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500 Days in the Housing Industry

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first_img in Daily Dose, Featured, Government, News Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / 500 Days in the Housing Industry The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post Related Articles Servicers Navigate the Post-Pandemic World 2 days ago 500 Days in the Housing Industry Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Tagged with: Banks Ben Carson Brian Montgomery Dodd-Frank Government Jerome Powell Lenders Mick Mulvaney mortgage President Trump Volcker Rule Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Radhika Ojha June 7, 2018 1,530 Views Banks Ben Carson Brian Montgomery Dodd-Frank Government Jerome Powell Lenders Mick Mulvaney mortgage President Trump Volcker Rule 2018-06-07 Radhika Ojha The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Trump administration recently celebrated 500 days in office. How has the landscape of the housing industry changed during that time? In this piece, DS News will walk you through the key legislation and nominations that have impacted the industry since January 2017.The Big PictureThe tax reform bill, perhaps the administration’s key piece of legislation passed in these 500 days, was signed into law in December 2017. While the bill had major implications for many industries, several key provisions impacted the housing industry. From downsized mortgage interest rate reduction and limits on property tax deductions to tax break stays for homesellers, the $1.4 trillion tax cut bill impacted homeowners, buyers, and sellers.While the fall in unemployment is part of a larger revival in jobs predating the current administration, the latest numbers from the Bureau of Labor Statistics indicated that the unemployment rate had fallen to 3.8 percent by the end of April. For the housing industry, which continues its struggle with the supply side, the latest job numbers also meant an increase in construction labor. The latest jobs report indicated that jobs in construction had risen by 286,000 over the past 12 months. When looking at the quality of life and housing across the country, OECD’s Better Life Index indicated that the U.S. ranked among the top countries in housing, income, and wealth, roughly at the same rank as when President Trump was sworn into office.A Look at LegislationIn May, the Dodd-Frank Reform bill—known officially as the Economic Growth, Regulatory Relief, and Consumer Protection Act—was signed into law by President Trump. The bill seeks to evolve and streamline regulations put in place by the 2010 Dodd-Frank Act and was passed by the House on May 22, by a vote of 258-159. “This is a moment years in the making, and I thank my colleagues in the Senate and the House of Representatives for their partnership and contributions to this effort over the years,” said Sen. Mike Crapo (R-ID), Chairman of the Senate Banking Committee. “This step toward right-sizing regulation will allow local banks and credit unions to focus more on lending, in turn propelling economic growth and creating jobs on Main Street and in our communities. This is an important moment for small financial institutions, small businesses, and families across America.”While the Dodd-Frank reform bill was still being discussed, the House of Representatives passed a new bill in April that would streamline the Volcker Rule. Implemented as part of the larger Dodd-Frank Wall Street Reform and Consumer Protection Act, the Volcker Rule limits the types of speculative investments banks can participate in, as a way to try and prevent some of the factors that contributed to the 2008 financial crisis. This new House bill, passed with a vote of 300-104, would make the Federal Reserve the sole regulator for Volcker Rule compliance. At the time, some proponents of the Volcker rule called for the bill to be rolled into the larger Dodd-Frank reform bill. However, the bill remains a separate piece of legislation and moved forward recently after the SEC voted on the overhaul. The SEC was the last of the five financial agencies required to sign off on the changes. According to Bloomberg, the changes are being viewed as a significant win for banks that have “long argued the original rule was overly complex and costly to comply with.”Noms, Noms, NomsIn the 500 days since the administration took office, many of President Trump’s nominees have been appointed to key positions. From the Fed Chairman to the most recent appointment of the head of the FHA (a position that had been vacant for the past four years), the nominations and appointments made by this administration are set to have a far-reaching effect on the housing industry.Most recently, in May, Brian Montgomery, who had been nominated by the President for the position of Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development in November, was approved by the Senate by a vote of 74-33. “I’m honored to have the opportunity to serve with Secretary Carson and the team at HUD to further equal access to affordable rental housing and homeownership opportunities and seek solutions to restore vitality to the housing market,” Montgomery said in a statement. Montgomery, an industry veteran, served in the Executive Office of the President during the Administration of President George W. Bush before transitioning to his role as Assistant Secretary at HUD and FHA Commissioner under Presidents Bush and Obama. In recent years, he has served as Vice Chairman at The Collingwood Group, LLC, a Washington DC-based real estate finance consulting firm.In November 2017, President Trump nominated Jerome Powell for the position of Fed Chair “He’s strong, he’s committed, and he’s smart,” President Trump said during the official announcement. “And if he is confirmed by the Senate he will put his considerable talents and experience to work, leading our nation’s central independent bank, which has the critical responsibility to set monetary policy and our banking system as a whole.” Powell won the Senate over and was appointed to this position in early 2018. During his Congressional testimony in February after being confirmed, he backed further interest rate hikes.Around the same time, the President nominated Mick Mulvaney, the Federal Budget Director to the position of Acting Director of the Consumer Financial Protection Bureau (CFPB). While the decision was a controversial one at that time, Mulvaney has brought in a slew of changes at the consumer watchdog. From requesting for $0 in funding for the CFPB in the second quarter to announcing that the Bureau had to be more “transparent and accountable,” Mulvaney has made quick changes to the way the Bureau works.In March 2017, Dr. Ben Carson was appointed as HUD secretary after a final Senate vote of 58-41.  “I am immensely grateful and deeply humbled to take on such an important role in service to the American people,” said Secretary Carson had said upon his appointment. Since then, despite the controversies, under his leadership, HUD has taken on several important initiatives such as announcing a major disbursement of funds to help communities still recovering from the 2017 natural disasters, partnering with the Department of Justice to end sexual assault in housing, and most recently commemorating 50 years of the Fair Housing Act. Previous: MBA Names New President & CEO: Industry Reaction Next: CFPB vs. PHH—An Unexpected Conclusionlast_img read more

Drug education and rehabilitation

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first_imgDear Editor:The use of Naloxone can save a life. Naloxone, also known as Narcan is an opioid antagonist used in opioid overdoses to counteract the life-threatening depression of the respiratory system. It allows an overdose victim to breathe normally. Although traditionally administered by emergency response personnel, naloxone can be administered by lay people or public, making it ideal for treating heroin and other opioids overdoses. The training is simple and use of Naloxone results in a life saved. Here is what occurs in an opioid overdose. When too much of any opioid, like heroin goes into too many receptors, the respiratory system slows and the person breathes more slowly, then not at all.Because Naloxone basically knocks the opioids out of the opiate receptors in the brain, the overdose is reversed and the person is able to breathe again. However, it is a temporary drug that will wear off in 30-90 minutes and the person should be watched for signs of continued overdose. The overdose victim must seek medical assistance or call 911. Lack of oxygen from opioid overdose may lead to brain injury in as little as 4 minutes, yet the average EMS response time is 9.4 minutes. Seconds can count during an opioid overdose so it is vital if you have a loved one or friends who use, you need to have a plan in place. Most life threatening opioid emergencies occur in the home, witnessed by friends or family.Brand names of Naloxone are Evzio, Narcan injection, Narcan Nasal Spray. They all come with simple, lifesaving directions and are easy to administer. Upon purchase, read and know how to use these devices and keep them readily available. Some states have a third-party law where a concerned parent, employee or nurse at a school can obtain Naloxone and administer it without facing legal repercussions (known as the good Samaritan act). If you come in contact with a high-risk individual, you should have this lifesaving overdose antidote. For more information and the availability of naloxone,go to http://www.narcononnewliferetreat.org/blog/naloxone-availability.htmlIf you are in need of a referral to a treatment center, call us at 1- 800-431-1754.Ray Clausonlast_img read more

Wolf Administration Approves Funding to Help Homeless Families in Pennsylvania

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first_img SHARE Email Facebook Twitter December 03, 2018 Government That Works,  Human Services,  Press Release Harrisburg, PA – Governor Tom Wolf announced more than $5 million in funding to help homeless families and promote homelessness prevention across the commonwealth. The funding is provided from the Emergency Solutions Grant (ESG) program.“Combating homelessness and preventing someone from becoming homeless in the first place is a priority of my administration,” said Governor Wolf. “Our goal is simple: to eliminate homelessness in the commonwealth. These grants are another step in achieving that goal.”The ESG funding falls into four categories: rapid rehousing, homelessness prevention, street outreach, and emergency shelter. Rapid rehousing helps individuals and families who are homeless, fleeing violence, or living in a home not suitable for human habitation. Homelessness prevention helps families who are currently housed but may be in jeopardy of losing their housing. Street outreach connects unsheltered homeless individuals with emergency shelter and/or health services. Emergency shelter funding supports costs associated with operating an emergency shelter and renovations.The $5,276,043 in ESG funding was approved for the following areas:Adams County $64,193Allegheny County $200,000Armstrong County $265,020Beaver County $45,000Bedford County $97,300Blair County $350,000Bradford County $50,000Bucks County $25,000Butler County $64,194Carbon County $79,200Chester County $237,848City of Philadelphia $200,000Clinton County $99,639Crawford County $50,000Cumberland County $99,639Dauphin County $191,736Franklin County $279,972Indiana County $145,295Lawrence County Social Services, Inc. $1,276,142McKean County $112,259Mercer County $197,507Monroe County $329,953Montgomery County $155,625Schuylkill County $330,652Tioga County $50,000Union-Snyder Community Action Agency $150,000Wayne County $129,868For more information, on the Emergency Solutions Grant visit DCED, and be sure to stay up-to-date with all of our agency news on Facebook, Twitter, and LinkedIn.center_img Wolf Administration Approves Funding to Help Homeless Families in Pennsylvanialast_img read more

Franklyn Rose ordeal!

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first_imgUpon return to Jamaica by way of deportation, former West Indies paceman, Franklyn Rose, is claiming racial injustice and wrongful deportation and recounted his story “for public information on racial profiling predominantly in a Caucasian environment”.Speaking in an interview via the West Indies Players Association (WIPA), the Jamaican shared: “I need to let people know what really happened. I am disappointed in the New Zealand immigration system. I am very disappointed,” he said of being locked up abroad and then deported.Rose’s attorney is currently pursuing the matter, and the former cricketer wants Jamaicans to understand he was not a lawbreaker.”I want people to understand my side of the story, to set the record straight,” Rose said.Rose entered a professional contract with New Zealand Cricket playing and coaching at the club level in 2010. He played two years at that level before his contract ended. Rose said he had high hopes of retaining a new contract, but it was not to be.He said that in 2012, he was victim of a traumatic racial assault.According to the Jamaican, four Caucasian men used racially discriminatory words while attacking him in an attempt to steal his car.THEY BEAT ME”They beat me down. One (guy) missed my head and chopped me on the hand,” said Rose, who was subsequently admitted to the Intensive Care Unit at hospital for three days before being released, according to him, prematurely.”The nurses kicked me out; (they) said they needed to care for other patients. After a day my friend had to take me back to the hospital. I was having some serious pains. The doctors told me I had a blood clot in my lungs and I had nerve damage in my hand,” said Rose.The former cricketer said there was no arrest related to his assault, even though the incident was reported to the police.”I reported the incident to the police, but because of the colour of my skin, they thought I was in a gang or something.”By the time he got kicked out of hospital, Rose’s cricket career was virtually over and he was on his own to pay the medical bills.”They thought that I was addicted to drugs or pain medication or something. They knew I was sick, though, that I had a blood clot. I ended up going to a private hospital instead,” he outlined, adding that he felt that his rejection was influenced by his race.Rose added that the private hospital fees were as high at US$1,500 per day, which he paid out of pocket. He was discharged after a week.He explained that the severity of his health condition and the fact that he had to be taking medication disallowed him from flying back home to Jamaica.Thus, he stayed in New Zealand for another two years while seeing various health specialists weekly to assist with his recovery.”I was prescribed very strong medication Warfarin. That’s a blood thinner. I also had internal bleeding in my brain; that meant more hospital fees and medication, and I was advised by the doctors that I could not travel by air,” he stressed.Rose admitted that it was depressing not being able to play cricket.”One morning, the police came knocking on my door. They questioned me about my immigration status and asked for my medical documents. I told them everything and gave them all my documents,” Rose said.”They put me on a reporting order. I had to report to the police station every Wednesday at 9 a.m. I did that religiously,” he said.Rose stressed that everything seemed well until eight weeks ago when the police came to his house at 6 a.m. and “dragged me out”.ALLEGED RAPERose said, to his dismay, he was told that he was under investigation for an alleged rape incident.”I was so confused. I know that it was a lie and they treated me like I was nothing.”Rose said he was advised that, irrespective of his medical condition, he would be deported because of his overstay.Rose added that while in court, the judge advised him there were no flights available for his deportation.”They threw me in prison for 10 days, among murderers, rapists and other convicts. It was crazy; I know I didn’t belong there.” Rose said.”I couldn’t get to use the shower. I couldn’t brush my teeth for 10 days and I didn’t even get my medication until after eight days of being locked up. I could have died in that cell. I was so depressed.”Rose recalled: “I was finally given shower privileges, but no one told me that each shower lasted for only five minutes. They cut off the water while I was soaped up. I had to wash off myself with the water from the toilet.”After spending 38 days in prison, he said he was taken out of his cell and escorted to the airport.”They put me in one of those prison trucks. They treated me like a criminal.”He was then seated at the back of the plane and placed under high security.He added that he is looking forward to full recovery, while enabling him to make a contribution to cricket.last_img read more

No suspension for Blues forward as status of injured Sharks remains in question

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first_img(CLICK HERE, if you are unable to view this photo gallery on your mobile device.)SAN JOSE — The availability of Joe Pavelski, Tomas Hertl and Erik Karlsson for Game 6 of the Western Conference Final remains in question as Sharks coach Pete DeBoer did not provide injury updates on the three players Monday or divulge whether any of them would travel to St. Louis.The three players did not finish Game 5 against St. Louis, a 5-0 Sharks loss that put them on the brink of elimination, as the Blues …last_img

Madiba birthday song a group effort

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first_imgHundreds of South Africans came together in Johannesburg to record a birthday song for former president Nelson Mandela, who turns 94 on 18 July. Nelson Mandela will have a pleasant surprise a month before his 94th birthday when visuals of the video, in which South Africans from various facets of society sing happy birthday to him, goes viral.The father of South Africa as a democratic state was serenaded for his upcoming birthday – on 18 July – at the Nelson Mandela Square in Sandton, north of Johannesburg, on 29 May 2012.This initiative by Lead SA, the Department of Basic Education and the Shout Foundation was supported by Brand South Africa, as well as the Nelson Mandela Foundation and Proudly SA. It brought together a crowd of over 400 people to record a birthday song for Madiba, as Mandela is affectionately known.Present at the event were basic education minister Angie Motshekga, Nkosazana Dlamini-Zuma, the minister of home affairs; Anitha Soni, trustee of the board of directors at Brand South Africa; and musicians, TV personalities and sports stars.Lead SA’s Yusuf Abramjee said: “Thanks to all the South Africans from all walks of life who took their time to join us and sing to our wonderful Madiba.”The recording of the song will go viral on 18 June 2012, a month before his birthday.An icon honouredBrand South Africa’s Anitha Soni and Zanele Mamba were also in the crowd.(Images: Ray Maota) Moss Mashishi, former president of the South African Sports Confederation and Olympic Committee, said: “If you consider how Madiba is a world icon and how he has helped the brand called South Africa then this is just a good gesture from us to tell our hero that we love him and wish him a happy birthday.”Young and old were in attendance and made sure they lent their voices to the recording by singing loudly and filling Nelson Mandela Square with joyful ululating.Mpho Selepe, from Orlando in Soweto, said: “I work in Melrose but I had to come and be part of this great initiative for an icon.”South Africans come togetherSouth Africans need no second invitation to gather for a cause, as they did in Nelson Mandela Square, in a spirit of camaraderie.Soni said: “This is just wonderful, giving South Africans an opportunity to come together and they’ll never cease to amaze you – happy birthday, Madiba.”Soni was reiterating the fact that South Africans can put aside other things happening in the country when asked to rally together – another such occasion was when thousands gathered in the same location to give the Springboks, South Africa’s national rugby team, a memorable send-off to the 2011 Rugby World Cup in New Zealand.Turning 94 after becoming president in 1994Lesley Sedibe, CEO of Proudly SA, said: “We are celebrating a man who, when he came out of prison, brought South African together through his own humility when naysayers thought that South Africa was on the brink of collapse.“This one is very special as Madiba turns 94 and he became the first democratically elected president of South Africa in 1994.”Mandela was inaugurated as president of South Africa on 10 May 1994, after the country’s first free general election had taken place on 27 April. The latter date is now commemorated as Freedom Day in South Africa.Mandela Day celebrated worldwideDlamini-Zuma said: “Your presence here shows just how much Madiba is loved and we welcome it. We are calling on all South Africans to take 67 minutes of their day to do good on his birthday.”She was referring to the annual International Mandela Day, proclaimed in 2009 by the UN General Assembly. On this day, 18 July, people across the globe are urged “to take action to help change the world for the better and, in doing so, build a global movement for good”.They are urged to take just 67 minutes of their lives to contribute to making the world a better place for the next person.In South Africa, International Mandela Day was launched on 23 May 2012 at Tlhatlogang Junior Secondary School in White City Jabavu, Soweto.Here, singer Danny K, rapper and presenter ProVerb, model and presenter Bonang Matheba and fashion designer Gert Johan Coetzee painted the walls of two container classrooms at the school. They were joined by officials from the UN Information Centre as well as employees of several large corporates.  Source: Mediaclub South Africalast_img read more

How South Africa can create a less power-hungry economy

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first_imgShifting South Africa’s economy from energy intensive sectors to those with lower energy consumption will take more time, and even more funding. But the impact will be more permanent and sustainable.South Africa’s abundance of coal will make changing the energy supply mix less easy. State-owned power utility Eskom’s power stations, for example, run mostly on coal. (Image: Brand South Africa) • Solar car races around southern Africa • Make saving the planet a habit • Businesses urged to team up for innovation • New technologies stand to benefit poorer countries • Khi Solar One: renewable energy for the agesRoula Inglesi-Lotz, University of PretoriaSouth Africa’s energy sector has faced a crisis since 2008, marked by power cuts, high tariffs and a general inability to match supply and demand. This has led to a dismal picture being painted about the future of the country’s energy supply and its impact on economic growth. It is imperative that a solution is found to the current difficult situation. This is because energy plays a vital role in the growth and development of a country.A priority for policymakers since the end of apartheid in 1994 has been to provide energy to everyone. Since this target has nearly been achieved, the attention is shifting to the intensity of electricity use in South Africa.What will it take to achieve greater efficiency?There are three key areas that can lead South Africa towards greater energy efficiency, as well as reductions in carbon emissions. These are:technological innovations for energy efficiencychanging the energy supply mixpromoting structural changes in the economyAll these can be combined in national energy policies and strategies, but they differ in two points: the time horizon of the results and the risk of outcomes.The introduction of technological innovations that can achieve higher energy efficiency levels depends heavily on the availability and cost of the innovations. It also depends on the receptiveness in sectors where they will be adopted.South Africa’s abundance of coal will make changing the energy supply mix less easy. State-owned power utility Eskom’s power stations, for example, run mostly on coal.When energy was plentiful and cheap, South Africa pumped huge incentives towards energy-heavy sectors such as manufacturing. (Image: Brand South Africa)Equally, the sectors that drive the economy are energy intensive. They are also important sources of employment, investment and income. Historically the country promoted capital-intensive mega industries that used a lot of energy. Until 2008-09, South Africa’s comparatively low industrial electricity tariffs attracted significant investments in traditionally energy-intensive sectors such as mining and manufacturing.These industries are inflexible and slow to change. Once a major investment has been made in the construction of a smelter, for example, opportunities to change to more energy-efficient technology or production process are limited.The government appreciates the need to reduce the energy intensity of the economy over the long term. This year’s budget made specific mention of the need to promote growth in tradeable and services sectors that consume less electricity per unit of output.But it will take more to bring about any meaningful change. To achieve the shift in the economy without affecting output and production, economic and industrial policies should be combined with efforts from energy policymakers.The South African government has suggested the need for promoting growth in tradable and services sectors that consume less electricity per unit of output. (Image: Brand South Africa)It would be helpful to adjust the incentives and tariffs that attract energy-intensive investments. Incentives should be directed to low-emission and low-intensity sectors. By lowering the cost of energy, input costs would come down and South African exports could achieve greater competitiveness.Admittedly, the trade-off and eventual balance is difficult and requires financial and political support from different stakeholders. Of critical importance is the coordination of various policies. A concerted effort should be made by all government departments involved with South Africa’s economic sectors. This can only be achieved by all-inclusive debate and design over time.The transition from a resource-based economy to a knowledge and service economy based on the quality of human capital requires information, education, and research and development. Any new strategy therefore must include investment in research activities that will show the way to innovative solutions. Areas to be explored could include structural changes in the economy as well as more efficient ways to consume energy.In this transition, South Africa should also investigate alternative fuels that would make even highly energy-intensive sectors’ consumption cleaner and more environment-friendly. For this, a properly planned, organised, managed and monitored market for renewable energies must be established. This needs to be combined with a comprehensive policy to provide consumers with alternatives to “dirty” fossil fuel-based energy.Instead of penalising heavy users of electricity such as mines, the government should offer them incentives to become energy efficient. (Image: Brand South Africa)Finally, how else can this transition be promoted? There is one thing that all sectors, industries and firms are interested in – economic gain and profits. Instead of penalising intensive users with mechanisms such as the carbon tax, they should be offered incentives. These could include a reward programme such as an emissions trading system or, even more suitable to South Africa, an energy-intensity trading scheme. By trading credits of energy-intensive use, the sectoral users would work to reduce their energy consumption as well as trade their credits for additional profits.South Africa is a unique case with a number of inherited socioeconomic challenges and difficulties. But its energy policymakers have started aiming at more fundamental changes rather than the recent short-term solutions.Structural economic changes and an effort to shift the economy to sectors with lower energy consumption and a smaller footprint will certainly take more time, and even more funding, to bear positive results. But the impact will be more permanent and sustainable.Roula Inglesi-Lotz is Associate Professor of Economics at University of Pretoria.This article was originally published on The Conversation. Read the original article.last_img read more

Why This Guy Quit His Sports Radio Dream Job… To Write Software

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first_imgRelated Posts Tags:#developers Why You Love Online Quizzes 7 Types of Video that will Make a Massive Impac… How to Write a Welcome Email to New Employees?center_img dan rowinski Sometimes, life throws you a curveball. Jon Rish was living, breathing and sleeping his dream job as a sports announcer calling Red Sox games for a Boston radio station. Then, after several months spent working without a contract, he suddenly faced a 30 percent pay cut.So he stepped to the plate and started looking for options. And on May 1, he starts learning Ruby on Rails in preparation for his second career — as a software developer.“I am taking a leap of faith into the world of development. I would say that I’m entering the process wide-eyed and eager to learn,” Rish told me via email.The Daunting Decision To Change CareersRish graduated from Boston College with a degree in communications in 1994. By 1997 he was doing “flash” news updates for WEEI and calling Boston College hockey games, a gig he continued until 2011. A little more than halfway through that process, in 2006, Rish became a studio host on Red Sox games and did some fill-in play-by-play.Jon Rish“It became clear towards the end of the 2012 season that there was a very real possibility that my future was not with Entercom,” the corporate owner of WEEI, Rish said. “I started by exploring other opportunities in broadcasting. As the offseason went on I began to think more and more about a career outside of broadcasting.”Rish, who has four kids and a mortgage, went back to Boston College’s career center, which put him in touch with an outside career specialist. A phone conversation turned into weekly meetings, and the conversation gradually started turning towards technology.Sports media is a tough racket. There’s no shortage of people who’d love nothing more than to watch games for a living and get paid to write and talk about them. (Full disclosure: I used to be a sports reporter for WEEI.com. Rish and I didn’t know each other at the time).As a result, there’s always a young up-and-comer gunning for your job who will work longer and for less. Seats at the table are precious, and those sitting in them will frequently do almost anything to hold onto them. It’s exceedingly rare for someone like Rish, even facing a pay cut and an uncertain future, to give up his seat in order to learn brand-new skills for a completely unrelated industry.The Desperate Need For DevelopersSoftware skills are in extremely high demand these days. And it’s not just local startups or large tech companies doing the hiring. Brands and enterprises are always on the lookout for talent that can build an app, connect a backend system, design a website or write a script.We have noticed this at ReadWrite in a big way. Our most popular article over the last week as been “15 Programming Skills Most Coveted By Employers.” The fact of the matter is that almost any programming skill is now coveted by employers.Rish will learn Ruby On Rails, a general scripting language with a wide array of uses. By the end of his 10-week program at Boston-based Launch Academy, which teaches coding skills, Rish will theoretically be qualified to become a junior Ruby developer.Launch Academy’s website says junior Ruby developers have starting salaries between $75,000 and $90,000. Of course, that depends on the company and local demand, but it is true that programmers tend to make more money than the average sports broadcaster. If the programmer is any good, there is also much more job stability than the cut throat industry of sports media.Launch Academy, founded by Boston-area developers Dan Pickett and Evan Charles, is similar to other types of developer and startup programs. The courses are short in terms of weeks spent in the classroom, but intense. Launch Academy partners with local businesses and makes money from both tuition and recruiting fees when a company hires one of its graduates.In this respects it is similar to San Francisco-based Developer Bootcamp or Boston-based Startup Institute (which teaches all aspects of startup skills including marketing and product as well as programming).“On a personal level I see myself as a happier person with a better work-life balance. I see myself with skills that are in demand in an industry that has the potential for continued growth,” Rish said. Growing Phone Scams: 5 Tips To Avoidlast_img read more

Own Your Losses Against Your Competitors

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first_img Essential Reading! Get my 2nd book: The Lost Art of Closing “In The Lost Art of Closing, Anthony proves that the final commitment can actually be one of the easiest parts of the sales process—if you’ve set it up properly with other commitments that have to happen long before the close. The key is to lead customers through a series of necessary steps designed to prevent a purchase stall.” Buy Now One of the unhealthier things we do in sales is to believe that our loss was due to the competitor having a better product or solution. The truth of the matter is that the loss is always due to being outsold.The competitor has a better product or solution than we do.There are people every day who buy inferior products and solutions. If only the superior product or solution was capable of resulting in new business, the evidence would be that the company producing them would eventually earn a monopoly. If you are honest, you know that you have won deals against better-financed competitors with better and more complete solutions than yours.The competitor has a lower price for a product very similar to ours.Every day, salespeople help their prospective clients understand the value they create that makes their product or solution worth paying more to obtain. If the lowest price is responsible for a win, then one would expect more people to always choose the lowest price. The truth of the matter is that a very small percentage of your dream clients make the decision to buy from one group over the other based on price alone.There is nothing you can do about your competitor’s product or solution. They are not going to change what they are doing to make it easier for you to sell against them, no matter how nicely you ask. They are competing to win, just like you, and their product or solution is some part of that equation—even if it isn’t often the deciding factor itself.There is nothing you can do about your competitor’s pricing. It’s likely that they are intentionally using a lower price to increase the consideration for their similar product or solution. Your competitor is not going to change their pricing structure to level the playing field for you. The reason their price is lower is often to make up for something lacking, mostly the lack of investment in producing results.Here is the truth as I see it, and a belief system that will better serve you: A great salesperson will beat a competitor with a better product or a lower price through their excellent salesmanship. They will create greater value for the client through the process and their interactions, they will tailor the product or solution to the client specifically, collaborating with the client to build something they can easily support, and they will develop the relationship that creates a preference.last_img read more