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22 Nov

What you don’t know could be costing you thou$sand$!


Posted by: Brian Marling


This article is provided by Brian Marling, Accredited Mortgage Professional, of Neighbourhood DLC – Canada’s #1 Mortgage Team  905.372.7222

It never ceases to amaze me the amount of time we spend on some areas of our lives as opposed to the amount of time we do not spend on other areas of our lives. For example, all kinds of surveys tell us that the average person spends somewhere between 6 – 8 hours a day in front of the television, but probably less than half an hour a day on average in some form of physical exercise. Or what about the amount of time we spend on planning our vacations, organizing our homes, being on facebook, programming our iPod, etc etc versus the amount of time we spend on planning our finances and securing our financial futures. In my 15+ years in the financial services industry it has been my experience that most people spend very little time in planning and managing their personal finances. Why is that?? 

The typical answer usually has something to do with “leaving it to the professionals”, and yet never in history have we had more information available to us then we know what to do with. Yet, the area of money or financial management still seems to be a great mystery to most.  Add to that our Canadian reserve and many  don’t even like to talk about it. The problem when it comes to the financial arena is that what you don’t know is likely costing you thousands.

Every week I help my clients save thousands and thousands of dollars by educating them on the things they don’t know – and I love doing it! One of my favourite expressions is, “You don’t know what you don’t know.”  So quit beating yourself up, get your head out of the sand and find out. The key here is to getting professional unbiased advice.  My business, of course, is in the mortgage arena, but our passion is in helping our clients to get out of debt as soon as possible and stay out of debt forever. Most people need help in this area for what I believe are obvious reasons.  Mainly due to the fact that we receive very little, if any, training or education in this area. Combine that with the fact that financial institutions really do not have a vested interest in your becoming debt free – think about it.

More than half of Canadians say they’re making good progress paying down their debt, still many fear it’s not enough, according to a new survey. 

Harris-Decima and CIBC polled more than 2,000 adults and found 72% are holding some form of debt. The good news is 61% say they’re making good progress repaying it with many recently making at least one lump sum payment on what they owe.  The bad news is 42% feel their debt burden is weighing on their financial goals.

The real problem in my opinion is not just the debt itself, but the feelings of helplessness when it comes to trying to figure out how we got in this mess and how to get out of it – easier to just watch TV  I suppose. Some situations are more challenging than others for sure, but the key is to at least start the conversation.  It would be my pleasure to give you a free mortgage check-up and debt analysis to see whether or not there are thousands hidden and just waiting to be unleashed.  What you don’t know could be costing you thou$and$ – wouldn’t you prefer it in your pocket as opposed to your creditor’s??

These are the kinds of things we discuss on a daily basis with our clients – hopefully before mistakes are made. As Mortgage Professionals we care about your entire financial picture and offer expert advise designed to help you become debt-free as soon as possible and on your way to creating real wealth.

Because Neighbourhood DLC is Canada’s Largest Mortgage Team, we can offer you the absolute best products, service, advice & pricing. Call me today, Brian Marling 905-372-7222 for a Personal & Private consultation.  

Here at Neighbourhood not only do we provide Award Winning Service and the best selection of mortgage products in the country, but we also offer our Free Financial Fitness Seminars and have added Personal Financial Coaching for those who truly desire a change but would like some assistance along the way. If you don’t change something, then don’t expect different results.  As always you can call us anytime to discuss how we may be able to help you.

At Neighbourhood, & the home of the Brian Marling Mortgage Team, we are concerned for the total well-being of our clients. That’s why we are taking the years of experience from our award winning office and offering a series of FREE Seminars to our clients and their friends & families and to the public at large. The seminars, entitled ‘Financial Fitness’, will be offered free of charge and will cover all the secrets of successful personal financial freedom.  If interested please call our office at 905.372.7222 to reserve your spot as seating will be limited.

SPECIAL NOTE:  We have recently bought our own building and would love for you to drop by and say hi.  Come see us at The Neighbourhood Professional Centre  #9 James Street East in Cobourg – right off of Division Street