Hey everybody--I hope you are doing well wherever you ---- last week I shared a little of what my end of year planning outline looks like.  If you havent heard that episode----that is something that you might want to consider.  Today---I was thinking of covering some of the areas that you should consider adding to your plan right now.  One thing I wanted to cover is something I am watching closely is the eviction moratoriums---right now the eviction moratorium is scheduled to sunset on december 31, 2020 according to the wall street journal in January there are between 2.4 and 5 million households at risk and more in the following months.  While this is a very sad and I wish that no one ever has to be forcefully removed from their home----the fact is there are going to be a lot of rentals hit the market I think this poses an extraordinary opportunity for a lot of people.   In my preparation for how to best position oneself to capture this opportunity I thought it would be most helpful to the audience to talk with you about cutting costs as we move into an uncertain economy and how to best place yourself to capitalize on opportunity as they appear.     When looking at your business planning for the year you really should start off with reviewing your brokerage.  If you are thinking about making a change or just entering the industry.  I want to share with you some things you may want to keep in mind.   First--let me say that if you are considering making a change---right now is the time to do it.  Heres why:     1) You probably have less of a pending transaction "pipeline".   Most buyers and sellers wait until after the holidays. If you make a change, there's less chance any unethical corporate document skimmer will try to screw you out of commissions.   But, hey your broker is most certainly ethical, that's why you chose them to begin with right?  Yeah--most brokers are very ethical but, there are plenty of corporate clowns that will hold money back in the hope that you wont pursue them in small claims court   Too often sales people that are headed out the door are nickeled and dimed others lose client relationships and that adds up to tens of thousands of dollars over and agents career.   If you do have clients under contract---many of those expire during the holidays and if your client happens to cancel while  your in the middle of a broker change well uh--everybody wins --I think.  It will at least make your job change easier.   Choosing a broker is much more than just looking at the office or the splits.  You really should be asking yourself what broker is going to spend the most effort in helping you grow your business.  The fact is most brokers are just big recruiters they are not incented to help you grow. Most brokers will hire  you sight unseen even though, they will tell you that they only accept 1 out of 10 agents.  They hire almost anybody because they are not going to give you anything otherwise known as leads.    I want to credit inman writer missy yost that came up with some of the questions and content I am going to share.   When looking at brokerage you need to decide whether to join a team or build your business on your own.  There are many pros and cons of joining a team and in my mind a lot of people join teams mainly because they are either nervous about their ability to generate leads and they are nervous about setting out on a desolate landscape on their own.  In short--they are nervous about becoming an entrepreneur.   Before you jump ship on your current broker or blindly join a team here are some questions you should consider.       Does your brokerage offer agent support, and if so, to what extent?     The amount of support an agent receives will be one of the most significant differences in brokerages and brands.   Some are geared more toward the self-sufficient agent, while others will do everything for you.     If you want an admin person to enter listings into the MLS, prepare e-blasts, postca