Are you familiar with C/2025 N1 (ATLAS) or you might know it by its nickname 3I/ATLAS?
Whatever you want to call it, it is currently hurtling through the solar system at 130,000 mph and there is much scientific conjecture as to what it might be.
The majority of celestial observers follow the general narrative that it is a comet just passing through. There are however some who think it is organic or alien and we are about to find out what ET has been up to since he phoned home.
Personally, I think it is a much more important event than either of those and is in fact Mike Lawlor’s wallet finally making its way back to Earth and just in time to get a round in at The Marquis.
Whatever happens, anyone following this cosmic event cannot help but wonder at the expanse, mystery and brilliance of the observable Universe.
OBSESSION AND THE WELLSPRING OF GENIUS
I have always been obsessed with space and the fact that we even exist, just floating here, loitering in the cosmos, apes meandering through an inexplicable void. Today we cannot even best guess the how let alone fathom the why?
I read an article recently where a once ridiculed scientific idea is now starting to get some attention.
It suggested that the ingredients for life have been delivered to Earth on comets or asteroids, seeding the planet with inhabitants. This therefore suggests WE ARE the alien life that we have all been patiently waiting for.
That is all too big for my tiny brain and for the purposes of getting this back to something resembling a mortgage article, I am going to mention the Goldilocks Zone, the zone that is considered the perfect astronomical position where everything is “just right” for life to develop on a planet – not too close, not to far, not too hot, not too cold.
“It made me realise that this is exactly where mortgage intermediation is right now.”
Recently, it made me realise that this is exactly where mortgage intermediation is right now – perfectly positioned and able to flourish at the top of the food chain.
I looked at some of our own numbers and we are up 30% since 2022. Believe me when I say we are not working 30% harder or doing 30% more to get there. We are simply, just existing in the perfect business environment for people to seek mortgage advice.
There is no real competition, our last predator (the banks) have all but given up. There is little in the way of new challengers and the chaos that has surrounded our sector of late only serves to highlight our experience. The conditions are “just right” for us all to succeed.
TIME TO PLAN
Which is why I need to bring in the Three Bears part of this article because when things are going well, it is time to plan for them going wrong.
Baby Bear Market might be as simple as you getting your numbers wrong. You expanded too much, didn’t plan ahead, overspent or under invested.
Mummy Bear Market could be some more industry specific turmoil – Winter Budget anyone? Either way, you might be able to control your numbers but no one gets to control the consumer.
Finally, Daddy Bear Market – the Extinction Level Event that could make Covid 19 look like a walk in the park, the Black Swan that arrives and makes us all crave a bit of roadkill for some protein.
TIGHTEN THE BUSINESS PLAN
In conclusion, everyone is busy and doing well and that’s the perfect time to stop, assess and tighten the screws in the business plan
Finally, while we are talking about soulless, freezing cold vacuums, can some of you wind your necks in on LinkedIn?
Well done for the midnight DIP, completing the suburban school run in a 4×4 and managing to shake off the plague with some positive thinking, but the reality is, no one cares.
You run a Goldilocks business in the Goldilocks zone, in the Northern Hemisphere in the Western World during the 21st Century – that’s not talent – that is pure unadulterated good luck.
Anyway, see you in The Marquis to debate this further. And hurry up… because Mikes buying!
