Monday, March 17, 2008

After The Storm

"In our lives there is bound to come some pain, surely as there are storms and falling rain;
just believe that the one who holds the storms will bring the sun."
author, unknown


This past weekend, the Atlanta area was hit by a storm that shouldn't have occurred. You see, no one would have ever thought a tornado would hit the downtown Atlanta area. It wasn't something that most people would have ever imagined. The news reports of the damage, property loss, injury and loss of life are heart wrenching.

Please reach out to those you know who are in the Atlanta area. Make sure they are safe. For those who have experienced losses due to the storm, please put them in your prayers, offer them assistance and lend support. This experience will be one none of us will ever forget. Let your empathy and generosity be part of the memory. Offer assistance to storm victims and volunteer to assist with clean up or help victims by provding clothing, food or shelter.

We're all in this together.

Kennette Reed
http://www.resiliencecoach.com
http://www.kennettereed.com
http://www.discoveringyourpassion.com
http://www.stepsalongyourpath.com

Friday, March 7, 2008

Foreclosures Skyrocket - How To Avoid Foreclosure

Yesterday, I saw the all too real affects of foreclosure. A neighbor suddenly packed up his possessions, said his goodbyes and moved. However, we noticed there was never a "For Sale" sign posted in the yard and they never mentioned where they were moving to. Within a couple of days of their departure, the sheriffs arrived at their home, kicked in the doors and threw the departed neighbor's remaining belongings into the front yard. What remained was substantial. It was heartbreaking to see the remnants of a family's past scattered throughout the yard. This scene made the reason for the neighbor's sudden departure all too obvious.

Everyday, I hear of someone who is losing their home due to a layoff, medical expenses, escalating mortgage payments (due to a variable interest rate) or some other reason. However, people often don't utilize some of the options available to help avoid foreclosure. Many people start down the road to foreclosure and think there is no way to turn around the car once they start down that road.

In an attempt to help others avoid this painful experience, I wanted to include some helpful information. If you or someone you know is facing foreclosure, here are tips from the HUD (Housing and Urban Development) website:

If you are unable to make your mortgage payment:

  1. Don't ignore the problem. The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.
  2. Contact your lender as soon as you realize that you have a problem. Lenders do not want your house. They have options to help borrowers through difficult financial times.
  3. Open and respond to all mail from your lender. The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.
  4. Know your mortgage rights. Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and time frames in your state (as every state is different) by contacting the State Government Housing Office.
  5. Understand foreclosure prevention options. Valuable information about foreclosure prevention (also called loss mitigation) options can be found on the internet at www.fha.gov/foreclosure/index.cfm.
  6. Contact a HUD-approved housing counselor. The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. Find a HUD-approved housing counselor near you or call (800) 569-4287 or TTY (800) 877-8339.
  7. Prioritize your spending. After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage.
  8. Use your assets. Do you have assets-a second car, jewelry, a whole life insurance policy-that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home.
  9. Avoid foreclosure prevention companies. You don't need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services your lender or a HUD approved housing counselor will provide free if you contact them.
  10. Don't lose your house to foreclosure recovery scams! If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional, or a HUD approved housing counselor.

I believe the current mortgage crisis and foreclosure rates will get worse before they get better. Everyone, please consider your options and unload assets you can no longer afford, before the financial hole gets too deep. Once the foreclosure ball starts rolling downhill, it can quickly build speed and get beyond your reach. Stay on top of your options and make decisions that will keep your finances manageable.

I wish everyone the best during these challenging economic times.

Kennette Reed
http://www.resiliencecoach.com
http://www.kennettereed.com
http://www.discoveringyourpassion.com
http://www.stepsalongyourpath.com

Thursday, February 28, 2008

Shut Up and Listen

How many times have you been the victim of an incessant babbler? On and on they go with seemingly no end in sight. They barely pause long enough to take a breath. Usually, people avoid them like a plague, but occasionally you get cornered. These are the people who never learn anything. How can they, they're too busy talking about what's important to them.

What can we learn from this type of person? Shut up and listen more. Effective communicators do far more listening than talking. Through listening they hear what others miss and are often able to reach a deeper level of understanding about the people they listen to.

Want to be more effective in your business and personal lives? Reduce the time you spend talking and increase the amount of time you spend listening. Take note, I mean truly listening, not just hearing. There is a big difference between the two. Stay focused on the speaker and paraphrase what they said to you. This shows you've understood what's been said and if you haven't, your paraphrasing will help the speaker see where clarification is needed.

Try it. You'll experience richer and more meaningful conversations.

Kennette Reed
http://www.resiliencecoach.com
http://www.kennettereed.com
http://www.discoveringyourpassion.com
http://www.stepsalongyourpath.com

Monday, February 25, 2008

To Thine Own Self Be Kind

As some of you know, we have a daughter with Lupus. She is a caring and giving person who has always taken care of others before taking care of herself. This tendency has led her to realtionships with overly dependent friends and partners, who took far more than they gave.

Her greatest joy comes from her children. As a divorced mother of four girls (ages 9 - 17) and twin foster daughters (age 13), she has her hands full. I admire her ability to keep going, despite the financial, health and everyday challenges she faces. However, I believe her longstanding pattern of taking care of others first, plays a major role in the current state of her health.

As a business and life coach, I often work with women who feel others will think poorly of them if they take care of their own needs, before taking care of everyone else. I always use the airline emergency instructions to illustrate the fallicy in this thinking.

In case of an emergency, you're instructed to use the oxygen mask on yourself first. Why? If you don't, you risk running out of oxygen. If you're out of oxygen (or low on oxygen), you can't do the best job of helping others. In otherwords, when you're at your best, you can give your best to everyone else.

When we take care of self by eating well, resting, exercising, nurturing our self (mind, body and soul) and showing others how we want to be treated, we help our self be the best it can be. Also, taking care of our self sets an example for our children. We show them by example how they too should care for their body, mind and spirit, so they can be their best. When we don't take care of self, by example, we teach our children to not take care of themselves.

Learn to say no. Learn to walk away. Learn to have some "me time". Yes, some may say you're being selfish. Many may say you are vain. Others may say you don't care enough. Your response, "Actually, I care a great deal. I care enough to want to stay healthy, happy and alive for my family and myself." Be kind to yourself. Take care of yourself. When you do, everyone wins.

Kennette Reed
http://www.resiliencecoach.com
http://www.kennettereed.com
http://www.discoveringyourpassion.com
http://www.stepsalongyourpath.com

Tuesday, February 19, 2008

Lessons From The Fishermen

"The sea does not reward those who are too anxious, too greedy, or too impatient. To dig for treasures shows not only impatience and greed, but lack of faith. Patience, patience, patience, is what the sea teaches. Patience and faith."
Anne Morrow Lindbergh


I've been working on being more patient for the past seven years. This change in attitude started when I chose to leave my last job and start my current business. As a serial entrepreneur, this wasn't my first time around the block as a business owner. Though I began with an idea of what I'd do this time around, time and a desire to follow my passion, morphed that idea into something else. However, getting there was a process. It was, and continues to be, an exercise in patience.


We can learn a lot from fishermen. They take a line with bait on it and cast the line into a sea, lake or other body of water. To be effective, they must use their knowledge of:
  • What the water has to offer (type of fish)
  • When it is most likely to offer it
  • What type of bait will be most interesting to their target fish
  • What will most likely entice the fish to take the bait
  • How to reel in the catch

With this knowledge, the fishermen cast a baited line into a large body of water and wait. They sit quietly and patiently with hope and belief of eventual success in attracting their target fish. Impatience is not a word associated with fishermen. It is understood, there are days when he may catch nothing and days when he will be rewarded with a bounty. Despite the uncertainty, each outing, he returns to the water with hope.

It's about patience, and to some extenet, relinquishing control. Though they can't see or control what lies beneath the surface, their faith in eventual success is unshaken. So, they adjust the type of bait, the location of their line casting or the time of day during which they fish. Then again, with faith, they wait.

I've read that impatience is a lack of faith. Too often we give up when our reward is at hand, because we can't see how or when it will come. As a friend once told me, "You are planting seeds. They will sprout in their time, not yours." Once you plant seeds (marketing efforts, prospecting, presentations, article writing, advertising, etc.), it doesn't matter how often you go out into the garden and tell them to grow. They will sprout when the conditions are right. Some seeds will never sprout. Your job is to plant them, nurture them (fertilizing, watering, etc.) and wait. And so it is in life. Choose the right bait, location and time for the type of fish you'd like to catch. Cast your lines into the water. Then, you wait with patience and faith. Don't give up. Don't give in.

How many times have you given up on a goal, an idea, a project or a person due to impatience or an inability to see the fruits of your labor (in what you thought was an acceptable timeframe)? What have you been or are you currently impatient about? Is it possible you gave up too soon? Is it possible to revisit that project, idea or relationship and give it more time, effort or energy?

"Don't judge each day by the harvest you reap, but by the seeds you plant."

Robert Louis Stevenson


Kennette Reed
http://www.resiliencecoach.com

Wednesday, February 13, 2008

Will Speak for Fee

Share The Secret & Use It Yourself
There are many people who don't know I exist (imagine that). There are also many of you who at times are in need of a speaker/presenter for your meeting or event, and the thought, "I should hire Kennette Reed for this presentation", never crosses your mind. I'm sure that's partly my fault. But, we can remedy this situation. Please help me by:

  • Looking for meetings/events/conferences where Kennette could be hired as a Keynote speaker
  • Hiring Kennette Reed as a Keynote Speaker for your meeting, event or conference
  • Recommending Kennette Reed to others as a Keynote speaker

I know, it's not subtle, but a girl's got to work. If you're uncertain about my topics, whether I'd be a good fit or need more information, please visit my Speaking website http://www.speakerkennettereed.com/ or phone me at 678-344-6373 or 510-352-2121. Want to submit a request for a consultation? You can submit your inquiry by using our online Speaker Presentation Query Form and of course, email is always an option kreed@kennettereed.com .

What's In It For You?
Any referral that turns into a speaking engagement earns you 25% of the speaking fee in commission. That can amount to hundreds of dollars. An easy way to earn some additional cash.

So, what are you waiting for? This is a win-win. Start sharing the secret today. Tell your friends, family and associates about Kennette Reed. Refer them to http://www.speakerkennettereed.com/ and make sure they tell me you sent them. I want to make sure you get the credit. Feel free to follow up on any referrals, at any time. I'd love to hear from you.

I appreciate your continuing support. Thanks for taking the time for this message.

Tuesday, February 5, 2008

Yes We Can!

This video was sent to me by a friend. It is a great video, regardless of who you intend to vote for.