO TO KEEP MY PROPERTY, IS THERE ANY BODY WHO CAN HELP ME ON THIS MATTER? I REALLY WILL APPRECIATE IT, HOPELY SOME OUT THERE HEAR ME AND RESPOND ME. THANKS. I AM ONE WHO IS GOING THOUGH THIS HARDSHIP SITUATION LOST INCOME, MY WIFE IS SICK AND MY PROPERTY IS WORTHY LESS THAN IT WHAT I AM PAYING FOR, I HAVE 3 YEARS TRYING TO MODIFY MY LOAN WITHOUT ANY SUCCESS, ASC IS SUPPUSE TO BE MY LENDER BUT ALL THE COLLECTION LETTERS I GET ARE FROM WELL FARGO, RIGHT NOW I AM FEELING AT NOWHERE TO BECAUSE I DONT KNOW WHAT TO DO TO KEEP MY PROPERTY, IS THERE ANY BODY WHO CAN HELP ME ON THIS MATTER? I REALLY WILL APPRECIATE IT, HOPELY SOME OUT THERE HEAR ME AND RESPOND ME. THANKS.

]]> Comment on What the National Business Experts means to me by Kevin Hardin http://kevinhardin.com/what-the-national-business-experts-means-to-me/comment-page-1/#comment-188 Kevin Hardin Sat, 10 Dec 2011 16:44:58 +0000 http://kevinhardin.com/?p=1242#comment-188 Gia, You are an amazing individual and professional. You have started something great. I am just glad to be a part of it. Thank you for all that you do. Gia,

You are an amazing individual and professional. You have started something great. I am just glad to be a part of it. Thank you for all that you do.

]]> Comment on What the National Business Experts means to me by Kevin Hardin http://kevinhardin.com/what-the-national-business-experts-means-to-me/comment-page-1/#comment-187 Kevin Hardin Sat, 10 Dec 2011 16:42:57 +0000 http://kevinhardin.com/?p=1242#comment-187 Thank you sir. Feel the same about you and all that you do for the organization. Thank you sir. Feel the same about you and all that you do for the organization.

]]> Comment on What the National Business Experts means to me by Brian Allen http://kevinhardin.com/what-the-national-business-experts-means-to-me/comment-page-1/#comment-186 Brian Allen Sat, 10 Dec 2011 14:38:44 +0000 http://kevinhardin.com/?p=1242#comment-186 Excellent article Kevin! I'm proud to be associated with TNBE also. You're a class act my friend. Excellent article Kevin! I’m proud to be associated with TNBE also. You’re a class act my friend.

]]> Comment on What the National Business Experts means to me by Richard Saling http://kevinhardin.com/what-the-national-business-experts-means-to-me/comment-page-1/#comment-185 Richard Saling Sat, 10 Dec 2011 09:30:42 +0000 http://kevinhardin.com/?p=1242#comment-185 PS - I am so lonely in the West Valley. We are expanding and creating chapters in Glendale, Peoria, Surprise, Goodyear, Avandale and, Buckeye. Please join me in growing more valuable events and relationships in the West Valley. I don't get paid for this either. PS – I am so lonely in the West Valley. We are expanding and creating chapters in Glendale, Peoria, Surprise, Goodyear, Avandale and, Buckeye. Please join me in growing more valuable events and relationships in the West Valley.

I don’t get paid for this either.

]]> Comment on What the National Business Experts means to me by Richard Saling http://kevinhardin.com/what-the-national-business-experts-means-to-me/comment-page-1/#comment-184 Richard Saling Sat, 10 Dec 2011 09:26:47 +0000 http://kevinhardin.com/?p=1242#comment-184 Kevin, you nailed it on the head. There is tremendous value for those ready to see it. Owning a business isn't easy. Nothing worth having is. If success were easy, everyone would be millionaires. This group is very different from others.Gia and The National Business Experts is helping me expand beyond Insurance to a successful Shipping and Receiving business. I really AM expanding friendshipping, partnershipping, relationshipping and the more I focus on that I grow my Receiving. The caliber of people I have met through this organization is beyond compare. To know Sharron Lechture, Les Brown and to have breakfast with Jeff Fagin on Tuesdays would not have happened in any other group. I am developing great partnerships with other similar businesses to expand our offerings and ability to help others. I am able to leverage my growing network and help charities such as The Relay for Life which raises money for the American Cancer Society. It goes on. That is why The National Business Experts is expanding into California and catching national attention. If you're not a member Check out a meeting and sign up. If your a member and not participating then stop the excuses and get engaged. I drive from the 303 and Bell to Scottsdale, Tempe etc., because I made the commitment to grow myself and my business. This is the best value for a business group out there in ANY state of the union. Kevin, you nailed it on the head. There is tremendous value for those ready to see it. Owning a business isn’t easy. Nothing worth having is. If success were easy, everyone would be millionaires. This group is very different from others.Gia and The National Business Experts is helping me expand beyond Insurance to a successful Shipping and Receiving business. I really AM expanding friendshipping, partnershipping, relationshipping and the more I focus on that I grow my Receiving.

The caliber of people I have met through this organization is beyond compare. To know Sharron Lechture, Les Brown and to have breakfast with Jeff Fagin on Tuesdays would not have happened in any other group. I am developing great partnerships with other similar businesses to expand our offerings and ability to help others. I am able to leverage my growing network and help charities such as The Relay for Life which raises money for the American Cancer Society. It goes on. That is why The National Business Experts is expanding into California and catching national attention. If you’re not a member Check out a meeting and sign up. If your a member and not participating then stop the excuses and get engaged. I drive from the 303 and Bell to Scottsdale, Tempe etc., because I made the commitment to grow myself and my business. This is the best value for a business group out there in ANY state of the union.

]]> Comment on What the National Business Experts means to me by Gia Heller http://kevinhardin.com/what-the-national-business-experts-means-to-me/comment-page-1/#comment-183 Gia Heller Sat, 10 Dec 2011 06:11:58 +0000 http://kevinhardin.com/?p=1242#comment-183 Kevin, I am so happy that you are getting so much value from the group. I am so thrilled to hear that you are having such tremendous results. You are a true professional and that is a huge part of why this particular marketing and sales platform works so well for you. The better your product or service is, the better your results are with our program. Learn more about us at www.TheNationalBusinessExperts.com and www.WeTeachYouSocialMedia.com If you live in Phoenix, Tucson, Salt Lake City, Los Angeles, San Diego or Orange County join us LIVE at our next event! Email Gia@TheNationalBusinessExperts.com for more information. Kevin, I am so happy that you are getting so much value from the group. I am so thrilled to hear that you are having such tremendous results. You are a true professional and that is a huge part of why this particular marketing and sales platform works so well for you. The better your product or service is, the better your results are with our program.

Learn more about us at http://www.TheNationalBusinessExperts.com and http://www.WeTeachYouSocialMedia.com

If you live in Phoenix, Tucson, Salt Lake City, Los Angeles, San Diego or Orange County join us LIVE at our next event! Email Gia@TheNationalBusinessExperts.com for more information.

]]> Comment on What the National Business Experts means to me by Cynthia Knight http://kevinhardin.com/what-the-national-business-experts-means-to-me/comment-page-1/#comment-182 Cynthia Knight Sat, 10 Dec 2011 05:29:12 +0000 http://kevinhardin.com/?p=1242#comment-182 I couldn't agree with you more Kevin. I value the not only the working relationship that we have developed through this group but the friendship. Looking forward to growing and learning so much more with the experts who have honored us with their presence. I continue to learn daily from you my friend! I couldn’t agree with you more Kevin. I value the not only the working relationship that we have developed through this group but the friendship. Looking forward to growing and learning so much more with the experts who have honored us with their presence. I continue to learn daily from you my friend!

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