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The Financial Crisis and Hardship Could Not Hold Her Back: How Entrepreneur Monika Tapia Overcame All Odds

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If you have not yet to heard of Ivan and Monika Tapia, you are in for one inspirational story. The two entrepreneurs are a classic encapsulation of the American dream, and a continually driven power couple to boot. It is rare to hear of a started from the bottom” story these days, but that is what makes them so powerful. The inspirational essence of their tale is not lost on Ivan and Monika, and they reflect on the roots of their success every day as they strive to achieve their main goal: helping the less fortunate achieve the position they have worked so hard to obtain.

The words that Monika Tapia lives her life by are these: Success is not a destiny or a place you arrive, it is a way of life.” Upon realizing the trials and hardships that she and her husband faced, this wisdom rings all the more true. Monika stood by her husband as he struggled to navigate the torturous waves set forth by the 2008 financial crisis. Ivan lost his career at an engineering firm the week before the couple was to celebrate their first wedding anniversary. With fierce competition in his field and a countrywide economic downturn to contend with, he soon could not afford their debts, and the two had no choice but to move back to his hometown of Tijuana, Mexico. Soon after, Monika discovered that she was pregnant. It was a bittersweet moment that highlighted their lifes theme of beauty among struggle. Through all the turbulent times, they remained vigilant and stood by one another, a true testament to success as a way of life. For Monika, its not how hard you fall, its how many times you get back up.

There will be many obstacles in your growth such as lack of clarity, not knowing where to start, lack of discipline. It costs a lot of money, loneliness and lack of support, but to move forward you need to want to win.” She declares. Upon finally obtaining employment, Ivan worked tirelessly to hold down a steady job while developing his own multi-level marketing business. In spite of family members questioning Monikas involvement with a man who could barely afford their small house in Tijuana, even encouraging her to leave him at times, she saw his true potential. Over the course of a few years of incredibly hard work and long hours, Ivan turned his business into a multi-million dollar generating endeavor, with Monika as his partner in both love and lucrative business endeavors.

Monika and Ivan decided to take their hard-won status and turn it into a platform to give back to others who seek to invert their low status in life. Never forgetting the months she spent pregnant and depressed on a mattress in a house with no furniture, Monika vowed to enrich the lives of others with the knowledge necessary to navigate a tumultuous and unpredictable economy. The couple has already educated thousands of students in the ways of entrepreneurship, assisting over 300 people earn incomes of over $10,000 monthly, and even producing a few millionaires.

Monika also has a major presence in media. She is a columnist for multiple digital magazines and newspapers, and has even written a best-selling book that is currently being translated to English. She is responsible for the creation of her daughters brand Rich & Mind Kids, and manages her daughters social media status as an influencer. With further endeavors in the fields of fashion and her own social media presence, she is prepared for any economic hiccups through her multifaceted streams of income. We currently have more than 30 different sources of income. We know the importance of not depending on one.” She explains.

After living the lowest of lows and building up an enviable life for themselves, this power-couple is ready to take on anything. As young as Monika is, through her trying times she has developed the wisdom of an elder, and yet still has so much more time to cultivate knowledge. She eloquently illuminates the barrier between oneself and success as such: Life happens very fast, many things you postpone and others you simply cancel. What you desire stops being important because you consider that you are not of the right age, that the condition you are in does not allow for those desires, or that you do not have the resources. These are all excuses that in the end will leave you with remorse.” It is unfathomable to imagine what Ivan and Monika have yet to achieve, when they are so inherently successful, and have discovered the secret to their true potential already.

Instagram : https://instagram.com/monikatapiaoficial

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Business

Private Listings by Harold X. Clarke: A New Approach to Fine Real Estate

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Photo credit: Private Listings by Harold X. Clarke.

Byline: Andi Stark

Private Listings by Harold X. Clarke, a real estate platform operating across Hawaii, is rewriting how properties are bought and sold in the region. Unlike larger firms reliant on public listings and mass marketing, Private Listings’ strategy prioritizes personalization, privacy, and meticulous curation of ultra-high-end, off-market properties, including oceanfront estates, gated community residences, and architectural masterpieces.

Harold Clarke, founder of Private Listings, describes their method as one that rejects “cookie-cutter solutions in favor of understanding the nuances of both buyers and sellers.” This approach has resonated with ultra-high-net-worth individuals (UHNWIs) seeking refined and discreet real estate transactions.

The Hawaiian real estate market remains a hub for global investors, with the median price for a single-family home in the state reaching $900,000 in 2024, according to the Hawaii Association of Realtors. Within this competitive landscape, Private Listings is building up to be a trusted name for properties that extend beyond luxury into generational investments.

Challenging the Industry Norms

Private Listings deliberately avoids the conventions of large-scale real estate firms. By focusing on fewer, higher-value properties, the company ensures that each transaction is treated with the same level of care and confidentiality.

Public listing platforms, while effective for broader markets, often expose sellers to unnecessary attention or unqualified inquiries. For Clarke, this model is misaligned with the needs of UHNWIs. “Privacy isn’t a luxury for our clients—it’s a necessity,” Clarke explains.

This philosophy has led Private Listings to handle some of Hawaii’s most significant real estate transactions, including off-market properties valued at over $40 million. Its success is not measured by the volume of listings but by the depth of trust built with clients, many of whom return for subsequent transactions.

Adapting to Changing Client Demands

While Private Listings maintains a foundation of traditional practices, the firm also recognizes the evolving needs of its clientele. The global real estate market is increasingly influenced by concerns over digital security, with a 15% rise in data breaches targeting high-net-worth individuals in the past three years, according to cybersecurity firm NortonLifeLock.

To address these risks, Private Listings employs rigorous screening for potential buyers and uses secure platforms for communication and transactions. The firm’s “by invitation only” model ensures that clients remain protected from the pitfalls of public exposure. Clarke notes, “Our goal is not just to sell homes but to create an environment where clients feel safe and confident during every step of the process.”

The Human Element in Real Estate Transactions

Despite advancements in technology, Private Listings firmly believes that real estate transactions cannot be reduced to algorithms or automation. Unlike firms that depend heavily on online data aggregation, Private Listings emphasizes human connection and insight.

The company’s sales strategy integrates personalized client interactions, in-depth market analysis, and years of experience navigating Hawaii’s unique real estate ecosystem. Clarke’s background in managing family assets and his global perspective is significant in shaping this essence.

Future Directions for Private Listings by Harold X. Clarke

As Hawaii continues to attract global attention, Private Listings aims to expand its influence within the state while maintaining its core principles. The company is currently developing a new platform to streamline services for UHNWIs, blending their demand for discretion with seamless access to Hawaii’s finest off-market properties.

Additionally, Private Listings is strengthening its ties with local communities, recognizing that sustainable growth benefits both the company and the islands’ ecosystems.

Private Listings by Harold X. Clarke has set itself apart in Hawaii’s real estate scene by moving away from the typical mass-market approach. Through a mix of traditional values and modern sensibilities, the firm continues to define what it means to transact ultra-high-value properties with integrity and care.

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