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Good thoughts!! As the kids head off to school we are trying to teach my 9th grader the imortant aspects of goal-setting and organization. He dreads this but we know on a personal and professional level that creating realistic goals is how we move forward. In this market and economy is it unrealistic to close 2 to 3 loans per month? Mortgage conditions change everyday that reflect changes in our professional goals but home buyers and sellers are still out there and need us as positive reinforcement to help them achieve their goals. Even changing your goals monthy is OK and part of my web site blog is to keep developing a positive attitude and learn how to change with your circumstances. Homes still are bought and sold and people still need Mortgages.