Tag Archive for: mortgage professional

Life’s a game

However your life is not a game of comparison or competition. It’s not a game of social media likes. It’s not a game of who makes more money. It’s not a game of who takes the best vacations. It’s not a game of who has the fastest car. It’s not a game of who has the best abs, hair or who is the fittest.

The only person you should be comparing yourself to and competing agains is you. Specifically your version from yesterday as are you getting better every day. Sure big fantastic goals are great but it’s the small incremental improvements on a daily basis that will give you the best results.

Contribute a little more that you did yesterday. Save a little more than yesterday. Love a little more than yesterday. This all adds up to exponential improvement over the long run. It is a game of the present moments, so focus on them and enjoy every experience.

Today I am thank for a beautiful fall day for a long run, smiling at a dog on my run and have both the dog and owner smile back and hitting a pace on my run that I had not hit in over a year.

“Life is a game, and it’s much more fun if you play it as your own game, so stay light and loose and relaxed.” Bill Murray

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

Time Control

Every day we are given a deposit of 86,400 seconds. It does not mater if you are rich or poor, black or white, christian or atheist we all get the same amount. It is what we do with it that sets us all apart.

Those who learn to manage and control their time better will have better results. I have noticed this a lot in the last week when I basically cut out social medial except for 3 two minute blocks where I cleared away notifications. My productivity increased 10 fold as I found I was much more focused on high return tasks.

To compare time management to money management, YNAB does a great job where it gives ever dollar a job. Could you do the same with time and how much better would your productivity increase? What are you doing that you could cut out where you are basically wasting time and what could you do in replace of it?

Today I am thankful for friendly new neighbours, increased productivity thanks to better time control and the feeling of accomplishment from the increase in productivity.

“Yesterday’s the past, tomorrow’s the future, but today is a gift. That’s why it is called the present.” Bill Keane

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

Sliding into the weekend

Yes the picture was me this morning, and apologies to my neighbours as I did my C&J in the driveway. So are you sliding into the weekend like a boss or have you barely made it to Friday. If you made progress towards your goals rather than putting out fires all week I would say you arrived like the former rather than the later.

Nothing beats the feeling of accomplishment that you have made some serious progress towards your goals. If homeownership is your goal, then make sure that are managing your credit well and saving for your down payment. You can do this by signing up for a credit monitoring service so you can keep track of how you are doing. In regards to your down payment, I highly recommend that you check out and start using YNAB to help you manage your money.

Today I am thankful for a beautiful fall morning so it’s still warm enough to workout outside, all the great conversations from my massive amount of calls this week and good news via email over night.

“Weekends don’t count unless you spend them doing something completely pointless.” Bill Watterson

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

Self Talk

The starting point of any achievement is actually believing that you can do it. This is actually more important that brainstorming your goals or taking massive action. Doing those things yet still doubting your self is not going to get you very far. Once you believe it is possible your chances of success increases exponentially.

Without a doubt we are always our own worst critic. So if you can’t believe in yourself how do expect anyone else to believe in you. Change how you talk with yourself, and what was once problems now become opportunities.

Here are a few examples and how to turn them around:

Negative: Positive:

I have never done it before It’s a chance to learn something new

I don’t know how to do it I can learn it

It’s too complicated I can figure it out

I will mess it up I have overcome tougher challenges

Other people can do it better I look for the bright side of things

Someone else should do it I deserve to win, I am always improving

I don’t have the time/resources/experience I am resourceful/ Others can help me

It won’t work I will come up with an answer

I have to do it I choose to do it

I tried and failed before I enjoy adapting and growing with change

I am not good enough I trust myself to succeed

I am not good at this I can do this

I give up I will use a different strategy 

I can’t make this better I can always improve

This is too hard It may take some time but I can do it

I made a mistake Mistakes help me learn

I am not smart enough I will learn how to do this

“Whether you think you can or your can’t, either way you are right.” Henry Ford

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

Sales process

One of my colleagues recently told me an interesting stat. He said that 74% of people find their realtor because they called them back after they made several calls to agents to enquire about their services. I find that surprising for a service that is 100% commission. I know we are in a very busy real estate market but wouldn’t you want to call everyone back?

If one were to simplify the sales process, it would be down to prospecting, following up and following through to close. It has historically always been harder to find the prospect then to make the sale so why are so many people not returning phone calls or email enquiries? My wife and I went though this a few years ago when we were shopping for a new car, we must of visited 8-9 car lots and test drove a few different models. However we went with the person who followed up with us and seemed to want our business.

Whether you are looking for a realtor, mortgage broker, financial advisor, insurance agent or heck even a new car. In every major centre you have your pick of where to go so make sure that the person that you are dealing with truly wants to help you and has your best interest in mind.

Today I am thankful for the people who have called me back after I have called enquiring about their services, the clients who take the initiative to make the first call and the time and energy that is saved by having people reach out to you.

“Diligent follow up and follow through will set you apart from the crowd and communicate excellence.” John C Maxwell

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

How bad do you want it?

We all have goals that we want to achieve. What it all boils down to in most cases is how bad to you want it? Any great achievement takes persistence and great effort. Sure we all have those wouldn’t it be nice to have goals but we also have those freeking awesome life changing goals as well.

The difference being that those who have achieved great goals have moved heaven and earth to make it happen. We have all heard stories of athletes who have over come great odds on their route to success. They never focused on why it wasn’t going to happen for them they only saw the end result and did what ever it took.

I read a comment on Facebook on a group this weekend that someone said that they have been renting for a long time and moved ever year for the past 8 years. I don’t know the reasons why but isn’t this kind of expensive to move every year and also the effects on your credit is not great. With the proper plan in place you should be able to afford to buy if you have been able to comfortably rent and move ever year for the past 8 years. You just have to want it as much as oxygen as Eric Thomas says.

“The will to win, the desire to succeed, the urge to reach your full potential. These are the keys that will unlock the door to personal excellence.” Confucius

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

Be Thankful

Today as we celebrate Thanksgiving here in Canada, there is no better time to reflect and realize just how thankful we are. Here are a few of mine for today.

I am thankful for my girls who were born on this day 17 years ago, 11 weeks early and quite underweight are now happy and heathy teenagers.

I am thankful for my wife who made such a great Thanksgiving feast yesterday, and for our niece and her boyfriend for coming over to enjoy it with us.

I am thankful for my business, my past and future clients and the ability to make their home ownership dreams come true in this interesting and challenging real estate market.

I am thankful for such beautiful weather today and it allowed me to complete a workout in the driveway without having to throw on a sweater.

I am thankful for where I live and that even though the leadership changed here recently that public health policy is still be driven by science instead of a political agenda.

I am thankful for the strength it took for my favourite player for my favourite team to reach out and say that he needed help and the outpouring of love and support that was given to him as a result.

I am thankful for you for taking the time to read this, I hope that you can also take a few minutes and think about all that you have that you are thankful for.

“Pause and remember- every single event in your life, especially the difficult lessons have made you smarter, stronger, and wiser than you were yesterday. Be thankful!” Jennifer Young

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

Waiting on the world to change

Waiting on the world to change before you do something is a poor way to operate. The only thing constant in life is change, so don’t wait for the stars to align before you do what you have wanted to do, do it now.

Don’t wait for the 1st of the month or Monday to start your fitness regime or your new eating habits, start them now. Don’t wait till you have the perfect job to start saving for your down payment, start doing that now. Don’t wait for the real estate market to change for you to buy your home, do it now. There is another old expression and it says that the best time to plant a tree is 20 years ago or right now.

Don’t wait for things to change before you act. Act now and become the change you want to see in the world. Every day is a new opportunity to be better than you were yesterday so don’t waste it.

Today I am thankful for the slower pace of a long weekend, discovering great books on my bookshelf that I have never read and the satisfaction of a challenging file finely closing.

“Everyone thinks of changing the world, but no one thinks of changing himself.” Leo Tolstoy

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 it go

Thinking that you can control ever aspect of your day is ludicrous, let it go and focus on what you can make a difference on and your stress level will drop considerably. Most of us ( myself being no exception) are wound too tight worrying about every little aspect of life when in actuality many if not all of these things are beyond our control.

First off you have no control over the weather so let it go. You have no control over how other people react so let it go. You have no control over the economy so let it go. You have no control over your past, who your parents are, when you were born, time or death so just let it go.

Instead shift your focus on what you can control. These are things like your mindset or your attitude, your level of physical activity, how you spend your time, your reactions to events and people around you, your social network, how you treat others, your meals and your work ethic. Doing this your life will be much less stressed and you will be considerably less anxious.

Today I am thankful a great thoughtful conversation with leader in our industry, a file that finely closed after almost 2 and a half months and options I had not though of now becoming available.

“You cannot control what happens to you, but you can control your attitude toward what happens to you, and in that, you will be mastering change rather than allowing it to master you.” Brian Tracy

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

It takes time

It takes time for the really important things in life to happen for you. What people don’t realized is that the so called overnight success take years of hard work that we don’t see happen.

It takes time ( several years in fact) to become a Doctor or a Lawyer yet not time at all to work in an entry level low paying job.

It takes time to get into the best shape of your life, yet requires no effort to watch 4 or 5 hours of tv every day.

It takes time to build a great loving relationship with your partner yet no time at all to hang out and drink with the boys.

It takes time to build a book of business in sales, yet not time at all to complain why you’re not succeeding.

It takes time to save up a down payment for a house, yet no time at all to splurge your pay check on things that you don’t need.

Focus on where you want to go and enjoy the process and you will get there.

“Time is free, but it’s priceless. You can’t own it, but you can use it. You can’t keep it, but you can spend it. Once you’ve lost it you can never get it back.” Harvey MacKay

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