Best Medicine

Sometimes when I am feeling off for some reason, whether it be physically or mentally the thing that always makes me feel better is a good workout. To get rid of what ails you as long as it is nothing serious it’s always best to move your body. Emotion follows motion as Tony Robbins always says. That little hit of endorphins is usually always what the doctor ordered.

It doesn’t have to be an all out workout, just something to shake off the funk. A nice walk or a short 10K bike ride are great examples. The best thing about exercise is that it helps clear the head along with making you feel better. Since most of us are off on this Easter Monday, take a few minutes for your self so you can shake off what the bad vibes and get some good ones.

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

Chocolate Bunnies

Happy Easter Joyeuses Pâques

May all your family be present

May there be peace and love all around you

May you only see the good in others

May you truly be thankful for all the riches that you possess

May the only bunnies that you eat today be made of chocolate.

Happy Easter Joyeuses Pâques

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

Cart before the horse

I thought of this today as this is what you get when a salesperson try’s to sell you a product or service before knowing what you really want. When this happens we just end up with buyers remorse as most times we like to buy but nobody wants to be sold. Otherwise we would all be driving the same car, live in the same kind of house and dress the same way.

However I believe that there is a simple fix, and it’s all about listening and asking questions. Smart and intelligent questions will more often than not discover the motivation and or the pain that they are facing. Figuring that out you will know if they are just kicking the tires or if they have a genuine need to solve their problem.

Not everyone wants or needs a mortgage but most will need the access to the capital that the mortgage provides. Once that has been determined then we can go about finding product that works for you. For you this may be a fixed rate, others may want a variable or some may want and or need a HELOC. Getting to know you and your situation will help us both determine the best solution for your borrowing needs.

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

Good Friday

For those who are going to church to do the station’s of the cross, eat your fish and have a good Friday. To everyone else just try to enjoy your day off of work.

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

Sunday vibes

The best thing about Sunday’s is that you get to unwind from the previous week while at the same time preparing a fresh start on the week ahead. What are some of your Sunday routines to help you unwind and relax.

During the week I get up at 5am, so on the weekend 7am is sleeping in for me. Those golden hours before everyone else in the house gets up are simply incredible. I get to do a 20 min meditation, take the dog for a walk then go for a run before anyone else has had the chance to make any demands or voiced their opinion.

Our lives are stressful enough, it is important to find some time for yourself and relax and just be in the moment. I have found this out first hand recently when stress allowed muscles & tendons in my jaw to flare up. Somethings that may help are but not limited to meditation, exercise, talking with friends & family, reading a good book, listing to music, watching a movie or a nice 20-30 min mid afternoon nap.

Take some time for yourself today, watch some of the Masters and get ready to hit the ground running tomorrow.

“Don’t count on the days. Make the days count.” – Muhammad Ali

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

Redemption

The one constant in life is change. I can guarantee that you are not the exact same person that you were 10 years ago. Experience shapes and changes us all, most times for the better and sadly sometimes for the worse. So there is a very good chance that the person who let you down & disappointed you years and years ago has also changed for the better.

Redemption whether asked for or not is something that we should all allow to happen. Resentment towards someone else because they did you wrong a long time ago, only prevents you from moving forward. Let it go and move on with life. There is a good chance that they have forgotten about it anyway. Once forgiven it will be like a weight has been lifted from you allowing you finally to move on to bigger and better things.

I have always loved this Muhammed Ali quote ” A man who views the world the same at fifty as he did at twenty has just wasted 30 years of his life”.

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

Now it’s official

Yes I know that Spring official began just over two weeks ago. However according to many who love sports it officially begins today. This is because the baseball season and the Masters golf tournament both start today.

I know my Dad and my wife’s Dad are both looking down today to cheer on their favourite teams and players. Although our beloved Montreal Expos are no longer playing the love of the game is still the same.

Speaking of the Masters what makes this year’s tournament so much more interesting is the return of Tiger Woods. After a near fatal car accident last January to returning to the Masters where he won the green jacket 5 times is an amazing accomplishment. While I have not heard his name mentioned as a potential winner, I would definitely not count him out.

Are your dreams & goals big enough to overcome any obstacle? A lot of people counted Tiger out from what he has gone though over the past 10 years. However he has never given up and continues to inspire us all with his persistence and his determination to win. Things will come up today or tomorrow that will knock your off your game, the key is the get back up and start over and keep moving 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

Walk the talk

All the best trainers and coaches know that success leaves clues. If you are not getting the results that you want then look to those who are succeeding. While there is no guarantee that doing exactly what they do will make you successful, I am fairly certain that it will however dramatically improve your results compared to what you are already getting.

As we are leading up to the Masters golf tournament this week, I recently read an article about Tiger Woods. There was an event a few years ago that featured Phil Mickelson & Tom Brady vs Tiger Woods & Payton Manning. Tiger being the hyper competitive person that he is really wanted to win the event. Payton on the other hand was prepared to approach it the same way that he has always approached golf which was to show up to the course 20 minutes early, hit a few balls then start. Tiger had him show up early, do his full warm up and prep work and approach it like the pro that he is and they ended up winning.

So if you are feeling a little bit off for some reason today, then just decide to walk, talk and move like someone who has it all together. Be confident that it will all work out and sooner than later you will be pleasantly surprised on how well things have gone for you today.

Today I am thankful for the brighter mornings, the bad weather that did not amount to much yesterday and the feeling of a fresh shave early in the morning.

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

Positive feedback

Why is the default feedback mechanism for people to be negative. We don’t learn to improve by receiving constant negative feedback day in and day out. Psycologists and animal trainers both agree that the way to implement a change is through positive feedback. Yet if we receive feedback from 10 people and 9 are overwhelming positive but one was negative why do we only focus on the negative one?

The same goes for the news that we read, stories of war, devastation or financial collapse get more attention that the positive human interest stories. Look at social media, when there is a there is a post about an important topic, controversial or not there is always tons of negative feedback. Why is it that people find it so easy to tear someone apart from their keyboard yet they would never say the same thing to someone’s face?

Try for just one day that if you have nothing good to say then say nothing at all. Find every reason to give someone positive reinforcement, even if it’s something small like holding the door open for you. These little ripples of positive energy is exactly what the world needs right now. Whether Mahatma Gandhi said it or not, “be the change you want to see in the world” is a great quote to live by.

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

Preparation

One of my favourite Ben Franklin quotes is ” by failing to prepare you are preparing to fail”. The overall theme of life is to prepare for the unknown and the unknowable. This could also be one of the reasons I love crossfit so much as you never know what the “Workout of the Day” was till you showed up for class. So you train for everything from strength, to metabolic conditioning ( cardio for you regular folks) and mobility and everything in-between.

So as you look outside today and see a sunny blue sky and think what a wonderful day, I encourage you to also look ahead and prepare for the upcoming storm for tomorrow and be ready. The same thing applies to life, it could be a wonderful day today but would you be ready if the shit hit the fan tomorrow? How are you planning for the unknown, do you have a supply of food, medicine and cash to keep you over if you lose power for a few days or if an unexpected bill arrives?

In regards to your mortgage, are you just making your minimum prescribed interest & principal payments while on a variable rate? Or are you paying more to prepare yourself as rates rise. Those of us who chose a variable rate were given a generational gift of extremely low rates. However remember that we had to qualify at a much higher rate to get approved. So it’s not too late to contact your lender and increase your payments so you are prepared as rates change over the next few months. Variable rates are still at an advantage over the much higher fixed rates so adjust your payment rather than switching to fixed.

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