Welcome to All In uncensored with Ryan and Bryon!
Welcome to Episode 23: Mindset and Momentum. In this episode Ryan and Bryon are bridging the gap by exploring mindset and how it can create momentum.

Some of the topics we will touch on in this episode:
• Does Mindset Matter?
• Two types of mindset: fixed and growth
• How do you transform into a growth mindset?
• Importance of self care

Does Mindset Matter?
Mindset is a set of beliefs that shape how you make sense of the world and yourself. It influences how you behave, think and feel in a situation. What you believe about yourself will impact your success or failure.

Fixed and Growth mindsets
Fixed you believe that your abilities and traits cannot change. A growth mindset is the opposite, talents and abilities can through effort and persistence be developed over time.

Transforming into a growth mindset
Focus on the journey. Incorporate “yet” into your vocabulary. You may not master something but by using yet it implies it is possible. Pay attention to words and thoughts. Put positive thoughts into your mind. Take on challenges. We learn from mistakes and get better. As we mentioned in our Go for No episode – fail faster to find success quicker.

Important of Self Care
Often times we are wired to have a limiting belief system or negative self talk. By caring for yourself and putting in the work you can transform into a growth mindset and overcome our social programing of a fixed mindset.

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels!

Thanks again for tuning in! It’s another great day!

Welcome to Episode 22: What Moves Mortgage Interest Rates?. In this episode Ryan and Bryon are bridging the gap by asking the question what moves mortgage interest rates?

Some of the topics we will touch on in this episode:
• What causes interest rates to go up or down?
• How does inflation affect rates?
• What is currently going on with inflation?
• What is our take on inflation and future of rates?

What causes interest rates to go up or down?
Mortgage rates are tied to the mortgage backed securities bond market. Investors move their money into bonds to protect the value of their dollar. In an inflationary environment, dollar is stronger and as a result investors sell their bonds or mortgagage backed securities in favor of higher return investments like CD’s. When the 30 year MBS goes down, rates go up.

How does inflation affect rates?
Inflation means more dollars competing for less goods so demand is higher than supply which cause the cost of something to go up. In this case investors have opportunities for bigger returns in different investment vehicles other than mortgage backed securities so they unload their positions causing the bond market to fall which inversely causes rates to go up.

What is currently going on with inflation?
We have higher energy costs, shelter costs and vehicle insurance costs whichare the three main drivers of inflation right now. Until the Fed sees inflation stabilize at no more than 2% we will continue to see them hold their position to not cut rates. The reality is inflation is likely to remain stubborn and we have less than a 47% chance of a rate cut by July.

What is currently going on with inflation?
We believe that it will likely take higher unemployment numbers to move the needle with the Fed to cut rates. While we continue to see unemployment numbers remain low, it is mostly because people are taking on 2nd jobs and part time work to supplement their income. The jobs data is not really a solid indicator of what is actually happening in the market. With a likelihood of a global monetary crisis on the horizon we believe unemployment will spike which will force Feds hand to have to cut rates. Right now the Fed is walking a fine line between trickery and divinity.

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored
Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

Welcome to Episode 21: Go for No!. In this episode Ryan and Bryon are bridging the gap with the listening audience by exploring the concept of going for “No”. Ryan and Bryon are centering this episode on a book they read called “Go for No: Yes Is The Destination. No is How to Get There” by Richard Fenton and Andrea Waltz.
Some of the topics we will touch on in this episode:
• Overview of Book
• What does going for No mean?
• Shifting Mindset

Overview of “Go for No!”
Most people in sales are constantly building their entire prospecting plan around how many sales or yeses they can get. This book, through some great storytelling, flips this concept on it’s head by instead tracking the No’s. You learn what it takes to outperform most sales people by embracing this concept.
What does Go for No mean?
Failing and failure are two different things. If you think of sales as a numbers game the faster you fail (or get No from a prospective client) the quicker you get to a yes. If you are embracing the No’s you no longer have a fear of failing and you get through your failures that much quicker.

Shifting Mindset
The book really articulates well the concept of failing faster to get to yes quicker and thus allows you to scale more. We often times have a goal of getting so many yeses or sales in a week. Once you stop at your goal you have created a limiting mindset and you only go as far as the number of yeses you get. If instead you focus on hitting a goal of No’s with no concern about how many yeses you get, you blow past your goals that much quicker and learn to celebrate failing faster to get better and get to yes quicker. Ryan and Bryon are going to embrace this mindset and be intentional about failing faster to get to our destination quicker.

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored
Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

Ryan and Bryon discuss the National Association of Realtors (NAR) Settlement and the implications it will have on the real estate market.

They offer their opinions and provide a unique perspective of how to sift through the sensationalism the media offers and give a realistic assessment of what this all means for home buyers, lending, real estate partners and sellers.

Please follow Ryan and Bryon at www.allinuncensored.com

In this episode of All In Uncensored Ryan and Bryon are exploring the concept of culture and what that means in an office or business environment.

1. Experience with COVID-19
- The challenges and adjustments faced during the pandemic.
- Remote work dynamics and their impact on productivity and company culture.

2. Importance of Company Culture
- Recognizing the significance of maintaining a positive and inclusive company culture, especially in remote work setups.
- Strategies for fostering teamwork, communication, and employee engagement in virtual environments.

3. Significance of Reading and Personal Growth
- The value of reading as a means of personal development and expanding one's knowledge base.
- Recommendations for books and resources that offer insights into business, psychology, and self-improvement.

4. Insights into Gen Z and Millennial Homebuyers
- Discussion on the preferences and priorities of younger generations when it comes to purchasing homes.
- Factors such as location, amenities, and sustainability influencing buying decisions among Gen Z and millennials.

5. Upcoming Plans and Events
- Mention of upcoming events or initiatives within the company or personal projects on the horizon.
- Opportunities for networking, skill-building, or personal growth in the near future.

These key points provide a comprehensive overview of the topics covered in the conversation.

Episode 18 - Mortgage Backed Securities - Rates up, Man Down
Ryan talks about mortgage backed securities and how the fed fund rate does not affect long term interest rates.

Also, Bryon is out this week with Covid.

In episode 18, the host Ryan Buys provides a market update, reflecting on the fluctuating speculations and actions of the Federal Reserve (Fed) regarding interest rate cuts amidst concerns over inflation.

Despite earlier predictions, Fed rate cuts seem postponed possibly until late summer or September, contingent on inflation reaching the desired 2%. The discussion emphasizes that mortgage rates are primarily influenced by mortgage-backed securities rather than the Fed's fund rate or 10-year treasury notes, with inflation and employment being critical factors in determining home buyers loan rates.

The host reflects on past instances where home buying rates decreased despite Fed inaction, highlighting the complexity of market dynamics. The future trajectory remains uncertain, subject to the Fed's assessment of economic indicators.

Listeners are encouraged to reach out with questions, underscoring the ongoing market unpredictability.