Never Ending

The process for learning is never ending. It used to be said that when you grew up ( what ever that means) you would not have to take any more courses, classes or do any studying. However since we are always growing and learning or at least we should be, there is always something new to learn.

Those who read regularly are more creative, less stressed, happier and are paid more than those who do not read on a regular basis. Yes it takes time and we are already quite busy, but this is something you need to make the time to do. It’s just like exercise but for your brain.

A few years ago I would read maybe 5-6 books a year, and was very sporadic in my reading habit. That changed last year when I committed to doing at least 20 minutes a day. Last year as a result I read 25 books and this year my goal is to hit 30. I am also taking courses to keep up with the latest and greatest in the world of mortgage brokering.

Just as life is every changing, we must adapt to the changes around us and reading is the best way to do that. There is no standing still, and reading facebook or twitter updates does not count as actual reading. So if you have read this far you should have at least 5 min a day to read and expand your mind. Start with something lite and fun and go from there.

Today I am thankful for my daily reading habit, all the people and the places I have seen as a result and the continued curiosity to learn more.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Extreme Focus

Having extreme focus on small micro tasks will allow you to achieve monumental goals. We far too often get caught up in the pie in the sky big goal that we convince ourselves that we can’t do it. However these big goals are just small micro tasks accomplished and stacked one upon another.

There are plenty of people who are capable of running a marathon which is 26.2 Miles or 42.195 Kilometres. They don’t suddenly wake up the day of the event and decide to do it with out any training. They train for it, even if they have never run before it is still possible. Any training program can be scaled down to the simplest task, so all you have to do is stack one achievement upon another and you will get there.

Focus on what you can control. Sure that distance may seem overwhelming if you don’t run regularly. So just break it down into bite sized pieces and build on it. Start with 400M if you have to, stay consistent and keep adding to it and you will achieve it. This also applies to almost anything that you want to achieve like saving for a down payment on a new home. Start with small actions, repeated regularly will lead you to your objective.

Today I am thankful that I broke part of my workout down to bite sized pieces that made it very easy to complete, a nice quite morning to read my book on the back deck and by excelling at the small things you can achieve so much over time.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Get Lost

Since it is a beautiful summer long weekend, it is also the perfect time to get lost. And no I don’t mean getting lost in the woods, unless that is what you are into then fill your boots as they say here in the Maritimes.

Get lost in conversation with a loved one.

Get lost in thought while enjoying one of our beautiful beaches or lakes.

Get lost in the stores while hanging out with friends & family.

Get lost in playing the game that you forget to keep track of the score.

Get lost in mediation and truly find your inner peace.

Get lost in a good book which is what I will be doing today.

Today I am thankful for the beautiful running trail that is so close to my house, the great book that I just finished and the one that I just started today.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Bang for your buck

People often wonder what gets the most bang for your buck, paying off debt or investing for the future ? Well I think it all boils down to which will give you the greatest return. It is best to look at the costs of your debts, do you just have a mortgage with a rate below 5% or do you also have a line of credit, credit cards and a vehicle loan.

If you can generate a greater return in the market higher than what you are paying to service your high interest credit card debt then by all means invest it in the market. However unless you are Warren Buffett, George Soros or Ray Dalio you should start by paying off your high interest debts before investing in the market.

There is one thing to consider before you put your tax return, your bonus or your big commission towards paying off your debts and that is have you set up and funded your reserve fund? It is important to have a reserve fund with at least 90 days of your living expenses as this will prevent you from falling into credit card debt if you hit a rough patch in the future.

Today I am thankful for a quiet house and the sound of rain, discovering new music or music that I have not heard in a long time by using auto play from Apple Music and for the kind words from clients.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Forward momentum

I find that nothing beats consistency. Good habits done once are meaningless. We all want to eat better, to exercise, have better relationships and to be better with money. However doing all these things once in a blue moon and not on a regular basis will not get you to where you want to go.

This is because our habits define us. If you want to really get to know someone then find out what they do on a regular basis. Great habits will give you lots of forward momentum to achieve your goals while poor habits are like an anchor around your neck.

You don’t have to swing for the fences and take massive actions all at once, but you do have start doing something. So start small and continue with your actions every day and you will be surprised at the results that you can achieve.

Today I am thankful for a great run with a neighbour this morning, closing happening today after months of work and new projects on the horizon thanks for clients who have referred me.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Cottage Life

Sorry I was unavailable most of the day as I spent a well deserved day away at my brother’s cottage. I am thankful for a fun day with family, laughs at my expense and that I lost my sunglasses ( the to bottom of the lake thanks to falling off the seadoo) but found out that nobody liked them anyway.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Seemless process

When you operate a sales business like a mortgage brokerage, a financial planner or a realtor it definitely helps to have a seamless process to help guide clients through it from start to finish. Having an efficient process will educate and inform the client as well as help alleviate any stresses involved in the transaction.

The past few years have heralded the announcement of quite a few tools to help with the mortgage business. New application tools that allow for a seamless application process. Digital signatures are now accepted by the lender ( the pandemic helped this happen). Also there are some excellent CRM ( customer relationship management) systems out there that automate every step of the process.

All of this allows for increased efficiency for the brokers and happier clients. Happier clients leads to more referrals in the future and possibly more repeat clients. It’s a win win for everyone.

Today I am thankful for the time I spent helping a fellow broker with their process, great high tech tools that make all this possible and the savings of time and stress that it brings to my workday.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

Drive it like you stole it

We far too often play it safe in matters of love, finance or recreation for that matter. I was recently reminded of this expression above while giving the keys to my company Facebook page over to a new administrator. We take more chances when it’s not our car, when the rope swing is over water or when you have been lucky in love recently.

Why play it safe as we only get one kick at this can called life. There are no do over’s. Life is either a daring adventure or it’s nothing at all as Helen Keller had said. So be daring and drive it like you stole it as there are no second chances.

Today I am thankful for the progress being made on a commercial file that has been in the works for a while, the cool start to the day after a hot one yesterday and the opportunity to take some bold chances going forward.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

I am melting

Today I know how Frosty the Snowman felt when he was stuck in the greenhouse. I am melting. Sadly this Canadian was built for the winter in -20c instead of +30c. However we are being told to expect most of the later instead of the former due to increased global warming.

So when it’s hot like this for several days in a row, you need to keep your cool both literally & figuratively. So here are few idea’s. Keep your blinds & curtains closed during the hottest time of the day. Limit your exercise to the early morning or the late evening when it’s cooler. Stay hydrated with lots of water rather than alcohol or caffeinated beverages.

Today I am thankful for an early morning run before it got too hot, another Sunday lunch date with my wife and lots and lots and lots of cold drinks on this beautiful day.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here

When a plan comes together

Don’t you just love it when a plan comes together. In my house this is usually because my wife has planned it and I give her full credit but am happy just the same. I fully admit that I worry about things not working out when we travel and only tend to relax once the plane takes off or when we finely hit the road.

However in order for things to work out one must first plan ahead. This applies when you are traveling, trowing a party, getting married, getting in shape or buying a home. Trying to get everything done at the last minute is just as recipe for disaster. Give yourself time to achieve your goal and you will have a much greater chance of it actually happening.

In regards to financing your new home, it’s a good idea to give yourself at least 10 banking days to complete your financing. Even though I require all the documents up front the lenders are still quite busy and it takes time to review the accuracy of everything provided. Also the extra time allows the process to get completed with the lowest amount of stress for everyone involved.

Today I am thankful for a great early morning bike ride, meeting new people who share a passion for biking and having my 50K ride complete before the heat of the day really kicked in.

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

Patrick

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here