@rubytech/create-maxy-code 0.1.26 → 0.1.28

package/payload/platform/plugins/estate-business/skills/business-growth/SKILL.md

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+---
+name: business-growth
+description: "Grow confidence, time leverage, and execution systems. Big goals, future-self behavior, ruthless focus, and evolution — without toxic hustle or bravado."
+---
+
+# Business Growth
+
+You help the user upgrade their operating system: confidence, preparation, time leverage, and disciplined execution — so they can scale.
+
+## Core principles
+
+1. **Big energy is substance-backed confidence.** Not bragging, not ego.
+2. **Be the future-you now.** Act like the person who already runs the bigger business — then do the work to earn it.
+3. **Minutes are money.** Protect high-leverage time; delegate low-leverage work.
+4. **Evolve or die.** Markets shift; staying still is a strategy for irrelevance.
+
+## Guardrails
+
+- Never encourage deception. "Perception" must be backed by real preparation.
+- Never encourage unethical pressure tactics.
+- Never encourage burnout as a badge of honor.
+
+## Additions for a scaling UK estate agency
+
+### 1) Dan Martell — Buy Back Your Time (leverage-first hiring)
+Use the buyback principle:
+- don't hire to "grow"; hire to **remove low-value tasks from the leader's calendar**
+- audit → transfer → fill (with high-value work)
+- calculate effective hourly rate and delegate anything below it
+
+Reference: `references/buy-back-your-time.md`.
+
+### 2) Keller models — 33 Touch + organisational growth path
+Use Keller's business-building logic:
+- lead generation is non-negotiable
+- database is the asset
+- scale through leverage: admin → buyer agent → listing specialist
+
+Reference: `references/keller-org-model.md`.
+
+### 3) Lencioni team models (leadership + culture)
+When the user asks about team dysfunction, meetings, leadership and culture:
+- build trust first
+- encourage productive conflict
+- get commitment (clarity over certainty)
+- enforce accountability
+- focus on results
+
+Reference: `references/lencioni-team-models.md`.
+
+### 4) Team roles & commission structures
+Use a clear roles chart (principal, lead agent, supporting agent, campaign manager, sales associate, admin) and align incentives.
+
+Reference: `references/team-roles-commission.md`.
+
+### 5) Wingman structure (remote/offshore leverage)
+Use a wingman/VA model for:
+- admin
+- marketing ops
+- database hygiene
+- vendor reports
+- campaign management
+
+Reference: `references/wingman-structure.md`.
+
+### 6) VA 2026 (estate agency ops playbook)
+Include specific responsibilities:
+- vendor reports
+- on-market tracker
+- seller onboarding + compliance
+- buyer registration + qualifying
+- viewing coordination
+- neighbour campaigns + anniversary campaigns
+- sales progression board
+- content scheduling
+
+Reference: `references/va-2026-ops.md`.
+
+### 7) Serhant — Business in a Box (systems + time audit + CRM playbook)
+Use it for:
+- time audit (minutes equal money)
+- time blocking / eat the frog / Eisenhower
+- CRM choice + organisation
+- listing playbook mindset
+
+Reference: `references/serhant-bizinbox-notes.md`.
+
+### 8) Firewave GOST + scorecards
+Help the user plan growth like a business:
+- set GOAL / OBJECTIVE / STRATEGY / TACTICS
+- run a monthly scorecard (output + results)
+
+Reference: `references/firewave-gost-scorecards.md`.
+
+### 9) Listing management system (12-week L/O cadence)
+Use a simple weekly checklist:
+- **L = Letter**
+- **O = Offer**
+
+Reference: `references/listing-management-system.md`.
+
+### 10) Net figure forms (fee defence + value framing)
+Use the net figure form to explain:
+- the cheapest agent can be the most expensive
+- focus on net outcome, not headline fee
+
+Reference: `references/net-figure-form.md`.
+
+## How to respond when the user asks "how do I scale?"
+
+Default questions:
+1) What's your current weekly GCI target and actual?
+2) What are you doing that only you can do?
+3) What's the single biggest bottleneck (lead gen, conversion, admin, delivery, recruitment)?
+
+Then propose a 30-day plan:
+- buy back time (delegate 3–5 tasks)
+- lock lead-gen time blocks
+- implement one scorecard
+- implement listing management cadence
+
+## References (load as needed)
+
+- **Buy Back Your Time** → `references/buy-back-your-time.md`
+- **Keller org model** → `references/keller-org-model.md`
+- **Lencioni team models** → `references/lencioni-team-models.md`
+- **Team roles + commission** → `references/team-roles-commission.md`
+- **Wingman structure** → `references/wingman-structure.md`
+- **VA 2026 ops** → `references/va-2026-ops.md`
+- **Serhant BizInBox notes** → `references/serhant-bizinbox-notes.md`
+- **Firewave GOST + scorecards** → `references/firewave-gost-scorecards.md`
+- **Listing management** → `references/listing-management-system.md`
+- **Net figure form** → `references/net-figure-form.md`

package/payload/platform/plugins/estate-business/skills/business-growth/references/buy-back-your-time.md

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+# Buy Back Your Time (Dan Martell) — practical notes
+
+## Buyback principle
+Hire to **buy back your time**, not just to grow.
+
+## Buyback loop
+1) **Audit**: track tasks for 2 weeks
+2) **Transfer**: delegate/automate
+3) **Fill**: replace freed time with high-value work
+
+## Effective hourly rate (EHR)
+Target annual income ÷ 2,000 hours = £/hour.
+Delegate anything that can be done for <25% of EHR.
+
+## DRIP matrix
+- **D**elegation: someone else can do it
+- **R**eplacement: someone else can do it better
+- **I**nvestment: you should do it to build skill
+- **P**roduction: directly generates revenue
+
+## Estate agent application
+Leader protects time for:
+- lead gen
+- listings
+- negotiations
+- recruitment
+- partnerships
+
+Delegate:
+- diary admin
+- marketing ops
+- vendor reports
+- CRM updates
+- chasing paperwork
+
+## Camcorder method
+Record yourself doing a task once → turn into SOP → delegate.

package/payload/platform/plugins/estate-business/skills/business-growth/references/firewave-gost-scorecards.md

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+# Firewave GOST + scorecards
+
+## GOST
+- **Goal** (big, yearly)
+- **Objective** (specific metrics + timeframe)
+- **Strategy** (one-sentence approach)
+- **Tactics** (multi-channel actions)
+
+## Monthly scorecard
+Track:
+- outputs (direct mail sent, content posted, funnels)
+- results (valuations, instructions, stock #, pipeline, average fee)
+
+Rule: measure what drives growth, not vanity metrics.

package/payload/platform/plugins/estate-business/skills/business-growth/references/keller-org-model.md

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+# Keller organisational model (estate agency)
+
+## Stages
+1) Agent (does everything)
+2) Business owner (hires leverage)
+3) Entrepreneur (leads the business)
+
+## Typical order of hires
+1) **Admin assistant** (compliance, scheduling, database)
+2) **Buyer agent** (viewings, buyer management)
+3) **Listing specialist** (scale listings)
+
+## Key belief
+Listings build businesses; buyers can become jobs unless systemised.
+
+## 33 Touch
+Database is the asset: 33 meaningful touches/year keeps you remembered.

package/payload/platform/plugins/estate-business/skills/business-growth/references/lencioni-team-models.md

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+# Patrick Lencioni — team models
+
+## Five Dysfunctions pyramid
+1) Absence of trust
+2) Fear of conflict
+3) Lack of commitment
+4) Avoidance of accountability
+5) Inattention to results
+
+## Leader actions
+- model vulnerability to build trust
+- mine for conflict (ask for disagreement)
+- force clarity (commitment over consensus)
+- create peer accountability
+- track shared results publicly
+
+## Five Temptations (CEO)
+- status over results
+- popularity over accountability
+- certainty over clarity
+- harmony over productive conflict
+- invulnerability over trust

package/payload/platform/plugins/estate-business/skills/business-growth/references/listing-management-system.md

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+# Listing Management System (12-week cadence)
+
+Use a simple checklist per listing:
+- **L = Letter** (seller-facing update/value)
+- **O = Offer** (offer/price conversation activity)
+
+Each week tick that you delivered:
+- a meaningful vendor touch
+- a pricing/offer strategy touch
+
+Goal: keep momentum and avoid “silent listings”.

package/payload/platform/plugins/estate-business/skills/business-growth/references/net-figure-form.md

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+# Net figure form (fee defence)
+
+## Purpose
+Show that net outcome matters more than headline fee.
+
+Example logic:
+- Agent A: lower fee but lower sale price / weaker marketing
+- Agent B: slightly higher fee but higher achieved price + better campaign
+
+Line to use:
+“The cheapest agent is the one that gets you the best price.”

package/payload/platform/plugins/estate-business/skills/business-growth/references/serhant-bizinbox-notes.md

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+# Serhant — Business in a Box (selected notes)
+
+## Minutes equal money
+Run a 3-day time audit in 15-minute blocks to identify low-value tasks.
+
+## Time management methods
+- time blocking
+- eat the frog
+- Eisenhower matrix
+
+## CRM playbook mindset
+- organise contacts once and for all
+- your job is lead generation; delegate admin

package/payload/platform/plugins/estate-business/skills/business-growth/references/team-roles-commission.md

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+# Team roles + commission structures (example responsibilities)
+
+Use clear role ownership to prevent chaos.
+
+## Example roles
+- **Principal / Team Leader**: listings, negotiations, standards, recruitment
+- **Senior Sales Executive / Lead Agent**: listings + selling
+- **Supporting Agent**: OFIs, buyer follow-up, overflow
+- **Campaign Manager**: sign-up to sale process, marketing admin
+- **Sales Associate**: OFIs, admin support, kits, directionals
+- **Property admin**: compliance, contracts, invoicing
+
+## Rule
+Align incentives with role outcomes (appointments booked, listings won, exchanges).

package/payload/platform/plugins/estate-business/skills/business-growth/references/va-2026-ops.md

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+# VA 2026 — Remote operations playbook (UK estate agency)
+
+## Property & vendor ops
+- weekly vendor reports (Canva) via WhatsApp/email
+- on-market tracker per listing
+- track social posts, weekly report, photos reorder, match to new buyers
+
+## Seller onboarding
+- terms of business, questionnaires, AML links
+- CRM onboarding + compliance
+- upload media (photos, floorplans, video, EPC)
+- YouTube upload + “coming soon/just launched” graphics
+
+## Buyer registration
+- capture buying position, funding method, timescales
+- ask: mortgage and solicitor instructed?
+
+## Enquiries & viewings
+- respond to enquiries
+- qualify basics
+- propose viewing slots, check diary, confirm and log
+
+## Neighbour campaigns
+- prep templates (new to market / sale agreed / completion)
+- personalise by street
+- maintain street campaign log
+
+## Anniversary campaigns
+- identify completions at 1/3/5 years
+- create letters/cards + valuation prompt
+
+## Feedback handling
+- call after viewings
+- log feedback, flag strong interest/objections
+- if offering: ask buyer to email offer + position + funding
+
+## Sales progression
+- maintain a live board for each agreed sale
+- track milestones: offer accepted → solicitors → mortgage → exchange → completion
+
+## Content & brand
+- ensure each listing posted regularly while live
+- maintain a content log per property

package/payload/platform/plugins/estate-business/skills/business-growth/references/wingman-structure.md

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+# Wingman structure (remote leverage)
+
+A remote professional can do:
+- CRM updates and hygiene
+- proposals (Canva/Realhub/CampaignTrack templates)
+- just listed/just sold comms
+- direct mail merge letters
+- vendor reports
+- social scheduling
+- list generation (past appraisals, expired/withdrawn)
+
+## Rule
+The leader should stop being the CRM admin. Buy back time first.

package/payload/platform/plugins/estate-business/skills/business-operations/SKILL.md

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+---
+name: business-operations
+description: "Business systems for estate agents — CRM, budgeting, hiring, delegation, team management, time leverage, and scaling from solo agent to team leader."
+---
+
+# Business Operations
+
+Guides business systems and structures that turn a solo agent into a scalable business.
+
+## When to Activate
+
+The agent asks about CRM setup, budgeting, hiring, delegating, team management, business structure, cash flow, scaling, or is doing everything themselves and burning out.
+
+## Reference Table
+
+| Task | When | Reference |
+|------|------|-----------|
+| CRM & contacts | Organising database, contact cadence | `references/crm-systems.md` |
+| Hiring & delegation | Considering first hire or expanding team | `references/hiring-guide.md` |
+| Team management | Has a team and needs structure | `references/team-management.md` |
+| IMPACT framework | Needs a discipline/operating system | `references/impact-framework.md` |
+| Time leverage | Struggling with productivity | `references/minutes-equal-money.md` |
+
+## Key Rules
+
+- Systems enable growth. Without them, more business just means more chaos.
+- Start simple. A spreadsheet beats a complex CRM that never gets used.
+- The first hire should remove tasks that stop the agent from finding business (Finder time).
+- Always frame investment in systems/people as ROI, not cost.
+- Use the IMPACT framework (Immediate, Measured, Profit, Accountability, Core Focus, Talent) as the operating system for agent business discipline.
+- UK-specific context: employment law, HMRC, sole trader vs limited company considerations.
+- The best CRM is the one you actually update — if you won't log a contact within 5 minutes of meeting them, the system is too complex.

package/payload/platform/plugins/estate-business/skills/business-operations/references/crm-systems.md

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+# CRM & Contact Management
+
+## Why CRM Matters
+
+Your database is your business. Every contact is a potential instruction, referral, or repeat client. If contacts are scattered across phone, email, WhatsApp, and sticky notes — you're leaking money.
+
+## Choosing a CRM
+
+Don't overthink this. Pick one you'll actually use:
+- **Simple:** Google Contacts + spreadsheet tracking (free, works)
+- **Mid-range:** GoHighLevel / Lead Rocket (popular with eXp agents)
+- **Estate agent specific:** Street.co.uk, Kerfuffle-recommended options
+
+**The best CRM is the one you actually update.**
+
+## The CRM Playbook (Serhant)
+
+### Organise Your Contacts
+
+Every contact gets categorised:
+- **A-list (Hot):** Active buyers/sellers, current pipeline. Contact weekly.
+- **B-list (Warm):** Past clients, referral sources, interested but not active. Contact monthly.
+- **C-list (Cold):** Everyone else — met once, old enquiries, door knocks. Contact quarterly.
+
+### Mandatory Fields
+- Name, phone, email
+- How you met / source
+- Property interest (buyer/seller/landlord/investor)
+- Last contact date
+- Next action date
+- Notes (personal details — kids' names, hobbies, circumstances)
+
+### Contact Discipline
+- **Add every new person within 24 hours.** If it's not in the CRM, it didn't happen.
+- **Log every interaction.** Calls, texts, emails, meetings.
+- **Set next actions.** Every contact should have a "next touch" date.
+- **Clean quarterly.** Remove duplicates, update details, re-categorise.
+
+## Database Communication Cadence
+
+- **A-list (Hot):** Weekly — call + personal message
+- **B-list (Warm):** Monthly — value-led email/message + quarterly call
+- **C-list (Cold):** Quarterly — newsletter + annual personal touch
+
+**The Rule:** Every contact in your database should hear from you at least 4 times per year.
+
+## Sphere of Influence
+
+Beyond clients, maintain relationships with:
+- Mortgage brokers (referral goldmine)
+- Solicitors / conveyancers
+- Surveyors
+- Interior designers / stagers
+- Builders / tradespeople
+- Financial advisors
+
+These people interact with property buyers and sellers daily. A warm referral from a trusted professional is worth more than 100 cold calls.

package/payload/platform/plugins/estate-business/skills/business-operations/references/hiring-guide.md

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+# Hiring & Delegation Guide
+
+## When to Hire
+
+**The Formula (Tom Panos):**
+- Solo agent: 3-4 sales/month capacity
+- Agent + 1 PA (admin): 5-6 sales/month
+- Agent + 2 (admin + sales PA): 7-8 sales/month
+- Agent + 3 (admin + buyer's agent + sales PA): 10+ sales/month
+
+If you're consistently turning away business or working 60+ hours, it's time.
+
+## Your First Hire
+
+**Always admin first.** Free up your Finder time. Tasks to delegate:
+- Scheduling viewings
+- Preparing particulars / marketing materials
+- Data entry and CRM updates
+- Correspondence and chasing
+- Social media scheduling
+- Filing and compliance paperwork
+
+**Cost justification:** If your average fee is £5,000 and a PA costs £25,000/year, you only need 5 extra completions to cover the cost. If the PA frees up 15 hours/week for prospecting, that's easily achievable.
+
+## The Hiring Process
+
+### 1. Identify
+Define the specific tasks, skills needed, and outcomes expected. Don't hire a generalist — hire for the specific gap.
+
+### 2. Search
+- LinkedIn (professional roles)
+- Indeed / Reed (admin/support)
+- Your network (word of mouth is often best)
+- Social media (attracts people who already follow you)
+
+### 3. Sift
+- Technical roles: test their skills
+- Creative roles: review portfolio, test their thinking
+- All roles: culture fit matters as much as skills
+
+### 4. Trial
+- UK: typically 3-6 months probation
+- Clear expectations and measurable goals
+- Weekly check-ins for the first month, fortnightly after
+
+## The One-to-One Template
+
+Monthly team reviews — 30 minutes:
+
+**About You (10 mins):** How are things? What would you like to do more/less of? Career progression?
+**About Us (10 mins):** Things we're planning, things to discuss
+**The Future (10 mins):** Stop doing / start doing / keep doing + action items
+
+## Delegation Rules
+
+1. **Delegate the task, not just the work.** Give context, not just instructions.
+2. **Accept 80% quality initially.** They won't do it exactly like you.
+3. **Don't take it back.** If they struggle, coach them.
+4. **Your time has a value.** If you earn £200/hour selling and spend 3 hours on admin, you're losing £600.

package/payload/platform/plugins/estate-business/skills/business-operations/references/impact-framework.md

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+# IMPACT Framework
+*Source: Sales Agent Business Plan*
+
+## The Six Pillars
+
+### I — Immediate
+Act on opportunities NOW. Speed of response is a competitive advantage.
+- Respond to every enquiry within 5 minutes during business hours
+- Book appointments today, not "sometime this week"
+- Follow up on viewings within 2 hours
+- The first agent to respond gets the instruction 80% of the time
+
+### M — Measured
+Track everything that matters. What gets measured gets managed.
+- Weekly: calls made, appointments booked, viewings conducted
+- Monthly: instructions won, offers received, completions
+- Quarterly: conversion rates, average fee, revenue vs target
+- Know your numbers cold — if asked "how many calls did you make this week?" you should know instantly
+
+### P — Profit
+Every activity should connect to revenue. Time is money — literally.
+- Calculate your hourly rate: annual target ÷ working hours
+- If your target is £100k and you work 2,000 hours, your time is worth £50/hour
+- Every hour spent on admin instead of prospecting costs you that rate
+- Finder vs Keeper vs Grinder: maximise Finder time (revenue-generating activities)
+
+### A — Accountability
+Hold yourself to the standard you set. No excuses.
+- Set weekly non-negotiables (minimum calls, viewings, social posts)
+- Review every Friday: did you hit them?
+- If not — why not? What blocked you? How do you fix it?
+- Find an accountability partner or group (mastermind, coaching, colleague)
+
+### C — Core Focus
+Identify the 3 activities that drive 80% of your results. Do those first.
+- For most agents: prospecting, viewings, negotiation
+- Everything else is support — delegate or batch it
+- Morning = prospecting (highest energy, highest value)
+- Afternoon = viewings, follow-ups, admin
+
+### T — Talent
+Invest in yourself. The best agents never stop learning.
+- Read one industry book per quarter
+- Attend one training event per quarter
+- Listen to podcasts during travel time
+- Role-play scripts with colleagues
+- Seek coaching when you plateau

package/payload/platform/plugins/estate-business/skills/business-operations/references/minutes-equal-money.md

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+# Minutes = Money: Time Leverage for Estate Agents
+
+## The Calculation
+
+Your time has a monetary value. Calculate it:
+
+**Annual income target ÷ Working hours per year = Hourly rate**
+
+Example: £100,000 target ÷ 2,000 hours = £50/hour
+
+Every hour you spend on a task that could be delegated for less than £50/hour is money lost.
+
+## The Three Roles (Serhant)
+
+Every agent plays three roles:
+
+### Finder (Revenue Generator)
+- Prospecting, networking, relationship building
+- Listing appointments, valuations
+- Negotiating deals
+- **This is where your £50/hour+ value lives**
+
+### Keeper (Relationship Maintainer)  
+- Client updates, vendor communication
+- Database maintenance, follow-ups
+- Social media engagement
+- **Worth £20-30/hour — can partially delegate**
+
+### Grinder (Admin/Operations)
+- Paperwork, compliance, data entry
+- Scheduling, email management
+- Marketing material preparation
+- **Worth £10-15/hour — delegate first**
+
+## The Time Audit
+
+For one week, track every 30-minute block:
+1. What did you do?
+2. Was it Finder, Keeper, or Grinder?
+3. Could someone else have done it?
+
+**Target split:**
+- 50%+ Finder time
+- 30% Keeper time
+- 20% or less Grinder time
+
+Most solo agents are inverted: 60% Grinder, 25% Keeper, 15% Finder. That's why they're stuck.
+
+## Quick Wins
+
+1. **Batch admin** — don't do it throughout the day. Block 1 hour in the afternoon.
+2. **Morning = prospecting** — your highest energy for your highest value activity
+3. **Automate what repeats** — templates for emails, viewing confirmations, update messages
+4. **Delegate the first thing that annoys you** — that's usually the easiest to hand off
+5. **Say no to time-wasters** — unqualified viewers, meetings with no agenda, endless email chains

package/payload/platform/plugins/estate-business/skills/business-operations/references/team-management.md

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+# Team Management
+
+## The Magic 50s System (Team LANC — Adapted for UK)
+
+Systematic prospecting framework for consistent pipeline generation:
+
+### Just Listed Protocol
+1. Letters/leaflets to 500 neighbours before first viewing
+2. Database broadcast — "Just listed in your area"
+3. Saturation calls to neighbour list — personal invite
+4. Database calls to pipeline contacts from that postcode
+5. Detailed reporting before first viewing
+
+### Just Sold Protocol
+1. Immediate broadcast — "Just sold in your area"
+2. Saturation calls to neighbours — "We have unsuccessful buyers looking"
+3. Database calls to pipeline contacts
+4. Letters/leaflets with result highlights
+5. All within 24 hours
+
+### The 8 Focus Areas
+1. Magic 50s (neighbour prospecting on every instruction and sale)
+2. Database + Pipeline communication (every contact, every 3 months minimum)
+3. Buyer work (hot buyer list, 10-day follow-up)
+4. Open homes/viewings (world-class presentation and follow-up)
+5. Print and direct mail (consistent, targeted)
+6. Personal marketing (monthly newsletter, quarterly profile pieces)
+7. Social media (40% listings, 20% family, 10% lifestyle, 10% education, 10% community, 10% industry)
+8. Pricing strategy (30-day set to sell, 1 offer in first week target)
+
+## Performance Reviews
+
+**Structured framework:**
+- Monthly one-to-ones (30 min)
+- Quarterly performance reviews (45 min, data-driven)
+- Annual goal-setting session
+
+**Key metrics per team member:**
+- Valuations conducted, instructions won (conversion rate)
+- Viewings conducted, offers received and accepted
+- Completions, average fee percentage
+- Customer satisfaction / reviews generated
+
+## Team Culture (Serhant Pact — Adapted)
+
+**Take Responsibility:** Adhere to listing protocol, send updates on time, be on top of your listings
+**Be Respectful:** Reply same day, treat clients and team like family, accept constructive criticism
+**Keep Improving:** Take initiative to learn, can-do attitude, share what you learn