The Three C's

The Three C’s

A while ago I wrote about the 5 C’s of credit, you can check out that post here. Today I want to talk about the 3 C’s, which are perhaps more meaningful towards your life as a whole.

Dale Carnegie wrote a monumental book called “How to win friends and influence people”. The long and the short of it is about how to be a better person. I have read it several times and attended several public speaking seminar’s put on by the company he founded. The one chapter that stands out is the 1st one which is called “Don’t criticize, condemn or complain”. It is the only chapter in the book with a negative title, but it is written that way for a reason.

You see we spend an inordinate amount of time criticizing, condemning or complaining. We … Read more



To say that we are in the midst of a challenging time in our lives is without question. However when you really think about it, there is still so much to be thankful for. My friend Steve Foran has a company called Gratitude at work. He works with companies helping them incorporate gratitude into their daily operations. He also sends out a wonderful day newsletter with new things to be thankful for everyday.

In no particular oder here are just a few things I am thankful for today:

I am thankful for the health of my family and friends specially during this challenging time.

I am thankful for the ability to work from home as well as my wife.

I am thankful for waking up to the sounds of the birds.

I am thankful for rewarding and meaningful work.… Read more

Rapid Covid Test

Get your rapid covid-19 test done

Help control the spread of Covid-19, get your rapid test done. The only way we are going to beat this is if we all get tested then we all get vaccinated. If you are in Halifax this is where to go.

Just got back from taking my daughter Ella to get our rapid asymptotic test done. We are both negative but it felt great to do our part to help control the spread. Test itself takes less than a min, the lineup to get it however too a while but it was well worth it.

Remember to stay 2 meters apart, don’t gather in groups larger than 5, always wear a mast and don’t forget to wash your hands.

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


p.s- You can click on this linkRead more


Things you can still do during lockdown

As we enter our 3rd Covid-19 Lockdown here in Nova Scotia, no it’s not what we wanted but there is still lots for you to do while on lockdown.

You can still go for a walk, a run or even a bike ride. I just got back from a 50 ride on the rails to trails path and it was wonderful and there were plenty of people who had the same idea, however in groups of 5 or less.

You can read a new book. Check out goodreads for a few idea’s.

Even though you can’t travel, there is no better time than now to learn another language. Check out Dulingo and take a few lessons. It’s great.

Just because you can’t personally visit friends and family doesn’t mean that you can’t connect with them. There are plenty of video … Read more

No conditions

Condition free offer’s

In a normal world real estate purchase and sale agreements come with conditions. Typically there are conditions for a property inspection, window coverings, air conditioning or heating equipment and of course financing. However since 2021 real estate market is unlike any other year, many people are writing condition free offer just to improve their changes of becoming the winning bidder.

However as I wrote about back on March 11, this may not be the best idea for most people. There are exceptions to this when your net worth far exceeds the amount of your new purchase. However other than that I would not advise it as there are too many potential landmines.

So when clients and or Realtors ask if they can submit a condition free ofter, my answer is the same if they asked to play blindfolded in … Read more

Stay The Blazes home

Stay The Blazes Home

Back in April of 2020 when we were deep into the first wave of the Covid-19 pandemic former Premier Stephen MacNeil of Nova Scotia famously told the residents of Nova Scotia to “Stay the Blazes home” so we could help flatten the curve and lower our case counts of this virus. Now just over a year later with our daily case numbers rising out of control new Premier Iain Rankin is basically telling us to “ Stay the Blazes home” again.

Some people think that this is an affront to their personal freedom to do whatever they want whenever they want. However this could not be farther from the truth. During a pandemic one person’s selfish action could negatively effect many people. You could be asymptomatic and not realize that you are infected and spread the virus to everyone you … Read more

Feeling Blah


Sometimes for whatever reason you just feel blah. It could be that you’ve not gotten enough sleep or that you have realized that you have worked the last 21 days straight with out taking a break. It happens to the best of us, and today just happens to be one of those days. Like everything in life, this too shall pass.

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



p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).… Read more



Some people say the key to success is massive action. While I think that massive action is definitely a contributing factor, I would rather think that the overwhelming attribute is consistency.

Just because you did a crossfit class this week on Tuesday does not make you fit. The same goes if you became inspired by a weekend seminar and bolted out of the gate on Monday and polished off 75 cold calls to prospective clients. You are no further ahead in both cases if you’re either too sore or too tired to do anything the following day.

It’s best if you start small, make it a daily ritual or pattern then work on adding to it with more intensity and focus as time goes on. You won’t get fit by working out intently once or burning yourself out with massive … Read more

Time Flies

Time Flies

How does the expression go, “Time Flies when you’re having fun”. But you know what, it also flies when you are hard at work. Plan your day and work your plan and it will go much better. Start each day with an objective and it will also make it more fun and challenging at the same time.

The past is gone and the future hasn’t happened yet so put all your attention on your present moment and make the best of it.

Think of all the years passed by in which you said to yourself “I’ll do it tomorrow,” and how the gods have again and again granted you periods of grace of which you have not availed yourself. It is time to realize that you are a member of the Universe, that you are born of Nature itself, and … Read more



For today’s short post I just wanted to share with you one of my Mom’s favourite expressions. This is a very unique real estate market that we are experiencing. Properties are receiving multiple offer’s and pushing sales prices well over asking prices and my lenders are backlogged. What was normally a 4 hour turn around time has now become 4-7 days depending on the lender. Day’s off have become a thing of the past, it’s full speed ahead and time to make hay while the sun shines.

Too blessed to be stressed.

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



p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova … Read more