A successful year in real estate doesn’t happen by chance - it happens by design. In this episode of The Real Estate Ripple, Megan, Joe, Christy, and Lindsey dive into what effective business planning really looks like for business professionals at every stage of their career.

From setting realistic goals and knowing your numbers to breaking big plans into manageable daily actions, the hosts share practical strategies to help you stay focused, consistent, and motivated throughout the year. They also discuss how to use calendars and CRMs without feeling overwhelmed, the importance of accountability, and why your business plan should align with your personal values and lifestyle.

Whether you’re a brand-new agent or a seasoned professional looking to reset and refocus, this episode offers actionable insights you can start using right away.

In this episode, you’ll learn how to:

• Create a business plan that actually gets used

• Break big annual goals into realistic, manageable action steps

• Track progress without perfectionism or burnout

• Use calendars and CRMs in a way that works for you

• Build habits and routines that support consistency and balance

• Stay accountable while giving yourself grace

• Focus on progress over perfection

Topics Covered:

• Business planning for professionals at every stage

• Goal setting and habit building

• Time blocking and calendar strategy

• CRM best practices without overwhelm

• Personal values, mindset, and sustainability

• Accountability, reflection, and celebrating small wins

1. The 12 Week Year: Get More Done in 12 Weeks than Others Do in 12 Months – Brian P. Moran & Michael Lennington Breaking annual goals into focused 12-week execution cycles.

2. The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM) – Hal Elrod Creating intentional morning routines to set the tone for productivity and mindset.

3. The Gap and The Gain: The High Achievers' Guide to Happiness, Confidence, and Success – Dan Sullivan & Dr. Benjamin Hardy Focusing on progress, growth, and how far you’ve come—rather than what’s still missing. AND

4. The Big A## Calendar -

   The Big Ass Calendar Company | Calendars, Planners, and More

Three Rivers Website: Three Rivers | Association of REALTORS®

December Deals: Why the Holiday Season Might Be Your Real Estate Sweet Spot

Hosts: Megan Wendtland & Lindsey Hazdra Presented by: Three Rivers Association of REALTORS® Podcast: The Real Estate Ripple

In this holiday edition of The Real Estate Ripple, Megan Wendtland and Lindsey Hazdra break down one of the most overlooked opportunities in the market: December real estate deals. Whether you're a buyer, seller, or industry pro, this episode dives into why the end of the year can offer big advantages and what pitfalls to avoid.

In This Episode, You’ll Learn:

Why December Can Be a Goldmine for Buyers

• Less competition and fewer multiple-offer situations
• How off-season timing can help first-time buyers, renters, or anyone not tied to school-year schedules
• Why keeping your MLS search open through the holidays can uncover the perfect listing

Lending & Financial Insights for the Holiday Season

• The hidden dangers of Buy Now, Pay Later apps like Affirm, Klarna, and Afterpay
• How holiday spending can derail your mortgage approval
• Why staying financially steady is essential when you’re under contract
• Tips for gathering year-end financial documents to make your lender love you

Selling Your Home in Winter

• How to use the season to your advantage warmth, staging, curb appeal, and cozy vibes
• Why pricing strategically (even below market) can spark buyer competition
• Smart seller incentives that attract buyers without cutting into your bottom line
• Psychology tips: how to help buyers “feel like they won”

Professional Tips for Agents

• The importance of buyer consultations early and often
• Setting expectations to avoid mid-transaction surprises
• Using NAR’s Consumer Guide: 8 Tips for Selling Your Home in Winter and turning resources into branded marketing
• Why the first 5–7 days on market are critical for seller success
• Lighting, scent, safety, access, and the showing experience what really makes a difference

Real Talk Moments

• How plug-ins and strong scents can turn a buyer off
• Why Aunt Susie (the lender or the agent) isn’t always the right fit
• The psychology behind holiday transactions
• Real-life scenarios of deals delayed by small missteps and how to avoid them

Key Takeaways

• Buyers: December can be your competitive edge if you stay financially disciplined.
• Sellers: Lean into the season, price smart, and create a memorable, cozy showing experience.
• Agents: Use this slower season to educate, prepare, and build strong client relationships.
• Everyone: Close first. Shop later.

Final Notes

If you’re thinking about making a move during the holiday season or helping clients navigate it Megan and Lindsey have you covered. Their advice blends practical strategy with real-world experience to help you finish the year strong.

Stay tuned for the next episode coming in January. Happy holidays from The Real Estate Ripple!

When storm damage hits, navigating roof repairs and insurance claims can be confusing—even for seasoned homeowners and REALTORS®. In this episode, Christy and Joe sit down with John Kozlar, owner of Caravan Roofing and a licensed attorney, to uncover why it’s critical to have a roofing professional by your side when the insurance adjuster shows up.

John shares his unique perspective as both a roofer and attorney, breaking down how insurance claims really work, what pitfalls to avoid, and why proper representation during inspections can make or break your claim. Whether you’re helping a client or filing your own, this conversation will prepare you to handle roof damage claims the smart way.

• Representation matters: Never face an insurance adjuster alone—bring a roofing professional or contractor who can document damage and advocate for you.

• Documentation is key: Take plenty of photos and keep records to support your claim if questions arise.

• Don’t believe every myth: Premiums are based on your zip code, not necessarily your individual claim.

• Timing counts: Most insurance companies allow just one year from the date of the storm to file a claim.

• Read before you sign: Know what you’re agreeing to when hiring a roofer and beware of out-of-state “storm chasers.”

• Denied doesn’t mean done: Even if your claim is denied, a knowledgeable roofer may help you get it approved later.

Understanding the roof claim process helps you better advise clients buying or selling homes after storm damage. Partnering with reputable local professionals like John ensures smoother transactions and better outcomes for your clients.

John Kozler – Caravan Roofing Website: caravanroofing.com Phone: 312-823-7788

Even if you’re not ready to hire, John encourages homeowners and REALTORS® to reach out with questions—he’s always happy to help you understand the process.

Follow, like, and leave a review to help us make a bigger ripple in the world of real estate. Stay tuned for more expert interviews and local insights that help you and your clients thrive.