Tag Archive for: Mortgage solutions

Wrong Number

Ever since the start of the pandemic I have called and talked with my family every Friday morning. I call my two brothers and two of my cousins that we were all closest to glowing up. You see as we get older ( and nobody is getting any younger) it’s the relationships that we have in life that are more important than the stuff in our lives.

It’s also because that since we have all lost our parents in the past decade and my Mom was the glue for most family gatherings, I didn’t want to lose that. The catalyst was not the pandemic but I think my younger brother’s heart attack and then my older brother getting Covid, both very early in the pandemic that did it for me.

So today while logging on for the fist time in a few days ( we did have a holiday yesterday) I heard about the storms that ripped through Ontario over the weekend. My cousin Nancy who I talk with every week lives just outside of Ottawa and so I texted her to see how she was doing and recovering from the storm. I must have selected one of her old numbers on my phone as the person who received it was not her. Which prompted a call to the correct number to check in to see how everything was going.

So as good as a quick text is, it’s always better to call and talk with someone to see how they are doing. Relationships are the most important stuff in our lives so keep them in great shape.

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

Happy Victoria Day

I hope that everyone is enjoying their extra day off.

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

On Quitting

I have to confess that when thing haven’t gone exactly to plan, I’ve had a tenancy to just pull the plug and quit. However some of my biggest life lessons have come from when I’ve continued down the path and it went horribly wrong. You never learn anything when you have gotten it right the first time around, it was just too easy.

Yes I have regrets but the lessons learned far outweigh the disappointments. I have had business relationships that have not gone according to plan, it may have hurt at the time but I know I have grown and developed as a result of having the relationship. The same also applies to business strategies, personal relationships, fitness routines and general nutrition.

Quitting and failures are a part of life, and people put too much emphasis on those two things and not enough on the lessons learned as a result. It’s your own and others lessons that help us truly move forward and make progress in life. One of the reasons that I enjoy reading biographies so much is to learn from others so those same lessons can then be applied to my life.

Too many people just post about their successes, yet the truly successful have failed more times than they have succeeded. The important point is that they have continued to pick themselves back up when they have fallen or stumbled. To continue moving forward no matter how slowly the progress is the key to success.

You can either look back on life with regret or you can look back and learn. I prefer the latter.

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

Breaking Point

Sooner or later our procrastination goes too far and we get to the breaking point and we finely buckle down and get the work done. The funny thing is that while doing it you realize that it wasn’t so bad after all. So if you have delayed the term paper till the absolute last minute, or filing your taxes, swapping out your winter tires, cleaning your gutters or cleaning out your house, know that the time to complete them is just a fraction of the time that you have spent procrastinating getting them done in the first place.

Chip away at tasks that you think in your mind are too large to accomplish all at once. Schedule it in your day to do a little bit at a time every day so you won’t end up pulling an all nigher the day before it’s due. I have always loved Jerry Seinfeld’s approach to this by looking at tasks as link in a chain and doing a little at a time every day without fail. That is how thing get done.

So don’t wait till it’s too late to get the important things accomplished, just start today and do a little bit at a time each and every day. Those perceived insurmountable tasks are much easier accomplished when taken small step at a 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

Cost of living

One of the biggest obvious increases in the cost of living is the drastic increases to the price of gas. This effects almost everything else around us. This is carried over to increase the cost of shipping food and almost everything we use today. The jokes about needing a loan to buy gas is not so much of a joke anymore.

So while electric vehicles seem to be the logical solution. Not everyone is is a position to purchase one nor is the infrastructure or product available for the mass market shift that we really need right now. Maybe this will be a wake up call similar to the gas crisis of the early 70’s when the major car companies then shifted toward small and more fuel efficient vehicles.

Truthfully complaining about it does not do us any good. Those of us who live in urban area’s can shift towards public transportation, biking or walking to where we need to go. I have always believed that within ever problem is the seed of a greater benefit. In this case we just have to find the silver lining as currently it is not evident.

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

New Record

The consumer price index ( how we track inflation) hit a 31 year high for the month of April at 6.8%. Up .1% from March. The increase is a result of higher food and housing costs. The causes of this stem from the war in Ukraine and supply chain disruptions in China due to Covid. While global crude oil prices declined in April, they have vastly increased in May so we may be in for another record for the May report.

As a result of the record high CPI we are pretty much guranteed for another Bank of Canada rate increase when they meet next on June 3rd. What we don’t know is if it will be another 50 basis points like the last time or just 25 basis points like the first increase we had earlier this year.

So while the costs of everything in life has been steadily rising, the wages that we are getting paid is not keeping up with the high costs of living. They did go up 3.3% as compared to last year but this is still not keeping pace with the costs to keep food on the table so sooner or later something will have to give.

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

Helping Hand

We have all had times in our lives where we have lent a helping hand to friends, neighbours or even total strangers. It could be as simple as helping someone carry their groceries while they wrangle their kids, helping them move, mow their lawn, build a deck or even lend them some money.

Helping someone out is always an easy decision when they are also working with you by continuing to help themselves. I don’t mean in a quid pro quo situation as that is never a reason to help someone in the first place. However what I mean is when someone asks for help but they for what ever reason have also been unable or unwilling to help themselves then that is just a bad idea.

By continuing to help someone who will not for whatever reason help themselves is just enabling and compounding the problem. My mother tried for years to help her alcoholic brother but he would always relapse and fall off the wagon. When she passed away in 2005 he was in a dry spell but sadly that did not last for long. My private lenders are a resource to help those who are in a tricky situation and need a solution when everyone else has said no, however not every client can be helped as they must also be willing to put in the work to improve themselves. Sometimes the risk is too great even with lots of equity in a property if someone is unwilling or unable to help themselves.

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

Special Day

Today is my special someone’s special day that comes once a year. What do you do for someone who always puts everyone else fist but yet says that she doesn’t need anything. This is the problem that I face today. It’s nice to surprise someone that does so much for everyone else. What could you do today for the people who love and support you to show them how much it means to you.

“The best way to find yourself is to lose yourself in the service of others.” Mahatma Gandhi

Today I am thankful for getting up early to ease into my day, getting a run in-between the rain today and my wife’s birthday and the surprises that I have in store for her.

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

I am Canadian

Everyone remembers the original Molson Canadian ad from 2000 with the iconic I am Canadian rant. Well last night Simu Liu while hosting the Juno’s updated that rant for 2022. Here it is for your viewing pleasure.

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

Preaching

I just wanted to start off by apologizing if any of my posts come across as preaching. The truth is that if I am writing about motivation then it is because I have found that I needed motivation. The same can be said if I am writing about habits, personal relationships or mindset.

My daily blog posts are also somewhat of a journal for what is happening in my life at the time. I find that writing it down and sharing it very therapeutic. So if anything resonates with you then that is fantastic, if it doesn’t that is fine too.

What lead me to write this today is that over the past year and a half I have been dedicated to reading more and more. While I have primarily read non-fiction I have also enjoyed a few fiction titles as well. I recently devoured a book that Walter Isaacson wrote on Leonardo Da Vinci, and found his life and accomplishments very fascinating.

However the current personal development book I am reading ( I will leave the title and author out of this) I find very preachy and it talks a lot about what to do and not to do without giving any personal reference. The best examples are personal stories of people who have lifted themselves up and vastly improved their lives. Those stories I love, so if you come across any of those please let me know.

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