Archive for October, 2011

Steve Jobs: Follow Your Heart – Stanford Speech

October 6th, 2011 No comments

We are deeply saddened to hear that Steve Jobs has passed. He will go down in history as one of the most prolific innovators, entrepreneurs and CEO’s and has touched almost everyone in the Universe. I have watched his career (as most of us have) as a student and an admirer of overcoming the obstacles and making a difference. In a very small way we shared some similar experiences (although he had a couple hundred more patents and a lot more zeros in revenues) but our most common thread is that we were both given a second chance at getting life right and survived transplants. It was just a few months ago I sent along a personal note to Mr. Jobs of hope – sharing my story of the gift I received 34 years ago (from my kid brother Jim). I also shared a memory shortly after my life-saving surgery, of meeting a transplant survivor (9 years) and the exhuberance I felt knowing that I could possibly have an additional decade of life to enjoy, do my best and to make a difference. I often said if people would just understand how valuable life is, without experiencing and surviving some tragedy, what a difference we would all contribute.

A friend just sent me the Steve Jobs Stanford Commencement speech and, although I have read this many times before, I am reminded once again that life is precious and we should all follow our heart. Please take a moment to read, share and remember this visionary’s Life Lessons -Well Done Steve!:

Life lessons: Steve Jobs on Steve Jobs
Posted by:
business producer
, Kevin Voigt

Editor’s note: On June 12, 2005,
Steve Jobs gave a commencement speech at Stanford University that summed up his
life lessons. In memoriam, Business 360 publishes the full text of that speech.

I am honored to be with you today at your commencement from one of
the finest universities in the world. I never graduated from college. Truth be
told, this is the closest I’ve ever gotten to a college graduation. Today I
want to tell you three stories from my life. That’s it. No big deal. Just three

The first story is about connecting the dots.

I dropped out of Reed College after the first 6 months, but then
stayed around as a drop-in for another 18 months or so before I really quit. So
why did I drop out?

It started before I was born. My biological mother was a young,
unwed college graduate student, and she decided to put me up for adoption. She
felt very strongly that I should be adopted by college graduates, so everything
was all set for me to be adopted at birth by a lawyer and his wife. Except that
when I popped out they decided at the last minute that they really wanted a
girl. So my parents, who were on a waiting list, got a call in the middle of
the night asking: “We have an unexpected baby boy; do you want him?”
They said: “Of course.” My biological mother later found out that my
mother had never graduated from college and that my father had never graduated
from high school. She refused to sign the final adoption papers. She only
relented a few months later when my parents promised that I would someday go to

And 17 years later I did go to college. But I naively chose a
college that was almost as expensive as Stanford, and all of my working-class
parents’ savings were being spent on my college tuition. After six months, I
couldn’t see the value in it. I had no idea what I wanted to do with my life
and no idea how college was going to help me figure it out. And here I was
spending all of the money my parents had saved their entire life. So I decided
to drop out and trust that it would all work out OK. It was pretty scary at the
time, but looking back it was one of the best decisions I ever made. The minute
I dropped out I could stop taking the required classes that didn’t interest me,
and begin dropping in on the ones that looked interesting.

It wasn’t all romantic. I didn’t have a dorm room, so I slept on
the floor in friends’ rooms, I returned coke bottles for the 5¢ deposits to buy
food with, and I would walk the 7 miles across town every Sunday night to get
one good meal a week at the Hare Krishna temple. I loved it. And much of what I
stumbled into by following my curiosity and intuition turned out to be
priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy
instruction in the country. Throughout the campus every poster, every label on
every drawer, was beautifully hand calligrapher. Because I had dropped out and
didn’t have to take the normal classes, I decided to take a calligraphy class
to learn how to do this. I learned about serif and san serif typefaces, about
varying the amount of space between different letter combinations, about what
makes great typography great. It was beautiful, historical, artistically subtle
in a way that science can’t capture, and I found it fascinating.

None of this had even a hope of any practical application in my
life. But ten years later, when we were designing the first Macintosh computer,
it all came back to me. And we designed it all into the Mac. It was the first
computer with beautiful typography. If I had never dropped in on that single
course in college, the Mac would have never had multiple typefaces or
proportionally spaced fonts. And since Windows just copied the Mac, it’s likely
that no personal computer would have them. If I had never dropped out, I would
have never dropped in on this calligraphy class, and personal computers might
not have the wonderful typography that they do. Of course it was impossible to
connect the dots looking forward when I was in college. But it was very, very
clear looking backwards ten years later.

Again, you can’t connect the dots looking forward; you can only
connect them looking backwards. So you have to trust that the dots will somehow
connect in your future. You have to trust in something — your gut, destiny,
life, karma, whatever. This approach has never let me down, and it has made all
the difference in my life.

My second story is about love and loss.

I was lucky — I found what I loved to do early in life. Woz and I
started Apple in my parents garage when I was 20. We worked hard, and in 10
years Apple had grown from just the two of us in a garage into a $2 billion
company with over 4000 employees. We had just released our finest creation —
the Macintosh — a year earlier, and I had just turned 30. And then I got fired.
How can you get fired from a company you started? Well, as Apple grew we hired
someone who I thought was very talented to run the company with me, and for the
first year or so things went well. But then our visions of the future began to
diverge and eventually we had a falling out. When we did, our Board of
Directors sided with him. So at 30 I was out. And very publicly out. What had
been the focus of my entire adult life was gone, and it was devastating.

I really didn’t know what to do for a few months. I felt that I
had let the previous generation of entrepreneurs down – that I had dropped the
baton as it was being passed to me. I met with David Packard and Bob Noyce and
tried to apologize for screwing up so badly. I was a very public failure, and I
even thought about running away from the valley. But something slowly began to
dawn on me — I still loved what I did. The turn of events at Apple had not
changed that one bit. I had been rejected, but I was still in love. And so I
decided to start over.

I didn’t see it then, but it turned out that getting fired from
Apple was the best thing that could have ever happened to me. The heaviness of
being successful was replaced by the lightness of being a beginner again, less
sure about everything. It freed me to enter one of the most creative periods of
my life.

During the next five years, I started a company named NeXT,
another company named Pixar, and fell in love with an amazing woman who would
become my wife. Pixar went on to create the worlds first computer animated
feature film, Toy Story,
and is now the most successful animation studio in the world. In a remarkable
turn of events, Apple bought NeXT, I returned to Apple, and the technology we
developed at NeXT is at the heart of Apple’s current renaissance. And Laurene
and I have a wonderful family together.

I’m pretty sure none of this would have happened if I hadn’t been
fired from Apple. It was awful tasting medicine, but I guess the patient needed
it. Sometimes life hits you in the head with a brick. Don’t lose faith. I’m
convinced that the only thing that kept me going was that I loved what I did.
You’ve got to find what you love. And that is as true for your work as it is
for your lovers. Your work is going to fill a large part of your life, and the
only way to be truly satisfied is to do what you believe is great work. And the
only way to do great work is to love what you do. If you haven’t found it yet,
keep looking. Don’t settle. As with all matters of the heart, you’ll know when
you find it. And, like any great relationship, it just gets better and better
as the years roll on. So keep looking until you find it. Don’t settle.

My third story is about death.

When I was 17, I read a quote that went something like: “If
you live each day as if it was your last, someday you’ll most certainly be
right.” It made an impression on me, and since then, for the past 33
years, I have looked in the mirror every morning and asked myself: “If
today were the last day of my life, would I want to do what I am about to do
today?” And whenever the answer has been “No” for too many days
in a row, I know I need to change something.

Remembering that I’ll be dead soon is the most important tool I’ve
ever encountered to help me make the big choices in life. Because almost
everything — all external expectations, all pride, all fear of embarrassment or
failure – these things just fall away in the face of death, leaving only what
is truly important. Remembering that you are going to die is the best way I
know to avoid the trap of thinking you have something to lose. You are already
naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30
in the morning, and it clearly showed a tumor on my pancreas. I didn’t even
know what a pancreas was. The doctors told me this was almost certainly a type
of cancer that is incurable, and that I should expect to live no longer than
three to six months. My doctor advised me to go home and get my affairs in
order, which is doctor’s code for prepare to die. It means to try to tell your
kids everything you thought you’d have the next 10 years to tell them in just a
few months. It means to make sure everything is buttoned up so that it will be
as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a
biopsy, where they stuck an endoscope down my throat, through my stomach and
into my intestines, put a needle into my pancreas and got a few cells from the
tumor. I was sedated, but my wife, who was there, told me that when they viewed
the cells under a microscope the doctors started crying because it turned out
to be a very rare form of pancreatic cancer that is curable with surgery. I had
the surgery and I’m fine now.

This was the closest I’ve been to facing death, and I hope it’s
the closest I get for a few more decades. Having lived through it, I can now
say this to you with a bit more certainty than when death was a useful but
purely intellectual concept:

No one wants to die. Even people who want to go to heaven don’t
want to die to get there. And yet death is the destination we all share. No one
has ever escaped it. And that is as it should be, because Death is very likely
the single best invention of Life. It is Life’s change agent. It clears out the
old to make way for the new. Right now the new is you, but someday not too long
from now, you will gradually become the old and be cleared away. Sorry to be so
dramatic, but it is quite true.

Your time is limited, so don’t waste it living someone else’s
life. Don’t be trapped by dogma — which is living with the results of other
people’s thinking. Don’t let the noise of others’ opinions drown out your own
inner voice. And most important, have the courage to follow your heart and
intuition. They somehow already know what you truly want to become. Everything
else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog,
which was one of the bibles of my generation. It was created by a fellow named
Stewart Brand not far from here in Menlo Park, and he brought it to life with
his poetic touch. This was in the late 1960′s, before personal computers and
desktop publishing, so it was all made with typewriters, scissors, and polaroid
cameras. It was sort of like Google in paperback form, 35 years before Google
came along: it was idealistic, and overflowing with neat tools and great

Stewart and his team put out several issues of The Whole Earth Catalog, and
then when it had run its course, they put out a final issue. It was the mid-1970s,
and I was your age. On the back cover of their final issue was a photograph of
an early morning country road, the kind you might find yourself hitchhiking on
if you were so adventurous. Beneath it were the words: “Stay Hungry. Stay
Foolish.” It was their farewell message as they signed off. Stay Hungry.
Stay Foolish. And I have always wished that for myself. And now, as you
graduate to begin anew, I wish that for you.

Stay Hungry. Stay Foolish.

Thank you all very much.


E-Signatures for Real Estate and Mortgage Industry – Ask the Questions?

October 1st, 2011 1 comment

Thinking about adding secure and efficient e-Signatures to your current
workflow? Well, quite bluntly, not all vendors offering e-Sign solutions are
the same. Just this week we heard of a REALTOR® that ‘grabbed’ an tablet e-Sign
app off the Internet and actually used this tool on a real estate transaction. When asked about levels of security, tamper evident audit trails, non-repudiation and lenders, Fannie Mae, County Recorders acceptance, etc., blank stare – huh?

As electronic and digital signatures affixed to contracts and agreements continue to gain adoption, seems like everyone is now  jumping on the bandwagon. We also read where a Mortgage vendor,  now claiming expertise, is offering this solution for Free, huh? Same compliance questions – who has certified or willing to accept these as binding?

When it comes to Real Estate and Mortgages, our 30 year old domain experience has advanced our vision for a complete digital, electronic and paperless real estate and mortgage transaction over the Internet. Having collaborated with Industry experts and pioneers for complete ‘buy-in’ we now enjoy at least a 4-5 year head start  and provide the Industry’s  ‘Holy Grail’ - a pure electronic end-to-end solution – from opening to closing (and beyond).

In another example, the real estate promissory note is probably the highest liability document any consumer will ever sign (representing the asset and in some residential markets that could translate to a $ 10 million or more risk) yet many so called e-Signed experts have not even approached, no less been certified by, the required compliance agencies, huh?

Not all e-Sign vendors are alike – ask the questions.