Every year millions of people make resolutions to change or improve things in their lives that they have been putting off or that have become more important. We wanted to share some of the top resolutions for 2012 in Canada (and within our Mortgage Team) along with some tips on how to increase your chances of making them a reality this year.
Change the World / Make A Difference – we all have the ability to change the world and to help others by sharing our gifts, our time, and committing random acts of kindness every day. By taking just a few minutes to help out a stranger or do something nice for someone you start to create ripples of kindness and compassion that really can change the world. There are also thousands of charities and organizations that need volunteers; to find a place where you can help that matches your interests, skills, talents and availability just go to www.google.com and type in the name of you your city and the word volunteer.
Lose Weight / Be Healthier – the most obvious tip is to make the effort to get to the gym and to eat less but what it really comes down to is simply burning more calories off than you take in. Eating healthy is more important than eating less and being aware of how many calories you are eating versus how many you are working off is the first step. If the intake is greater than the output then you need to add more physical activity to your routine. Also be sure take time every day to relax and find ways to reduce your stress – physical health and mental health are equally important!
Quit Smoking – it doesn’t matter how many times you have tried in the past, you can still reach your goal of stopping smoking. Science has come a long way in understanding the complexity of nicotine addiction and there are some very successful tools and aides to help you now. My Time To Quit has some great tips and online tools that can help you get there, to access the tools visit: http://www.mytimetoquit.com/sites/mttq/pages/how-to-plan-your-quit.aspx Don’t give up, this is not a process you can fail as long as you as trying to move forward and try again.
Get out of Debt / Improve Finances – if you are feeling overwhelmed by the amount of debt you have you are not alone, the level of consumer debt in North America is growing. The biggest challenge to getting out of debt and taking control of your financial health is usually high interest rates that put consumers into a viscous cycle of robbing Peter to pay Paul every month.
There are many options available to help you with this problem – if you rent or lease your home there are agencies in every city that will help you negotiate better rates with your creditors and get your payments under control. If you own your home you can trade in your high interest rates debt (including credit cards and consumer debts at rates of over 30% interest) for rates as low as 3.25% by leveraging your existing equity. If you are thinking about consolidating your debts and own your home please contact us for a complimentary no-obligation consultation on your options and how we can help you create less stress and a better financial future for you and your family. You can reach us online at http://www.larryarnason.com or you can call us 403-265-5363 / 1-888-722-5086
Wishing you a very happy and successful 2012!
~ Larry Arnason, Mortgage and Finance Broker
Calgary Mortgage Broker, Larry Arnason - proudly serving Calgary and the surrounding communities, Airdrie, Lethbridge, Red Deer, and northern Alberta. You can lern more about Larry at www.larryarnason.com
One of Calgary’s leading mortgage brokers since 2003, Larry's success stems from a strong motivation to help individuals and families achieve their dreams and find their perfect home with the best mortgage options and rates. As a Mortgage Broker Larry works for you, not a bank or specific lender – he is able to provide impartial advice on your mortgage and find the best rate with the best terms and options to suit your unique financial needs whether you are buying a new house, renewing your mortgage, or refinancing.