Mortgage Broker Strategies to Overcome the Volatility of Inconsistent Sales

Many mortgage brokers leave the mortgage industry because of unforeseen changes andvolatility. Mortgage brokers are concerned with adequate strategies to mitigate industry volatility and inconsistent sales, which is important to successful sustainability during challenging times. Grounded in relationship marketing theory, the purpose of this qualitative single case study was to explore the strategies seven mortgage brokers from a single organization used to sustain sales during volatile times. Data were collected using semistructured interviews by telecommunication, a reflective journal, LinkedIn, Facebook, and broker websites. Through thematic analysis, three themes emerged: maintaining a presence with new and existing clients, understanding client needs, and offering concise communication and consistency. A key recommendation for mortgage brokers is showing commitment to new and existing clients through effective communication and client engagement. The implication for positive social change includes the potential to enhance job security, foster trust and loyalty, and create customer satisfaction which may expand housing and employment opportunities for the communities, with derivative increases in tax revenues to benefit surrounding communities

Mortgage Broker Strategies to Overcome the Volatility of Inconsistent Sales

Many mortgage brokers leave the mortgage industry because of unforeseen changes andvolatility. Mortgage brokers are concerned with adequate strategies to mitigate industry volatility and inconsistent sales, which is important to successful sustainability during challenging times. Grounded in relationship marketing theory, the purpose of this qualitative single case study was to explore the strategies seven mortgage brokers from a single organization used to sustain sales during volatile times. Data were collected using semistructured interviews by telecommunication, a reflective journal, LinkedIn, Facebook, and broker websites. Through thematic analysis, three themes emerged: maintaining a presence with new and existing clients, understanding client needs, and offering concise communication and consistency. A key recommendation for mortgage brokers is showing commitment to new and existing clients through effective communication and client engagement. The implication for positive social change includes the potential to enhance job security, foster trust and loyalty, and create customer satisfaction which may expand housing and employment opportunities for the communities, with derivative increases in tax revenues to benefit surrounding communities

Global patient outcomes after elective surgery: prospective cohort study in 27 low-, middle- and high-income countries.

BACKGROUND: As global initiatives increase patient access to surgical treatments, there remains a need to understand the adverse effects of surgery and define appropriate levels of perioperative care. METHODS: We designed a prospective international 7-day cohort study of outcomes following elective adult inpatient surgery in 27 countries. The primary outcome was in-hospital complications. Secondary outcomes were death following a complication (failure to rescue) and death in hospital. Process measures were admission to critical care immediately after surgery or to treat a complication and duration of hospital stay. A single definition of critical care was used for all countries. RESULTS: A total of 474 hospitals in 19 high-, 7 middle- and 1 low-income country were included in the primary analysis. Data included 44 814 patients with a median hospital stay of 4 (range 2-7) days. A total of 7508 patients (16.8%) developed one or more postoperative complication and 207 died (0.5%). The overall mortality among patients who developed complications was 2.8%. Mortality following complications ranged from 2.4% for pulmonary embolism to 43.9% for cardiac arrest. A total of 4360 (9.7%) patients were admitted to a critical care unit as routine immediately after surgery, of whom 2198 (50.4%) developed a complication, with 105 (2.4%) deaths. A total of 1233 patients (16.4%) were admitted to a critical care unit to treat complications, with 119 (9.7%) deaths. Despite lower baseline risk, outcomes were similar in low- and middle-income compared with high-income countries. CONCLUSIONS: Poor patient outcomes are common after inpatient surgery. Global initiatives to increase access to surgical treatments should also address the need for safe perioperative care. STUDY REGISTRATION: ISRCTN5181700

Auditory and visual distractors disrupt multisensory temporal acuity in the crossmodal temporal order judgment task

The ability to synthesize information across multiple senses is known as multisensory integration and is essential to our understanding of the world around us. Sensory stimuli that occur close in time are likely to be integrated, and the accuracy of this integration is dependent on our ability to precisely discriminate the relative timing of unisensory stimuli (crossmodal temporal acuity). Previous research has shown that multisensory integration is modulated by both bottom-up stimulus features, such as the temporal structure of unisensory stimuli, and top-down processes such as attention. However, it is currently uncertain how attention alters crossmodal temporal acuity. The present study investigated whether increasing attentional load would decrease crossmodal temporal acuity by utilizing a dual-task paradigm. In this study, participants were asked to judge the temporal order of a flash and beep presented at various temporal offsets (crossmodal temporal order judgment (CTOJ) task) while also directing their attention to a secondary distractor task in which they detected a target stimulus within a stream visual or auditory distractors. We found decreased performance on the CTOJ task as well as increases in both the positive and negative just noticeable difference with increasing load for both the auditory and visual distractor tasks. This strongly suggests that attention promotes greater crossmodal temporal acuity and that reducing the attentional capacity to process multisensory stimuli results in detriments to multisensory temporal processing. Our study is the first to demonstrate changes in multisensory temporal processing with decreased attentional capacity using a dual task paradigm and has strong implications for developmental disorders such as autism spectrum disorders and developmental dyslexia which are associated with alterations in both multisensory temporal processing and attention

Features of the psychometric function.

<p>Individual participant data was fit with a psychometric function for each perceptual load. The resulting mean PSS (A), nJND (B), and pJND (C) are shown grouped by the modality of the distractor task. Both the nJND and pJND, but not the PSS, increased with increasing load. No significant effects of distractor modality were found. Error bars represent SEM. * Indicate significant differences (p < .0125) as compared to NL.</p

Percent flash first reports across SOA for the CTOJ task separated by visual versus auditory distractor tasks.

<p>SOA significantly influenced the percent of flash-first reports with positive SOAs (visual leading) resulting in more visual first reports. SOA and perceptual load significantly interacted for both distractor modalities indicating that perceptual load modulates performance on the CTOJ task. Error bars represent the SEM. * indicate significant differences between NL and HL and/or NL and LL at the Bonferroni-corrected alpha level of p < .0018.</p

Performance on the visual and auditory distractor tasks.

<p>Accuracy was lower for HL compared to LL for both visual and auditory distractors. Additionally, accuracy was higher for the visual distractor task then the auditory distractor task. Error bars represent SEM. * Indicate significance differences between LL and HL.</p