Author: tony@tonyratchford.com

“Christmas waves a magic wand over this world, and behold, everything is softer and more beautiful.” ―Norman Vincent Peale

Christmas is known mostly as a religious celebration of Jesus Christ’s birth. Although the actual birth date of Christ is unknown, the Catholic Church proclaimed December 25^th as the official date in 336.

Today, Christmas is still celebrated by many as a religious event and simply as a holiday with time for gatherings and gifts. Regardless, it is a festive time of great celebration.

One might wonder how Christmas evolved into the giving of gifts? Some believe it began with the gift of Jesus to the world, some think it as an example of the Three Wise Men, and others believe it was from earlier years of the pagan celebration for the winter solstice.

Our present tradition may be traced back to Saint Nicholas and his anonymous giving of gold to a poor man and his daughters. As stories go with time, different versions emerged until in 1823 when Dr. Clement Clarke Moore wrote “T’was the Night before Christmas” for his children, followed by Charles Dickens “Christmas Carol” in 1843, and in 1849 with the song ”Rudolph the Red Nose Reindeer.”

And so we have it; St Nicholas delivers gifts to the kids with the help of Ghosts and Reindeers. The story and celebrations evolve as we expand into an even larger season of giving.

Today, there are many forms of celebration, but nearly all of them circle around the idea of giving someone a gift to show they care. This is usually in a form of song, food, toys, or just a gathering of friends and family.

Whatever the gift, it always brings energy and laughter. And when there are no gifts, there are many others who look for those without, and share what they can. It warms the hearts of those who give as much as those who receive. It brings hope that for one day we can forget all the ugliness, and be filled with joy and gratitude.

May you have the best the holiday season and a Merry Christmas with abundance and fond memories of family and friends.

And from my world, I wish you a joyous celebration for the birth of Jesus Christ.

Tony Ratchford, Broker for KW Realty Sioux Falls, CRS, ABR, SRES, Luxury Homes Institute Member

Accomplishment is delivered in direct proportion to clarity; which is discovered with a full examination of our core values, establishing the most important ones. This is what drives us, gives us the motivation to move forward consistently and completely on our goals.

Everyone is exactly in life where they want to be. If you are not happy where you are, then you don’t have enough clarity of purpose to take you where you want to go. It’s simply a matter of understanding the payoff for your action. Some people refer to this as their ‘why.’

Usually, when we think of what we want, we think of a feature…such as a new house. But two questions remain; the first is, ‘what is the benefit for the new house?’ And, third, ‘how does that ultimately tap into your core value system?’ Depth of understanding is required.

The answer may be simply ‘we need more space for the family', and space provides more comfort? If so, then family and comfort are the core values. The final question for you, is to determine how important your family comfort is to you? This will determine your level of motivation. The depth of the payoff will equal your effort, and visa-versa.

The next step is to analyze the four elements for performance; which is about you (Self). They are physical, mental, emotional, and spiritual. We must have clear knowledge of what we need to do, the answers written down, always remembering to attach them to your driving core value.  This is your path, and once acted upon, the result should come easy and natural.

Once again, what does a ‘win’ look like to you? Will the path you’ve chosen and actions established take you to your destination? It is absolutely vital to have clarity of those things that are most important to you. And, then it’s simply doing whatever is necessary to stay on track, always reminding yourself of the ultimate payoff. In this case, it’s your family’s comfort!

This process can be applied to all of your goals. Remember it’s the core value that drives you. Some find it difficult to understand their value system; the answer comes from paying attention to how you feel. Look for things that give you energy, this is a good sign you are excited about the payoff of a value. Continue to explore as desires will shift, although core values will not.

Tony Ratchford, Broker for KW Realty Sioux Falls, CRS, ABR, SRES, Luxury Homes Institute Member

“Gratitude is one of the sweet shortcuts to finding peace of mind and happiness inside.  No matter what is going on outside of us, there is always something we could be grateful for.” Barry Neil Kaufman

This past summer, I was fortunate to travel in the Mediterranean. The history of Greece, Italy, France, and Spain was extraordinary as we visited famous sites from 2500 BC to castles of the sixteen century, and coastal cities alive with world travelers. It was interesting to see how the Old World lives today.

We spoke to many people who said their dream was to live in America. When asked why, they spoke mostly about the good life, freedom and abundance. It was easy to see why, as many of the cities are showing signs of distress with their infrastructure and economic conditions.

Upon returning to the USA, a keen awareness for what we have here was at hand, and a renewed sense of gratitude prevailed. It wasn’t just about how we live, but more appreciation for those who came before us and their contribution to today’s world of order and opportunity.

When we think of the pioneers who came to America, how did they survive the cold and heat, death and hardship? Armed only with a few possessions, big dreams, and ambition they forged ahead with mostly survival on their minds. Yet, many made it through it all to a world of abundance using their creativity, determination, and a positive belief they could make something better.

There are three virtues which have proven foundational in every successful society; humility, gratitude, and contribution. It’s hard to tell which one comes first, but one must, at some time, apply all three for the happiest of times.

Unfortunately, it’s difficult to avoid ugly rhetoric that resonates throughout our country. We know nothing is perfect, so, why do we waste time on that which has much to do about nothing, when we can put forth the same energy into improving things that need work and are important? Success does not arrive in a darkroom of negativity.

Lessons can be learned from those who came before us, and they deserve the greatest of praise and appreciation. Hopefully, today is a good time to complain less, embrace our goodness more, and give thanks to all who sacrificed their lives for our freedom and comfort. May you have a wonderful Thanksgiving.

Tony Ratchford, Broker for KW Realty Sioux Falls, CRS, ABR, SRES, Luxury Homes Institute Member

"Gratitude is one of the sweet shortcuts to finding peace of mind and happiness inside.  No matter what is going on outside of us, there is always something we could be grateful for."  Barry Neil Kaufman

This past summer, I was fortunate to travel in the Mediterranean. The history of Greece, Italy, France, and Spain was extraordinary as we visited famous sites from 2500 BC to castles of the sixteen century, and coastal cities alive with world travelers. It was interesting to see how the Old World lives today.

We spoke to many people who said their dream was to live in America. When asked why, they spoke mostly about the good life, freedom and abundance. It was easy to see why, as many of the cities are showing signs of distress with their infrastructure and economic conditions.

Upon returning to the USA, a keen awareness for what we have here was at hand, and a renewed sense of gratitude prevailed. It wasn’t just about how we live, but more appreciation for those who came before us and their contribution to today’s world of order and opportunity.

When we think of the pioneers who came to America, how did they survive the cold and heat, death and hardship? Armed only with a few possessions, big dreams, and ambition they forged ahead with mostly survival on their minds. Yet, many made it through it all to a world of abundance using their creativity, determination, and a positive belief they could make something better.

There are three virtues which have proven foundational in every successful society; humility, gratitude, and contribution. It’s hard to tell which one comes first, but one must, at some time, apply all three for the happiest of times.

Unfortunately, it’s difficult to avoid ugly rhetoric that resonates throughout our country. We know nothing is perfect, so, why do we waste time on that which has much to do about nothing, when we can put forth the same energy into improving things that need work and are important? Success does not arrive in a darkroom of negativity.

Lessons can be learned from those who came before us, and they deserve the greatest of praise and appreciation. Hopefully, today is a good time to complain less, embrace our goodness more, and give thanks to all who sacrificed their lives for our freedom and comfort. May you have a wonderful Thanksgiving.

Tony Ratchford, Broker for KW Realty Sioux Falls, CRS, ABR, SRES, Luxury Homes Institute Member

The front page headline for Argus Leader on Tuesday September 23rd was “Tax growth beats expectations.” The article gave a rousing economic report for the City of Sioux Falls and surrounding areas. According to the Sioux Falls Finance Department, sales tax revenue for August this year increased 11.7% over the previous year; a 25% increase over expectation for the 12 month rolling average.  The four county area added 2,000 jobs in June and July, and the unemployment rate is 2.1%; one of the lowest in history.

This level of employment creates greater demand for employees; consequently, wages are rising and household income is increasing. According to a recent Wall Street Journal article, the national rate is 4% for wage increase over the last year. People are earning more, saving more, spending more, and feeling better about their lives.

In April of this year, the total number of homes sold in The Empire for the year was down 20% from last year; although, sales have rebounded and there is a good chance we’ll end up with as many sales in 2019 as in 2018.

Mortgage rates remain low and are just under 4% for a 30 loan and around 3.5% for 15 years; and, it appears there is little chance of them rising in the near future.

This economy is equal, if not better than, the 1980’s market; which sent us on a 20 year bull market. Talk of a recession is pure nonsense. An economy driven by labor will always thrive. When people work and earn money everyone wins!

That means sales will continue at a solid pace, prices should stay flat or increase slightly, and real estate ownership will still be a good investment as well as a place to call home. A caveat to all of this may be the world of political rhetoric. Some people, hoping things to be different, may convince enough people things aren’t as good as they appear, which can develop into a high level of uncertainty and therefore affecting consumer confidence and their willingness to spend money.

The Ratchford Group continues to be optimistic, and believes a good plan for buying and selling is essential for the best outcome. We have developed a process that will help you maximize your dollars, save you valuable time, and give you peace of mind knowing you are doing the right thing at the right time.

All my best,
Tony Ratchford, Broker for KW Realty Sioux Falls, CRS, ABR, SRES, Luxury Homes Institute Member

“Before anything else, preparation is the key to success.”  Alexander Graham Bell