Discipline

discipline dĭs′ə-plĭn

noun

  1. Training expected to produce a specific character or pattern of behavior, especially training that produces moral or mental improvement.

Are you someone with high standards and has implemented a rigorous program of self-improvement and discipline. The common known fact about discipline is that you either put in the work now or you will end up paying for it later.

Yes it is tough when you are going through it, whether that be for your self or your kids. I still remember sitting on the floor with my wife outside my kids room when they were babies as we were sleep training them. Yes those first few moments were heart breaking but in the end it was well worth it.

The same applies to your fitness habits. Put in the work now so you can have a long and healthy life. In your professional career too, yes entry level jobs are necessary for society to function but if you have higher aspirations then you must be willing to work for it. Lastly but most importantly for a lot of people is your finances. Learn to control and manage your money even when you don’t have much, that way you will always be in control of your finances in stead of debt & money controlling you.

“Winners embrace hard work. They love the discipline of it, the trade-off they’re making to win. Losers, on the other hand, see it as punishment. And that’s the difference”. Lou Holtz

Today I am thankful for the continued pain and discomfort of discipline that has made me and my kids who we are today, a morning when it wasn’t raining or snowing in the first time in a week, and that fact that my kids could take the bus to school.

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Sacrifices

Whether you realize it or not we all make sacrifices. In order to succeed in the future we sacrifice the instant gratification of the present. It is a trade off that only some of us are willing to make. However when you do your future self is rewarded with more sustained gratification than could have possibly have been obtained by not doing the work in the past.

What are you willing to give up or suffer through today to experience that massive delayed gratification in the future. Are you willing to get up before dawn every day so you can fit in some exercise just so you can experience longer lasting heath in the future. Are you willing to work 12-15 hour days so you create a better life for you and your family. Are you willing to give up watching tv and pick up a book in stead so you will be able to learn something new. Are you willing to pay your self first and master managing your money so you no longer have to live pay cheque to pay cheque.

There is short term pain associated with these sacrifices but it pales in comparison to pain and suffering you will experience in the future by not suffering through them in the present. Take your pick at what you want to do, make no sacrifices in the present only to experience lots of pain in the future or suffer a little bit now to have a long and happy future. It’s up to you to decide, I know which one I want.

“Don’t miss out on something that could be great just because it may also be difficult in the present”.

Today I am thankful for new books with great ideas, workouts that continue to push me every day and all the work from the past paying off in the present.

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

No Comparison

Far too many of us judge ourselves unfairly. Comparing our accomplishments or the lack thereof to others is a futile endeavour. While they may appear more fit, successful or rich, underneath it all they may have a less fulfilling relationship than you, have weaker family or social connections or have substance dependancies that nobody is aware of.

The only true comparison to your current status is your results of the past. Sometimes it is hard to tell if you are making any headway from day to day, but look back farther and look at a month, 6 months or a year ago. If you really tracked things you would realized that you have made monumental progress.

To give yourself a small taste of success, then start with something small and build it up over time. If your goal is to run 5 to 10K then start by walking if you have to and grow it from their. Similarly if your goal is to save up a down payment for a home, you could start by managing your money better with the help of YNAB then starting an aggressive savings program.

“When you compare yourself to others, you miss the miracle of who you are”. Mastin Kipp

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Stick with it

365 Days ago I made the commitment to post something new on my website blog every day. I am extremely proud to say that I have not missed a day all year. It has helped my website ranking. It has allowed me to connect with more people and it has allowed me to improve my writing and communication over the past year.

So thank you for everyone who has read and or commented on these posts, it’s meant a lot to me. They have not always been about the mortgage business but that’s alright cause we can’t talk about work all the time. I feel very strongly about personal development as I think that we are all a work in progress and that we will continue to make progress as long as we stick with it.

What habit or past time would you like to pick up and or improve. All it takes is a little practice and a whole lot of stick-to-itiveness. In 365 days you could learn a new language, learn to play a musical instrument, improve your flexibility, gain muscle and or lose body fat and lastly and importantly for a lot of us is improve your interpersonal communication skills. There are many more things that you could do, you just have to start and keep it going.

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Let the games begin

Today marked the beginning of the games of the XXIV Olympiad, also know as the 2022 Beijing Olympics. One of the best things about this games this year is that it allows us to focus on something other the pandemic or the current level of political discord that has been in the news across this country.

Yes we all ( myself included ) have our opinions about those two subjects but getting into intense discussions with people who feel the opposite is not very productive. This is why I am so happy to see that the Olympics have started again. 

The love of sport does not discriminate against you based on your political or other opinions, you just want to see your countries athletes or your favourite athletes do well. So for these next 16 days let’s all enjoy the completion and just get along.  

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Keep Striving

While many people know that the tag line to Nike is “Just Do It” their actual slogan is “There is no finish line”. This underlines the fact that we should always be pursuing improvements in our lives each and every day. The race never ends, as the one you finished yesterday will prepare you for another one tomorrow. Keep striving and pushing yourself to get better all the time.

Just because you lost your bid on the previous 5 homes you looked at does not mean that you will fail the next time. The only way to guarantee that you fail is to strop trying. It’s true that it is a very challenging market for home buyers, however people are still being successful in buying new properties. Ask your agent for feed back on your unsuccessful bid to see how you can improve for the next one.

The only thing constant in life is change so what didn’t work yesterday may indeed work tomorrow, and what worked before may not work the next time. Stay focused on what is your objective and keep moving forward.

Today I am thankful for the short interruption in power this morning while everyone else was still asleep, going from one great book to another one as there is always more to learn and the lessons I have learned from everything that didn’t 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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Being Uncomfortable

Nothing ever great was achieved by staying in your comfort zone. You can’t get in shape by staying on the couch. You can’t get rich by staying in bed and you can’t grow and develop unless you have experienced some failure and discomfort.

You will never be able to afford a house if you keep spending all of your pay check. Sure there are some lenders offering no down payment mortgage but you still need to have your closing costs and deed transfer tax.

There is no free ride. The quicker you can be used to some regular discomfort that faster you will make some progress. Do something every day that would normally make you un comfortable. Give a speech, talk with some strangers, ask someone out, do a workout that you have never done before. Just make it a habit to push your comfort zone ever day.

Today I am thankful for those steel cleats on the bottom of my boots or my dog would not of gotten a walk today, new PR’s on workouts and daily opportunities to push my comfort zone.

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Tenacity

Tenacity ;

noun

: ability or willingness to carry on despite danger, difficulty, or obstacle.

Watching Rafael Nadal grind out and win the Australian Open in 5 gruelling sets, to me is the epitome of tenacity. Your mind will always tell you to quit well before your physical capabilities have been depleted. Most of the battles I face on long runs are pushing through the battles with the mind to quit. We are capable of so much more as long as we keep going.

“When you grow up you tend to get told the world is the way it is and…to live your life inside the world. Try not to bash into the walls too much. Try to have a nice family, have fun, save a little money. That’s a very limited life. Life can be much broader once you discover one simple fact: Everything around you that you call life was made up by people that were no smarter than you and you can change it, you can influence it, you can build your own things that other people can use. Once you learn that, you’ll never be the same again.” –Steve Jobs, Interview with Santa Clara Valley Historical Association, 1994

Read that sentence in the middle over and over again if you have to, but also remember that they were tenacious and did not quit.

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Get Real

It’s all well and good to pretend that things are better than they seem. To put on the rose coloured glasses and try to act like there is nothing wrong with you or the rest of the world. However ignoring the problem or only focusing on the shiny future does not make it go away.

If you’re fat, depressed and lonely own up to it the same if you’re broke, lazy and feel like a loser. See your faults for what they are. The alcoholic can never improve until he finely admits that he has a problem. It’s also fair to say that that it’s hard to relate to what you have gone thorough in life. We all have a past, some better and worse than others but it does not define where you can go in your life.

The sooner that you can take ownership for you lot in life the sooner that you can do something about it. There was nothing great ever achieved by staying in your comfort zone and nobody can do the work for you. Dissatisfaction can be a great force for motivation, feel it and own up to it and see where your life will be if continue down the same path. Now get fed up and do something about it.

“If you look in the mirror and you see a fat person, don’t tell yourself that you need to lose a couple of pounds. Tell the truth. You’re fucking fat! It’s okay. Just say you’re fat if you’re fat” David Goggins from Can’t hurt 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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

You never know

How many times in your life have you done something that you never knew that you could accomplish till you actually did it? Incase nobody has told you lately but you’re pretty amazing. You’re capable of so much more than you think that you can do. It has been said that people over estimate what they can do in a day ( in most cases) and yet vastly underestimate what they can accomplish in a year.

I was inspired to write this as in my 20 years as a broker I have never gotten a file broker complete ( which means all broker based finance conditions) in as little time as I did recently. I can’t entirely take credit for this as I now make sure I get as complete a file upon submission as possible so if anything is left over it can be quickly obtained. The clients were amazing as well which helps.

Also with the onset of Covid I switched all my fitness activities to stuff I could do at home and started running more. When a few friends posted that they has just run 1/2 marthaton’s ( 21.1K for us on the metric system) and since I had been running lots I though I would do one too. So the following day I did just that. While I don’t suggest you strap on your shoes and do that unless you have had lots of training under your belt, I am encouraging you to push your self.

What would you like to accomplish but haven’t tried in the past. I bet that you could read 25-30 books this year. I had never done that before and I set that as my goal last year and accomplished it. There is so much that you can most likely accomplish but you just have to start and do it.

Today I am thankful for amazing clients who make my work much easier, great call with family this morning and accomplishing things I never knew were possible until I did them.

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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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