Year In Review

New Year’s Eve is typically when we look back to see how we did over the past 12 months. Don’t be too hard on yourself, the whole idea is just to see how you did and use the data to see how you can improve going into next year.

In 2022 I did:

  • 3750 cold calls ( yes I keep track)
  • 102 hours on my Peloton bike
  • 876 Km biking outside with my friends ( Thanks Strava, 10% improvement over 2021)
  • 565 Km ran ( thanks to my Nike + app)
  • 42,235 Km traveled to see clients
  • 9,776 pages read and finished 32 books ( Exceeded my target of 30 and tracked it all on Goodreads & StoryGraph)
  • Helped 20% more clients than the previous year

I have always felt strongly that if you track it then you can improve it. How did you do this year? Take a few minutes a look back at what you have accomplished and also be grateful for how far you have come this year, as you have made it this far. Then use those numbers as starting points to see what you can accomplish in 2023.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Give and Take

Sometimes to get what you want you have to give a little bit to get it. Life is a game of compromises of all sorts. We can’t always bully people to doing things exactly how we want or we won’t have any friends. So give a little bit and take a little bit in return.

So whether I am doing someone’s residential or commercial financing project there is always a little give and take involved in getting it done. Want the best terms then you must be able to give all the documents required to get them. Anyone who is married and has kids will understand the daily negotiating that is involved.

Consider it a transfer of value the same as when you are buying your groceries or fuel for your vehicle. You have to give a little bit of your hard earned money to get what you want.

Today I am thankful for such an amazing World Cup final yesterday, that my daughter arrived safely back from university and that we were able to get her phone fixed without having to buy her a new one.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

No Show

I have learned a lot about business and people in my 20 years of doing this business. When I started I used to drive across town to see people who wanted to meet with me. Only to have them either not show up or not ready to start the process because they didn’t qualify.

While I still love working with people, I have had to put a value to my own time. As if it takes me 30-45 min to get across town to meet with someone who doesn’t show up or qualify then that time could be better spent staying in my office. This is why I prefer to have the initial meeting either over the phone or virtually through the computer.

We still get to have the same conversation but it will also allow any in person follow up meetings to be more effective. I will know that you are serious, that you qualify and can also tailor fit the conversation to the clients needs and requirements. This all boils down to the fact that the one thing that we will never have enough of is time and I want to make the most of the time I have and use it the most effective way possible.

Today I am thankful for clients who didn’t show up for virtual meetings as this saves me from driving across town for the same result, that we can always make more money but we can’t make more time and the extra 45 min of sleep I got this morning by sleeping through my alarm.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Over Cautious

During the holiday’s it also time to be over cautious about your credit card account(s). Most banks these days have notifications or warnings that they send you messages if they notice any unusual activity. This may be the season of giving but it is also the season for scams and fraud. So keep an eye on your accounts and notify your provider immediately if you notice any unusual activity.

Today I am thankful for a call from my bank to tell me that my wife was buying my Christmas presents, that my girls will be home soon from university and that the unusual activity on my account was just a purchase done with a retailer not Amazon or Apple.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Focus

At each and every moment we get to chose to focus on something that will move us forward to or something that will hold us back. Sure it could be scare or it can also be exciting, it’s your choice what you want to focus on. At the end of the day ultimately we get what we focus on.

Watching too much of the news or spending too much time on social media will just leave you frustrated hearing about war, the economy or how much fun influencers are having on their vacation. Turn it off and live your own life, focus instead on making a difference in the one life that you can control, your own.

Focus instead on what you can control which is your focus, your effort and your attitude. Everything else is outside your control. Get clear on where you want to go and start with the task at hand. The best way to do this is one day at a time, Rome wasn’t built in a day and you can’t change overnight. With dedicated focus anything is possible.

Today I am thankful for knowing someone who can fix my daughter’s phone, that all the retailers that I shopped at this year had online ordering and more World Cup action 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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Better

Just incase nobody has told recently, you’re better than anyone. Better than all the rest, anyone that i’ve ever met. You’re simply the best. This Tina Turner song played during my Peloton workout and it was the perfect start to the day.

This is what I texted my daughter this morning who is in the middle of her exams at university. Sometimes all is takes is someone to believe in you when you don’t even believe in yourself. If this is you, know that whatever you are going though it is only temporary and I believe in you and that you can do it.

So put on your headphones and crank up a feel good song like this one and shake off all your troubles. Now does’t that feel better?

Today I am thankful for FaceTime that allows us to be close to our kids 1400 km away when they really need it, that within a week they will both be back home and that signing at the top of my lungs when nobody is home is an awesome feeling.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

The day after

The day after a big breakup, a job loss, a death in the family, a huge project collapsed or another rate hike. What do we do that next day? We just get up and continue to move on. Shit happens to everyone, it is how we deal with it the sets us apart. There is no sense doubting yourself with would have’s or could have’s. You can’t change the past but you can learn from it so you can change the future.

The faster you learn and recover the better you will be. The only thing constant in this thing called life is change and the better that we can adapt to those changes the more successful we will be. Sure it sucks but if you can take a few minutes and look back at all the challenges that you have overcome then you will realize that this is just another blip on your road of life.

Just know that you can over come this challenge. It’s the challenges and failures in life that teach us the valuable lessons. We don’t learn when it all goes well the first time, so consider this another lesson along the road of life long learning. Take a few minutes and cry in your beer if you have to, get it out of your system and move on. Babe Ruth was the greatest player to ever play Baseball but he also struck out more times than anyone else. So dust yourself off and get back to the plate.

Today I am thankful for the immediate lessons learned from a project collapsing yesterday, that my daughter bounced back form poor performance on a calculus test to acing the next one and discovering a new book about the greatest player to play the game.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Ho Ho Oh No

It’s now the 5th of December and just 20 days from the big day for those of us who celebrate Christmas. Just one thing I want you to keep in mind as you are doing your Christmas shopping, Don’t finance your gifts. Try to use debit or cash as much as you can. Credit card debt is the gift that keeps on giving long after the initial purchase. Specially these days with rising inflation and interest rates, when you buy on credit you are essentially robbing from Peter to pay Paul.

If you can’t pay for it in full now or at least in 30 days then don’t buy it. The reason for the season is not to spend as much as you can on your loved ones. It’s to spend as much time and attention with them as possible. The money you spent or the gift you bought will be long forgotten but the love and attention that you gave them will last a lifetime.

Today I am thankful for a dog that needs two walks a day even when I don’t want to go, for my Mom who loved this time of year and my wife who made a large batch of peanut butter balls yesterday and set aside a few for the dog.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Use it or lose it

Use it or lose it applies to your health, your finances, your time and your relationships. Invest in each of those areas so you will be able to reep the benefits as you grow older. George Bernard Shaw famously said that “Youth is wasted on the young”. Just like beauty is wasted on the vain and you would know this if you happen to have an instagram account with all the look at me pictures.

Far too often lately people are reaching old age broke, sick and lonely. However these things are all mostly within our control. We take good health for granted when we are young and don’t invest in it daily so it will last. The same applies to our finances, invest when you are young so you will have financial stability when you are older. Buy life insurance when you are young and in good health as it is much less expensive. In regards to your relationships, be a better friend, brother, sister, father, mother or cousin. Maintain contact with those you love, don’t just call or show up when you need something.

Don’t be one of the statistics of being old, broke and sick. Take a few minutes every day and invest in those areas while you are young irregardless of your age. The internet is full of stories of people in their 60’s, 70’s and beyond in the best shape of their lives who are running marathon’s and living full and happy lives. This could be you too if you take the time and invest now.

Today I am thankful for my daily workout which does as much for my body as it does for my mind, my dog who needs his walk even when I don’t feel like leaving the house and that I read the wealth barber 25 years ago.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Currency

No it’s not Money, but time is your greatest currency. Whether you believe it or not, but you can always make more money. You can’t make more time. So if there is something that you have been putting off that’s important to you, then you best do it now before it’s too late.

“What would life be if we had no courage to attempt anything?” Vincent Van Gogh

  • Julia Child published her first cookbook at the age of 50
  • Leonardo Da Vinci painted the Mona Lisa at 51
  • Dr Seuss wrote “Cat in the Hat” at 54
  • JRR Tolken was 62 when “Lord of the Rings” came out.
  • Colonel Sanders was 61 when he started KFC
  • Nelson Mandela was 76 when he became President of South Africa

These are just some proof that it is never too late to be what you might have been. The future is still bright and anything is possible as long as you just believe that it is.

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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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