Jay Speer
![Jay Speer](/assets/img/authors/unknown.jpg)
Jay Speer
apply concept happened hard nose people whatever work
It's discouraging. Whatever happened to the concept that you work hard and keep your nose to the grindstone, then you'll get ahead? There's just so many people that this doesn't apply to anymore.
housing markets people
People who live in higher-cost housing markets are really hurting.
percentage small worried
There is a very small percentage of dealers we're worried about. But they can do a lot of damage.