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.

In this inspiring episode, we dive into the power of getting involved in REALTOR® Association leadership with special guest Jennifer Viano, TRAR Board of Directors President-Elect and Managing Broker/Owner of Town Center Realty in Joliet. Jennifer shares her journey from new agent to managing broker/owner and now president-elect of the Three Rivers Association of REALTORS®. From the importance of committee service to how involvement can shape your business and expand your network, this episode is packed with practical advice and real-world stories. Plus learn more about our 106th Installation of Officers and Directors on September 17th!

What You’ll Learn:

• How Jennifer transitioned from a service industry background into real estate
• What inspired her to step into leadership roles at the association
• The value of joining a committee (even if you’re brand new!)
• Different types of committees and what to expect from each one
• Tips on getting involved in state and national associations
• How association involvement can grow your business and leadership skills
• A sneak peek into the 106th Installation of Officers & Directors happening Sept. 17 at the Rialto Square Theatre in Joliet

Key Takeaways:

• Start Small: Sit in on a committee meeting, attend an event, or talk to a current board member.
• No Experience Required: You don’t have to be a top producer to get involved—just show up and be open to learning.
• Affiliates Welcome: Involvement is not just for REALTORS®—affiliates play a huge role, too.
• Leadership is a Ladder: Local involvement opens doors to state and national opportunities.
• Events Build Community: Association events are a great way to network, learn, and have fun.

Upcoming Event:

106th Installation of Officers and Directors

September 17th @ 6:00pm

Rialto Square Theater

102 N. Chicago St., Joliet, IL

Find Tickets Here: 106th Installation of Officers and Directors

Thanks for listening to The Real Estate Ripple. Don’t forget to subscribe and leave a review. Until next time—keep creating waves in your business and community!

In today’s episode, Christie and Joe dive into the world of real estate marketing with Corey Krakowski, co-founder of Vizimage Productions, LLC, a media company specializing in real estate photography, videography, and visual marketing tools.

Corey shares his expert insight on how professional photography can make or break a listing in today's digital-first real estate market. He explains that your photos are often the first — and sometimes only — chance to grab a buyer’s attention. Poor-quality images can cause even well-priced homes to be overlooked, while high-quality, professionally captured photos build trust, generate more foot traffic, and lead to faster and stronger offers.

Key Takeaways & Topics Covered:

• Why Professional Photography Matters: First impressions are everything. Listings with dark, cluttered, or poorly framed images can turn off buyers before they ever schedule a showing. Professional images tell a clear story and spark emotional connections.
• DIY vs. Professional Photos: Corey breaks down the difference between iPhone photos and pro shots — from lighting and color accuracy to framing and editing. He explains how professionals use high-end cameras, external lighting, and post-processing techniques to showcase a home's true potential.
• Preparing a Home for Photos: REALTORS® and sellers must work together to clean, declutter, and stage the home. Corey shares what photographers look for, including turning off fans, putting down toilet seats, and creating flow in each room.
• The Power of Virtual Staging: Empty homes are difficult to photograph well. Virtual staging adds warmth and imagination by digitally furnishing rooms to help buyers visualize how they could live in the space — all while being cost-effective and quick.
• Timing & Turnaround: Quick turnaround is essential when delivering professional real estate photos so listings can be posted without delay. Even challenging conditions like rain or poor lighting don’t have to slow things down — blue skies can be digitally added, and trained photographers know how to work with any lighting to ensure consistent, high-quality results.
• Behind-the-Scenes Moments: From clients mopping floors during a shoot to awkward moments with reluctant sellers, Corey shares a few humorous stories that highlight why preparation and professionalism matter.
• Beyond Photos – Video & Social Media Content: Corey discusses how his company helps agents create short-form video content for platforms like Instagram, Facebook, and TikTok. These videos keep REALTORS® top of mind and position them as professionals in their market. He also explains the benefits of listing videos, talking-head clips, and even teleprompter-assisted content sessions.

Final Thoughts:

Professional photography isn't just a luxury — it’s a necessity in today’s competitive real estate market. REALTORS® who consistently use high-quality visuals demonstrate value to their clients and elevate their personal brand. As Corey says, marketing works — and investing in great media is one of the smartest moves a REALTOR® can make.

Connect with Vizimage Productions, LLC:

Website & Booking: visimagerealestate.com

Instagram: https://www.facebook.com/Vizimage

Facebook: https://www.instagram.com/vizimage/

Phone: (815) 290-9690

In this episode of The Real Estate Ripple, hosts Megan Wendtland and Christie Murawski, are joined by Kris Todd and Laura Cunningham from KAT Organizing & Relocation Solutions. Together, they dive into the emotional and practical sides of home organization—whether you’re staging a home to sell, helping aging loved ones transition, or just trying to reclaim your space. From 15-minute cleanups to hoarding support and senior move management, Kris and Laura share powerful, judgment-free guidance to help homeowners take control of their clutter and create more functional, peaceful environments.

Topics Covered:

• The story behind KAT Organizing’s name and its family roots
• Why organizing feels overwhelming—and how to overcome it
• The “10-minute timer” trick for making progress every day
• Creating sustainable systems for busy households
• How to organize sentimental items (like kids’ schoolwork)
• Key clutter zones and how to tame them (entryways, kitchen tables, stairs, etc.)
• Affordable organizing tools: clear bins, duct tape, timers
• Teaching kids life-long organizing habits
• Organizing for real estate: prepping a home for sale without overwhelming the client
• Working with hoarders: compassionate, specialized support
• Senior move management and the value of NASMM accreditation
• When to consider outside help—and how it can make all the difference

Kris & Laura’s Pro Tips: ✅ Start small—drawers, one shelf, or 10 minutes at a time ✅ Use a family calendar to manage chores and schedules ✅ Declutter before a move to save time and money ✅ Focus on what works for your family—not Instagram perfection ✅ Celebrate small wins and build consistent routines

Where to find KAT Organizing & Relocation Solutions:

Website: KAT Organizing & Relocation Solutions

Contact: KAT Organizing Contact

Kris Todd Email: kris@katorganizing.com

Phone: (708) 516-8418

Podcast Show Notes:

Episode Title: Celebrating AANHPI Heritage Month with Cleo Aquino of AREAA

Episode Summary: Christy and Joe welcome Cleo Aquino, President of the Greater Chicago Chapter of the Asian Real Estate Association of America (AREAA), to discuss her personal and professional journey, the mission of AREAA, and the impact of advocacy in real estate. Cleo shares how AREAA advances sustainable homeownership, disaggregates critical data for better policymaking, and empowers first-time buyers through education. She also highlights upcoming social and fundraising events like the Dragon Boat Race and Swing for a Cause golf outing. Join us for an energizing conversation filled with community spirit, impactful initiatives, and leadership insights!

What You'll Learn in This Episode:

• Cleo Aquino’s background and journey into real estate
• The mission and national impact of AREAA
• Key policy wins, including census data disaggregation and renters' credit programs
• Why first-time homebuyer education is crucial, especially for immigrant communities
• Exciting AREAA Chicago events coming in 2025

Resources Mentioned:

• AREAA State of Asia Report - https://areaa.org/resource-asia-america-report
• Join AREAA Chicago: Join AREAA - https://areaa.org/membership-registration
• AREAA Member benefits: AREAA Member Benefits - https://areaa.org/benefits

Connect with AREAA Chicago: Email: ChicagoAREAA@gmail.com Website: https://areaa.org/greaterchicago

Follow The Real Estate Ripple: Subscribe so you never miss an episode!

In this special episode of The Real Estate Ripple, Joe and Christy sit down with Chris Marconi, a dedicated lender from Midland States Bank, the presenting sponsor of the upcoming Three Rivers Home Expo. Chris shares valuable insights on the current real estate market, tools and resources for buyers and sellers, and how Midland is supporting homeownership at every level.

What You’ll Learn in This Episode:

• How Midland States Bank supports communities and fosters a positive internal culture.
• Market trends affecting both buyers and sellers in 2025.
• Details on programs like HomeReady, Home Possible, and a down payment assistance grant program through the Will County Center for Community Concerns (WC4).
• Smart tips for first-time homebuyers navigating the mortgage process.
• How bridge loans can help sellers transition smoothly into new homes.

What to expect at the Three Rivers Home Expo on April 26, including educational sessions, family activities, and opportunities to connect with experts.

Expo Highlights:

• Breakout sessions on mortgages, home equity loans, and savings strategies
• Vendor booths with home service professionals
• Family-friendly activities: Home Depot projects, character visits, and more!

Midland States Bank Midland States Bank Mortgage Loan Officers

The Three Rivers Home Expo