Tag Archive for: mortgage excellence

You got this!

Monday’s are bad enough but the Monday after a time change and also coinciding with the 1st day of March Break is brutal. This always reminds me of a great poem that my Mom once gave me.

When Things Go Wrong

When things go wrong, as they sometimes will,
When the road you’re trudging seems all uphill,
When the funds are low and the debts are high,
And you want to smile, but you have to sigh,
When care is pressing you down a bit-
Rest if you must, but don’t you quit.

Life is queer with its twists and turns,
As every one of us sometimes learns,
And many a fellow turns about
When he might have won had he stuck it out.
Don’t give up though the pace seems slow –
You may succeed with another blow.

Often the goal is nearer than
It seems to a faint and faltering man;
Often the struggler has given up
When he might have captured the victor’s cup;
And he learned too late when the night came down,
How close he was to the golden crown.

Success is failure turned inside out –
The silver tint in the clouds of doubt,
And you never can tell how close you are,
It might be near when it seems afar;
So stick to the fight when you’re hardest hit –
It’s when things seem worst that you must 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

Dazed and confused

If you were waking up this morning a little bit dazed and confused then it’s most likely due to the time change last night. With everything else going on in the world it wasn’t something that i paid a lot of attention to leading up to this weekend.

Here are a few tips to help you get over the time change blues.


1. Go for a run, walk or just do some sort of exercise today.

2. Drink lots of water

3. Cut back on the caffeine after lunch

4. Start your pre bedtime routine an hour earlier

5. Just try to relax watch some golf and remember that it’s Sunday

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

Complacency

When you are complacent you are happy and or comfortable where you are at even though potential dangers exist all around you. Being complacent at work could get you seriously injured if you don’t stop and pay attention to what you are doing. Just because you have worked without steel-toed boots and a hard hat for the last 3 months doesn’t mean that your lucky streak will continue.

You can also be complacent in your personal life, when you are happy just the way that you are then you are not willing to make any changes to improve yourself. So you just don’t try anymore. It is also this failure to act that allows the evil in this world to persist. You don’t think that your actions will make any difference so you don’t do anything. If you see someone shoplifting and don’t report it then you are allowing the problem to persist and to continue.

As Malala Yousafzai can attest that one person with a strong enough belief can make a difference in the lives of those around them and potentialy around the world. Change is the only constant in our lives so don’t get too comfortable with the results of yesterday as they could be vastly different tomorrow.

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

Trust in Sales

The vast majority of professional sales people believe that you need to develop rapport with your prospect prior to getting the sale. While rapport is great, I don’t think it’s the determining factor. Neither is having an encyclopedic knowledge of your product or service going to get you the sale if they don’t trust you.

This is why I believe that trust comes first. There is plenty of time after that to develop rapport and that encyclopedic knowledge that you were talking about earlier. It doesn’t matter how friendly your are or how much you know about your product or service cause if they don’t trust you then you will never get the sale.

What’s the best way to do this, it’s simply to listen to their problems and concerns. How can you realistically present your product or solution if you don’t know what their problem is in the first place. This is what I strive to do with all of my 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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Mortgage Related

For those who have read a few of my daily blog posts know that they are not always mortgage related. Life unlike the new Apple TV show “Severance” can’t be all of one and none of the other. My broker friend in BC Dustan likes to say that “life is variable so should your mortgage”. As you know all work and no play makes Jack a dull boy.

That’s not saying that what we do for work is unimportant, it is but it should not encompass all of your waking hours. Some people define themselves by what they do, like being a doctor, an engineer or a lawyer, while others define themselves by their passions. I see what I do as providing access to capital to fund your dream home or your next home. When I am not doing that I am either reading, running, riding my bike or just hanging with my family.

Today I am thankful for the fresh fallen snow this morning, the fact that there wasn’t a lot of it and brighter and sunnier mornings.

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

Little Changes

Little changes to your life add up to monumental improvements when looked at over a longer period time. A few years ago I adopted the habit of doing a few pushups before going to bed, I started off with doing three sets of 10 and worked up from there. Now I am able to do sets of 50 and end with a set of 100. As a result the pains that I use to get in my shoulder has permanently gone away. While I don’t think I look any different, it allows me to end each day on a high note, irregardless of what transpired during the day.

With our current price of gas hitting new records almost every day, have you changed your driving habits? Are you driving less or less aggressively as that too will lower your gas consumption. As the weather starts to warm up have you thought about cycling to work or taking the bus. There are always options to what you can do to adapt.

Did you find that during the shut downs from the pandemic that you had gained some weight, that you were watching far too much tv or were scrolling endlessly on facebook or instagram. Simple changes like going for a walk or picking up a book in stead of turning on the tv or grabbing your phone may help. You don’t have to make massive changes at the start, but just start to make some and go from there.

The same applies when you want to save for a down payment on a future home. Start by putting away 10% of your pay before spend a cent. Sooner or later this will add up and when you add to this the profession advice of a certified financial planner you will find that you can hit your target much faster that you had imagined.

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

International Women’s Day

None of us would be here if it were not for the women in our lives. While most big businesses and governments are still ruled by men, women are making obvious advances. I read this morning that the Finnish government is now run by a consortium of 4 women in their 30’s and more than half their government are women. In Canada our minister of Defence for the 1st time ever is a woman ( Honorable Anita Anand), our Deputy Prime Minister is the hugely talented Chrystia Freehand and our Foreign Affairs Minster is the amazing Mélanie Joly. Actually half of our Minister’s are women.

All this makes me believe that my daughters can be anything that they want. Once actually plans to study medicine to become a doctor and her twin sister wants to be an engineer. Both careers previously dominated by men. So tell your daughters and your sisters and nieces that they can become anything that they set their mind upon. The sky really is the limit.

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

Potholes

One thing common about the late winter is the massive amount of potholes that suddenly appear before the first flowers of spring. After living in Halifax for the last 14 years and the previous 20 in Dartmouth, this year was the first time that I have ever blown a tire after hitting a pothole. Now to further improve on that record, it has happened twice. Last night while driving my daughter home from work in dark foggy conditions I hit a pothole that I could not see, but we sure felt it.

A quick call to roadside assistance as I was not aware that our rental car even had a spare, we were back on the road again. So if this happens to you, first call roadside assistance to get help if needed in replacing the tire, then call once safely back home to HRM and report the pothole and your damaged tire. The number is 311 inside of Halifax. Make sure that you give them the location of the offending tire killer and also log a claim regarding your tire.

Yes I was not in a good mood when I got back to the house but after a good nights sleep and 20 minutes of meditation this morning I realized that it’s not what happens to you but how you react to it. There will be unpleasant events happening to everyone throughout our lives, it’s how we deal with them that counts.

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

Declutter

According to my wife, there nothing better on a nice spring Saturday than cleaning the house. So while you are cleaning up and finding stuff that you no longer need, here is a list of a few place where you can donate or drop off your unneeded or unwanted stuff. Marie Kondo would be proud of you right now.

  1. The Canadian Diabetes Association, click here for more details.
  2. Drop boxes are located all around the city is this is more convenient for you.
  3. Value Village also accepts donations.
  4. Bryony House 3358 Connaught Ave is also in need of supplies for women and young children.
  5. Society of St Vincent de Paul 440 Herring Cove road
  6. Salvation Army Thrift Stores, here are some of the locations.

So just because your previously loved stuff is no longer in use by you, it doesn’t mean that it won’t be loved right now by someone else.

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

Hell Yeah!

I live by a simple philosophy when it comes to new opportunities in life, it’s either hell yeah or a hard pass. There is no maybe I will think about it, that wastes too much time for all involved. So you are either so excited that it will possibly blow your socks off or it’s a no. This makes it so much easier to keep focused and continue to move forward on my goals and plans.

Our time on this rock is far too short, it’s the one asset that we will never have enough of so it’s vital that we don’t waste it. Too often people just go with the flow and end up wasting their time on something that they are not all that interested in just because they thought it would be rude to say no. Be true to you and they will understand and not take it personally.

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