The Cure For Test Anxiety When Taking The North Carolina Real Estate Exam.

The North Carolina real estate exam is tomorrow.  You are nervous.  What can you do?

You can take out your 500 flash cards and go through a couple hundred of them.  You can turn the T.V. off.

You can listen to the audio program that you bought from your real estate instructor.  You can watch some of the free You Tube videos that show you how to do the math in great detail.  https://www.youtube.com/watch?v=bMdJ-2iHepM  .  You can go over some of the acronyms that your instructor has taught you like OLDCAR and FRESHCORN and COLIC etc.

You can write down Vendor with a synonym and Vendee with a synonym.  You can write down Optionor with a synonym and Optionee with a synonym.  You can write down Mortgagor with a synonym and Mortgagee with a synonym. 

Eliminate test anxiety with study study study

You can go over my practice exam at www.ncreexam.com  one more time.  You can also re do all the practice tests in the text book one more time.  You can call one of your classmates on the phone and ask each other questions like, "What is the Conner Act?" and " What is the Machinery Act?" and " What are the eight protected classes under the Equal Credit Opportunity Act?" .  If you don't want to call your classmate, you could ask your spouse or teenager to ask you these questions from the things that you have highlighted in your book.  Calling your classmate seems like a better idea to me.

You could read the glossary in the back of the textbook one more time.

Let me suggest a few things that will not help with your North Carolina real estate test anxiety.
Watching  T.V. will not help.  Video games and Facebook is a waste of time.

Over study.  Study constantly.  Last month in North Carolina, fifty seven per cent of the people that paid $$$$ to take the North Carolina real estate exam passed.  Forty three per cent of those real estate license applicants will be paying $164 to take the exam again.  If $164 is a lot of money to you, study study study.

Test anxiety is a myth.  When you know the material, there is nothing about which to be anxious.

At First Real Estate School in Hendersonville, I sell a book, "Guide to Passing the AMP Real Estate Exam"  to my students.  It is a wonderful study aid.  It takes all the information in your eight hundred page textbook and condenses it to the essentials.  It has a killjillian practice test questions.  It has questions like,"What do we call a claim that casts doubt on the title to a property?".  Most of my students buy this book.  Some of them choose to save that $30.  My advice is to spend $30 to save $164 and a bunch of test anxiety.

Pass the North Carolina real estate exam the first time.  If you are near Hendersonville, North Carolina, First Real Estate School would love to help you pass your exam the first time and relieve your test anxiety.  Contact us at www.firstrealestateschool.com .   or 828 440 1064.

Post License Real Estate Class Near Asheville , North Carolina

First Real Estate School is probably the most fun place to take a required by the North Carolina Real Estate Commission class post license class.  Every provisional real estate broker that gets a North Carolina real estate license is required to take one post license real estate class before the anniversary of getting their North Carolina real estate license. 

First Real Estate School is located at 404 S. Main Street in Hendersonville, North Carolina.  Ron Climer is the teacher.  If you are looking for a dull, boring thirty hour course, do not take this class with Ron.  If you are looking to learn some information that will enhance your career while being entertained, join us. 

The best place to take your post license real estate class

Our next class is October 27th.  Check our website if you need more www.firstrealestateschool.com  .
information. 

The state of North Carolina requires all new real estate brokers to take three post license courses.  When a provisional real estate broker has taken all three of the required courses, they become a full fledged real estate broker.  Until that time, a provisional broker is required to work under the supervision of a Broker in Charge. 
First Real Estate School would love to have you as a student.  Call us at 828 440 1064.

Real Estate Class in Hendersonville Starts October 23, 2017

First Real Estate School in Hendersonville, North Carolina will start their last pre license class of 2017 on October 23 at 6 PM  If you are interested in getting your North Carolina real estate license, this is the class that is necessary to pass before you can apply to the North Carolina Real Estate Commission for a real estate license. 

First Real Estate School; in Hendersonville, North Carolina

This class will be taught by Ron Climer.  Ron keeps the class interesting and fun. Read our Google reviews at www.firstrealestateschool.com 

If you are currently enrolled in a real estate license class anywhere in North Carolina, you can benefit from watching Ron's free You Tube videos on You Tube.  Ron has posted videos to help his students with the math that is on the North Carolina real estate exam.  

Also if you think you are ready for the North Carolina real estate exam, take Ron's practice exam at www.ncreexam.com .  Failing the North Carolina real estate exam is very expensive.  Pass it the first time .  Do not make the mistake that fifty per cent of the applicants make.  Do not underestimate this exam.  It is not easy.  Study more than you need to.  

If you are thinking of a career in real estate in Hendersonville, contact Ron at 828 440 1064.  We would love to have you as a student.

One Chore Per Day Will Make A Good Day

I have developed a theory that a good way to get things done is use my one chore per day method.  Here is how it works.  I assign myself ONE chore  to do tomorrow, not two, not ten ONE. 

I promise myself that tomorrow I will get my "Ron Climer Explains Comparative Market Analysis" video posted on You Tube.  https://www.youtube.com/watch?v=y4b78lDQtfE  I have been intending to get this video posted for three weeks.  On October 11th, I am going to get this video posted on You Tube. 

First thing when I get out of bed, Kathy asked,"What is on your agenda for today?".  My answer," Post my video on You Tube.".  Kathy has several other suggestions of things that I could should do.

New Ideas and New Careers at First Real Estate School 

Nope!  I am putting no effort into any project until that video is on You Tube.  This should be a forty minute job.  I will not bore you with the details.  I will tell you this.  I started at 8:50 AM.  At 2:04 PM, I am finished.

The video is on You Tube.  I have sent a email to my students with a link to it and a suggestion that they watch it. 

In his excellent audio series, "Lead The Field", Earl Nightingale tells a story of a man named Ivey Lee that was paid $25,000 by Charles Schwab for a single idea. http://www.nightingale.com/lead-field.html  That idea was to write down the six most important tasks that you need to accomplish tomorrow.  Put them in order of importance .  Do the most important one first.  Then the second, then the third etc. 

At this stage in my life, just one chore a day, an important chore, is enough.  If I get one chore accomplished, I am a happy camper.  If I get to the second one, that is even more wonderful.  If not, one chore done, finished, accomplished is enough for me. 

Do one important chore every day.  That will be a good day. 

Qualfying Ratios Explained If You Are Applying For A House Mortgage

Can you qualify for a house mortgage in Hendersonville, North Carolina?  Qualifying for a mortgage is not a mystery.  It is common sense.

If you and you spouse earn $10,000 per month, does it make sense to you that you can not afford a $10,000 per month mortgage payment?  Of course you can not.  You would certainly be able to afford a $2800 ( PITI ) per month payment.  Your house payment would be 28% of your gross income.

The bank figured out a long time ago that most people will make their house payment if the total house payment is less than 28% of their total income. This is called housing expense ratio.  The bank wants your house payment to be less than 28% of your income.   If your gross income were $5000 per month, the bank would want your maximum house payment to be $1400 per month.

This seems simple enough.  There is another factor.  It is called total obligation ratio.  The way this works is the bank is concerned with your total monthly recurring obligations.

Qualifying ratios are important when getting a morgage

Let's go back to our hero that is earning $10,000 per month gross between him and his spouse.  The banks wants ALL of his payments to be less than 36% of his gross income.

Let's assume he is driving a car with a $300 a month payment .  His wife has a $200 per month car payment also.  His Visa card has a minimum payment of $100.  His Kohls credit card has a minimum payment of $100.  His Macys credit card has a minimum payment of $100.  His Sears credit  card has a minimum payment of $100.  The payment on his boat is $200 per month.

He applies to the bank for a mortgage loan to buy a new house.  The bank takes his $10,000 per month income and multiplies it by .36.  The maximum total obligations that our hero can qualify for is $3600.  Our hero has $1000 in obligations already.  The bank subtracts the $1000 from the $3600.  Our hero can qualify for $2600 per month , not $2800 based on his housing expense ratio.

Due to his other obligations, he can only qualify for $2600 house payment.  This is called total obligation ratio.  http://rondclimer.blogspot.com/2015/01/qualifying-for-real-estate-mortgage-in.html  Here is a link to more insight.

How can he get the house that he wants that costs $2800 per month?  He can put more money down to lower his monthly payments or sell his boat or pay off a couple of those credit cards.

Debt is the biggest problem in qualifying for a mortgage loan.  If you are planning on buying a house soon, start paying off debt and incur no new debt.

If you live anywhere near Hendersonville, North Carolina and want to buy a new house, call me at 828 755 6996 .  I will get you started.  If you are interested in a career selling real estate, our company, Keller Williams Realty is looking for new real estate agents.  Contact me at www.firstrealestateschool.com   I can get you started with that also. 

For My Toastmaster Friends In Hendersonville

Here is what I want you to do.  I want you to go to Blogger. com and start a blog.  Here is a link to a You Tube video to show you how.  https://www.youtube.com/watch?v=U2QvwgaECps&t=300s   If you don't like this video, pick another one.  There are several.

Blogger may not be the best blogging platform.  It is better than the one you are using now based on the hands I saw raised this morning.  Get started.  Blogger is easy to use.  That is paramount.  Blogger is simple enough that you can get started blogging now.

Write your first article.  You have plenty of talent and ability to write an article about why you joined Toastmasters.  Here is a link to the article I wrote last Wednesday after our meeting.  http://rondclimer.blogspot.com/2017/09/the-easy-way-to-learn-presentation.html   Read this article.  I am certain that you can write an equally articulate article describing why you joined Toastmasters.  Tell us why you continue with Toastmasters.

Public Speaking is a skill.  Just like riding a motorcycle is a skill.

Put a link to Four Seasons Toastmasters in your article www.fourseasonstoastmasters.com  Every time that link appears on the inter net , it increases our Google juice.   Also put a link to www.toastmasters.org in your article.   That is the website for Toastmasters International.  Websites like that are called "Authority websites"  When you have links to authority websites in your article, it increases your Google juice.

Use keywords in your article like presentation skills, public speaking skills, toastmasters, give a speech, fear of public speaking.   Keywords are words that we hope someone will put into a Google search bar.  Try to imagine, as we did at this morning's meeting, what word or phrase people will put into a search bar.  Use those words.  Use those KEY  words in your title.  "Eliminate Fear of Public Speaking With Toastmasters in Hendersonville"  "Improve your Presentation Skills With Toastmasters in Hendersonville"  " Free Practice For Your Public Speaking Techniques in Hendersonville"   These are good titles because if someone puts in any of these words into a search bar, your article is coming up.  Titles are important.  Cute titles are cool but those Google robots do not recognize cool.  They recognize key words and phrases.

Use key words in your article. public speaking, presentation skills, fear , free, enhance your career, leadership training, Go read some of my articles on my blog.  You will notice that most of my articles are about getting a real estate license.  I am in the real estate school business.  I never use the phrase "get a license" .  Instead, I use the phrase "get your North Carolina real estate license "   Brevity may be the soul of wit but it is not the soul of search engine optimization.  "Get a license" will convey the thought to a human reader.  "Get your North Carolina real estate license " is more interesting to the Google robots.  We need to write to please both.

After you write your article, go to Facebook and tell your friends that you wrote it.  Give them a link to it.

Here is something you can do right now to help us promote Four Seasons Toastmasters in Hendersonville, North Carolina.  Go to your Facebook page and tell your friends that you learned something at the meeting this morning.  Put a link to our website.  Then go to my article http://rondclimer.blogspot.com/2015/10/hendersonville-north-carolina.html   Post a comment.  In your comment, put a link to Four Seasons Toastmasters' website.  As a general rule, posting a website link in an article comment is considered SPAM.  If the author of the article says it is OK, it is OK.  Every time our link to our website appears on the inter net, it increases our Google juice.

Every time someone goes to a search bar and types in "Better public speaking skills in Hendersonville", I want us to come up.  If they can find us, we will get more members.  This is a group effort.   I look forward to seeing you all next Wednesday morning at 8 AM.  in Hendersonville, North Carolina.  I also look forward to reading your first article .  Email me a link to it.

The Easy Way To Learn Presentation Skills in Hendersonville, North Carolina

     Good public speaking skills will do more good for your career than any other single skill that you can learn.  The ability to speak to a group from a podium is not hard to learn.

     Most people spend their entire career with a fear and no experience in public speaking.  I believe that this is true because most people have no idea what a valuable skill public speaking is.

     Fear of public speaking is the number one fear in America.  One reason this is true is because most people have zero experience with standing in front of a small group of people and speaking to them.  All of their fear comes from their imagination.

     Many people imagine that the audience will not like me.  They imagine that the audience will not smile at me.  They imagine that the audience won't accept me.  All of this is in their imagination, not reality.  They have no experience to verify or disprove their imaginary experience.

Public Speaking Skills will enhance your career 

     Wouldn't it be great if there were a venue where a rookie speaker or a speaker wannabe could get experience and training in a safe, comfortable environment?   If there were such a place, would you be interested in learning to be an excellent speaker?

     There is such a place.  It is your local Toastmasters club.  www.toastmasters.org   There is a Toastmasters club in your city.  Why should you join?  Why indeed?   You should join because the only purpose of Toastmasters is to teach their members speaking and leadership skills.  It is not a class that you take over six weeks.  It is a club you can participate in for as long as it benefits you.  I have been a member for twenty eight years.  The dues are $120 per year.  The return on your investment is ten thousand per cent.

     If you spent a couple of years in a Toastmasters club, you would develop extraordinary speaking skills.  What could you do with that skill?  I can tell you what I did with it.  After four years in Toastmasters, I tripled my income.  I never went back to my old mediocre income.  Today, I earn my living standing in front of a room teaching people to change their life.  www.firstrealestateschool.com    Joining Toastmasters was a good decision for me.  Joining Toastmasters would be a good decision for you. 

     If you live anywhere near Hendersonville, North Carolina, contact Four Seasons Toastmaster Club at www.fourseasonstoastmasters.com  .  If learning a skill that will enhance your career is high on your list, come see us.  It is easy.  It is lucrative .  It is fun.  My phone number is 828 440 1064.  Call me.  I will give you the details.