If you're a Canucks or Bruins fan you know exactly what I'm talkin' bout !
Apparently, as Tony Parson's reports here in this video, a long playoff run by your favourite team is causing you to gain weight unexpectedly.
http://www.youtube.com/watch?v=tCCDWQ4XbVg
What!
Do you love your Canucks enough to put on 10 lbs?
I sure as heck do.
I just figure a good ole round of P90-X after the stanley cup parade will be enough to get me back to my playing weight...haha
Enjoy the game tonight!
Until tomorrow...
Kevyn
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Wednesday, June 8, 2011
Thursday, June 2, 2011
Are you the pawn or the player?
Ok so here it is.
While I lay in bed at 4 am, wide awake because my daughter decided to join our bed and proceed to toss and turn until I was wide awake, I got to thinking.
No that burnt rubber smell at 4am was not from me!
But what I was thinking about is quite interesting to me anyways.
My thoughts kept coming back to ma and asking the same question...
"How indispensable am I to my clients..."
Like so many minimum wage earners in Queens, that stand on the street corner every morning hoping to get a contractor to come by and pick them up for a days worth of work, I don't want to just be a choice.
I want to BE the choice when it comes to Mortgage Financing for circle of influence.
I don't want to be the one on the street corner after the Contractor has driven away, standing in the cold hoping that one day I will get chosen so I can earn a decent living.
That is leaving a lot to chance is it not?
So, can I become indispensable?
Damn rights I can.
The first thing we need to realize is that is has all been done before. I am not reinventing the wheel and going to be the first.
Other people have survived way worse than me - a meddling mother in law, nagging wife, friends that are doomsayers, glass half empties- and have done the challenging work to make themselves indispensable.
That's a nice thought because that means that it is not impossible.
Another nice thought as well is the fact that they were not born with a magical talent.
They were not gifted anything that I did not receive from my parents.
No, they just trained themselves to think differently. They decided one day to be that way.
Just as I have in the last few years.
Wish I had more of this available on my webpage for those who would read it. What I do have is everything mortgage related you could think of. And if I don't, I will find it for you.
www.kevynoyhenart.ca
Enjoy your successes today.
Kevyn
While I lay in bed at 4 am, wide awake because my daughter decided to join our bed and proceed to toss and turn until I was wide awake, I got to thinking.
No that burnt rubber smell at 4am was not from me!
But what I was thinking about is quite interesting to me anyways.
My thoughts kept coming back to ma and asking the same question...
"How indispensable am I to my clients..."
Like so many minimum wage earners in Queens, that stand on the street corner every morning hoping to get a contractor to come by and pick them up for a days worth of work, I don't want to just be a choice.
I want to BE the choice when it comes to Mortgage Financing for circle of influence.
I don't want to be the one on the street corner after the Contractor has driven away, standing in the cold hoping that one day I will get chosen so I can earn a decent living.
That is leaving a lot to chance is it not?
So, can I become indispensable?
Damn rights I can.
The first thing we need to realize is that is has all been done before. I am not reinventing the wheel and going to be the first.
Other people have survived way worse than me - a meddling mother in law, nagging wife, friends that are doomsayers, glass half empties- and have done the challenging work to make themselves indispensable.
That's a nice thought because that means that it is not impossible.
Another nice thought as well is the fact that they were not born with a magical talent.
They were not gifted anything that I did not receive from my parents.
No, they just trained themselves to think differently. They decided one day to be that way.
Just as I have in the last few years.
Wish I had more of this available on my webpage for those who would read it. What I do have is everything mortgage related you could think of. And if I don't, I will find it for you.
www.kevynoyhenart.ca
Enjoy your successes today.
Kevyn
Wednesday, June 1, 2011
Have you heard of the Husband and Wife Mortgage?
Haha just kidding but it could be loosely applied if you will.
The reason the joke works is that for the most part when it comes to mortgage lending and choosing a rate for the loan. Women tend to be more conservative and the men more aggressive.
Hence the birth recently of the 50-50 or Hybrid mortgage.
Now you can have your cake and eat it too!
Want some more info regarding this innovative product?
Log on to my web page and read up on what is quickly becoming a popular product and not just a blip on the Mortgage radar screen www.kevynoyhenart.ca
Until tomorrow...
Kevyn
The reason the joke works is that for the most part when it comes to mortgage lending and choosing a rate for the loan. Women tend to be more conservative and the men more aggressive.
Hence the birth recently of the 50-50 or Hybrid mortgage.
Now you can have your cake and eat it too!
Hybrid mortgages – also known as 50/50 mortgage products – include an equal mix of fixed-rate and variable-rate components within your single mortgage. This means you get the best of both worlds – the security of fixed repayments with the flexibility of a variable rate.
Although there was a time in recent years when mortgage experts considered a variable-rate mortgage as the obvious choice to save mortgage consumers money over the long term, with fixed rates remaining near historic lows, a 50/50 mortgage may be a great alternative for you.
In essence, since it’s extremely difficult to accurately predict rates over the long term, a 50/50 mortgage offers interest rate diversification, which can help reduce your level of risk.
If you opt for a 50/50 product, half of your mortgage is locked into a five-year fixed rate and half is at a five-year variable rate. You can lock in your variable-rate portion at any time without paying a penalty. As well, each portion of the 50/50 mortgage operates independently – like two separate mortgages – yet the product is registered as only one collateral charge.
The 50/50 mortgage product is well-suited to a variety of borrowers, including those who:
· Would normally go fully variable but are afraid prime rate is at its bottom
· Aren’t comfortable being locked into a fully fixed rate
· Can’t decide between a fixed or variable mortgage
· Savvy first-time home buyers
Some features of the 50/50 mortgage include:
· 20% annual lump-sum pre-payment privileges
· 20% annual payment increase ability
· Portability (the option to transfer your existing loan amount to a new property without penalty)
As the 50/50 option is a fairly new offering, according to a recent study by the Canadian Association of Accredited Mortgage Professionals (CAAMP), 5% of Canadian mortgage holders have 50/50 mortgages compared to 28% with variable-rate mortgages and 68% with fixed-rate mortgages. But many experts believe the 50/50 mortgage is quickly gaining momentum.
Want some more info regarding this innovative product?
Log on to my web page and read up on what is quickly becoming a popular product and not just a blip on the Mortgage radar screen www.kevynoyhenart.ca
Until tomorrow...
Kevyn
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