I recently heard a story about swimmers, surfers, drowners & sailors told (not necessarily invented) to me by the infamous Roy H. Williams of The Wizard Academy in the Tuscan Hall. You may wonder what this has to do with producing great mortgages in London, Ontario, but just wait and see...
He said, swimmers are those who seem to ride the currents of the ocean and get pushed around and end up exactly wherever they end up and don't really think otherwise about it.
Surfers, on the other hand, get excited everytime a new wave (This is what happens when we focus only on rates; click on the link to check out all of these multiple options with no real strategy) comes along and ride those, but also end up wherever, but put such passion behind riding each wave.
Drowners are those who professionally see the world through foggy glasses, where the world acts upon them, with comments about victimization and a doomed outlook.
Sailors, are those who pick their destination, lock their course and adjust to the currents and waves as needed to achieve their goal.
It is ironic that in finances, too, we tend to fall into one of these four categories.
Some of us accept our debt and spending habits as is and really don't care about much except that there is enough to live in the moment. Then, there are some of us who are always looking for the next product (wave) and get extremely excited about how that specific product is going to change our circumstances only to find out that the wave eventually disappears. They then pick up their surf boards and wait for the next wave.
Drowners are those who blame the stock market, or the bank or their spouse for their financial challenges. I find that there are way more people who act this way then they'd like to admit. Need I say more??? I am depressed just writing about this!
Finally, Sailors don't wait, ride the trend or blame. Rather, they lock their sight on what their life goals are and what it is that their finances are supposed to achieve in relation to those goals. They then use products with a strategy and the right professionals to attain that purpose. Of course, there will be challenges, waves, currents and even some storms, but that fixed purpose is what charts their course to success.
What will be your purpose, your goals in life? If you've never really thought about it, then how do you know where exactly you're going to go? Your goals should be the guiding factor in every decision, from buying a home to what type of mortgage is the best for you. We are ready to help you discover the path to financial success, and avoid just swimming, surfing and especially drowning!
Thanks for reading!
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