Hone Your Life Vision

• Your vision shouldn’t be about “shoulds.” A compelling vision is based on what you want to achieve, not what you (or others) think you should have or should do.

• A vision includes identifying your highest values. One exercise is to list all of your most important values (such as honor, trust, fun, play, love, etc.), then imagine you have to throw away one of your values. Which one would you cross off? Then you have to throw away another value from your list. You keep doing this until you’re left with the values you refuse to throw away.

• Focus your vision on a higher sense of what you’d like out of life based on your values, without worrying about specific details.

• Keep your vision distinct from your goals. A goal has a time-bound and measurable outcome. A vision is the broad sense of direction you want your goals to take you.

• Keep your vision fresh. If you’re feeling bored, reevaluate your life vision. Are you still on the right path? Are you living your vision and finding that it’s not what you thought it would be? Or have you discovered that there’s more to life and you need a bigger vision?

Marriages That Make Sense

An elderly woman became a local celebrity in her small town by getting married at the age of 92. The newspaper sent a reporter to interview her. His first question was how she enjoyed being a newlywed in her 90’s.

“Oh, this isn’t my first husband,” the woman replied. “I’m used to this by now.”

“Really? How many times have you been married?”

“This is my fourth husband. When I was 22, I married a banker. He died, and then when I was 43, I married a circus performer. He ran away with a dancer. Then when I was 62, I married a minister, and he lived a long time.”

“What does your new husband do?”

“He’s a funeral director,” she said proudly.

The reporter laughed. “That’s quite a variety of husbands.”

“Oh, it always made perfect sense to me,” the woman said. “I married one for the money, two for the show, three to get ready, and four to go.”

Mortgage Rate Forecast (March 2020)

Click here to view the March 2020 Mortgage Rate Forecast.


  • COVID-19 sends interest rates plummeting
  • Canadian recession unavoidable

Bank of Canada cutting rates, but how low?

For more information, please contact: Gino Pezzani

Bank of Canada Interest Rate Announcement – March, 2020

For the second time this month, the Bank of Canada has lowered its overnight policy rate before its regularly scheduled announcement date, taking the overnight rate down a further 50 basis points to 0.25 per cent. That level is what the Bank considers its effective lower bound, meaning it can not reduce rates further without potentially disrupting key short-term funding markets.

The Bank also announced two new programs to ensure the continued smooth functioning of credit markets and to promote credit availability. The first, the Commercial Paper Purchase Program, is targeted at alleviating strains in the short-term funding market and the second entails the Bank purchasing Government of Canada bonds in the secondary market. The latter program is a type of what is generally called “quantitative easing” though the Bank’s program is targeted at all maturities, rather than longer term yields as in traditional quantitative easing.

All of these actions represent a serious and significant amount of firepower aimed at keeping the Canadian financial system and credit markets functioning during this extraordinary time. If successful, we should see currently elevated risk spreads on mortgage products start to decline, reversing recent increases in Canadian mortgage rates.

For more information, please contact: Gino Pezzani.

Why Does Reheated Coffee Taste Bad?

The answer has nothing to do with the microwave and everything to do with the volatility of aromas and chemicals in coffee.

Coffee is all about science. The drink has over 1,000 aroma compounds, plus a complex profile of proteins and acids.

Several studies point out that the intensity of the ‘roasty-sulfur O=OPy’ odor of coffee plays a key role in how it tastes. The scent decreases rapidly after initial brewing as it loses those aromatics to evaporation, resulting in a loss of taste.

Also, some of the different compounds in coffee fall out of solution as it cools. Proteins tend to sink to the bottom, while oils float to the top, leaving a skim of oil on top of old coffee. The acidity also increases, and the taste becomes more sour.

Essentially, the flavor profile breaks apart and can’t be put back together again— just like Humpty Dumpty.

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An Ancient Mystery

The rings of Saturn have dazzled humans ever since they were spotted by Galileo, but they still contain many unexplained mysteries, such as how old they are. One theory states that they date back approximately 4.6 billion years; another suggests that they’re just 100 million years old.

Scientists backing the younger theory contend that the rings should show more evidence of space debris from the Kuiper Belt, which would make them darker than they appear today. Proponents of the older view note that the rings were probably created by a moon or some other icy object falling apart as it passed close by Saturn, an event which doesn’t seem to have happened in recent times…with “recent” in astronomical terms, at any rate.

Some of the trouble comes from not knowing precisely how massive the rings are—a lighter series of rings could have formed more recently than a heavier one.

A Meeting Of the Minds

The famous actor-director Charlie Chaplin once met world-renowned physicist Albert Einstein at a public event. According to Storypick, Einstein told the comedian: “What I most admire about your art is your universality. You don’t say a word, yet the world understands you.”

To which Chaplin replied, “True. But your glory is even greater. The whole world admires you, even though they don’t understand a word of what you say.”

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Are You Taking Care Of Yourself?

“As you grow older, you will discover that you have two hands, one for helping yourself, the other for helping others.” – Maya Angelou

We are living in a time when other people need our help. As demands increase on your time, energy and resources, I’m wondering are you also taking the time to tend to yourself?

“Taking care of myself doesn’t mean ‘me first.’ It means ‘me, too.” – L.R. Knost

Self-care is any activity that we do deliberately in order to take care of our mental, emotional, and physical health. Although it’s a simple concept in theory, it’s something we very often overlook.

Now more than ever, good self-care is key to improved mood and reduced anxiety. It’s also essential to a good relationship with oneself and others.

Self-care means knowing who you are and having an awareness of your limits.

Self-care means recognizing when you are doing more than you are used to, and trying to figure out the best way to maintain your well-being so you can continue to be a resource for the people you care about.

During times like this, it is important we remain connected with the people who matter most. If there is any way I can help you, please let me know. I will make time to provide my skills and expertise to you in the best way possible. Or we can just connect.