Tag Archive for: Mortgage solutions

Start over

When things aren’t going your way, take this as an opportunity to start over rather than quit. Not everything goes according to plan the first time around and the most successful people in life realize this and are persistent as a result. Learn from what was not working and keep trying until you achieve your desired result.

Also what if anything did you learn if it went well the first time? Not much really, as you learn more from when it didn’t work out and you had to start over and try again. So do not think of all these attempts as failures but rather as learning experiences that make you better and better each day till you finely achieve what you set out for in the first place.

Today I am thankful for all the times I have failed and had to start over, for everything that I have learned along the way that has made me into there person I am today and for those around me who never gave up on 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 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

Better late than never

The good things in life take time. As much as we would like there are no real quick fixes to most of our major challenges in life. There is no pill to take to make you skinny or smarter, and buying lotto tickets is not part of the ideal long term financial plan.

That good month you are having now at work can be traced back to months and months of prospecting and cold calls. The same for your current level of fitness, the early morning workouts that you did even though you didn’t want to get out of bed paid dividends.

So appreciate the fruits of your labours when they finely arrive as you put in the work and you deserve it. When people call you an overnight success they are discounting all the work that you put in to get you were you are today. You did this and good for you.

It takes years of saving to build up an amount for a down payment on a home, and that alone you should celebrate as getting to be a homeowner is better late than never.

Today I am thankful for workmen finely showing at my house to demo my office, my son loving his basketball camp and yes the beautiful summer weather that we are experiencing now even the heat.

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

Jack of all trades

The old expression goes ” jack of all trades, master of none”. Yes there are the rare few among us who are polymaths but they are more the exception than the rule. When your issue is important and specific it is best to deal with a specialist.

There are those in the big 5 branches who do much more than just mortgages, they also open accounts for you, your investments, your insurance and credit cards. If your question is a general one, these may be great people to seek out. However when it is something more specific then it is time to seek out the advise of someone who is a specialist in that field.

The same applies in the mortgage broker channel. Given the diversity of the types of product available there are brokers who do mostly AAA files, those who do alternative or B lenders, private lending and commercial. Someone who does AAA clients may do the occasional other file, however if you need is specific and important it is best to seek out the expertise of someone who deals mostly in that area.

Today I am thankful for the ability to work outside on my back deck on this beautiful summer day, that I fit a workout in between appointments and watching and hearing the birds while I get some work done.

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

Never Ending

The process for learning is never ending. It used to be said that when you grew up ( what ever that means) you would not have to take any more courses, classes or do any studying. However since we are always growing and learning or at least we should be, there is always something new to learn.

Those who read regularly are more creative, less stressed, happier and are paid more than those who do not read on a regular basis. Yes it takes time and we are already quite busy, but this is something you need to make the time to do. It’s just like exercise but for your brain.

A few years ago I would read maybe 5-6 books a year, and was very sporadic in my reading habit. That changed last year when I committed to doing at least 20 minutes a day. Last year as a result I read 25 books and this year my goal is to hit 30. I am also taking courses to keep up with the latest and greatest in the world of mortgage brokering.

Just as life is every changing, we must adapt to the changes around us and reading is the best way to do that. There is no standing still, and reading facebook or twitter updates does not count as actual reading. So if you have read this far you should have at least 5 min a day to read and expand your mind. Start with something lite and fun and go from there.

Today I am thankful for my daily reading habit, all the people and the places I have seen as a result and the continued curiosity to learn more.

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

Extreme Focus

Having extreme focus on small micro tasks will allow you to achieve monumental goals. We far too often get caught up in the pie in the sky big goal that we convince ourselves that we can’t do it. However these big goals are just small micro tasks accomplished and stacked one upon another.

There are plenty of people who are capable of running a marathon which is 26.2 Miles or 42.195 Kilometres. They don’t suddenly wake up the day of the event and decide to do it with out any training. They train for it, even if they have never run before it is still possible. Any training program can be scaled down to the simplest task, so all you have to do is stack one achievement upon another and you will get there.

Focus on what you can control. Sure that distance may seem overwhelming if you don’t run regularly. So just break it down into bite sized pieces and build on it. Start with 400M if you have to, stay consistent and keep adding to it and you will achieve it. This also applies to almost anything that you want to achieve like saving for a down payment on a new home. Start with small actions, repeated regularly will lead you to your objective.

Today I am thankful that I broke part of my workout down to bite sized pieces that made it very easy to complete, a nice quite morning to read my book on the back deck and by excelling at the small things you can achieve so much over time.

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

Get Lost

Since it is a beautiful summer long weekend, it is also the perfect time to get lost. And no I don’t mean getting lost in the woods, unless that is what you are into then fill your boots as they say here in the Maritimes.

Get lost in conversation with a loved one.

Get lost in thought while enjoying one of our beautiful beaches or lakes.

Get lost in the stores while hanging out with friends & family.

Get lost in playing the game that you forget to keep track of the score.

Get lost in mediation and truly find your inner peace.

Get lost in a good book which is what I will be doing today.

Today I am thankful for the beautiful running trail that is so close to my house, the great book that I just finished and the one that I just started 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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Bang for your buck

People often wonder what gets the most bang for your buck, paying off debt or investing for the future ? Well I think it all boils down to which will give you the greatest return. It is best to look at the costs of your debts, do you just have a mortgage with a rate below 5% or do you also have a line of credit, credit cards and a vehicle loan.

If you can generate a greater return in the market higher than what you are paying to service your high interest credit card debt then by all means invest it in the market. However unless you are Warren Buffett, George Soros or Ray Dalio you should start by paying off your high interest debts before investing in the market.

There is one thing to consider before you put your tax return, your bonus or your big commission towards paying off your debts and that is have you set up and funded your reserve fund? It is important to have a reserve fund with at least 90 days of your living expenses as this will prevent you from falling into credit card debt if you hit a rough patch in the future.

Today I am thankful for a quiet house and the sound of rain, discovering new music or music that I have not heard in a long time by using auto play from Apple Music and for the kind words from 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 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

Economic Data Q2

The national GDP numbers just came out and our economy grew by .8%, which was well below the forecasted growth of 1.4%. This was our weakest performance in three quarters due to a sharp drop in international exports and lower government spending.

The United States who just recently published their economic data and it showed that they now have two consecutive quarters of negative which is the definition of a recession. While we here in Canada have not had as high of inflation as the US nor the current lows of their GDP, there are still predictions that we will have two consecutive quarters of negative GDP data very soon as well.

While personally there is not much we can do as individuals to influence the overall financial health of the country, there are actions that we can take to prevent our own economic downfall. Do things like pay off or down your unsecured debt, make sure that you have a 90 day reserve fund and live well within your means. Doing these things will make sure that you personally will be fine during any economic downturn.

Today I am thankful for the well deserved rain that we received today, helping my teenaged daughter discover music from my generation and that she actually likes it.

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

Forward momentum

I find that nothing beats consistency. Good habits done once are meaningless. We all want to eat better, to exercise, have better relationships and to be better with money. However doing all these things once in a blue moon and not on a regular basis will not get you to where you want to go.

This is because our habits define us. If you want to really get to know someone then find out what they do on a regular basis. Great habits will give you lots of forward momentum to achieve your goals while poor habits are like an anchor around your neck.

You don’t have to swing for the fences and take massive actions all at once, but you do have start doing something. So start small and continue with your actions every day and you will be surprised at the results that you can achieve.

Today I am thankful for a great run with a neighbour this morning, closing happening today after months of work and new projects on the horizon thanks for clients who have referred 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 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

Cottage Life

Sorry I was unavailable most of the day as I spent a well deserved day away at my brother’s cottage. I am thankful for a fun day with family, laughs at my expense and that I lost my sunglasses ( the to bottom of the lake thanks to falling off the seadoo) but found out that nobody liked them anyway.

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