Tag Archive for: Vancouver Mortgage Broker

Delayed Gratification

We live in a very hedonistic society where everyone wants and believes in instant gratification. However it’s those who believe in and work towards delayed gratification are the most successful and happiest among us.

Instant gratification gets you a vacation with friends in Vegas at the last minute put on your credit card. Polished off a pint of ice cream, a bag of chips & a box of chocolate watching Netflix. A shopping spree and a night out on the town with friends because you just got paid.

However delayed gratification will get you a fat investment account that will pay you dividends for years to come. Physically fit and healthy compared to your peers who took the easy way out. Lastly you are better paid and have higher income than those who didn’t or wouldn’t put in the work. I know which one I would choose.

Today I am thankful for the result of years and years of hard work, that by waiting the rewards are far sweeter than if you chose the easy way out and the realization that you didn’t mis out on much 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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Obstacle course

Some people dream that life and success in life for that matter is a straight line from A to B. If it were only that simple. Others have even said that it is a marathon rather than a 100 meter sprint. I think the best analogy is that it is more like an obstacle course.

We have to learn to zig, zag, go over, under or around obstacles that are in the path of our ultimate destination. Remember that where this is a will, there is always a way to overcome any and all obstacles in our path. I hope that you have an amazing day and are able to conquer all the obstacles in your path today.

Today I am thankful for all the new books that come into my life since the holiday’s, all the lessons learned from all the obstacles that I have overcome and friends who helped me out of tight spots so client’s files could close.

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

Mad as hell

Sometimes in order to really reach the point where one has to change then you need to get mad as hell and not be willing to take it any more. This could be about your finances, your relationship, your health or any number of things. You didn’t all of a sudden wake up today broke, lonely and 50 pounds overweight. You let it happen and you are the only one who can do anything about it.

Don’t be confused by thinking that using the power of attraction will be the miracle that fixes it all for you. You have to get off your ass and take massive action to make it happen. Sure thinking positive is a great start, but it’s just that a start, the next step is doing something about it.

Sure there are many things in life that are outside of your control, however you are in full control of your effort and your attitude. So put on that positive attitude and follow it up with massive action and there is not many things that will stand in your way.

Today I am thankful for my home gym, it may be simple but it’s effective, my wife’s two year old laptop which is just what my daughter needs for a course at school and waking up before the alarm goes 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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Mr Speaker

For any large group to function as it should then it needs a leader who can speak on its behalf. Without that consensus there is chaos and nothing gets done. Classrooms have teachers, schools have principals, companies have CEO’s and political parties have leaders. All of these positions work well when these leaders have the support of the people they represent or lead.

While it is true that concessions have to be made from time to time, no group can and should be held hostage by a small minority trying to force their opinions and views on the majority. That is not a democracy. However recently it has evolved to the point where those with the loudest voices try to force their point across even if they do not accurately reflect the majority of the people.

For progress to be made then the majority can and should not be silent any longer. People always think that I am just one person what difference can I make. Rosa Parks was one person and you know her name cause she had enough and decided to speak up and make a difference. Malala Yousafzai was almost killed by the Taliban for speaking up about her right to an education. Greta Thunberg is making a difference in how we think about global warming. These are just three but there are many many more. It’s not too late to make your voice heard.

Today I am thankful to getting up to discover that Canada won gold in the World Jr Hockey Tournament, a workout that kicked my ass this morning and for speaking up on matters that are important.

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

Compartmentalize

compartmentalizekŏm″pärt-mĕn′tl-īz″, kəm-pärt″-

transitive verb

  1. To separate into distinct parts, categories, or compartments.

In layman’s terms, don’t let the fact that someone cut you off on the way to work, you split your coffee or your kids or spouse said something that you didn’t like rune the rest of your day. See it for what it was, an isolated incident and move on with the rest of your life.

Today I am thankful for the 3 weeks I got to spend with my girls while they were home for Christmas, an uneventful drive to the airport and now a very quiet house.

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

Always Options

Not much bothers me more than when someone says the reason that they did something that they later regretted is that they had no choice. You always have a choice. It is just sometimes we choose incorrectly.

  • We could chose to read instead of watching TV
  • We could chose to eat healthy instead of junk food
  • We could chose to get up early instead of sleeping in
  • We could chose to stay up late studying or preparing rather than trying to wing it
  • We could chose to do a workout instead of Netflix
  • We could chose to study more instead of complaining why you didn’t do well
  • We could chose to work harder instead of complaining about your boss or co-workers
  • We could chose to learn a new skill instead of saying that it can’t be done
  • We could chose to count our blessings instead of our faults
  • We could chose to take an extra job, longer hours or spend only what we make rather than bankrupsy

Remember that hard choices make an easier life and easy choice make a hard life. It’s up to you to decide.

Today I am thankful for David Goggins latest book, getting up earlier than I planned allows me to get more done and knowing that when you have the will there will always be a way to get it 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 (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Plan Ahead for 2023

Now that we are a few days into the new year and officially back to work, it’s a good idea to make some plans as to how you want the year to unfold. Cause if you don’t plan then you essentially plan to fail. Even if you had an amazing 2022, it is still a good idea to set new and bigger goals as nobody wants to stand still.

  • Do you have relationship goals?
  • What are your health goals?
  • What are your personal finance or income goals?
  • What are your contribution goals?
  • What travel destinations are on your bucket list for this year.

Find a goal that excites you. Don’t think small or write down something that you have done before. Make it big enough that it has to stretch you to reach it. The downside of not doing this is that you may find yourself doing the same thing that you have always done and helping someone else hit their goals.

Today I am thankful for a great holiday’s with my family, the excitement & drive to achieve fresh goals and the person I will become by exceeding them.

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

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

Christmas Break

The way the calendar works this year means that most of the people involved in financing will be off, unavailable or on reduced hours until January 3rd 2023. With the way the financial markets have been this year the break will be well deserved and allow me to spend some time with my family and plan for bigger and better things for next year.

So if you have any immediate financing needs then it will be best to get your request in very soon before all those needed to help you are no longer available.

Today I am thankful for having all my kids back home for Christmas, a lunch date with an old friend and the smell of fresh baked sweets all through the house.

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