So... You Think You Want to Be a Real Estate Agent?

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Author :
Publisher :
ISBN 13 : 9781543963977
Total Pages : 70 pages
Book Rating : 4.9/5 (639 download)

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Book Synopsis So... You Think You Want to Be a Real Estate Agent? by : Teresa Rogers

Download or read book So... You Think You Want to Be a Real Estate Agent? written by Teresa Rogers and published by . This book was released on 2019-07-23 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you are thinking about becoming a Real Estate Agent or just got your real estate license, this book will give you an inside view of what to expect in your new line of work.If you are a Real Estate Broker, Owner, Manager, or Staffer, this book can be given to prospective and new real estate agents to help set realistic expectations of their new business venture.If you are a seller or a buyer working with a Real Estate Professional now, or are thinking about it in the future, this book will help you understand how Real Estate Agents work, how they can help you, and what they can't do for you.If you are a seasoned Real Estate Professional, this book can be comic relief. Give a copy to every buyer or seller you work with and transactions will be smoother and your efforts more appreciated.

So ... You Think You Want to Be a Real Estate Agent?

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Author :
Publisher :
ISBN 13 : 9781543963984
Total Pages : 48 pages
Book Rating : 4.9/5 (639 download)

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Book Synopsis So ... You Think You Want to Be a Real Estate Agent? by : Teresa Rogers

Download or read book So ... You Think You Want to Be a Real Estate Agent? written by Teresa Rogers and published by . This book was released on 2019 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: A candid and comical look at the world of the residential real estate agent.

The Millionaire Real Estate Agent

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Author :
Publisher : McGraw Hill Professional
ISBN 13 : 0071502084
Total Pages : 370 pages
Book Rating : 4.0/5 (715 download)

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Book Synopsis The Millionaire Real Estate Agent by : Gary Keller

Download or read book The Millionaire Real Estate Agent written by Gary Keller and published by McGraw Hill Professional. This book was released on 2004-04-01 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: Take your real estate career to the highest level! "Whether you are just getting started or a veteran in the business, The Millionaire Real Estate Agent is the step-by-step handbook for seeking excellence in your profession and in your life." --Mark Victor Hansen, cocreator, #1 New York Times bestselling series Chicken Soup for the Soul "This book presents a new paradigm for real estate and should be required reading for real estate professionals everywhere." --Robert T. Kiyosaki, New York Times bestselling author of Rich Dad, Poor Dad The Millionaire Real Estate Agent explains: Three concepts that drive production Economic, organizational, and lead generation models that are the foundations of any high-achiever's business How to "Earn a Million," "Net a Million," and "Receive a Million" in annual income

The Book of Yes

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Author :
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781523610846
Total Pages : 152 pages
Book Rating : 4.6/5 (18 download)

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Book Synopsis The Book of Yes by : Kevin Ward

Download or read book The Book of Yes written by Kevin Ward and published by Createspace Independent Publishing Platform. This book was released on 2016-01-20 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: In The Book of YES, you will find the most powerful scripts in the real estate industry today. If you're tired of the same old sales scripts or if you've done away with them all together, I know how you feel because I've been there. I was tired of seeing the same B.S.(bad sales) approaches and I wanted something that felt more natural for me. So I started creating my own scripts, for the simple reason that I hated being told, "No." For me nothing was worse than that feeling of rejection. I was determined to figure out the perfect thing to say in every situation, and how to say it in a way that would cause sellers and buyers to want to say "Yes!" to me every time. This book is the result of that quest. And I've broken it in two unique parts so you can spend less time reading it, and more time using the life changing scripts inside. Part 1 will give you the foundation for making the scripts work for you. Not just some of the time, but every time! You'll master how to inspire sellers to say "YES" to you giving you the magic key to unlock the success you want as a real estate agent. Part 2 Is the actual scripts that allow you to have smooth, choreographed conversations that lead you down the path to more success and more income. included in this section are... Prospecting scripts for sellers that lead up to the listing appointment. My unique Listing Presentation Scripts with examples of exactly how to deliver them for maximum impact. The Buyer Scripts that I've personally used for years to build my own real estate business from scratch. The Objection scripts that will show you how to overcome any objection with ease and never be scrambling for words when a client throws you a curveball. In all there are 27 scripts in this book that will show you how to handle any situation, conversation, and objection that might come your way. And each script has been tested, tweaked and perfected. How do I know this? Because I've used each and every one of them to close millions of dollars worth of real estate in my nearly 2 decade career. I've also taken the time to include things I've picked up over my career that will help take you beyond the scripts... How to identify resistance and influence triggers so you can naturally use the right words and phrases that gets more clients saying YES to you. My practice techniques for memorizing and using these scripts to their full impact. You won't just be pulling words from your memory, you'll be speaking from the heart so you come across as genuine. The "tiny tweaks" that turn a regular script into something powerful. These seemingly little differences can have a huge impact in the way a prospect or client responds to what you say. The 9 Keys to more powerful conversations that go way beyond just the words you say to a client. I've mastered all 9 of these techniques and each one has made a huge difference in how I present myself to clients. The Book of YES is an action guide, not a book of theory. Think of it as YOUR PLAY BOOK for the key conversations you have with sellers and buyers. Along with the scripts you will find tactical notes on how to use the script, why it works, and when to modify the script for various situations. This book is not about intimidating your clients to agree with you, it's about inspiring them to say YES. And the more they do, the more abundance and success you will have in your life. The ultimate YES is saying YES to your goals, your dreams and your family so you can create the lifestyle that you want.

So You Think You Want to Sell Real Estate

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Author :
Publisher : AuthorHouse
ISBN 13 : 1452035776
Total Pages : 111 pages
Book Rating : 4.4/5 (52 download)

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Book Synopsis So You Think You Want to Sell Real Estate by : Michelle Overstreet

Download or read book So You Think You Want to Sell Real Estate written by Michelle Overstreet and published by AuthorHouse. This book was released on 2010-03-11 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is designed to give you a realistic idea of the marketing, time and efforts that you will spend learning the real estate business. Youll want to ask questions before choosing an employing broker about their training, marketing and record keeping requirements. Youll come to realize that youll need to spend hours researching what role the title companies play vs. the role of the lender in your real estate transactions. Learn to read a Preliminary Title Report and ask about the prorations of taxes, insurances and interest from the title companies. Ask several lenders about loan programs and ask to sit in while your customer is shopping for their loan. Know the differences and requirements and learn to pre-qualify just by having a conversation with your potential buyer. This book gives several anecdotes as tools of what you might expect when dealing with the emotional aspect of the different personalities including your own reactions. More importantly, this book will give a simple understanding of real day to day experiences and the challenge of being a sales person vs. going out on your own to broker an office and the unlimited income potential real estate has to offer.

So You Think You Want A Website

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Publisher : GoGetRealEstate.com
ISBN 13 : 097894660X
Total Pages : 103 pages
Book Rating : 4.9/5 (789 download)

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Book Synopsis So You Think You Want A Website by : Sharon Hassler

Download or read book So You Think You Want A Website written by Sharon Hassler and published by GoGetRealEstate.com. This book was released on 2006 with total page 103 pages. Available in PDF, EPUB and Kindle. Book excerpt: This step-by-step ebook for do-it-yourself Internet promotion covers these topics and more: Where to find a FREE full-featured real estate website. Why launching a site is just the beginning. Identifying and composing two essential pages. Introduction to domain names, search engine optimization, site submission, generating traffic, keywords and meta tags. The top-placement-on-Google scam. Basics of directories, link exchanges, blogs, forums, free ads, free publicity and more. Dan Gooder Richard, Author of Best Seller, Real Estate RainMaker Guide to Online Marketing, says, Any agent seriously considering a website should start with this book

So you wanna be a Real Estate Super Star?

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Author :
Publisher : Fontaine Press Pty Ltd
ISBN 13 : 1925341275
Total Pages : 135 pages
Book Rating : 4.9/5 (253 download)

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Book Synopsis So you wanna be a Real Estate Super Star? by : Daniel Hayes

Download or read book So you wanna be a Real Estate Super Star? written by Daniel Hayes and published by Fontaine Press Pty Ltd. This book was released on 2015-07-16 with total page 135 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the year 2010 Daniel Hayes earned a personal income of more than $900,000 after only 5 years working in Real Estate. He had never worked in sales anywhere before. He has a year 10 education, lived in a Caravan as a kid, no business degrees and no formal training. He is also a staunch member of Alcoholics Anonymous and got clean and sober on the streets of Sydney at the tender age of 19! This is the story of his journey in Real Estate, the ups and downs the trials and tribulations and there have been plenty of them, from the Number 1 Agent in the State, to various law suites he became entangled in, messy divorce and trying to be a good Father to his two beautiful kids Harry and Daisy, he holds nothing back. Compelling, authentic no bull shit reading.

The Perfect Real Estate Agent

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Author :
Publisher : Echelon Publishing
ISBN 13 :
Total Pages : 145 pages
Book Rating : 4.9/5 (86 download)

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Book Synopsis The Perfect Real Estate Agent by : William Walls

Download or read book The Perfect Real Estate Agent written by William Walls and published by Echelon Publishing. This book was released on 2023-05-18 with total page 145 pages. Available in PDF, EPUB and Kindle. Book excerpt: Eliminate trial and error as your teacher. The Perfect Real Estate Agent is the perfect companion to your state real estate exam study guide. You are learning how to pass your exam, and you can now be ready to do your first deal on day one. This is one of the most useful training books you will ever read about practical real estate. No motivational speeches, just the exact roadmap to eliminating trial and error from your learning experience. Just think. On your first day of practicing real estate, you will know exactly what to do, what to say, and how to make your first deal your best deal. Accountability is the new normal. You must be accountable to yourself and be your own real estate advocate. Get to know what you deserve and are entitled to when dealing with others. This book is for new real estate agents and those considering real estate as a new career. This master class in real estate was written by two real estate professionals and business owners, with over 50 years of combined real estate experience at the highest level. We started from the ground up. No help. Education, years of experience, and trial and error was our teacher. In turn, we have educated many buyers, sellers, and agents over the years. We are in real estate every day, and bring you the insight that only a practicing real estate professional can pass on to another agent. You are going to be surprised on how much there is to learn. We know exactly what it takes and what you need to become successful on day one. No one has ever complained about how quickly they learned. Why does it take new agents years to become top agents? Trial and error. We have now eliminated that learning curve. Becoming a top real estate agent doesn't have to take years. You can now gain the experience and confidence you thought would take years to achieve. Everything we cover you will need on day one as a real estate agent. Get that experience before you ever start. Most real estate agents don't make it because they don't know how to properly prepare. The learning process can take years to learn. Not anymore! We give you the tools to be a top real estate agent before you ever start your first deal. You will learn 75 critical topics BEFORE you ever do your first transaction, which includes: - What you need to set up a monster real estate business - How to properly explain the buying process to your client - How to properly explain the selling process so you can get your first listing - Instant knowledge topics with step-by-step explanations - The first questions you must ask the other professionals around you, plus the answers! Study for your state exam. Read up on practical real estate to eliminate trial and error as your teacher. You will now be all set to start your career with a confidence that you thought would take years to achieve. If you want that edge, you now have a way to achieve it.

Real Estate Agent

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Author :
Publisher : George Tower
ISBN 13 :
Total Pages : 126 pages
Book Rating : 4./5 ( download)

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Book Synopsis Real Estate Agent by : George Tower

Download or read book Real Estate Agent written by George Tower and published by George Tower. This book was released on 2021-06-08 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you desirous of becoming successful as a real estate agent? Are you already in the industry and would like to grow your real estate business? In this book, you will learn amazing lead generating strategies to grow your business. Additionally, the book provides you with the essential quality that all successful real estate agents have that others don't. The author creatively guides you through your journey in self-discovery with the aim of helping you determine your "why?" With well-structured content presented in quick-to-read chapters, the book “Real Estate Agent” shows new and seasoned real estate agents what they need to do daily to succeed. From ways of getting leads and listings to tried-and-true strategies used by real estate experts, readers will get started on the right foot to ramp up in real estate agency. The book shows you how to think big, aim high and act boldly. So as a real estate agent, you can live large professionally. You are presented with strategies to transform your real estate sales job into a million-dollar business. The book explores the models you need to put in place and then shows you step by step how to implement them. The book gives vital guidance on several topics which include: · Legal requirement to become a real estate agent · Laying out the blueprint · Positioning yourself against other agents · Designing the client experience · Sales expertise · Marketing principles · Understanding the facts that control every real estate market. · Sustained business planning · Be available for your clients · Problem solving · Get leads anyway you can · Work your sphere of influence · Track everything in a database Welcome to the world of real estate sales, and the start of an exciting new career as a real estate agent! Your destiny is now in your hands. Along with several amazing opportunities, flexible hours, as well as the freedom to chart your own path, you also have the potential to earn fabulous amounts of money as a real estate agent. This book contains the essential knowledge you need to start off right in today’s vastly changed real estate market, avoid common mistakes, and get the inside edge that will take you to the top. If you're a newer agent, or someone who has hit a roadblock, or desirous of getting to the next level, this book is for you!Don't let this opportunity pass you by. Order for ‘Real Estate Agent’ today and start achieving your greatest goals and biggest dreams!! Are you ready to explore the amazing benefits of this book? Grab your copy now and get started right away!

So You Want To Be In Real Estate

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Author :
Publisher : AuthorHouse
ISBN 13 : 145678675X
Total Pages : 257 pages
Book Rating : 4.4/5 (567 download)

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Book Synopsis So You Want To Be In Real Estate by : David Pilling

Download or read book So You Want To Be In Real Estate written by David Pilling and published by AuthorHouse. This book was released on 2011-09-28 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: So You Want To Be In Real Estate Real Estate Sales is not just another job. As a sales person you can earn a million dollars in two years without any investment or having to own a business. To do this you don’t have to go to university. You don’t have to spend years training. You don’t have to invest money, only your time for which you will be handsomely rewarded. All you have to do is carry out a number of easy-to-do tasks with discipline and dedication. After all, don’t we have to do that in any job? What you do need to do is have the vision to realise that a fabulous income is possible without having to be an extraordinary person. There is a need for you to set your sights high and not simply take it on like any other job paying ordinary wages. This book will tell you how, what and when to do it. If you follow it you to will end up being a real estate millionaire.

Ninja Selling

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Publisher : Greenleaf Book Group
ISBN 13 : 1626342857
Total Pages : 344 pages
Book Rating : 4.6/5 (263 download)

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Book Synopsis Ninja Selling by : Larry Kendall

Download or read book Ninja Selling written by Larry Kendall and published by Greenleaf Book Group. This book was released on 2017-01-03 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: 2018 Axiom Business Book Award Winner, Gold Medal Stop Selling! Start Solving! In Ninja Selling, author Larry Kendall transforms the way readers think about selling. He points out the problems with traditional selling methods and instead offers a science-based selling system that gives predictable results regardless of personality type. Ninja Selling teaches readers how to shift their approach from chasing clients to attracting clients. Readers will learn how to stop selling and start solving by asking the right questions and listening to their clients. ​Ninja Selling is an invaluable step-by-step guide that shows readers how to be more effective in their sales careers and increase their income-per-hour, so that they can lead full lives. Ninja Selling is both a sales platform and a path to personal mastery and life purpose. Followers of the Ninja Selling system say it not only improved their business and their client relationships; it also improved the quality of their lives.

Adventures in Mobile Homes

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Publisher :
ISBN 13 : 9780983949206
Total Pages : 206 pages
Book Rating : 4.9/5 (492 download)

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Book Synopsis Adventures in Mobile Homes by : Rachel Hernandez

Download or read book Adventures in Mobile Homes written by Rachel Hernandez and published by . This book was released on 2012-03-01 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt: Hernandez, a.k.a. Mobile Home Gurl, shares stories and adventures based on her own experiences in mobile home investingNthe obstacles, the struggles, and eventually the triumphs.

YouTube for Real Estate Agents

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Publisher :
ISBN 13 : 9781688409811
Total Pages : 94 pages
Book Rating : 4.4/5 (98 download)

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Book Synopsis YouTube for Real Estate Agents by : Karin Carr

Download or read book YouTube for Real Estate Agents written by Karin Carr and published by . This book was released on 2019-08-24 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn how to attract your ideal clients through video marketing using YouTube.

Super Agent

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Publisher : John Wiley & Sons
ISBN 13 : 1118891791
Total Pages : 359 pages
Book Rating : 4.1/5 (188 download)

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Book Synopsis Super Agent by : Joseph Callaway

Download or read book Super Agent written by Joseph Callaway and published by John Wiley & Sons. This book was released on 2014-03-25 with total page 359 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reading Super Agent is like spending a day with two of the most successful real estate agents in America. Joseph and JoAnn Callaway sell 300 to 500 high-end homes per year. Now they share the secrets of their incredible success. Based on those Callaways’ core concepts of honesty, competence, and caring, Super Agent is filled with practical, money-making advice that will turn beginner and veteran real estate agent alike into a Super Agent. Every chapter is a lesson in the fundamentals of listing and selling more real, including: The five superpowers that make you a super agent The secrets of super time management, how best to use assistants, and how to run a super team The two quick fixes that can double your income overnight without so much as one new client With tested tips and tactics and a unique and positive approach, Super Agent will inspire and propel you to build a steady stream of buyers and sellers, get more listings, and close more deals.

Finance and the Good Society

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Publisher : Princeton University Press
ISBN 13 : 140084617X
Total Pages : 312 pages
Book Rating : 4.4/5 (8 download)

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Book Synopsis Finance and the Good Society by : Robert J. Shiller

Download or read book Finance and the Good Society written by Robert J. Shiller and published by Princeton University Press. This book was released on 2013-04-21 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nobel Prize-winning economist explains why we need to reclaim finance for the common good The reputation of the financial industry could hardly be worse than it is today in the painful aftermath of the 2008 financial crisis. New York Times best-selling economist Robert Shiller is no apologist for the sins of finance—he is probably the only person to have predicted both the stock market bubble of 2000 and the real estate bubble that led up to the subprime mortgage meltdown. But in this important and timely book, Shiller argues that, rather than condemning finance, we need to reclaim it for the common good. He makes a powerful case for recognizing that finance, far from being a parasite on society, is one of the most powerful tools we have for solving our common problems and increasing the general well-being. We need more financial innovation—not less—and finance should play a larger role in helping society achieve its goals. Challenging the public and its leaders to rethink finance and its role in society, Shiller argues that finance should be defined not merely as the manipulation of money or the management of risk but as the stewardship of society's assets. He explains how people in financial careers—from CEO, investment manager, and banker to insurer, lawyer, and regulator—can and do manage, protect, and increase these assets. He describes how finance has historically contributed to the good of society through inventions such as insurance, mortgages, savings accounts, and pensions, and argues that we need to envision new ways to rechannel financial creativity to benefit society as a whole. Ultimately, Shiller shows how society can once again harness the power of finance for the greater good.

Property Agent Secrets

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Author :
Publisher : Yasser Khan
ISBN 13 : 9811454485
Total Pages : 250 pages
Book Rating : 4.8/5 (114 download)

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Book Synopsis Property Agent Secrets by : Yasser Khan

Download or read book Property Agent Secrets written by Yasser Khan and published by Yasser Khan. This book was released on 2020-01-01 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: What Is PropertyAgentSecrets? PropertyAgentSecrets is NOT just another "how to" book on property marketing or motivation. It is NOT about getting more inquiries on your property listings - yet these secrets will help you get exponentially MORE inquiries than you've ever experienced before. It is NOT about increasing your appointments or closings - yet these secrets will increase your appointments and closings exponentially MORE than reposting credits daily on PropertyGuru or online portals ever could. PropertyAgentSecrets is A SHORTCUT. Low inquiries and closings are symptoms of a much greater problem that's a little harder to see (that's the bad news, but a lot easier to fix (that's the good news). Inside you will find the actual playbook we created after running thousands of tests and taking 10 years to perfect what works for real estate agents anywhere. You now have access to all of the Processes, Secrets and Scripts that we used to transform hundreds of property agents' careers and helped free up their time for family, weekends and vacations. "I first approached Yasser in 2017 as I hated Technology & I'm not IT savvy. I found him to be a genuine, caring person who gets real results for his agents. I've been using his system for about a year, and impressively, I have managed to change the way I do business without using any of the old school methods. This is why I NEVER had to chase a single prospect since getting his system, because they came to ME fast and furious. And because of Yasser's highly effective techniques, I managed to SELL 2 landed homes in under 30 DAYS each! I'm very happy. My only regret was that I did not have enough time and manpower to follow up, as I'm very sure I could have sold even MORE homes. This is the only TOTAL system for all property agents in Singapore that I know of. I highly recommend Yasser's system if you hate technology or have no time for Marketing." - FRED TEO, KFPN There is something for EVERYONE: You're thinking of JOINING Real Estate; Once you get your license, this will be the PLAYBOOK and mentoring you need to build and grow your new career the right way by copying the success of those who succeeded before you and avoid the tears, blood and sweat of all those who failed! You're a Part Time Agent; then this book will teach you how to DOUBLE your income fast, kiss that lousy job goodbye and live life on your terms without a boss breathing down your neck! You're a NEW Full Time Agent; then this book will hold you by the hands, step-by-step and show you the PATH to earn a Rewarding Income (and the Respect) doing what you love! You're a SEASONED Veteran; then this book will show what's holding you back & demonstrate what exactly you need to do for a BREAKTHROUGH year and become a Top Producer fast! You're a TOP PRODUCER; then what got you so far will not sustain you here (because, let's be honest, you're not Superhuman). This book will teach you how to hire Team Members and go on to DOMINATE your Marketplace without all of the headaches that come with managing People! Yasser khan was a struggling property agent back in 2008 who transformed his realtor business in only under 11 months to multiple six figures after abandoning all old-school methods. For more than 10 years now, he's been quietly helping Property Agents quadruple their inquiries, appointments and sales by systemising their entire business and by leveraging Marketing, Technology & People.

Ask a Manager

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Author :
Publisher : Ballantine Books
ISBN 13 : 0399181814
Total Pages : 306 pages
Book Rating : 4.3/5 (991 download)

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Book Synopsis Ask a Manager by : Alison Green

Download or read book Ask a Manager written by Alison Green and published by Ballantine Books. This book was released on 2018-05-01 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the creator of the popular website Ask a Manager and New York’s work-advice columnist comes a witty, practical guide to 200 difficult professional conversations—featuring all-new advice! There’s a reason Alison Green has been called “the Dear Abby of the work world.” Ten years as a workplace-advice columnist have taught her that people avoid awkward conversations in the office because they simply don’t know what to say. Thankfully, Green does—and in this incredibly helpful book, she tackles the tough discussions you may need to have during your career. You’ll learn what to say when • coworkers push their work on you—then take credit for it • you accidentally trash-talk someone in an email then hit “reply all” • you’re being micromanaged—or not being managed at all • you catch a colleague in a lie • your boss seems unhappy with your work • your cubemate’s loud speakerphone is making you homicidal • you got drunk at the holiday party Praise for Ask a Manager “A must-read for anyone who works . . . [Alison Green’s] advice boils down to the idea that you should be professional (even when others are not) and that communicating in a straightforward manner with candor and kindness will get you far, no matter where you work.”—Booklist (starred review) “The author’s friendly, warm, no-nonsense writing is a pleasure to read, and her advice can be widely applied to relationships in all areas of readers’ lives. Ideal for anyone new to the job market or new to management, or anyone hoping to improve their work experience.”—Library Journal (starred review) “I am a huge fan of Alison Green’s Ask a Manager column. This book is even better. It teaches us how to deal with many of the most vexing big and little problems in our workplaces—and to do so with grace, confidence, and a sense of humor.”—Robert Sutton, Stanford professor and author of The No Asshole Rule and The Asshole Survival Guide “Ask a Manager is the ultimate playbook for navigating the traditional workforce in a diplomatic but firm way.”—Erin Lowry, author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together