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Title Notes E-News             West Virginia Bankers Title, LLC            September 2019

This 75-Year Harvard Study Shows How To Have a Lifetime of Joy
by Benjamin P. Hardy

In the digital world we now live in, it's not about the amount of hours you work. But the amount of thought and humanity you put into your work.

The deeper and more transformative your daily experiences, the more perspective you'll have into what the world needs. The better you'll be at your job. The happier you'll be as a person - despite experiencing hardships throughout life.

When you have people around you who love and help you, you become a different and better person. You become transformed. You become capable of doing amazing things. You are enabled to overcome hardships that would destroy most people.  Click  HERE  to read on.

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Phishers Play On Emotions To Fool Victims
by Dennis Fisher
Phishing has proven to be one of the more difficult security problems to solve, and the biggest challenge is that human error is to blame for most of our problems. If only we could remove humans from the loop, everything would work perfectly. Sure humans make mistakes and click on malicious links and fall for phishing scams, yet it's not always because of ignorance or indifference or carelessness. Quite often, it's because the people crafting those phishing emails and creating the campaigns understand human psychology and know how to target their messages to create emotional responses. Click HERE to learn more. 
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Hometown, Community Banks Don't Have To Disappear
by Michael Boukadakis
Community banks have made a positive impact on our country, and they can continue their legacy with help from both traditional and non-traditional players. Balancing the importance of in-person and digital customer engagement is crucial for community banks to protect their market share. Consumers want their financial institutions to meet them where they are, in the communications channels they like to use. Click  HERE for more insights.

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Are Your Company's Strengths Really Weaknesses?
by Adam Brandenburger
Look at a map of the  world drawn upside down. It's a good way to challenge your assumptions about the way the world is - especially which continents and oceans are bigger and which are smaller. Looking at the business world upside down has a similar effect: It challenges your assumptions about company characteristics and what they mean for an organization.  Click  HERE  to learn about new strategies that can systematically help you ask important questions about whether upside-down rather than right-side-up dynamics may be at work in your business
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Opinion Process Changes Can Bring New Business to Mortgage Lenders
by Steve Smith
When interest rates start to rise again - and they will - mortgage lenders looking to bring in extra business should consider shaking up their offerings.  Simple steps, such as digitizing the lending experience, can go a long way toward boosting mortgage applications even as interest  rates continue to fluctuate.  Most millennials want to own  a home. In fact, 72% say owning a home is a top priority. Earn the business of these tech-savvy consumers -- as the  largest generation in the U.S. workforce , millennials have the purchasing power to make a big difference in your bottom line. Click  HERE  to learn more.
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**Remember to offer your borrowers Owner's Coverage on their most valuable investment. It's a one time premium with a lifetime of security. In addition, they will receive a reduced premium rate when they obtain it simultaneously with your Lender's Coverage.**

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Bob Drummond
Give us a call and let us know how we can better serve you and your team!
Vice President & Agency Manager
West Virginia Bankers Title, LLC
1547 Tulip Lane
Fairmont, WV 26554

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