A smile is a sign of joy.
A hug is a sign of love.
A laugh is a sign of happiness.
And a using broker like me....??
Well, that's a sign of good judgement!!!
Hanabi Mortgage Solutions
Mortgage Planning - By Referral Only
July 03, 2009
June 26, 2009
Being Passionate
I believe that education is all about being excited about something. Seeing passion and enthusiasm helps push an educational message.
- Steve Irwin
In the pursuit of knowledge
Not to know is bad; not to wish to know is worse.
- African Proverb
For others
Life's most persistent and urgent question is, "What are you doing for others? "
- Martin Luther King Jr.
On Education
If you say you understand something, then you can explain what you understand to others. Anything short of that is deception, not understanding. Education, above all, should not be about fostering deception.
- R. J. Kizlik
June 22, 2009
3 things to look for in a loan or not; a poem.
The lowest interest rate is always the best
or not...
you'll last for one year as its guest.
The loans Manager has your best interests at heart
or not...
a mortgage planner knows better the craft.
To get the discount you'll pay higher fees
or not...
just keep it simple please.
By David Warren
When does 1 + 1 = 2,4,8,16.....1024?
How many times have you been in a situation whether that be in family, business, sport or a real estate negotiation where two parties have different points of view? I would guess lots of times and compromise is the position usually taken.
What does compromise mean, well it means both sides give and take and as a result 1 + 1 = 1.5 BUT never 2. In other words its a respectful happy medium but never a synergistic win/win outcome. Why not? A synergistic outcome requires both parties to open their minds and hearts to new possibilities, versions or options. To achieve a synergistic outcome takes time and openness in communication to overcome any defensive or protectionism. This in turn produces a high level of co-operation which has a high correlation with the level of trust between the parties. Now, when both communication and co-operation are high a true win/win situation is approached and produces solutions better than either party brought to the original table.
Moving forward, a culture is born between the parties that is highly synergistic and very often creative. This situation may be a one off or the formation of a very productive partnership.
April 29, 2009
Fight Apathy
My Graphic Designer came across this photo and it has become her inspiration for fighting apathy. Do you suffer from apathy when it comes to having a financial check-up of your mortgage? Act now, and who is the next person you know suffering from a bad case of mortgage apathy? Call me or email me for your mortgage check-up.
David.
April 23, 2009
How to be prepared for a date
I'm talking about financial dates of course and some of the things you need to know.
If we firstly look at purchases, then you have to know three dates:-
- the contract date
- the finance date
- the settlement date
You need to be prepared for the finance date by asking about the processing times for the lender you have chosen, sometimes these times may place your purchase in jeopardy by way of penalty interest payments because you need to ask for extensions to the finance date. The settlement date is very important, you need to be in touch with your legal partner as they will tell you about the process on the day.
Secondly for refinances you will need payout figures for any credit facility you need closed and make sure you have the Discharge Authority completed early as it is usually the outgoing lender that holds things up.
Your broker plays a very important part in keeping an eye on these dates and it should form part of the limousine experience.
True Success Stories
This is another recent addition to my ever expanding blog.
Why have this you may well ask, simple really, clients have requested it. They want to share their experiences as they went through the lending process and were thrilled to hear that I could setup a special page just for them. These comments are as they were sent to me and some have even wanted their photo on the page.
I guess you can only keep a good thing a secret for so long. So who is the next person you know that would like to be a part of the True Success Story page?
Send me an email and I will enjoy helping you to be become a True Success Story member.
