My new job as an assistant at the American Heart Association was great and I was primed to grow in the position. But I wasn’t feeling like my wardrobe looked like I was ready for the next position on the ladder to success. So I marched into Ann Taylor at Scottsdale Fashion Square, my favorite brand at the time, and was thrilled that they needed weekend help. That meant 40 to 70 percent off their beautiful clothes and helping friends and strangers shop for their career or special occasion wardrobes 10 to 16 hours a week. After one year, I had all of the basics covered and could move on as a former retailer/ waitress and apply those skills to everything that was to come my way. I’ve learned that companies and organizations can set an expectation for service by attending “ Everyone should have to work as a waiter or in retail for at least six months. It would make for a more understanding world.” Fast-forward to post-college and my plan to take my time to find the right job. I always wanted to work in a restaurant, and my friends gave me a heads-up that California Pizza Kitchen needed a new hostess — the only role I could fill since I didn’t have any waitressing experience. I gave myself one year to have fun, keep up the job search and work at CPK. I went from hostess to hostess trainer to server to server trainer in six months. I had regular customers, celebrity sightings and an amazing, supportive crew of other 20-somethings that liked to hang out together. There were days full of issues, cranky customers and even times the computers went down and everything had to be done on paper tickets. The full-time job offer I wanted came the same week I was asked to consider the CPK management training program … and the time was right to move on. 50 FRONTDOORS MEDIA | OCTOBER 2019

The Mortgage CHICK HUD CAPS CASH-OUT TRANSACTIONS The maximum loan to value allowable on an FHA cash-out refinance was 85%. All applications taken after Aug. 31, 2019, are now capped at 80%. HUD will now mirror the maximum loan to values allowed on Fannie Mae and Freddie Mac cash-out transitions. This is a responsible move by HUD to limit the risk of mortgage default by borrowers with an FHA loan, and to future limit the risk of the U.S. taxpayer. VA is anticipated to follow suit shortly. KIESHA McFADDEN C H E C K I N G I N W I T H THIS MONTH’S TIP /// COMMUNITY CHAMPIONS Geneva Gives was born out of a desire to make an impact on a very personal level in the communities they serve. Their goal is simple and clear — consistently recognize those who impact their communities every single day. They’re down to 10 finalists. Whether they are supporting an organization that contributes their time and resources or celebrating an individual whose profession enriches the community around them, Geneva Financial feels it is important to give back whenever possible. And that’s why they’re excited about presenting a grant to the “Hero of the Year” through their Geneva Gives Charity Campaign. Kiesha McFadden , Senior Loan Officer 480.252.9365 | Kiesha@Genevafi.net NMLS #198458 Branch Address: 7272 E. Indian School Road, Suite 540 Scottsdale AZ 85251 Corp Address: 3155 S. Price Road, Suite 105 Chandler, AZ 85248 ©2019 Geneva Financial, LLC. 1.888.889.0009 • AZ BK #0910215 • NMLS #42056 @AndreaTEvans Andrea Tyler Evans PUBLISHER Andrea classes through the Ritz-Carlton Leadership Center , where their motto has long been “we are ladies and gentlemen serving ladies and gentlemen.” In today’s fast-paced, make-it-work culture, investing in classes and seminars like these seems like a great way to help those new to corporate or nonprofit culture become the best that they can be as they navigate the work-life balancing act. Maybe next time you see someone taking out their stress on a waiter or retailer, you’ll take a moment to let that employee know that you see how hard they are working and that they will always benefit from their time of service. Cheers!