OK, today we’re going to talk about habits that build happiness. Happiness can be broken down into the pursuit of three things: pleasure, engagement and meaning. It turns out the pursuit of pleasure contributes the least to happiness. Most of our happiness comes from engagement with people and activities, and from personal and spiritual growth that provide meaning. Here are 14 habits that build happiness. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Buying a house involves purchasing the services of several professionals. For example: a lawyer, Realtor, appraiser, mover, etc. So the last thing you may want to do is hire another professional. However, hiring a home inspector is absolutely essential if you want to make sure you’re getting a quality home that won’t constantly surprise you with ongoing repair costs. In making an offer on a house, most Realtors will recommend that you make the deal conditional on a home inspection. Here are 2 Reasons Why SMART Homebuyers Hire Home Inspectors. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about 5 smart ways to use your home equity. Home equity is the difference between the value of your home and the unpaid balance of your mortgage. You can often access a percentage of that amount through a home equity loan or home equity line of credit (HELOC). Here are 5 of the best ways to use your home equity. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Did you know that according to the National Association of Realtors, millennials are now the largest segment of home buyers? Since this generation has different tastes and needs than its parents, it’s important for home sellers to change their marketing strategy. Here are 10 things every homeowner needs to know about selling to millennials. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, we have an important topic to cover today. Teaching our kids financial literacy. Unfortunately, if we leave this up to our government and school system we're bound for disappointment. Most experts agree that if we’d been better educated about money, the financial crisis of 2007 might never have happened. Here are 5 ways to teach our kids about money. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Here’s a special resource for you – or anyone you know – who is planning on moving house in the next 6 months. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

OK, today we’re going to have some REAL TALK about credit cards. Yes, they’re convenient. Yes, they’re sometimes necessary. However, with the average household debt growing year after year (with no end in sight), it’s mission critical that we manage our credit cards effectively. Easier said than done. Here’s the truth about credit cards every homeowner needs to know. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Have you read Robert Kiyosaki's book, "Rich Dad Poor Dad”? If so, this video will make a lot of sense to you. Check it out. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

If and when you decide to sell your home, pricing it right is always a key factor to selling it fast for top dollar. Today we’re going to talk about when it might make sense to lower your listing price. Here are 3 factors to consider before you drop your asking price. If you're looking for a top-notch mortgage agent in Toroto, call us at (416) 562-2958.

Ok, today we are going to talk about 5 ways you can win the bidding war. If you’re house shopping in a competitive market, you’re likely to encounter a bidding war. Unfortunately, bidding wars can be frustrating, expensive and time consuming. However, it’s still possible to get the house you want. Here are 5 ways to win a bidding war. If you're looking for a top-notch mortgage loan expert in Ocean Springs, call us at (601) 441-6019.

Please forward this to anyone you care about who has filed for bankruptcy. Many Americans find themselves bogged down with a bad credit rating for the wrong reason -- illness, losing a job, or simply not understanding consumer credit. Sometimes bad financial situations happen to good people and bankruptcy is the only way out. But it's
not all doom and gloom -- there are a number of strategies for putting your credit back on track and getting approved for a mortgage, even after bankruptcy. Going from one financial institution to the next, only to be declined again and again can be very frustrating, which is where an experienced mortgage consultant on your side can make all the difference. Here are 10 factors to consider. If you're looking for a top-notch Loan Officer in Martinsburg, call us at (657) 254-5300.

Ok, today we are going to talk about the expense of hiring a real estate agent and if it’s really worth it to you… When you’re selling a home, so much money is at stake, you can’t afford to make a mistake. That’s why over 90% of buyers and sellers work with a Realtor. But let’s face it, Real estate commissions are expensive. Are Realtors really worth it? Here’s what good Realtors do to earn every penny of their commissions… If you are looking for a top-notch loan originator in Rochester, call us at 585-733-3889.

Ok, today we are going to talk about the pros and cons of house flipping. It’s possible to make a lot of money by flipping properties. But it’s not as easy as it sounds, and there are just as many pitfalls as there are rewards. Here are 4 pros and cons of house flipping. If you're looking for a top-notch Loan Officer in Troy, call us at (248) 867-1821.

Ok, today we are going to talk about one reason why housing prices can be so high. Everybody has a theory for why home prices rise. One reason is that builders aren’t building enough new homes because zoning and building regulations are too restrictive. In reality, house prices rise when demand is high. Here’s where the demand is coming from. If you're looking for a top-notch Loan Officer in Troy, call us at (248) 867-1821.

OK, today we’re going to talk about 5 ways to be broke even if you’re earning six figures. Sounds impossible, right? How can you earn over $100,000 a year and still not have enough to cover your bills? It’s actually much easier—and more common—than you’d think. Here are 5 common wealth-killing mistakes high earners make. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Before you consider refinancing your existing mortgage, it's important for you to determine the break-even point, which represents how soon the cost of the refinance will be recaptured through lower monthly payments. The answer to this question depends on multiple factors. See the factors here. If you're looking for a top-notch mortgage professional in Westlake Village, call us at (805) 796-5626.

Retirement may be years or decades away. But the only way to ensure a comfortable retirement is to start planning today. Here are 5 steps to a comfortable retirement. If you're looking for a top-notch mortgage advisor in Aurora, call us at (720) 256-0809.

OK, we’re going to talk about a simple – yet profound – principle that can transform your health and your wealth over time. It’s called the “apple-a-day” principle. Here’s how it works. If you're looking for a top-notch Loan Officer in Martinsburg, call us at (657) 254-5300.

Ok, today we are going to talk about buying a home at an auction. Auctions aren’t just for rich people. When houses are sold at auction, the prices can be downright cheap. Here’s how to save BIG by buying a home at an auction. If you're looking for a top-notch Loan Officer in Martinsburg, call us at (657) 254-5300.

Ok, today we are going to talk about the expense of hiring a real estate agent and if it’s really worth it to you. When you’re selling a home, so much money is at stake, you can’t afford to make a mistake. That’s why over 90% of buyers and sellers work with a Realtor. But let’s face it, Real estate commissions are expensive. Are Realtors really worth it? Here’s what good Realtors do to earn every penny of their commissions. If you're looking for a top-notch Mortgage Agent in Toronto, call us at (647) 830-7150.