Equal Rights

I am a big believer of equal rights. I strongly feel that it should not matter if you are a man, woman, trans, bi, gay, black, white, young or old or whatever, we should all be treated fairly and equally. It is because of this I was deeply troubled by the events in the US yesterday. This is because at the core it is an equal rights issue, they are now saying that women do not have equal rights over their physical bodies and that this is now the domain of the state goverment.

Just imagine if this same logic was applied to housing. That if you did not fit a particular demographic then you would not be allowed to purchase or own a home. Yes I know that this was the case not that long ago in the US and thankfully that has now been changed. But who is to say that a very radical minority might decide to take that away as well?

I have represented clients from a diverse demographic background and all the lenders really care about is the 5’C of credit. In case you have forgotten they are as follows, character, credit, capacity, collateral and capital. There is nothing in there that says that you have be a particular gender, ethnicity or sexual orientation in order to get a mortgage or purchase a property.

At the end of the day if we can just treat others how we want to be treated then the world will be a much happier place.

Today I am thankful for a great 50K bike ride with friends this morning, a quiet house so I can get some work done and thankful that we live in Canada where my wife and daughters still have equal rights.

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

School’s out

School is out for the summer, and for my girls it marks the culmination of their high school experience. Although vastly different from the high school experience that I remember. I remember school trips, school carnivals and dances and my girls had none of that thanks to Covid. Through it all they never complained and are now graduating with top marks and had their picks of which University they wanted to go to in the fall. I am so proud of them as they have worked so hard.

Now that the kids will be off for the summer, what are your plans now that we are now able to freely move about the country and other countries for that matter. If your plans were to leave the country and you don’t have your passport yet, you may want to take care of that sooner than later due to the long wait.

However some are finding the need to cut back due to rising prices of everything from gas, food, hotels and everything in between. Thankfully there is still plenty to keep people busy here in NS. Just pick up the latest doers and dreamers guide for 2022 and it will list all the festivals, carnivals, events and gatherings around NS as well as beaches and parks that make excellent day trips.

Today I am thankful for how hard my girls worked to get those top marks, my son for getting his first summer job and my wife’s creativity for always coming up with exciting things to eat for supper based on what’s left in the fridge.

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

It’s for a good cause

So every year around this time I reach out to friends, family, past clients and everyone in between to help support me for my annual ride for Cancer. As you may know both myself and my wife lost our Mom’s to Cancer. I would love to have your support and all donations made today (June 23rd) are being matched dollar for dollar. Click here to support me for this very worthy cause.

Thanks for all your help. Your donations make the most advanced treatments possible for those battling cancer.

Sincerely,

Patrick

Happy Indigenous Peoples Day

We once had a PM who tried to tell us that there were two types of Canadian’s. The old stock Canadian’s who had been here for a few generations and those who only arrived in the last generation. Well my family has been here since the mid 1750’s but it pales in comparison to the Indigenous population who have been here for thousands of years.

So today we should all pause and celebrate their culture & heritage and the fact that we still share their land. Speaking of the land, on key Indigenous value that we should all adopt is something called the “Seventh Generation Principal”. This means that we should make our decisions today based upon how those decisions will effect the future seven generations. We must realize that we are only here for a short period of time and to take care of the earth so it is here for future generations to come.

When we truly stop and listen to others we will find that we will learn so much. The Indigenous people in Canada have such a rich cultural heritage and by learning more it will enrich all our lives.

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

Cost vs benefit

The old adage of you get what you focus on is spot on. People can make a heaven out of hell or a hell out of heaven. If you’re in a good mood then the chances are that you will find things to support that, and the same goes if you are in a foul mood.

Benjamin Franklin has a quote that I have always loved ” The bitterness of poor quality remains long after the sweetness of low price is forgotten”. Meaning if you value low prices more than quality then you will always have issues with quality and as a result will end up costing you more to replace it.

I have pretty much always been a Mac computer user. Yes they are more expensive than the comparable PC computers but in my personal experience the quality is so much better. My Mac’s have lasted me on average 6-7 years, which is much longer than my PC loving friends.

To take this back to what I originally wrote about, if your focus is on cost you will miss out on all the other benefits that a good quality product will bring you. Take private mortgages for example. Yes they are expensive and if you are able to obtain what you need with institutional or alternative financing then proceed with that option. However if your only option is a private loan to prevent you from loosing your home then cost actually becomes secondary to the benefit it provides.

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

For all the Dad’s

Happy Father’s day for all the Dad’s out there. My Dad has been gone for 10 years now and Father’s days are not the same with out him. So if your Dad is still around today then give him a big hug for 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

Nip it in the bud

The first sign of any unwanted behaviour it’s best to nip it in the bud, or put a stop to it before it gets out of control. You notice that your pants don’t fit right anymore, don’t wait till you need a whole new wardrobe, do something about it now. Suddenly having too much month left at the end of your money, do something about it now before it gets out of control. Weeds taking over your garden, nip them in the bud before they have a chance to take over.

Some pundits ( arm chair economists) says that the Bank of Canada reacted too late to the rising inflation and should have acted earlier by increasing the overnight lending rate much sooner that it did. The BOC actually started increasing the rates right around the time that the inflation started to get out of control.

The CPI (consumer price index) numbers averaged in the 4% range right up until January of 2022 when it crept over 5% for the first time. It has since gone from 5.1 in January to 5.7% in February and 6.7 & 6.8 in March & April when the BOC took action by increasing rates. While the numbers for May have not come out yet they are predicting it to remain high again and thus almost guaranteeing another rate increase when the next BOC meets in July. So the number speak for themselves and I don’t think they waited too long, but who knows how long it’s going to last before it starts to come back down again.

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

Don’t Wait

Don’t wait till the stars align and everything is perfect in your life to be happy because that very rarely happens. Choose, yes I said choose to be happy now instead. Don’t wait for the perfect job, perfect relationship or your perfect body in order to be happy. Just be happy now and see how the everyday things in your life being to change.

Suddenly the traffic jam is not so bad as it gives you the opportunity to listen to some great music or call your family. Your car won’t start but meet some great people on your walk or bus to work.

Your happiness is not decided by your bank balance, the type of car you drive, the clothes that you ware or how many followers you have on social media. You and only you are in control of your state of mind. So for a little experiment just make a decision that you will not pin your mood or happiness on any external event but will instead decide to be happy irregardless of what life serves up for you.

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

Necessary Evil

Let’s face it, insurance is a necessary evil. We need it to drive a car, you need it to buy a home or live in an apartment and you need it to run a business. What they don’t tell you is when you need to use it they will make you walk over hot coals, crawl over broken glass and give up your first born to prove that your claim is valid.

I know this is because that people have been less than honest and have taken advantage of them in the past. However isn’t starting with the assumption that the claim is invalid until proven otherwise a poor place to start? Let’s hope that your claims experience is significantly better than the one that I am going through right now.

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

Celebrate

As I sit here writing this today, I find myself sore in places that I haven’t been sore in quite a long time. I may have over did it just a little bit this weekend, but that in no way means I will changes my approach to fitness. It just means I have to adjust my daily training to account for what I did the previous day.

The main point of my post today is to say that we should all celebrate life. Not just when things are going extremely well, but also when you’re a little sore or a little broke. Being thankful for what you have always has a tendency to bring more of it in your life. Even be thankful for the goals that you have not achieved yet, and especially for the lessons along the way.

It may also have something to do with recently listening to “I just want to celebrate” by Rare Earth. If you are in the mood for a classic rock tune that you may not have heard in a very long time, I suggest that you put it on. Great vibe for a 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