Nicole Hayes' January Home Newsletter

Nicole works for you, not the lenders.

"Problems become opportunities when the right people come together."

Dear ,

It is a Happy New Year! I am very excited about 2010, with a wonderful new assistant I am ready to raise the bar and provide even better service for you and your friends and family. We are passionate about helping make our client's dreams come true.

This last month I had the pleasure of helping a lovely young couple buy their first home - they are self employed and had been turned down repeatedly. Finally - they were referred to me! (I was their third mortgage broker.) It was not easy but with my expertise, and a network of excellent lenders, I was able to secure their financing and they will soon be moving into their new home!

Rates are rising by .2 to .3% - if you or anyone you know is planning to buy or refinance in the near future call us today to ensure that you have the very best mortgage options available!

To your joy & success!

Nicole

How to reinvent yourself and thrive in 2010

If this is the year you want to create a new you-whether that means being healthier, having better relationships, earning more money or leaving behind a non-productive behavior-here's a proven way to get there:

Ask yourself some questions. What's your special gift or talent? What assistance do people come to you for? What would you do with your life, even if you weren't getting paid? What would you be, do or have if you knew you could not fail? Uncover your strengths, passions and dreams. This is the first step to a new YOU!
Set your goal. Be clear and specific. It's not just "achieving career success", it's "becoming self-employed in the IT field and earning $75,000 annually by the end of 2011". Make your goal achievable and easy to measure. Don't just say you want "to lose weight, get fit and look fabulous", say you want "to lose 30 pounds, be able to swim 100 lengths per week and be in a totally new wardrobe by October 31st, 2010".
Envision how you'll feel when you achieve it. Imagine how healthy and energized you'll feel after you've been eating fresh, organic food that you prepared yourself. See yourself behind that corner-office desk. Experience the feeling of achieving your goal, and use that energy to keep you motivated.
Create a plan to get there. Ask yourself what steps you need to take, then draw up a detailed plan. Focus on making slow, steady progress and getting used to new behaviors. When you experience doubt, re-imagine what it'll feel like to succeed. Be sure to reward yourself for each step you complete.
Fill your mind with successful examples. Spend a few minutes every day reading or listening to stories of people who are already living the life you want to live. This will inspire and motivate you to keep charging forward.
See setbacks as opportunities to learn. There will always be failures along the way. But don't beat yourself up. Analyze what happened and why, and what you could have done differently. Then take a new path that will get you to your goal!

Current Best Mortgage Rates

The Mortgage Centre Rate Update - January 8th, 2010

		Closed	Quick Close Specials
First Mortgages Second Mortgages Also Available	6 month	3.85%
	1 year	2.25%
	2 Year	2.90%
	3 Year	3.45%
	4 Year	3.79%
	5 Year	3.89%	3.79%
	7 Year	4.45%
	10 Year	5.30%
	Variable	2.00%	3.05% (open)
	Prime @ 2.25%

These rates are are subject to change at any time without notice. Please contact my office for up to the minute rates.

Resource of the Month:
Here's an opportunity to consult with a top-notch financial planner, without any cost or obligation!

With another year behind us, this is a perfect time to starting thinking about creating a retirement plan or reassessing the one you already have. Are you certain that you're on track to reach your goals? Do you have any retirement goals? These are the kinds of questions you need to be asking yourself before it's too late!

It's pretty fair to say that most people spend more time planning their next holiday than planning for the their financial future. Perhaps you may be weary at the thought of seeking financial advice in these turbulent times? Understandable! After all, each passing day seems to bring more and more bad news out of Wall Street. Listen, if you can pull yourself away from the 'doom and gloom' coming from the media each day, you can actually place yourself in a great position with your financial planning.

That's why we strongly recommend that you take advantage of a Free, No Obligation Financial Consultation. We work with a talented team of experienced financial planners who are available to analyze your current situation and implement strategies to help you achieve your financial goals. Whether you're in need of a financial tune-up, looking for ways to increase and protect the wealth in your current plan, seeking to reduce your taxes or looking to start your RRSP off on a sound financial footing, here's a chance to consult with a financial expert - for free. To get your new year off to a great start call 604-562-5055 or email us today.

Achievement Tip of the Month:

Why Most New Year's Resolutions Don't Work

Let's face it, New Year's resolutions are a minefield of broken promises, disappointments and defeat. We've all made dozens of resolutions over the years only to see most of them come to nothing. But it doesn't have to be that way. By knowing what the pitfalls are and how to avoid them, you can finally achieve success.

Why now? Just because it's January 1st doesn't mean it's the right time for you to make an important change in your life. It's much wiser to choose a time when you're ready to commit to doing whatever it takes to succeed. Are you truly committed?
Don't buy into the hype. Sure, it's fashionable to lose weight or get fit in January, but are those the most important issues in your life right now? Instead of listening to the media, choose a goal that has meaning for you.
Get real! How likely is it that you'll really be able to bench press 150 pounds by June? If you're setting the goal too high instead of working up to it, you'll almost certainly fail. Instead, break your goal down into smaller, more achievable milestones with a target date for each one.
It's OK to enjoy yourself. The point of setting resolutions is not to inflict pain on yourself. It's to achieve an important goal. Don't force yourself to do exercises or activities you hate or learn about something you're not interested in. Choose constructive things you already like to do-like dancing, swimming or learning new recipes-then have fun doing them more often.
Find a success partner. Individuals with integrity are highly motivated by keeping commitments they make to others, privately or publicly. The making of such commitments serves as powerful inspiration. Ask your spouse, friend or mentor to hold you accountable, or better yet, do it with you.