house 4

McGrath & Associates’ $2,495 full-service flat-fee program

House 1McGrath & Associates’ $2,495
full-service flat-fee program continues to provide smart home sellers with an affordable

1965 Taramea Lane Ceres

Mr. Jones of 1965 Taramea Lane, Ceres, sold his property for $17,000 over the asking price and
saved thousands off traditional real estate commissions using McGrath & Associates $2,495 flat-fee,
full-service program. Guaranteed savings.

According to Dr. Rick McGrath, Ph.D., Realtor broker-owner, technology has revolutionized the cost of selling your property. Now, it is possible for home sellers to save thousands of dollars using an affordable and much more sensible full-service $2,495 flat-fee program that saves thousands of dollars off traditional real estate commissions.

hand complete puzzle home as concept

Rick McGrath will solved your “Home Seller” puzzle

Home sellers traditionally depend on Realtors to list their homes for a hefty commission because they control access to the MLS. Now, thanks to growing technology, the Internet has developed platforms open to public viewing. Now, every prospective home-buyer, every investor and every real estate agent gets instant notification of properties listed.

Technology has changed the way we book our vacations, hotels and airline tickets.

“The future of selling real estate is no different and that future is here,” says McGrath. “For years, large brick and mortar real estate firms have enjoyed making their fortunes off the hard-earned equity of home-owners. They want you to believe that you need to pay huge commissions to get the exposure you need and negotiate for top dollar.

Gold Key With Welcome Home Text As Symbol For Property And Ownership

Gold Key With Welcome Home According to Rick McGrath

“That is nothing further from the truth. Once your listing is submitted to the MLS and our syndicated website, every licensed agent, prospective buyer and investor will see it. In today’s Internet world, the size of the real estate company doesn’t matter. The only question is how much will it cost for the same results? You can pay 6 percent, 5 percent, or even 4 percent, but why? There is no sense in paying so much when there is a more affordable alternative available.

“The current real estate market is on fire and often properties sell within a few days, many getting multiple offers. Sellers now have an opportunity to cash in on their hard-earned equity and save thousands of dollars using our $2,495 flat-fee pro-gram,” says McGrath.

“Home sellers routinely wonder, ‘Why do I have to pay twice as much as the person who has a $100,000 home? They pay $6,000 but because I have a $200,000 property, Realtors want to charge me $12,000. Realtors spend the same amount of time on both properties.’ We believe these home sellers have a valid concern,” says McGrath. There is no reason for home sellers to have to pay more than they should.

Coins Around House Shows Home Savings Or Construction Business

For anyone thinking of selling, it’s important to price you property within market value.

“The typical real estate agent spends approximately six hours, start to finish, with each home seller or buyer,” McGrath says.

“When you put that into perspective based on an hourly rate, we can understand why home sellers feel like they’re being taken advantage of. There are hundreds of homeowners who would like to sell and move but they just don’t have enough equity, especially when they have to pay such high commission rates to sell their property.”

Each month dozens of proper-ties go unsold because homeowners have to list well above market value, hoping to cover the costs needed to move and pay the real estate agent. This is why McGrath & Associates has taken technology to the next level by developing its full-service, flat-fee program for an affordable $2,495.

“This isn’t a For Sale by Owner or discount program. Though we do offer a For Sale By Owner program for $1,495,” says McGrath. “Unlike other real estate companies, we are committed to giving each home seller everyday advertising in the Modesto Bee until the property is sold. Each property is listed on our syndicated Web site that publishes to,,,,

Yahoo, Google real estate and

many others.

McGrath & Associates cooper-ate with other real estate compa-nies as often as possible, listing properties on the local MLS for as little as 2 percent commission. This provides even more expo-sure and ensures home sellers get the most for their property. When we bring the buyer, the seller only pays a $2,495 flat-fee plus ordinary seller closing costs associated with selling property.

“We handle all the negotiations to make sure our clients get top dollar and handle all the required paperwork and duties common to Realtors from start to finish, McGrath says. “Everyone pays the same amount.”

These home sellers will save thousands:

A 3804 Argonaut, Modesto, saved thousands off traditional commissions.3804 Argonaut Modesto Pool

A 1615 Flower Garden, Ceres, saved thousands off traditional commissions.1615 Flower Garden Ct Ceres, CA

A 242 Scarlet, Patterson, saved thousands off traditional commissions.242 Scarlet Patterson CA balcony view

For those who have tried to sell in the past 12 months and beyond, properties may have gone unsold because the asking

price was in excess of market value.

“This is the perfect program that just might make all the difference in the world. The market is very hot right now and proper-ties are selling for top dollar,” says McGrath.

For anyone thinking of selling, it’s important to price your property within market value.

“Overpricing your property will cause you to miss out on the ‘newness’ that occurs within the first few weeks properties come on the market. Buyers tend to look at what is just listed and forget what is still left on the market, chasing the next ‘just listed’ property,” says McGrath. “If you’re looking for an easier way to sell your home and save thousands of dollars, then it’s time to put our plan to work.”

Dozens of home sellers saved thousands of dollars in 2014 using McGrath’s services.

To discover how much you can save, call on McGrath & Associates today. Visit the website at: or call direct at (209) 996-3396. You can also call a freeprerecorded hotline at 1 (800) 388-9960 ext. 9113. Up to 40% Off on Accessories – Security & Surveillance with free shipping and No Tax!!!

CA Lic. No. 01116303



ROBIN TROWER 6 19 2015 GETTING INTO ITConsider this...  By Mike Johnson


I’ve long since forgiven Mrs. O’Brien.

As the sixth grade orchestra teacher, it was her job to recruit a full complement of string instrument players for the Cedar Manor Elementary School Orchestra.

And a fine job she was doing too, with the exception of cello. Try as she might, each one-on-one conference with the 12-year-old students in our class left her with yet another violinist. A few had chosen viola. Two of the cooler kids had picked bass. By the time she got to me, she was desperately twisting arms for cello.

I went down like a music stand pushed into an orchestra pit.

Never mind that the instrument was taller than I was. Never mind that I was a “walker” and would have to carry the thing nine blocks home and back every weekend. The only thing that mattered was I hadn’t yet decided which instrument I wanted to play and Mrs. O’Brien was going to help me make the choice.

Cedar Manor got their cellist.

Six years later, after hating the instrument for all but the first five minutes, I finally hung up my last rosined bow.

Had I given the matter any thought, I would’ve chosen guitar or banjo or even harmonica. Something that was more portable, with a wider range of entertainment possibilities. Something I would use my entire life. But with the passage of each year, it was harder and harder to quit that cello. All that time invested! You don’t want to waste all that time you’ve already spent do you?

Looking back on it now, Mrs. O’Brien looks pretty darn self-centered pushing a four foot kid into a five foot instrument. She had me by authority, by age, by experience, and by size.

But even so, knowing what I wanted would’ve been the only defense I’d have needed to prevent accepting what I didn’t want. Knowing nothing, I took anything. And hung on.

She may have severely miscast me in my string assignment. And she certainly failed in her efforts to make me an accomplished cellist. But she did succeed famously in an area she’d never intended.

Six years of dragging that cello around helped crystallize knowledge that was useful for the rest of my life: If we’re not clearly focused on our own goals, we’re easy prey for others eager to recruit us for theirs.

Years later, it’s easy to recognize Mrs. O’Briens everywhere. They’re in employers. In friends. In family. They may mean well when they push us to do this and that, but anyone who pushes isn’t really interested in what we want. They’re using us to get what they want.

And when we find ourselves face to face with them, we have but one defense – (short of hitting them with a cello) and that’s having a clear vision of what WE want. Once we’ve tuned our ear to that melody, the Mrs. O’Briens lose their power over us.

25 years later, it turns out that Mrs. O’Brien did succeed with her music lessons. Not through offering an instrument – but by becoming one. She became the instrument through which I would learn one of life’s greatest truths: The only music worth playing is the music that plays in our hearts.

Everything else is just a cello.


Learn more about Mike’s offerings at

Picture is of Robin Trower performing at the Merced Theatre. 

Robin Leonard Trower is an English rock guitarist and vocalist who achieved success with Procol Harum during the 1960s, and then again as the bandleader of his own power trio. Trower was born in Catford, London but grew up in Southend-on-Sea, Essex. Playing the “Right Instrument”!

business woman

Common Mistakes Small Business Owners Make

Common Mistakes Small Business Owners Make

After working with more than 450 small businesses in the past four years, I’ve spent a lot of time watching them succeed, and fail. I’ve analyzed what they’ve done, how they’ve built, how they’ve shrunk, how they’ve overcome and how they’ve gone under. Now it’s my mission to change the statistic and give the small business owners the tools and training they need to build their business into the success they are dreaming of. To that end, today I’m going to talk about four common mistakes I’ve seen over and over again that have set businesses up for failure so you can learn to avoid them!

1) Not tracking.
Again and again I’ve seen business owners not track things properly. It’s not the most glamorous part of a business owner’s job description, but it is vital to success. If you don’t know your numbers, you can’t improve them. So many owners forget to track numbers religiously and I’m not just talking about sales numbers – although those are important too. Numbers such as how many hours you’ve worked on your business versus in your business, numbers such as turn-over, average revenue per customer, hours worked total per week, etc.
This is one of the number one reasons I’ve seen businesses go out of business! Get help, get it done.

Business tracking
2) Marketing without a plan.
Every business owner knows that they need to market. They all also know the quote about not knowing which half of the marketing doesn’t work. So there’s this assumption that the marketing is just dollars to be thrown away. So business owners try and pick and choose which options sound best and despise when sales reps try and steal their money. And yet they know they need to market, so they keep trying more stuff.
There’s two big problems that business owners ignore. One that marketing should be done with a plan and you should NOT vary from your plan. The plan isn’t cut and dry, but it should have specific routes of marketing to use and not vary from those. If radio advertising isn’t in your plan, and you haven’t put together a plan that will complement it, then now is not the right time to jump on that great sale. Wait until the rest of your marketing will complement. But if your plan does include online marketing, adding additional social media marketing isn’t a bad idea!
Second, business owners forget that their marketing is only as good as the business it promotes. Time and time again I’ve seen business owners blame their marketing for not working when the truth is that their team is not taking advantage of the leads being generated by the marketing and turning them into the sales that the business needs to succeed. Why? Because no one will sell for the business like you will! So you have to train them which leads to….
3) Putting Marketing Before Sales.
No matter your industry, you and your team need to be good at sales. And somehow this gets massively overlooked. There’s an assumption that your employees will be at least somewhat as interested in closing sales for your business as you are and so often, they don’t even know what to do to help make sure the most sales get closed for the business. Investing in sales training for you and your business is overlooked, and one of the most important pieces on this list.
4) Not Staying Focused on Education.
Small business owners are busy. When I say busy, I mean that they take busy to a whole new level. The dedicated business owner is often working from the moment they wake till late, late at night. They spend hours and hours working in the business and delivering service, then they go home and run numbers and fall into bed wondering why this business isn’t panning out like they expected.Stephanie S quote
Small to medium sized business owners rarely take time to continue their education – they don’t have the time to spare. But the vast majority of the millionaires in the world and almost every CEO for the top companies openly discusses the books that they read and the seminars they attend and the coaches they choose.
Why do small business owners seem to think that they can attain the same level without doing the same thing?

After all these years, I look forward to making a difference, for changing the statistic for small businesses that go out of business. If you’d like to learn more, you can check out my blog at, following me on facebook at or Twitter at and if you’d like to have a conversation about growing your business or anything I talked about inside this blog, feel free to reach out to me at I look forward to talking with you.

Stephanie Scheller is the #1 best selling author of the book Friend Power: How the Friends You Choose Can Change Your Life (Available on Amazon at She is also a speaker, a sales trainer and a business, sales & marketing coach located in San Antonio, TX. She spends her spare time painting, practicing taekwondo, hanging out with her incredible fiancé or with her longtime love, her horse ShaazamStephanies Horse

What to Do When You Get Stuck In Your Project!

Maura logo

What to Do When You Get Stuck In Your Project!

Stuck In Your Project?

Do you ever get in a stuck place with your writing or creative project? I have and I know it is a natural part of the creative process. Yes, it can be uncomfortable, but I believe honoring our process supports the actual work and makes for better final product. I have experienced this at work in both my visual and my written art. Getting stuck usually shows up when I don’t like something, when something feels off or missing. When I was writing The Curious Magic of Buckeye Groves. I got stuck after writing thirty pages. At that point, I was bored with the story – something was missing and I was unclear what it was, therefore I began feeling completely uninspired. I actually set the project aside and started working on another story. Eventually a solution spontaneously arose and I was re-inspired and started working on it again, this time completely in the flow. I spoke with another author about this and she told me she often used the same tactic. I have heard of people who set aside a story for years before coming back to it. I think the key is letting go – a form of non-attachment which creates space for solutions to arise from our subconscious. Sometimes pushing too hard can get in the way.

There have been other times when I pushed myself through my resistance. Sometimes resistance is just resistance. Listening to music helps and so do walks in nature or sitting with trees. Creation is a very intuitive process and it is important to be attuned to the messages that come through and to trust myself.

Creative projects can be much like giving birth, there are moments when we breath and moments when we push. If you haven’t finished projects in the past, that is not a prescription for what will happen with your next one. The past is not a predictor of the future. Examine your beliefs about finishing projects and look at any limits you are putting on yourself. You may be pressuring yourself in ways that are not helpful.

Stuck in your project?  Here are a variety of tips for approaching and/or overcoming the block:

  • Don’t judge your block. Get curious about it. Visualize – how does that block show up in your body? Can you find a metaphor to describe it?  What does the metaphor say about your block? This can be a powerful way to get under the surface to understand what is really going on.
  • Re-examine your commitment and purpose. What was your original motive for this project? Is that still true? What is important to you about this project now?
  • Examine your output goals? Are you beating yourself up over unrealistic goals? Our inner critics tend to get in our way and de-motivate us.
  • Take a break and work on something else for a while
  • Try pushing through your resistance for ½ hour.  Did your engagement with the project change?
  • What is a good source of inspiration for you? Music? Walks? Dance? Take some time to nourish your muse and then try writing again.

Of course you can always contact me and we can set up a session to explore your project idea, uncover your blocks and get you started pr working again.

Contact me to set up a Finally an Author session.

What to expect from a Finally and Author session:

  1. Create a sense of clarity around why you want to write your book
  2. Get in touch with your inspiration and your motivation for writing your book
  3. Discover the #1 reason why you haven’t written your book already
  4. Identify the most powerful actions that will get you writing consistently
  5. Complete the consultation with the excitement of knowing exactly how to move forward with your book project

You can reach me here, or call me at 925-207-9525.

Maura  Headshot_blurred_background8f77e8.1

Maura McCarley Torkildson, MA, CPCC, ACC

Communications CoachLearning SpecialistWriter

Certified Professional Co-Active Coach



What does the average American think about “Healthcare in America?”

My question was: What does the average American think about “Healthcare in America?”American Healthcare SICK
I started with Yahoo Answers. Don’t ask me why not Google. I guess it was a “browser thing” or that’s my story. Anyway, the first listing was Sort by Relevance|Time, whatever that means? Then,

What do you think about this? (about poverty in America)?

Next, what do you think about the healthcare bill?,

What do you think is a big problem in America?

Well you can see that bureaucracy is everywhere.CAPITOL BLDG PROVIDENCE RI
So, I conformed and went to Google search and I found:

Health care in the United States – Wikipedia, the free …
On average, a U.S. male can be expected to live almost four fewer years. than The American Health Care System Sucks – Business Insider. Average Americans, Healthcare Consumers, and National ……/Average-Americans-Healthcare-Consumers-…

So I am pleased to report there is a lot of conversation about healthcare in America.

How coincidental that we just celebrated America’s Freedom. Incrediable FIRE WORKSCan an American be truly “FREE” without Healthcare? Now that is another question and I will not start another debate. I know personally I like choices. I like second opinions. I truly love saving money. Finally, I love to share. I will, of course, share some information that a friend shared with me.  ANNA DAVIS

I watched and listened to the video and the testimonials and drew the same conclusion.
It’s not too good to be true. It’s INCREDIABLE!


GSW 300 413The Story about this picture in another blog.
About Me: Gail Wilson a “blog newbie” @ & my website Gail has over 30 years of business development, advertising sales, magazine publishing, and customer service. My trusted attributes are: detail oriented, outstanding attentiveness, diplomatic, trustworthy, dedicated relaxed attitude. I am resourceful.
I want to contribute to the world and leave a lasting impression. Thinker. Problem solver. Communicator. Hardcore reader. Creator. Explorer. Successfully Mentoring Online Marketers

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