Deposit That

Jeff Van Note

The American Dream - a phrase first coined by James Truslow Adams in 1931, has grown significantly since its inception. The original meaning referred to a “dream of a land in which life should be better and richer and fuller for every man, with opportunity for each according to his ability or achievement…” Today, Entrepreneurship is quickly replacing the original meaning of The American Dream. Going deeper, it is the psychological belief that Entrepreneurship provides freedom, sought out by the brave. Freedom which in 1814 Francis Scott Key authored the term for America as “The Land of the Free and the Home of the Brave”, which also in 1931 became implemented by the singing of the National Anthem.


In today’s world, not many are experiencing freedom. Americans are buried in debt, subject to increased costs of living with stagnant wages, usually at a 9-5 job they can’t stand but have to keep in order to put food on the table and a roof over head. America is faced with three major hurdles as we move forward and they are racism, economic inequality, and gender inequality.


This podcast will feature all types of individuals and professionals of all ages, colors, shapes and sizes. They will share their background, upbringing, life transitions, successes, and real life struggles so that you can witness first hand for yourself the winning mentality. Some call it drive, others call it purpose. I call it “The IT factor”. Each episode is going to contain valuable information to help you grow on your path, regardless what stop or place in life you are at currently. I want you to be able to take just one thing away from each episode and implement it to your psychology or daily activities. Which brings us to the title “Deposit That” and its meaning. I want you to take just one thing to your memory bank aka brain, and “DEPO$IT THAT”.


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Episodes

Ralph Dibugnara: Disrupting the Real Estate World
Mar 17 2020
Ralph Dibugnara: Disrupting the Real Estate World
One of the reasons there’s poor management in the mortgage sector is the lack of education. People end up in managing positions, without really understanding the full landscape, and that affects how the entire industry develops and influences the lives of so many people.It’s time for some change, don’t you agree?Ralph intends to disrupt the way you think about the mortgage industry, the way you see the business, and the way you do business. He encourages people to think outside the box, take some shots, and try different things.In today’s episode, I am joined by my friend, Ralph, who is living proof that you can form friendships in business and business in friendships. We take the pulse of the mortgage industry today, stressing the need for more education – both for buyers and sellers - and we dive into predictions for the foreseeable future.Ralph Dibugnara is a nationally recognized mortgage expert and a frequent real estate industry commentator, featured in CNBC, Fox Business, Forbes, Huffington Post, and several other top-tier media outlets. With over 15+ years of experience, he is the President of Home Qualified and Vice President at Cardinal Financial, and focuses on the millennial demographic and redefining the role of the banker in today’s buyer-centric real estate market.A frequent industry commentator, Ralph is laser-focused on the trends and tides of the new world real estate game, so listen to Episode 39 of Deposit That, to learn the latest tendencies in this industry, especially with everything that’s going on in the US, today.Questions I ask:Do you think that it was very important learning sales first, then add to your God-given talent of management skills? (01:46)What do you think causes the poor lack of leadership and management, specifically in the mortgage industry? (02:36)How do you set your goals and what your future plans are, in a daily environment? (22:12)Do you think loan officers are still a value nationwide? (28:33)How do we get out to the consumer that not every rate is for every single person, and we don’t control that? (34:21)What do you see happening over the next 90 days in the marketplace? (39:33)In this episode, you will learn:Ralph’s background and how he got into the mortgage business. (00:58)The importance of developing a personal brand. (07:36)How having a routine was one of the contributors to Ralph’s success. (14:27)How Ralph views the recruiting process in this industry. (26:23)The vision behind the “real estate disruptors”. (29:11)Ralph’s Deposit That advice. (43:37)Connect with Ralph:LinkedInInstagramCardinal Financial WebsiteHome Qualified Website Hosted on Acast. See acast.com/privacy for more information.
Marcus Stout: On-court to Off-court
Mar 10 2020
Marcus Stout: On-court to Off-court
Nowadays, we are told to pretend, fake, and create this persona that we’re not. Being comfortable with yourself and being honest with who you are, gives you the energy to thrive in the space that you step into, no matter what that is.In today’s episode, Marcus and I focus on the topic of overcoming the struggle of going from the sports structure into the life after sports because the longer you play, the harder it is to accept when it ends.Marcus Stout works with basketball players of all levels in various capacities to develop their on and off-court skills. He is involved with many programs, such as NBA Pre Draft training - which helps prepare players for the NBA who are eligible for the draft; The Academy – which is a program that is focused on developing the overall skills of the youth as a player and person; Drill and Play – which focuses on the development of the youth through the game of basketball.So, listen to Episode 38 of Deposit That, to learn that acceptance of who you are and how you fit within the world is the biggest separator of people that are doing great and people that are not.Questions I ask:Tell us about your journey. (01:13)Do you feel like your injuries happened for a reason, in order to give you the opportunity to give back the way you are today, to kids, and inspiring the youth, or do you think there was another reason for that? (03:01)How was the transition from high school, with no expectations, into college and playing? (03:44)Do you see sports ever changing back to the old school way of combine, show up, get looked and move forward? Or is it more of a long-shot investment now? (09:12)What’s one thing you want to leave the listeners with? (55:44)In this episode, you will learn:In today’s sports world everyone is looking for shortcuts to find the next diamond in the rough. (12:28)How to keep a balance in the roller coaster of the sports world. (20:49)Marc’s experience with getting injured. (27:31)The longer you play, the harder it is to accept when it ends. (31:56)The reasons why writing is therapeutic. (34:16)The top 5 young NBA players to watch. (52:15)Connect with Marcus:LinkedInFacebook Hosted on Acast. See acast.com/privacy for more information.
Frank Valenti: Hard Work Pays Off, No Matter What
Mar 3 2020
Frank Valenti: Hard Work Pays Off, No Matter What
There’s no substitute for hard work, for grinding, for building your own thing. Even when you’re tired and you want to go home, putting an extra effort into what you’re doing, and hustling just a little bit more, can definitely make you feel better about yourself.  In today’s episode, I talk to Frank about a ton of things. He’s a young and restless individual, who never likes to sit still, so he’s got a lot of stories to tell. We chat about his background, his numerous experiences in different fields, and how he juggles his personal and professional life.From a young age, Frank Valenti worked alongside his father at his landscape construction company. While he was in college, studying civil engineering and construction management, he started his first company, doing small construction jobs. A friend of Frank’s advised him to get into the restoration business, so he founded Valcon Contracting Corp – a fire, mold, and water-restoration company, that now is very successful and is preferred over its competitors.Frank’s entrepreneurial spirit, and the success of his company, led him to invest his life savings into a commercial building. That building had an empty first floor, so he decided to start, together with two friends, an Italian restaurant called “808 Social”.So, listen to Episode 37 of Deposit That, to learn what makes this guy special, and the reasons why he’s the go-to guy whenever there’s a fire/mold/water restoration needed.Questions I ask:What would you say are two or three variables that turn a deal out to be good – better than expected, or bad – worse than expected? (05:47)Talk to me about all the ancillary businesses that you’ve opened up. Why you’ve opened them up and how you became the entrepreneur you are today? (08:29)If you had to pick one business that you have, to go all-in on, what would it be? (15:57)What do you see in the market in Westchester County right now? Where do you see opportunity and where do you see pain points? (16:30)Where do you think that the opportunity lies right now, in the real estate world? (21:21)In this episode, you will learn:How to land a job/project even though your rates are higher than your competitor’s. (11:13)How Frank ended up opening a restaurant. (14:21)What Frank looks at when analyzing a deal. (24:49)How Frank handles work-life balance. (28:25)Frank’s Deposit That advice. (33:31)Connect with Frank:LinkedInInstagramFacebookWebsite Valcon Contracting CorpValcon Contracting Corp on FacebookValcon Contracting Corp on InstagramWebsite 808 Social808 Social on Facebook808 Social on Instagram Hosted on Acast. See acast.com/privacy for more information.
Lamar McKnight: The Quarterback Expert – Trust Your Instinct
Feb 25 2020
Lamar McKnight: The Quarterback Expert – Trust Your Instinct
In order to become successful, no matter the field you’re in, you’ve got to focus on the process and fall in love with “how” you do things, not with ”what” you can get out of what you do. Allow yourself to make mistakes, to learn and to adapt. Be open to everything because the minute you become naive and a tunnel-vision person, you stop growing.In today’s episode, I talk with Lamar about how he sees the world in general and the healthy attitude we should all have toward each other. He talks about becoming successful relying on your own forces and instincts, and he shares with us stories from his rich background.Lamar McKnight was born and raised in the heart of Jersey City. He almost lost his life from just hanging with the wrong people at the wrong time, but he survived and learned his lessons. Lamar says that his past is the root of his current success. He started the Lamar McKnight Quarterback Academy in New Jersey and he is one of the fastest-growing quarterback trainers in the country.What makes him so special is the way he views human connection – regardless of where you come from, regardless if your black or white, he’ll treat you according to the person you deserve to be.So, listen to Episode 36 of Deposit That, to learn some great life lessons from the man who knows what it’s like to not have enough but also what it feels like to have everything.In this episode, you will learn:Lamar’s background. (00:32)All people are the same, regardless of their color. (13:57)Nobody can come and take from you what you’ve built. (24:40)Sometimes what we think we want isn’t necessarily what we need – look back and self-reflect to understand how you got to where you are. (36:09)Lamar’s Deposit That advice. (59:44)Connect with Lamar:Website – Lamar McKnight Quarterback AcademyLinkedInTwitterInstagramFacebook Hosted on Acast. See acast.com/privacy for more information.
Sean Stein Smith: Unraveling the Truth Behind Cryptocurrency
Feb 18 2020
Sean Stein Smith: Unraveling the Truth Behind Cryptocurrency
Since the invention of blockchain, in 2008, there has been a lot of fuss around cryptocurrency and how this could impact the world we live in. It’s a vast domain, that it’s becoming more and more influential with every year that passes.The average person on the street may have heard about blockchain, and Bitcoin, and other cryptocurrencies, but as far as understanding what they are, how they work, and the application for them, there’s still an educational gap that needs to be filled.In today’s episode, I want to unravel the truth behind cryptocurrency with Dr. Sean Stein Smith. He explains, in simple words, the terminology around it and he also shares some tips on what to pay attention to, when we turn our heads toward this world.Sean Stein Smith is a professor at the City University of New York – Lehman College. He also is the chairperson of the NJCPA's Emerging Technologies Interest Group (#NJCPATech). He serves on the Advisory Board of the Wall Street Blockchain Alliance, where he co-chairs the Accounting Work Group. Sean is on the Advisory Board of Gilded, a TechStars ’19 company. He was also a Visiting Research Fellow at the American Institute of Economic Research. Sean has also been named one of the Top 100 Most Influential People in Accounting by Accounting Today.So, listen to Episode 35 of Deposit That, to learn cryptocurrency 101 from one of the knowledgeable people in this field.Questions I ask:What got you into cryptocurrency? And what happened in 2017? (01:02)Where are we at, in the crypto space right now? (06:39)How do you see Ripple impacting the financial sector? (12:03)Do you believe blockchain is built for every single industry? (22:45)What tips would you give to people that are interested in this field and want to learn and maybe invest? What would your advice be, in doing due diligence? (32:05)From a real estate standpoint, do you believe we’re starting to see more people buying and selling real estate with the blockchain and Bitcoin, or no? (37:40)Do you think we’ll come to a point where every single human has its own blockchain profile, like a Facebook profile? (38:43)In this episode, you will learn:What Ripple and XRP are. (12:07)What a token is. (12:59)The problems that blockchain solves in the world. (20:32)Blockchain and real estate – how these two work together. (23:53)The most commonly used asset for criminal actions. (26:57)Sean’s crypto-related Deposit That advice. (40:13)Connect with Sean:LinkedInTwitterFacebook Hosted on Acast. See acast.com/privacy for more information.
Steven Koerner: Juggling Two Worlds - Personal and Professional
Feb 11 2020
Steven Koerner: Juggling Two Worlds - Personal and Professional
“A good loan officer can fix problems; a great loan officer avoids them“Being in the mortgage industry has its perks, but it also means that you have to find a way to be available for your clients 24/7, and this is not an easy job, especially if you want to also take care of yourself and your family.But, once you figure out a system that works for you, things get a lot easier.In today’s episode, Steven and I discuss how to balance a mortgage career and a personal life, and he shares some of his routines and systems that have helped him manage the everyday hustle. In addition, we also talk about the current market environment and how Steven sees it evolve in the future.Steven Koerner and his dedicated team pride themselves on delivering a transparent, seamless and efficient mortgage experience to their clients.  Steven is a 17 year veteran in the mortgage industry who meticulously focuses on details for his clients. He has found his home with Citizens Bank for the past 5 years.  Steven is a recipient of multiple awards including “Presidents Club”, “Customer Satisfaction” and the prestigious “Citizens of Excellence”. Steven Koerner is a proven, time-tested exceptional mortgage expert.  Building a meaningful bond and educating his clients are some of the reasons why clients love working with him and his team.So, listen to Episode 34 of Deposit That, to learn how to do eight hours’ worth of work in half the time, and how to keep your clients happy.Questions I ask:What got you into the mortgage business? (01:22)What did you focus on when you got into the business? (02:15)How have you been able to manage your personal life with your business life? (16:45)What’s your weekly routine? (18:19)What would you say is the biggest sacrifice that you made for yourself and your wife? (44:44)What’s your personal forecast and understanding of the current market environment that we’re in right now? (48:16)In this episode, you will learn:The reason why Steven chose to be part of Citizens Bank. (10:49)The type of clients that work with Steven. (14:58)Steven’s follow-up process both with the referral source and with the client. (23:53)How Steven sets goals for the year and how he tracks on a monthly basis where he’s at. (29:01)The trouble with Zillow, in a nutshell. (51:35)Steven’s Deposit That advice for people to implement into their daily life. (52:57)Connect with StevenLinkedInFacebookCitizens Bank Hosted on Acast. See acast.com/privacy for more information.
Ashley Battle: Ballin’ with Ashley Battle
Feb 4 2020
Ashley Battle: Ballin’ with Ashley Battle
Throughout life, there’s going to be challenges and hard times, but there’s also going to be some magical times. You never know what tomorrow holds, so you’ve got to keep working, grinding, and perfecting yourself and never stop learning.In today’s episode, Ashley and I talk about the world of basketball, and what it means to dedicate your life to this sport. As a tribute to Kobe, she also speaks about their relationship on the court and as friends, and she encourages all of us to rise and shine and crush life.Ashley Battle is currently a Basketball Operations Associate at NBA. She started playing basketball at an early age, and when she was in fifth grade she was the only girl on the boys’ basketball team. She spent her high school years in a boarding school in Wheeling, West Virginia, where she set school records in points, rebounds, assists, and steals. She decided to go, for college, at the University of Connecticut, following most of her friends there, and she graduated with a bachelor’s degree in Marketing and Economics.So, listen to Episode 33 of Deposit That, where Ashley shares some valuable life lessons she learned on the court.Questions I ask:What was like being in Kobe Bryant’s presence? Was it different than anything else you’ve ever been around? (02:40)How did you wind up at UConn? (04:01)In women's basketball, is it common to leave early and go to WNBA or is it kind of like, you do your four years, you graduate, and then move on? (14:23)Do you think that the practices more so than the games, prepared you for real life? (18:42)What’s one thing you want to leave everybody with, to Deposit That in their memory bank? (39:00)In this episode, you will learn:How Ashley’s perception of life changed after moving out of Pittsburgh. (07:11)How Ashley recovered from an injury she suffered in her freshman year. (12:21)The similarities and differences between being in a basketball team vs being in a corporate team. (20:15)Ashley’s experience of playing for the New York Liberty. (30:39)Ashley’s current role in the NBA and what the future holds for her. (35:14)Connect with Ashley:LinkedInInstagramFacebook PageTwitter Hosted on Acast. See acast.com/privacy for more information.
Leandro Acevedo & Veronica Olivares: The Power of Holistic Healing
Jan 28 2020
Leandro Acevedo & Veronica Olivares: The Power of Holistic Healing
Holistic medicine is a form of healing that considers the whole person – mind, body, spirit, and emotions.As some of you may know, in 2017 I went on a personal journey meant to bring back balance in my relationships, my life, my mind, and my body. That’s when I met Leo and Veronica and without them, I probably wouldn’t be where I am now.In today’s episode, we talk about their work and how they are able to help people by combining different techniques, from massage therapy and balancing internal energies through meditation, to dance, and creative arts therapy.   Veronica Olivares has built a private practice as a therapist, combining a holistic approach with traditional methods. She discovered the significant impact of alternative healing techniques while training in dance therapy as well as in the creative arts. Always having been a creative herself, Veronica believes that true healing and transformation can occur when we learn to tap into the parts of us that ignite and inspire the creator within.Leandro Acevedo is a holistic massage therapist with over twenty years of experience. He has created his own style of healing by combining different techniques plus adding his own methods. He believes if we understand how energy works, we can use it to benefit our health mentally, emotionally, physically and spiritually. His work focuses on balancing internal energies in order to heal.Listen to Episode 32 of Deposit That, to learn the different types of problems people have when they decide to work with Leo and Veronica, and why a holistic approach can help you bring harmony into your life.Questions I ask:Veronica, what do you think got you specifically into this space other than to help other people? (03:45)What causes judgmental people, in this world we live in, to be so judgmental and critical without knowing the full story? (13:36)How did you guys meet? (14:46)Do you believe that every single person should incorporate energy work into their life at some point? And is there a time when it’s more beneficial or less beneficial? (20:13)Do you ever let your business work impact your personal life? (36:13)Explain how men and women are so different and how they are supposed to interact with each other? What are the biggest things that people conflict on? (40:17)In this episode, you will learn:Leo and Veronica’s background and what they currently do. (01:05)About the dark shadow that’s present in each one of us. (08:40)Where the ego comes from. (09:28)The skill that makes talk therapy so efficient. (21:15)Veronica and Leo’s secret ingredient that makes them better than other people in their field of work. (28:17)How Veronica and Leo prove their work is real. (32:24)Your Deposit That advice for this episode. (43:49)Connect with Veronica & LeoWebsiteLinkedIn Hosted on Acast. See acast.com/privacy for more information.
Matt Barbaccia: The Key Ingredient to Successful Loans
Jan 21 2020
Matt Barbaccia: The Key Ingredient to Successful Loans
Lending in the real estate industry – as in any other field – requires a certain degree of communication between parties. As a borrower, it’s essential to be upfront with any difficulties you may encounter, because everyone can have rough times and lenders can be very understanding if they know the whole story.In today’s episode, Matt and I discuss the key aspects a lender looks at when taking into consideration whether to invest in a deal or not, and he shares some of his experiences on the subject.   Matthew Barbaccia started his career in 2005 selling multi-family buildings in the Bronx for one of the largest national commercial real estate companies. As the market started to turn around, in 2008 he partnered with a Bronx owner-operator to combine expertise to better help his clients navigate the changing real estate market. Throughout Matthew's career, he has directly advised on the sale, financing or asset management for over $500 million worth of investment properties in NYC and Westchester County.Matthew founded Brix Real Estate to expand on 15 years of real estate experience in the Bronx, Westchester and Manhattan selling, financing and managing multifamily and mixed-use properties. He is actively involved in the NYC real estate community. Currently, Matthew is a member of Community Housing Improvement Program (CHIP) and Rent Stabilization Association (RSA).So, listen to Episode 31 of Deposit That, to learn how the real estate market has changed in the past few years, and what type of deals Matt focuses on, at the moment.  Questions I ask:What sparked that entry into the private lending space? (06:37)What’s been your experience so far? Do you like it? What are the opportunities and where are the problems? (07:39)Do you believe that people that want to get into real estate or mortgage lending should start while they're in college? (11:36)Based on all the years of experience, all the business ventures you've done, what you currently do - wife, kids, everything else - what's one thing you want to leave the listeners with that they can implement immediately into their daily life? (52:12)In this episode you will learn:Matthew’s background. (00:32)The reasons Matt transitioned to property management. (03:21)Mezz Financing explained. (09:03)How Matthew manages to balance his work life with spending time with his wife and two kids. (13:57)What a borrower should do, if they have hard times. (19:22)Connect with Matt:WebsiteLinkedInFacebook - Brix AdvisorsTwitterInstagram Hosted on Acast. See acast.com/privacy for more information.
Oscar Nunez: Consistency Leads to Success
Jan 14 2020
Oscar Nunez: Consistency Leads to Success
Being successful at a young age requires a certain discipline, focus, and consistency. You can find ways to tweak some things in order to make it your way, and if you become consistent in what you believe in, you’re unstoppable.On today’s episode, you’re going to hear the unusual story of a young agent that is thriving in an industry he didn’t want to be a part of, a few years ago.Oscar Nunez is a knowledgeable, ambitious, and enthusiastic real estate agent that focuses mainly on keeping his clients happy and creating long-term relationships. He finds ways to sell homes no matter the condition, location or situation.So, listen to Episode 30 of Deposit That to learn about this rising star, how he managed to start and go full speed in the real estate business and what are the strategies he uses to close every deal he gets.Questions I ask:●     What actually got you into real estate? (05:45)●     What kept you going and what have you learned in the past three years of real estate? (06:45)●     Talk to me a little bit about your strategy moving forward. (10:28)●     How are you able to block out all the noise and the non-factual information? (12:54)●     Have you found it challenging to pick up on market trends in markets that you're not operating in daily? (17:37)●     Have you ever had a property listed that you didn't sell? (20:41)●     Have you ever lost business from being too honest with somebody? (26:02)●     What are your goals for 2020 and for the decade? (29:22)In this episode, you will learn:●     Oscar’s story before and after he came to the US. (00:26)●     Oscar’s traits, at 22 years old, that separate him from everyone else. (11:40)●     How Oscar chooses who to listen to and what advice to take. (14:21)●     Oscar’s follow up system with prospective clients. (18:57)●     Oscar’s advice for young people on how to get started and go full speed into the real estate business. (24:04)●     Oscar’s Deposit That advice. (34:11)Connect with Oscar:●     LinkedIn●     Facebook Page●     Facebook Profile●     Instagram Hosted on Acast. See acast.com/privacy for more information.
Brett Sikora & David DeVoe Part 2: Learning from Failures
Jan 14 2020
Brett Sikora & David DeVoe Part 2: Learning from Failures
Failing is a great way to improve ourselves. We mostly learn from the mistakes we experience, but when it’s possible, it’s important to take notice of other people’s errors and try not to repeat them, so that we have less to experience on our own. In today’s episode, Brett and Dave share their biggest failures and what they’ve learned through the years. They also talk about EXP’s mentoring program that helps young agents find out what their weak spots are and become better at doing business. Brett Sikora launched Sikora Group in 2016, with the main goal of making sure that every client and team member is getting the white-glove service they need to make the process of buying or selling real estate as smooth as possible. He got his real estate license in 2007 and started selling real estate after he worked at a car dealership and wanted to pursue a career in sales on a bigger scale. David DeVoe is the CEO and founder of the DeVoe Group, a company that provides the best service possible to handle the real estate needs from start to finish. Prior to being in the real estate business, he worked in the mortgage industry for 10 years.So, listen to Episode 29 of Deposit That, to learn from their failures and deposit those into your memory bank, so that when you’re in a similar situation, you’ll have a better chance of not repeating the history. Questions I ask:Why EXP? (23:30)Do you think the industry is shifting, like, the people with experience and people without experience are actually willing to hire someone like yourself, to get coaching or get advisory or get some mentorship that they’re willing to pay for, other than the revenue share split for being on the team? (28:48)Why are people - specifically in real estate - so against the facts or the proof in the pudding of reality? (32:57)What do you recommend for the person that's listening and they’re like, "I really want to leave my full-time job. I want to become a successful real estate agent." How should that transition look like and at what point should they really just decide, commit, and go all-in on being a licensed real estate salesperson? (37:08)In this episode, you will learn:Jeff’s biggest failure. (01:08)Brett’s scariest real estate investment, and his definition of failure. (05:09)The trap than many people fall into – Dave included - thinking that all the money they make is theirs. (09:37)The importance of investing in an advisor that will help you set your budget right, especially if you’re young and inexperienced. (12:03)The benefits of EXP’s mentoring program. (43:00)Connect with Brett and Dave:Elevatedominate.comEXP Realty websiteThe DeVoe Group websiteSikora Group websiteDave’s LinkedIn profileBrett’s LinkedIn profile Hosted on Acast. See acast.com/privacy for more information.