Our Life Experiences Shape Our Work Ethic

Mortgage and Lending with George Souto NMLS #65149 FHA, CHFA, VA Mortgages NMLS #65149

This month Carol Williams and Anna Banana Kruchten are co-hosting the February 2022 ActiveRain Contest titled "What's Your Story".  It has been a while since I blogged anything about my past, so this seemed like a good time to share some of my personal and professional life story.

My first entry was about my personal life titled "Our Life Experiences Shape Who We Are".  This second blog is about how my life experiences have shaped my professional life.

I have been in sales for 46 years, and during that time I have had three different careers in sales.  The shortest was my first sales experience working for John Hancock Life Insurance, selling life insurance, casualty insurance (home & auto), and mutual funds.  I did this for about 3 years, and I was what was referred to as a Debit Salesman.  What that means is I went each week to the homes of my clients to collect their weekly payment on their life insurance.  These polices sold for less than $1 per week, and the policy holders would add on small amounts of life insurance at a time.  I was able to get the job because I spoke Portuguese, and the area I covered was predominantly Portuguese speaking people.  The area (Debit) I covered was very small, so my growth potential was very limited both in income, and advancement.

The second was in Industrial Sales selling material handling equipment.  This was my longest sales career, and lasted 26 years. It was also the easiest of the three careers.  It mainly involved selling to manufacturers, and warehouses, which topically work Monday through Friday 8 to 5.  So no late night or weekend calls.  Also in this type of sales I was not asking the clients I was calling on to spend their own money,  they  were spending the companies money.   Selling material handling equipment involved selling pretty much anything that involved storing or moving materials.  So I sold conveyor systems, lifts, heavy duty racks, shelving, hand trucks, work benches, pallet trucks, storage bins, and all other similar items.  Very often it required me to engineer the systems I was selling, doing drawings of, and overseeing the installation.   The company I worked for also had a catalogue and sold material handling equipment all over the country.   I enjoyed doing this, but after 26 years, and was very good at what I did.  But the owner of the company wanted to retire, and was negotiating with an out of state company to sell the business to.  The other company had their own sales staff, and was only interested in the catalogue side of the business.  So the handwriting was on the wall, and it was time to move on.

The third is in the Lending Industry which is what I have been presently doing for the last 17 1/2 years.  During this time I have been a Loan Originator, Producing Sales Manager, and Producing Branch Manager.  I enjoy working with first time homebuyers, and helping them achieve the dream of home ownership.  The other thing I have enjoyed during this time, and have been blessed with is the professional and personal relationships I have made during this time.  The hours are long, and the challenges are many.  But the smiles on the faces of my borrowers when a loan closes is priceless.  Those smiles make all the hours and challenges worth it.

I feel I have been successful during my 46 year sales career, and I attribute my success to the values and work ethic my parents instilled in me from a very young age.  Not only has the wisdom of their advice guided me, but more importantly the example they set through their actions.

My parents were not afraid to do whatever it took to create a better life for their children.  They were willing to sacrifice everything they had, so myself and my brothers and sisters could have a better life.  They demonstrated that by leaving everything they had behind in 1960, boarding a plane to Boston, MA with 4 very young kids.  They work long hours as factory workers for minimum wage, and doing without a lot so they could provide a better life, not for themselves, but for me and my brothers, and sisters.

This in turn required myself and brothers and sisters to grow up and take on responsibilities most children our age were not challenged with at a very young age.  But these early life challenges taught us to value what we had, and to realize advancement in life requires hard work, personal sacrifice, responsibility, and commitment.  They taught us if we wanted something we needed to work for it, and not wait for others to give it to us.  Those values have followed me throughout my life, and are implanted in me today more so than every before.  My parents not only provided for all the needs of myself and my brothers and sisters, but they more importantly taught us how to provide for those needs as well.  I may not be rich in material things, but I am very rich in something far more valuable.

There are a lot of gaps in the two blogs I have written, and maybe someday I will fill in some of those gaps.  But for now I hope these two blogs have show those who have read them a little more insight into my past and who I am.


Posted by

George Souto
NMLS# 65149

C (860) 573-1308
CALL 7 Days/Wk
Fax (860) 760-6891

Email Me
About Me
My Blog

I am a Mortgage Loan Officer who can assist you with all your mortgage & refinancing needs in
CT, RI, MA, NH, and a FL Licensed Lender

I can assist you with your Conventional,
FHA, CHFA, VA, USDA, & 203K loan programs.

I reside in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Haddam. E. Haddam, Higganum, Chester, Essex, Deep River.


Comments (18)

Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

Hi George  great post.  Your parents really did give you an 'work ethic' and it stays with you to this day.  It was interesting hearing more details of your careers.  And I so agree - the smiles make all the long hours and dedication so worth it!  Thanks for your 2nd entry to the February contest!

Feb 25, 2022 02:53 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Hi George:

I really enjoyed reading about your professional life and how you got to where you are today. Your parents and your early years were clearly a huge influence on your work ethic and achievements! Keep smiling!

Have a great weekend!


Feb 25, 2022 04:32 PM
John Pusa
Berkshire Hathaway Home Services Crest - Glendale, CA
Your All Time Realtor With Exceptional Service

Hello George Souto very true, great post on our life experiences shape our work ethic. You grew up with excellent ethics.

Feb 25, 2022 04:38 PM
Ed (Edward) Silva, 203-206-0754
Mapleridge Realty, CT 203-206-0754 - Waterbury, CT
Central CT Real Estate Broker Serving all equally

A strong work ethic and caring for the clients goes far in any business.  A very successful career so far

Feb 25, 2022 05:31 PM
Kathy Streib
Cypress, TX
Home Stager/Redesign

Hi George- from your posts, it has been easy for me to see the very strong work ethic and life code that your parents gave you!!!!  Your wealth likes in your family and the life you've built. 

Feb 25, 2022 05:45 PM
Myrl Jeffcoat
Sacramento, CA
Greater Sacramento Realtor - Retired

I agree with you about life experiences and work ethic.  In my beginning years of real estate, I was also an insurance agent.  I sold mostly property insurance.  During those years I was at my busiest with real estate, and eventually, let the insurance part of my business life, lapse.  I often wonder if that was a big mistake.  After all, the renewal business could have been built upon.

Feb 25, 2022 07:32 PM
Myrl Jeffcoat
Sacramento, CA
Greater Sacramento Realtor - Retired

CONGRATULATIONS George, on having this blog FEATURED in the Old Farts Club group!  

Feb 25, 2022 07:33 PM
Hannah Williams
HomeStarr Realty - Philadelphia, PA
Expertise NE Philadelphia & Bucks 215-820-3376

George Souto  No one ever promised you a rose garden. That was something my father used to say to me    If we wanted one we had to work for it , grow it and cultivate it. He had a beautiful rose garden. Love your post 

Feb 25, 2022 07:43 PM
Endre Barath, Jr.
Berkshire Hathaway HomeServices California Properties - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

George I loved this post indeed the Work Ethic comes seeing how our parents behaved and reacted to adversity, I am so with you on this no wonder we are friends and so glad we met in Boston a hundred years ago, Endre

Feb 25, 2022 10:46 PM
Kat Palmiotti
406-270-3667, kat@thehousekat.com, Broker/REALTOR® - Kalispell, MT
Helping your Montana dreams take root

Your parents gave you many skills that have helped you in many areas of your life. Kudos to them! And thank you for sharing your career history as well. It's interesting the different things we try and the reasons we move to something else. Good for you for seeing the writing on the wall with career #2!

Feb 26, 2022 05:09 AM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Good morning George. Those who are gifted with parents who taught them a solid work k ethic early in life always seem to have the most siolid of foundations to pursue a career. Enjoy your day!

Feb 26, 2022 05:40 AM
Patricia Feager, MBA, CRS, GRI,MRP
Selling Homes Changing Lives

George Souto - What a brave move your young parents did and with that paradigm shift, you and your siblings learned the values by living examples from your parent's  sacrifices for their children to give them a better life. Today, you continued to give your clients a better life too with new beginnings!

In the beginning, it must have been challenging to learn a new language, the culture and still retain the family values. You always have and always will be a good listener and a great resource/helper to people wanting to buy real estate. Now, I know what you are, George you are an extraordinary man. Your principles and values have led to a better life for all! No one knows better than you, how leaving everything behind, and paying your debts to society through hard work, paying bills on time, and starting over can be a blessing in disguise. I'm proud to know you George!

Feb 26, 2022 05:53 AM
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Hello George - I remember as a child thinking of forty-six as a faraway number when it came to years but then it seemed to have become much more common.  Almost like a blink of the eye.  Thanks for sharing your story.  

Feb 26, 2022 06:09 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Good morning, George... you've said it all in this sentence, because this was how I was raised as well:

 But these early life challenges taught us to value what we had, and to realize advancement in life requires hard work, personal sacrifice, responsibility, and commitment.  They taught us if we wanted something we needed to work for it, and not wait for others to give it to us.

Feb 26, 2022 06:33 AM
Ann Hayden 636-399-7544
Berkshire Hathaway HomeServices Select Properties-St. Louis Missouri - Des Peres, MO

Hi George,

You are an inspiration!  :-)


Feb 26, 2022 03:21 PM
Carol Williams
Although I'm retired, I love sharing my knowledge and learning from other real estate industry professionals. - Wenatchee, WA
Retired Agent / Broker / Prop. Mgr, Wenatchee, WA

Hi George,
If I am reading between the lines you are grateful for the challenges of growing up because it taught you so many valuable lessons and, in the end, is making your life better.  As I look back, I know I'm grateful for being able to use diversity to my advantage.  Thanks so much for sharing your stories with us!

Feb 27, 2022 10:21 AM
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

George - ah yes work ethic, you and I and many on this platform know what that means.  Our parents did the right thing when they trained us by example.  The schools are important but the parents make the difference.

Feb 28, 2022 12:45 PM
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Thank you everyone for all your comments and very kind words.

Mar 03, 2022 04:21 PM