What is going on with mortgages!?! We start the show with an interview with Michael Creed, Producing Branch Manager for Luminate Home Loans. Though mortgage rates have come down slightly, they are still quite high. Michael gives us some insight on where things will most likely settle and how lenders are reacting to current and possible future mortgage rates.

Also on this episode:

• Accounting / Bookkeeping - As we wrap up 2023 and head into the new year, have you taken a look at your books lately? Chances are they're probably a bit messy. CeCelia Bos, owner of Bos' Optimal Solutions helps us keep our bad bookkeeping habits from coming with us into 2024.
• Target Audience / Idea Slam - In this "on the air" Idea Slam, we're helping out Claire Skivington, founder of Amor y Asana, a Spanish-language yoga business. Claire's question centers around narrowing down her target audience and how to reach them. This is a question that can benefit all of us, so have a listen!
• Time Management / Goal Setting - You've set your goals, but what steps need to be taken each week to reach those goals? Jenna Piche, Time Management Coach at First Light Coaching is here to help us figure out better calendar management practices to do just that!

Tired of working on your small business all by yourself? Wish you could have allies and partners willing to collaborate with you to solve problems and capture opportunities? Check out the international problem-solving small business community that is working together to beat the odds and achieve their small business goals: The Idea Collective Small Business Incubator: https://ideacoachmedia.com/idea.

Paid Speaking Bootcamp: Build a profitable speaking business! Get paid every time you step on stage! In 3 days you’ll learn how to shift your message for the stages that pay, find, and book paid speaking gigs, and record footage for your speaker reel. Let International & TEDx Speaker, Wendy Babcock, help you create a new stream of income through paid speaking - https://profit-up.mykajabi.com/paid-speaking-bootcamp.

Mentioned in this episode:

Welcome to the Pat Miller Show

The Pat Miller Show is a nationally syndicated radio show exclusively for small business owners. Our mission is summed up by our slogan: "Don't Grow It Alone." Welcome to the mission! Learn more at https://www.ideacollectiveincubator.com

Athena Legal Solutions

Small business legal doesn't have to be complicated. Say hello to peace of mind. Athena Legal Solutions is your personal business lawyer from start up to legacy creation. Learn more at https://pat-miller-show-podcast.captivate.fm/legal

Athena Legal Solutions

Sidekick Accounting

This episode is sponsored by Sidekick Accounting. Sidekick is your trusted companion as you grow your small business that effortlessly handles the finances. Now an official Profit First Provider! Contact with Sidekick Accounting at https://pat-miller-show-podcast.captivate.fm/sidekick

Sidekick Accounting Services

Paid Speaking Bootcamp