Thursday, June 20, 2013

Loyalty Doesn't Always Pay

Loyalty Doesn't Always Pay

I came across the article below recently that speaks to Bank loyalty and whether or not you receive the best interest rates over time if you renew your mortgage with your Bank vs. shopping it around at every renewal.

A Bank of Canada study found that loyal bank customers don’t get the best deal when they renew mortgage. People who switch their mortgage to a different bank at renewal and first time homebuyers who shop their mortgage do. Now, of course I have been preaching this message for years…. It’s what we do. So many times banks will give the perception that having all your accounts, mortgage and financing with them will get you the best mortgage rate That is simply not the case. Your mortgage is a large financial investment that needs to be revisited and put out for tender to get the best rate and mortgage terms to help you pay off your investment (the house) faster.

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Stay Motivated this Summer

You may not want to admit it, but you're probably longing to take a dip in a pool instead of working. Unfortunately, a busy schedule rarely allows for much of a summer break.

Hear what the experts, including pro athletes, authors, happiness experts and entrepreneurs, do to recharge. Read on for 10 ways to stay inspired to work effectively in the summer and even cull out some time to decompress.

1. Power through it.

It's tempting to take a break, to slow things down in the dog days of summer. But there's somebody out there who wants to be in your place. Keep working and you'll stay on top of your game.--Troy Vincent, former professional football player and current vice president of player engagement for the NFL

2. Make a (reasonable) list.

Every night, jot down the things you need to get done the next day. Try to move through all of them, but if you don't, just add them to the next day's to-do list. Keep the list manageable during the heat of the summer and do your best to get a bit done every day.

3. Create your own "quitting time."

In the summer, you need to make time to enjoy the sunshine, family and recharging. Create a reasonable work schedule. Work longer days to have extra time off or shorten your days by an hour or two, 'To keep going, I have to allow myself to stop.'"--Gretchen Rubin, author of The Happiness Project (Harper Perennial, 2009) and the forthcoming, Happier at Home (Crown Archetype, 2012)

4. Indulge in small summer pleasures and take breathers.

No matter how much you have on your plate, keeping a folder of fun summer events nearby. I urge all the Olympic athletes I'm training to get outside to walk or play with the dog, do some gardening or just lounge in the sun. Your work will be even more fulfilling the next day."--Doug Graham, trainer, 2012 Olympics

5. Revisit your vision.

In the day-to-day grind, vision can get lost, and entrepreneurs may end up miles off track. Take the summer to create a virtual vision board on Pinterest or with your team. When you write your vision down and keep it in front of you, it's harder to get off track."--Lain Hensley, CEO and founder of Odyssey Teams, a corporate team-building company

Related: How to Create a Vision Board for Business Ideas on Pinterest

6. Alter your routine.

"The smallest of changes in context make a big difference in motivation levels. In fact, research tells us that changing our environment can lead to a burst of fresh thinking and increased drive. Sure, jobs vary in terms of how flexible they are, but figure out a way to switch things up: Take a meeting or two outside. Work from a coffee shop for the afternoon. Turn what's usually a solo responsibility into a group effort, or vice versa."--Samuel R. Sommers, associate professor of psychology at Tufts University and author of Situations Matter: Understanding How Context Transforms Your World (Riverhead Books, 2011)

7. Follow the 15-minutes rule.

"Let's say there's a task that's hanging over your head. Resolve to work on this task for just 15 minutes. You can stand anything for 15 minutes and by working on it bit by bit, you can get a lot done. The hardest part is starting, and knowing that you can quit so soon makes the task a lot easier."-- Gretchen Rubin

8. Find ways to walk--wherever you can.

"When I work at my desk, I find myself getting sleepy, especially if it's hot and muggy. But when I work on my treadmill desk, which is simply a treadmill with my laptop perched on top, I feel energized. Walking raises your serotonin level, which is good for sharpening attention, and amazingly, walking and typing isn't that hard."--A.J. Jacobs, author of Drop Dead Healthy (Simon & Schuster, 2012)

Related: Six Signs You Need a Break From the Startup Grind

9. Expand your knowledge.

Use summer to learn more about your business, your clients and their needs. It helps recharge, do better work in the process and keep my work efforts moving in the right direction."--Chris Mulvaney, president, CMDS Marketing Agency

10. Never underestimate the power of an ice cream cone.

"I run my business from home and stay motivated to finish my tasks knowing I'll get to have an ice cream with my kids if I've put in a hard day's work."--Leslie Truex, owner of Work At Home Success and author of The Work-At-Home Success Bible (Adams Media, 2009)

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As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.

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