The Lending Coach

Coaching and teaching - many through the mortgage process and others on the field

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Overcoming Performance Fears and Blocks – Baseball | Mental Toughness

Youth Baseball-pitcher-bp6316What REALLY causes slumps, throwing problems and other, seemingly mysterious performance difficulties on the field and the BREAKTHROUGH techniques that can get you unstuck and back on track!

Source from Dr. Alan Golberg: Overcoming Performance Fears and Blocks – Baseball | Competitive Advantage: Mental Toughness

The Problem

Repetitive Sports Performance Problems or RSPPs, a very common performance issue that lays waste to the careers of many talented ball players across all levels of the game. Occasionally an athlete will successfully work through this kind of problem by himself. More often than not, however, these problems will continually sabotage an self-confidence and ultimately drive him right out of the sport.

The Causes

These repetitive performance problems are most often caused by past physically or emotionally upsetting events. For example, a physical injury like a collision, concussion, torn ligaments, pulled muscle, getting hit by a pitch or breaking a bone, or the upset can be emotional like committing an error that costs your team an important game, choking away a big performance opportunity, getting cut from the team or being screamed at and humiliated by your coach in front of your teammates and fans.Second Game 6-26-12106

The Results

These upsetting events end up getting memorized and held in the athlete’s mind and body, long after the experience has been forgotten. If they’re in any way reminded of these upsets or the athlete is under pressure, then components from the original experience end up bubbling up into awareness.

What the athlete becomes aware of at that point is a loss of confidence or feeeling of danger inside. This sense of inner danger then triggers that athlete’s nervous system to automatically respond with self-protective motor programs, i.e. fight/flight. Suddenly the athlete can’t get himself to do what he knows how to do. He loses his velocity on the mound and can’t get the bat off of his shoulders!

Understanding Earnest Money

earnest_money_depositThe earnest money deposit is an important part of the home buying process. It tells the seller you’re a committed buyer, and it helps fund your down payment.

How Much Should You Put Down in the Earnest Money Deposit?

The amount you’ll pay for the earnest money deposit will depend on a few factors, such as policies and limitations in your state, the current real estate market, and what the seller requires. On average, however, you can expect to hand over 1-2% of the total purchase price as earnest money.

When Do You Pay the Earnest Money, and Who Holds It?

In most cases, after your offer is accepted and you sign the purchase agreement, you give your earnest money deposit to the title company. In some states, the real estate broker holds the deposit.

Always check the credentials of the firm or broker taking the deposit and verify that the funds will be held in escrow. Never give the earnest money to the seller; it could be difficult or impossible to get it back if something goes wrong.

After turning over the deposit, the funds are held in an escrow account until the home sale is in the final stages. Once everything is ready, the funds are released from escrow and applied to your down payment.

If the deal falls through, a small cancellation fee is usually taken out of the deposit, but the remainder remains in escrow. Whoever holds the deposit determines whether you should get the money back under the terms of the purchase agreement. Make sure that the purchase agreement covers how a refund is handled.

Link to Realtor.com: Understanding Earnest Money

How crazy are youth sports these days? Ask college athletes.

Looking back on their youth sports careers, college athletes see big problems with the system.

Source: How crazy are youth sports these days? Ask college athletes – The Washington PostBigAlPlayerHittingGndBall-500px

“A major survey of NCAA student athletes released earlier this year reveals what critics of youth sports have been saying for years: The system is really whacked.”

Unfortunately, this shouldn’t come as a surprise to anyone – just look at all of the “competitive” travel and club teams all around us.

College athletes reported specializing in their sports before the word teen is added to their ages. Many regret doing so, the survey found. The athletes think they play in too many games at too young an age. And their parents totally think they are going pro.

The likelihood of anyone playing at the D1 college level or professional ranks is unbelievably slim.  But don’t tell that to many parents, they know their kid is going pro!

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