Peter Diamandis: Abundance is our future | Video on

Mar.14, 2012 by

TED Talks Onstage at TED2012, Peter Diamandis makes a case for optimism — that we’ll invent, innovate and create ways to solve the challenges that loom over us. “I’m not saying we don’t have our set of problems; we surely do. But ultimately, we knock them down.

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Books I have read that I recommend….

Mar.11, 2012 by

Recommended Books:

The Ultimate Sales Machine, Chet Holmes
The E-Myth, Michael Gerber
The 5 Love Languages, Dr. Chapman
Emotional Intelligence, Daniel Goleman
The 4 Agreements, Dr. Miguel Ruiz
Banker to the Poor, Muhammad Yunus
Creating a World Without Poverty, Muhammad Yunus
7 Habits of Effective People, Stephen Covey
Made to Stick, Chip and Dan Heath
The Fall of Advertising and the Rise of PR, Al and Laura Ries

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Life Lessons

Mar.02, 2012 by

Tip #1   You need to learn your life lessons

Tip #2   There is no mistakes, only lessons to learn

Tip #3   A lesson is repeated until it is learned

Tip #4   If you do not learn the easy lessons they become harder

Tip #5   Pain is the way the universe brings attention to you so you learn your lessons

Tip #6   You will know when you have learned your lessons when your actions change

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Banks Market Share of the Mortgage Market

Feb.25, 2012 by

Here The Bank’s share of the Mortgage Market in Canada

Rank Lender Mortgage Book Market Share 12 Mo Chg
1 RBC $186.3 billion 17.08% +32bps
2 TD Bank $157.0 billion 14.40% +87bps
3 CIBC $148.7 billion 13.64% -9bps
4 Scotiabank $145.7 billion 13.36% -15bps
5 Desjardins $81.3 billion 7.46% +5bps
6 BMO $71.2 billion 6.53% -38bps
7 First National $40.8 billion 3.74% +27bps
8 ING Direct $30.2 billion 2.77% +3bps
9 National Bank $29.3 billion 2.69% +22bps
10 HSBC $19.7 billion 1.81% -12bps

Source:  Canadian Mortgage Trends & McVay and Associates

Total Market is about $1.1 Trillion dollars.

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Negotiate the Best Mortgage Rate Directly with Your Bank

Feb.18, 2012 by

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Watching the News vs Watching Inside You

Feb.14, 2012 by

I love always to reflect about tested principles.  What I mean is when you watch the News is all about the gossip of today, what tragedy has happened in the last 24 hours and it my humble view, it leaves you empty, fearful and has no real benefit to you.

On the other hand, I love tested principles, that last over time, like this one from the Dalai Lama:


To help us bring benefit to others through our words and actions, it is useful to cultivate an attitude of sympathetic joy in others’ achievements and good fortune. This attitude is a powerful antidote against envy, which is not only a source of unnecessary suffering on the individual level but also an obstacle to our ability to reach out and engage with others.

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The New and Old Reality of Marketing – Horizontal Marketing

Feb.09, 2012 by

Horizontal marketing isn’t a new idea

by Seth Godin

But it is the new reality for just about every organization.

Vertical marketing means the marketer (the one with money) is in charge. Vertical marketing starts at the top and involves running ads, sending out direct mail and pushing hype through the media. Your money, your plans, your control. It might not work, but generally the worst outcome is that you will be ignored and need to spend more money.

Horizonal marketing, on the other hand, means creating a remarkable product and story and setting it up to spread from person to person. It’s out of your control, because all the interactions are by passionate outsiders, not paid agents.

Most marketers instinctually want control. We reach for the budget and the ad and the press release and most of all, the powerful media middleman. We buy SuperBowl ads or shmooze the reporter.

Horizontal marketing, though, requires giving up control. We spend all of our time and money on a great story and a great service and a remarkable offering. The rest is up to the market itself. You can’t control this, and you can no longer ignore it either.

Go to: Horizontal Marketing

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The Benefit of Reading – The Mortgage Letter

Feb.07, 2012 by

I am always making time to read a book.  Not only relaxes me daily but it shifts my thinking from the urgent of today to the important of a lifetime.  This is an idea I got to add value in my field of work:

To Request your Mortgage Letter: Mortgage Letter Request Form

If you find this idea useful please like my facebook page:


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How Weird Are We?

Feb.06, 2012 by

How weird are we?

By Harvey Mackay

For years I have been promoting the concept that you must “humanize your selling strategy.”  The short explanation for this plan is that you must match your sales approach to the individual or company who will buy your product.  How will it benefit them?

Let’s use envelopes as an example. What sets your very ordinary product apart from all the other envelopes that your customers can choose from?  Your selling strategy.  How you sell.  The relationships you have built with the buyers.  The pricing, quality and delivery that you are able to promise, and then the follow through.  Because you’re not just selling envelopes.  You are selling a person.

That strategy has been my ace in the hole for my entire selling career.  And no matter how much the customers change, the formula continues to work.

Seth Godin
I just finished reading Seth Godin’s fascinating new book that reinforces my thinking.  Starting with the curious title, We Are All Weird, I was taken with his observations.  Godin says that “human beings prefer to organize in tribes, into groups of people who share a leader or a culture or a definition of normal.  And the digital revolution has enabled and amplified these tribes . . . who respect and admire and support choices that outsiders happily consider weird, but that those of us in the tribe realize are normal (our normal).

“My argument is that the choice to push all of us toward a universal normal merely to sell more junk to the masses is both inefficient and wrong.  The opportunity of our time is to support the weird, to sell to the weird and, if you wish, to become weird.”

He explains that years ago, mass-marketing led to greater profits, that specializing or acceding to choices was not necessary because producers could make more money from “forced compliance and social pressure.”

Godin cites a statistic that in 1918 there were 2000 car companies active in the United States.  You may recall that Henry Ford’s production line process changed car manufacturing forever.  And he’s rumored to have said that a customer could have a car in any color, as long as it was black.  Was that the beginning of mass marketing?

On the contrary, years later Microsoft “knew that every single company in the Fortune 500 was using their software, usually on every single personal computer and server in the company.”

With that sort of success, Godin asks, “Is it any wonder that market-leading organizations fear the weird?”

Godin predicts the end of “mass” as we know it.  And he says that may make you uncomfortable if your work “revolves around finding the masses, creating for the masses, or selling to the masses.”

Rather than seeing this change as a threat, he says it is the opportunity of a lifetime.  “The way of the world is now more information, more choice, more freedom, and more interaction.  And yes, more weird.”

I can certainly relate to Godin’s premises.  My customers are not the folks who buy plain old #10 envelopes.  They need all sorts of specialized products that they can’t find at the mega-office supply store.  I would not characterize them as weird, but we see each account as having specific requests and needs that we can fill better than any other company.

Our company motto is “To be in business forever.”  We can’t accomplish that if we refuse to accommodate the specific, unique and occasionally weird orders that we receive.  Because if we don’t do it, someone else will.  And we are happy to take customers from other envelope manufacturers who don’t appreciate the “weird.”

So let’s go back to humanizing your selling strategy.  Whether you are selling face-to-face or through a website, your customer has to feel like their business is your most important account.  Do you know enough about them, about their lives outside their work, about why they buy from you rather than another vendor?  Do you tailor your sales presentation to address those needs?  Can they trust that you aren’t just all talk?

Will this trend put mass marketers out of business?  Probably not, but small businesses should pay particular attention to this phenomenon, because they can most easily adapt to selling to the “weird.”  Call it what you want, but Seth Godin makes being “weird” the new normal.

Mackay’s Moral:  If you can’t be all things to all people, aim to be all things to some people.

Post thanks to Harvey Mackay

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The Honest Broker

Jan.28, 2012 by

The honest broker

It really is a choice, one or the other.

Either you happily recommend the best option for your customer, or you give preference to your own items first.

Either you believe in what you sell, or you don’t.

Either you treat your best partners better, or you treat everyone the same.

Either you shade the truth when it’s painful to do otherwise, or you consistently share what’s important.

Either you always keep your promises or you don’t.

Either you give me the best price the first time, or you make me jump through hoops to get there.

Earning the position of the honest broker is time-consuming and expensive. Losing it takes just a moment.

Special Thanks to Seth Godin for sharing this insights with us. Seth Gothin Read Here

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