Ever Try and Cut Hair over the Phone?

I know we have had an ongoing discussion about doing loans out of state.  I know many of you do them and do them very well.  I happen to disagree and we left it at that.  You do your thing and I'll do mine  BUT, I was watching TV out of the corner of my eye and reading David Halbertstam's book "The Coldest Winter"  ( Excellent  history of the Korean War and for those interested I highly recommend it), when I saw this ad.  I am not even sure who it is for but I believe it is either a Charles Schwab or Edward Jones ad or at least some financial advisor.

 

Ad shows picture of Dr in scrubs leaning up against a wall talking on cell and you can here him say "Make a 3 inch vertical incision between the 3rd and 5th ventricle then................. Fade to picture of guy sitting at kitchen table with butter knife in hand and looking almost sick.  He says "Shouldn't we be doing something this important face to face?"

 

If I were able to drink coffee I would have spewed it all over my bed as I laughed so hard.  I do think this is the kind of decision that needs to be done face to face but will leave it at that.  You guys continue to do it your way and I will continue to do it mine.

 

On a new subject, My Dr says that I have healed enough now that she can put in my artificial throat in preparation for my being able to eat and speak again.  On Wed next week she will do this operation and I will have about 2 weeks recuperation and she will send me home for 6 weeks before she can put in the artificial voice box.  It does appear that there finally is light at the end of this year long tunnel.  It all began with a CAT scan on Oct 13th last year.  Thanks in advance for your many kind words, thoughts and prayers.

 

Good Luck, Good Lending and Aloha.

 

 

 
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36 Comments on Ever Try and Cut Hair over the Phone?

Bruce - you make an excellent point. To me its like buying real estate sight unseen. It has only happened to me once because I always push for people to come and then if they refuse, I make them sign their lives away in terms of agreeing it was against my advice!

On more important matters, I wish you well in your continued progress towards full recovery.

10/06/2007 05:33 PM by Simon Conway (Picket Fence Realty)


HI Simon -  Thanks for your wonderful thoughts.  This is a real hot button item on this web site and you will see plenty of people respond to this by trelling you how much better they can do the job from across the country than you can from across the street.  It is a fun argument and worth pusuing for the entertainment value if nothing else.  Aloha

10/06/2007 05:40 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Aloha to you too. I was in Hawaii in March and I just said to my wife today as I jingled her shell Lai that she has over her car rear view mirror "I want to go back". She says "two weeks". I said "two months"!

Well when I get bored I'll blog on the subject and look for the fireworks!

10/06/2007 05:45 PM by Simon Conway (Picket Fence Realty)


Hi Simon -- Come on over we are always looking for good loan officers.  Our avg loan amt is about %350,000.  Aloha

10/06/2007 05:48 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Hi Bruce,
I've seen that ad and it is funny.   I know you are looking forward to getting home and then getting on with the procedures in due order.  It is wonderful to have you back.  I missed you.

10/06/2007 05:54 PM by Cynthia Tilghman, Realtor® Onslow County NC Home Specialist (Kingsbridge Realty, Inc)


Hi Cynthia -- Thanks so much but if this ad does not make the point I do not know what will.   Aloha

10/06/2007 05:58 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Bruce,

Love your sentiment...."agree to disagree" that is the mark of maturity.....not saying you're old, just :) :) Perfect message......and good luck next week.

10/06/2007 05:59 PM by Kathy McGraw ~ Calif Broker (CELLing Realty)


Hey Bruce,

Glad to see you are doing well.    HHmmmm, artificial throat, never heard of that before, good luck. I guess until you get the artificial voice box, you will just have to use hand signals. Good luck in your future operations.

Sean Allen

10/06/2007 06:00 PM by International Financing Solutions / Mortgage Professionals


Bruce,

I'm not an expert at it but I think when they are out of town they can't "feel" the area. I'm not really sure but one can only know:)

Hope you are feeling better these days!

10/06/2007 06:15 PM by Neal Bloom-Realtor ® Assoc.-CRS-Weston FL (RE/MAX Premier Associates)


Aloha Bruce glad to hear your are recovering.  Do you get to select a voice with that new voice box?

10/06/2007 06:18 PM by Randy L. Prothero - Hawaii REALTOR® (Century 21 Liberty Homes)


The out of state lender issue created a brick wall for a transaction- they sent an appraiser from a different part of Long Island (rather than local) and, from their California offices, decided that the appraisal was spot on.  It's about 70k too high.  The house is foreclosing; the owner is selling oil out of the tank; it sat on the market at a price well below the appraisal for over a year and three agents...but, they know best.  Hey!  Having your keyboard is going to be such a help with communicating until the VB is in- the beauty of innovation.  Another great post- thanks. 

10/06/2007 06:20 PM by Options Realty


love the ad and it's a good point. remember all real estate is local.

good luck with the new pipes-more prayers coming your way.

 

ps we got a haircut on one of our lines 6-8 weeks ago via fax. didn't enjoy it much. 

10/06/2007 06:22 PM by Jay Beckingham (Allied Home Mortgage Capital Corp.)


Hi Randy -- My Dr says I will be a cross between the AOL guy "You have Mail" and my old voice.  Should be a wonderful voice with which to do loans.  LOL  B

Hi Neal -- You are right but thre guys that claim they do it all the time and do it better than we do are really adamant about it so I just let it be.  Aloha

Sean -- Unfortunately I have to carry a little steno pad so that I can comunicate but only for a little while longer.  Aloha

Hi Kathy-- It is really only way to get out of a winless argument without causing too many hard feelings.  Aloha 

10/06/2007 06:24 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Hi Jay -- I know the kind of haircut you are talking about and they are always painful.  They will take a graft off my thigh to buid a wind pipe.  They wanted to take it off my butt and I refused as then I would always be talking out of my butt!!!!!   Aloha  B

10/06/2007 06:28 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


That sounds like a good voice.  I am sure you are excited to get out of the hospital.

10/06/2007 06:34 PM by Randy L. Prothero - Hawaii REALTOR® (Century 21 Liberty Homes)


Aloha Bruce,

They haven't removed your sense of humor!  We are keeping you in our thoughts and prayers.  Get well soon!

Your friends on the Pacific,

 

Steven Simmons & Marti Schmidt, Realtors, Prudential GHP, beautiful Ocean Shores, WA.

10/06/2007 06:37 PM by Steven Simmons & Marti Schmidt, REALTORS®, Ocean Shores, WA. (Prudential Grays Harbor Properties)


Bruce, I'm so glad to hear the good news and it seems you've gotten back to your old self again! We missed you! Looking forward to our Loco Moco/Hot Dog/AR date!

10/06/2007 07:54 PM by Lysa Napolitano, Call Coordinator ~ Century 21 Sundance (Century 21 Sundance)


Bruce, I do like that commercial.   But I love your good news!  I'll be thinking of you on Wed.

10/06/2007 08:15 PM by Judi Morgan, San Antonio, TX Real Estate (Coldwell Banker D'Ann Harper, Realtors)


Do me a favor...don't keep repeating "you have mail"...please!  lol!  And thanks for the financial / doctor chuckle...hehe.

10/06/2007 08:17 PM by Celeste "SALLY" Cheeseman (RA), Hawaii Real Estate & Hawaii Relocation (Century 21 Liberty Homes -Mililani, Hawaii)


Bruce,

Glad to hear you are doing better!! Keep us posted!

10/06/2007 08:23 PM by Christopher Pike, REALTOR®_803-727-7800 (Keller Williams® Realty)


I love thosecommercials I think they are so funny.

Glad to hear you doing better.

10/06/2007 09:59 PM by Vicki Bishop - Alabama Real Estate (Coldwell Banker United Realtors®)


Get Well, Bruce.  i thought the very same way you do until...

I learned how to use technology to meet "face to Face" across the globe.   It has served my busy clientele, well. 

 

10/07/2007 01:03 AM by America's #1 Mortgage Broker


bruce,

still got that sense of humor. that's a good thing. 

10/07/2007 10:21 AM by Jay Beckingham (Allied Home Mortgage Capital Corp.)


Hi All -- Thanks so much for your comments and thoughts and prayers.  The plastic surgeon was just in to talk to me and this rather simpole operation will take another 8-12 hours on the table.  Phew will I be glad when this is all over.  I muct admit it is somewhat unnerving.  Thanks again for all of your comments and thoughts and prayers.  I appreciate them so much.  Aloha   B

10/07/2007 06:24 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Bruce - We'll all be thinking of you and sending good intentions and prayers your way. I'm going to include you in our office prayer before the sales meeting on Wednesday - Aloha!

10/07/2007 09:01 PM by Chrissy Harrison (ERA Tradewind Real Estate)


Bruce - I've yet to comment on any of your blogs but this one definitely got my attention!  I'm not in Hawaii but I am in Alaska and we get the same problems with most out of state lenders.  I think I had two since 1999 go off without a hitch so I know what you are talking about.

Anyway, I've been learning to get a little history on a writer before I shoot off my big mouth so I've spent about 45 minutes reading some of your blogs.  I wanted to add that I hope your recovery continues.  You seem like the kind of guy who's going to try and jump in the deep end with both feet but please be careful.  Take care of yourself.  You have good people by your side with Randy and Sally.  Let your friends be there for you and you'll be in my thoughts as well.

10/08/2007 01:41 AM by Debbie White, RE/MAX of Juneau, Alaska (RE/MAX of Juneau)


Hi Bruce!

First and foremost, best wishes on a safe and speedy procedure and recovery. Will definetly say some prayers for you my friend.

Secondly, LOVE your post and sense of humor. Great point...and well said!

All the best,

Beth Patnode

10/08/2007 09:07 AM by Beth Patnode, Minnesota Home Staging Firm (LH2 Home Staging ~ Minnesota's Top Professional Home Stagers)


Hi Chrissy  -- You will never know how much I appreciate your prayers.  Please tell every one in your office how much I cherish their prayers.   Aloha

 

 

 

10/08/2007 06:31 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Hi Bob and Carolin and Beth -- Thanks so much for your thoughts and prayers.  I appreciate them so much.  Aloha

10/08/2007 06:34 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Hi Debbie--- Thanks for your comments.  Are you a Chacheeko?  I am not.  I spent two winters at Ft Wainwright in 69 and 70 and loved it.  I even considered retiring up there but in the end the trade winds and golf courses were to much of a draw, but in my heart I am an adopted son.  You are so right about Randy and Sally and when I am out ot the hospital adn working I talk to them in person about twice a week, and look forward to doing it again soon.  Aloha and come visit.  B

10/08/2007 06:39 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


Bruce - I've been in Alaska most of my life.  However, I live in Southeast where it's rainy and mild.  I'm a big sissy when it comes to the true cold but I've learned to dress for it.  You take care and we hope you are chowing down on hot dogs really soon.  I will abstain from hot dogs in your honor until the day you tell me you got to have one.

10/08/2007 06:45 PM by Debbie White, RE/MAX of Juneau, Alaska (RE/MAX of Juneau)


Hi Debbie -- Thanks so much.  This operation I am having on Wed is to reinstate my food passage way.  I should be able to eat a hot dog by Christmas or so but I will let every one know. 

I do not know if you have been north of the range in the winter but if not it is certainly worth the trip.  It is such a beautiful place.  Aloha

10/08/2007 06:49 PM by Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)


I can't agree more. My experience has been that loans run smoother if they are with a local LO. I know the commercial you referenced. It gives me a giggle every time I see it.

It's good yo hear about your progress. God bless.

10/10/2007 05:54 AM by Rosario Lewis ~ DDR Realty, Orange County, NY (DDR Realty)


Prayers your way! Keep moving along! and soon you will be able to eat a tomatillo!

10/11/2007 09:03 PM by Mary Bigelow, Renewing Your Life! (Contractors Building Supply/Vandyke Mortgage)


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Loan Officer: Bruce Bourgault, Vice President, Mpro (Central Pacific Home Loans)
Bruce Bourgault, Vice President, Mpro
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