Entries by Pat Sawler

Can’t do it alone

Everyone is familiar with the African proverb that “it takes a village to raise a child.” What this means is that we can’t do it alone. Nobody who has ever achieved a high level of success in life can truly say that they have done it all on their own. It takes a village or a team in most cases to achieve success. For example high performance athletes have nutritionists, physiotherapists, massage therapists, coaches and personal trainers to help them achieve success and stay at the highest level of their game.

The mentality of all for one and one for all is selfish. Personal rights and freedoms should never come at the expense of the safety and wellbeing of the population in general. I am not telling you that you can’t go out and have a few drinks and enjoy … Read more

Be Relentless

Life is tough and not fair from time to time, but in order to succeed you need to be relentless.

Be relentless on prospecting

Be relentless on follow-up

Be relentless on caring

Be relentless on loving

Be relentless on saving

Be relentless on training

You get the point, there is no free rides. Those who succeed did not get there over night, they did it though hard work and determination.

“We will be relentless in our pursuit for perfection. We won’t ever be perfect, but in the process we will achieve greatness.” Vince Lombardi

Today I am thankful for an exhausting sweaty workout in my garage early this morning, referral partners who think of me to take care of their clients and that Friday feeling.

I look forward to hearing from you in regard to your mortgage needs.


p.s- … Read more

Rate change

Last night I received notification from several of my lenders that they were reducing their 5 year fixed rate. Depending on the lender reductions were anywhere from 10 to 40 basis points. Remember one hundred basis points = 1%. However you know what did not change? The variable rates did not change. This is because the variable rates are based on the bank of Canada prime lending rate and the fixed rates are based on bond yields.

If you are renewing your mortgage or buying a new home, I always ask my clients if this will be your forever home. If the answer is yes then there is nothing wrong with the fixed rates. However most 5 year mortgages are broken around the 38 month mark of the 60 month term. If you are on a fixed rate this will … Read more

It’s the little things

It’s the little things that add up over time that make the real difference. Cutting out an hour of tv a day and replacing it will reading will allow you to grow and learn for the rest of your life. Getting up a half hour earlier and exercising will have dramatic effects on your health and well being. Sitting quiet and meditating for 10 mins a day will help calm your mind and handle your day much better.

What small changes can you make to you day that will have profound effects over time? Things like taking the stairs, packing your own lunch, walking during your break, doing 20 pushups a day, saving $5 a day, being mindful, being kind and listening and asking better questions instead of talking.

Today I am thankful for the way that my dog looks … Read more

Love that feeling

I wanted the start the day off on a positive note by reminding you about some great feelings.

Love that feeling you get after a great run.

Love that feeling you get when you embrace a loved one.

Love that feeling you get when a friendly voice calls to see how you are doing when you’re having a rough day.

Love that feeling you get when everyone is happy to see you when you get home.

Love that feeling you get the client’s offer finely sticks after several failed attempts.

Love that feeling you get doing cold calls and the recipient answers with my name and is happy to hear from me.

Today I am thankful for seeing a deer eating pears off a neighbour’s lawn early this morning, for my runner’s high after my run this morning and for … Read more

How many times?

How many times are you willing to keep trying until you have achieved your desired result. The limit for most people is 3 or 4 times. I just listened to an interview that Tim Ferriss did with Sir James Dyson on his podcast and he failed 5,126 times with his vacuum prototype before achieving his desired result.

We don’t give up when teaching our children to walk or talk. Yet we give up so easily when it comes to ourselves. People give up trying to manage their money, they give up on relationships, they give up trying to get fit or loose weight and they give up on trying to live a better life.

Latley I am running onto people giving up when it comes to buying a home in this hot real estate market. In my almost 20 years … Read more

Trusted Advisor

To me it hasn’t seemed that long ago when if you had car trouble someone always had a guy who could fix it at his place. It didn’t matter if it was as simple as brakes or a complicated as major motor work, it was all possible in someone’s back yard. Now vehicles are so complicated it is in your best interest to trust the repairs to the experts at the dealerships or major garage networks.

The same can be said for your taxes. If you were self employed like I am you kept all your receipts in various shoe boxes and worked through them at the end of the year in the hopes that everything made sense. Now it is best to seek the expert advice of a competent tax specialist or accountant. Also no more shoe boxes, everything … Read more

Knowing but not doing

If you are like most, you know a lot about a lot. However are you practicing what you preach? Knowing is one thing and doing it is something else entirely. This is where the rubber meets to road and where you actually start to make progress.

Sure we all know we should read more and watch less tv but are you doing it? The same goes for exercising and eating better, we know we should be doing it and most of us know even what to do but are you doing it? Watching inspirational videos and reading books is the easy part, the true change is found by taking action.

If you are one of many still renting but dreaming of owning some day then it’s time to start doing something about it. Start by saving for your down payment … Read more


And ask better questions. Do this if you find yourself experiencing less than optimal results. Focusing on why things are the way they are if they are not what you want will not help you.

If you are struggling financially, you don’t ask yourself why am I broke. Instead ask yourself how can I learn to save and manage my money better.

If you are overweight, you don’t ask yourself why am I fat and out of shape. Instead ask yourself what activities did I used to enjoy that I am not doing now and how can I make time for them.

If you are over 40 and still renting, you don’t ask yourself how you got there. Instead ask yourself what can you do to change this and save for a down payment for your own place.

The mind … Read more

Under new management

We have often see these signs plastered in the windows of long established business and restaurants. They are meant to indicate that they have improved in many ways over the previous proprietor of the establishment.

The same applies to us as people. Are you happy with how the manger between your ears has been running things. Are you getting the results what you want for the work that you have put in? If not it’s time to fire them and start to implement new ways of thinking so you can generate better results.

Stop thinking of things or events as either good or bad. They are just events in your life period. If they went well or not find out why so you can either replicate them or do better next time. Life is not so much what happens to … Read more