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.