I wish people who were sick with a cold or flu would stay home. I attended a couple of functions this past week. Lots of hugging and kissing on cheeks. Sure enough, a day or 2 after these functions, I wake up with a cold. If you have a cold, flu or some other communal disease, stay home. There is no need to share your situation with other people. Maybe we should pass a law that states if you have a cold or flu you must wear a sticker or your forehead that says "APPROACH AT YOUR OWN RISK!".
I was listening to a Wayne Dyer tape the other day and someone asked him - where do we go when we die? He said : where do you go when you sleep? He makes the point that when we die, our thoughts and dreams go with us. Thoughts don't die. I have no idea if this is true and we all have our own beliefs. But imagine if it were true that our thoughts, beliefs, dreams, good or bad don't die with us, but carry on. So I asked myself if the current thoughts and state of mind I have right now are what I want to take with me into eternity. And if not, what thoughts and things do I have to change.
Regardless of your professional, we have all had those times when we are in the zone or flow. It's a time when we are at our best, things are going our way. We are connected to the situation. What is the zone and how do we get there more often. Isn't it the ability to have total focus on the task at hand, to the exclusion of all other thought? I watch golf and am a avid golfer. It amazes me to see a golfer playing the last few holes of a tournament with a chance to win. Thousands of people are watching, cheering and yet they have the ability to block everything out, and focus on the task at hand. Announcers say he/she is in the zone. It seems to me all successful people are in the zone more often than others. That is one of the reasons why they are successful. Maybe we should set aside a certain time each day to let our minds wonder to our fears, doubts and all other distractions in this world, and then flush our mind and focus on the task at hand. See you "in the zone".
As I go through this life and I am constantly making goals and trying my best. I ask myself what is my premier goal in life. Probably to be happy. What goes with happiness? Good health, a relaxed state of mind, helping others, a reasonable degree of financial security, family and friends you love and love you. So my question is how do we get to have this state of happiness. How do we move our lives forward?
I remember a movie with Billy Crystal and Jack Palance called City Slickers. It is about three aged 40 something individuals who are looking for something that is lacking within lives. They go on a week's vacation out in the country to be cowboys for the week along with the veteran cowboy, Jack Palance. Their job is to drive a herd of cows from one destination to another. During this experience, there is much discussion about what is wrong in each of their lives and this is overheard by Jack. Jack takes Billy aside and says the secret to happiness is this and he puts up one finger. Billy says what is that and Jack answers - "just one thing". The secret to happiness is just one thing, but it is different for each person. You must find that one thing. So my question for you and myself is what's the one thing you and I need to do right now today to move towards greater happiness. Is it to phone someone I had an argument with? Some habits I need to change? Be kinder to people? I would think as we ask ourselves this question, the answer changes as we live in this life. Today we ask ourselves this question and act on it and ask ourselves the same question tomorrow or next week or next month and the answer may be different and we act on it. I know for myself probably we put stress on ourselves by taking our worries and concerns of the past and future and add it to our challenges of today. This becomes too much sometimes. So my current focus is what's the one thing I can do today to move my life forward to be happy or happier.
I was listening to a Wayne Dyer tape the other day and someone asked him - where do we go when we die? He said, "where do you go when you sleep?" He makes the point that when we die, our thoughts and dreams go with us. Thoughts don't die. I have no idea if this is true and we all have our own beliefs. But imagine if it were true that our thoughts, beliefs, dreams, good or bad don't die with us, but carry on. So I asked myself if the current thoughts and state of mind I have right now are what I want to take with me into eternity. And if not, what thoughts and things do I have to change.
The traffic in Toronto we can all agree is getting worse and worse. I found myself getting more and more frustrated behind the wheel of my car. Traffic is not going to get any better. So I said how can I change my thinking when I drive to make it more of a pleasurable experience. My new thought is we are all working together to get to where we are going and let's help each other to arrive at our destination. This thought has helped me and hopefully helps you and help all of us get to where we are going.
Buying your first home is both an exciting and scary time. You have thought about this decision and been diligent in saving a down payment. You have thought about which area you would like to live in and made a trip or two to your bank to see what purchase price you can afford. Another question you may ask yourself is "what am I missing?" or "what other questions should I be asking?". The following may be helpful.
1. Closing costs
These are costs you would pay at the point of purchase over and above your down payment.
a. Land Transfer Tax - e.g. in Toronto for a home of $500,000 would be $12,200.
b. Legal Fees - your lawyer's bill will include :
i. the lawyer's fee
ii. title insurance
iii. title search
iv. regenerating your mortgage
v. incidental costs such as courier, etc. (Being approximately in total $1,500)
c. Moving costs - I think everyone gets one "friends help move" to save money. Therefore, the costs include 2-3 large pizzas, beer and/or wine and truck rental being $250. Or hire a professional mover $1,000-$2,500 depending on the amount of items and where you are moving to, home or condo.
Other costs include things like home repairs. Set aside 1% of the value of your home each year for repairs and upgrades. This 1% is the average. Year 1 and 2 may require no repairs, and in year 3, repairs and upgrades may be 3%.
A home inspection as a condition inserted in your Agreement of Purchase and Sale would cost $300-$550.
Real estate agent fees are paid in the vast majority of cases by the Seller.
What Are The Logical Steps To Purchasing A Home?
1. Go to your bank or mortgage broker and get yourself pre-qualified for the amount of a mortgage that you can afford.
2. Find a lawyer that specializes in real estate.
3. Find an experienced realtor that you can work with and that has a working knowledge of your area of interest and knows the best way to finance your real estate purchase.
4. Your realtor will provide recent sales in the area of interest to you to ensure you are receiving value for your purchase.
Most baby boomers' children have become adults and many boomers are now single, so it stands to reason that a large number are considering houshold downsizing. What are the typical domestic requirements of buyers in this category? A short list of their expectations might include highend security, upgraded utilities, energy-efficient, a HEPA-filtered HVAC system, broadloom or non-slip flooring, and possibly easy-grip door handles, plus passageways and counters with wheelchair accessibility.
A condo purchase may include further preferences, such as low maintenance fees, 24/7 staffing, guest facilities, inexpensive or free parking, and proximity to public transit, shops and social organizations. Those who prefer a house may expect a garden area, minimal stairs, a walk-in tub, a reading/media room, a garage/workshop, and nearby neighbourhood/community services.
Selling your property and buying a new home can be a potentially intimidating experience... so much so that these jitters may even prevent some people from making a move!
It doesn't have to be that way.
A big part of the stress of selling and buying comes from not understanding the process or having unanswered questions. You might worry about how the state of the market will affect the value of your purchase over the long term or what you would do if you found your dream home before receiving any offers on your current property.
That's where a good REALTOR® comes in. He or she can explain the process to you, answer all your questions, and show you how to make your move go smoothly.