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Senin, 27 Mei 2013
Senin, 06 Mei 2013
Change Begins with Choice
Came across this today and found it had great insight on where your life is currently and where you would like to take it. Jared
Change Begins with Choice
by Jim Rohn
Any day we wish, we can discipline ourselves to change it all. Any day we wish, we can open the book that will open our mind to new knowledge. Any day we wish, we can start a new activity. Any day we wish, we can start the process of life change. We can do it immediately, or next week, or next month, or next year.
We can also do nothing. We can pretend rather than perform. And if the idea of having to change ourselves makes us uncomfortable, we can remain as we are. We can choose rest over labor, entertainment over education, delusion over truth, and doubt over confidence. The choices are ours to make. But while we curse the effect, we continue to nourish the cause. As Shakespeare uniquely observed, “The fault is not in the stars, but in ourselves.” We created our circumstances by our past choices. We have both the ability and the responsibility to make better choices beginning today. Those who are in search of the good life do not need more answers or more time to think things over to reach better conclusions. They need the truth. They need the whole truth. And they need nothing but the truth.
We cannot allow our errors in judgment, repeated every day, to lead us down the wrong path. We must keep coming back to those basics that make the biggest difference in how our life works out. And then we must make the very choices that will bring life, happiness and joy into our daily lives.
And if I may be so bold to offer my last piece of advice for someone seeking and needing to make changes in their life: If you don’t like how things are, change it! You’re not a tree. You have the ability to totally transform every area in your life. And it all begins with your very own power of choice.
Change Begins with Choice
by Jim Rohn
Any day we wish, we can discipline ourselves to change it all. Any day we wish, we can open the book that will open our mind to new knowledge. Any day we wish, we can start a new activity. Any day we wish, we can start the process of life change. We can do it immediately, or next week, or next month, or next year.
We can also do nothing. We can pretend rather than perform. And if the idea of having to change ourselves makes us uncomfortable, we can remain as we are. We can choose rest over labor, entertainment over education, delusion over truth, and doubt over confidence. The choices are ours to make. But while we curse the effect, we continue to nourish the cause. As Shakespeare uniquely observed, “The fault is not in the stars, but in ourselves.” We created our circumstances by our past choices. We have both the ability and the responsibility to make better choices beginning today. Those who are in search of the good life do not need more answers or more time to think things over to reach better conclusions. They need the truth. They need the whole truth. And they need nothing but the truth.
We cannot allow our errors in judgment, repeated every day, to lead us down the wrong path. We must keep coming back to those basics that make the biggest difference in how our life works out. And then we must make the very choices that will bring life, happiness and joy into our daily lives.
And if I may be so bold to offer my last piece of advice for someone seeking and needing to make changes in their life: If you don’t like how things are, change it! You’re not a tree. You have the ability to totally transform every area in your life. And it all begins with your very own power of choice.
Jumat, 03 Mei 2013
Buried in Paper?/ Canada Stats
Buried in Paper?
From Dreyer Group Mortgages
Dreyer Group Mortgages is thrilled to sponsor a paper-shredding marathon in support of building a new school playground for Ocean Cliff Elementary.
Here’s your chance to get rid of all those confidential files and papers kicking around with onsite secure shredding.
All shredding services are by donation, so start sorting those boxes of paperwork now and get ready to feel lighter!
Saturday, June 1 from 10am-3pm.
Safeway parking lot 12825 16th Ave (Ocean Park South Surrey)
Supporting Ocean Cliff Elementary Playground Project
In partnership with 1-800-Shredding
Average MLS® Resale Price for Local Markets
City March 2012 March 2013
Halifax $ 272,599 $ 282,048
Saint John $ 168,371 $ 164,182
Quebec $ 259,316 $ 266,897
Montreal $ 317,924 $ 326,259
Ottawa $ 353,714 $ 359,321
Toronto $ 504,117 $ 519,879
Hamilton/Burlington $ 353,165 $ 388,147
Winnipeg $ 247,459 $ 271,198
Saskatoon $ 315,935 $ 331,244
Regina $ 287,772 $ 314,353
Calgary $ 409,750 $ 441,424
Edmonton $ 335,579 $ 350,723
Vancouver $ 761,742 $ 759,340
Victoria $ 513,937 $ 474,937
Source: Canadian Real Estate Association
Finance Minister Announces Stephen Poloz as New Governor of the Bank of Canada - May 2013
In somewhat of a surprise move, Finance Minister Jim Flaherty passed over presumptive favourite Senior Deputy Governor Tiff Macklem in naming Stephen Poloz as the new governor of the Bank of Canada.
Mr. Poloz spent 14 years with the Bank of Canada in numerous roles including Chief of the Bank's Research Department before moving on to Export Development Canada (EDC) where he served as the Chief Economist and, since 2011, as the EDC's CEO and President.
While Mr. Poloz has been outside of monetary policy-making for some time and his views are relatively unknown, we do not expect the Bank's approach to change in a material way in the near future. The Bank will still operate under a flexible inflation targeting regime with a focus on medium-run inflation of 2 per cent and our view remains that interest rates will remain on hold over the next year while the Bank's forward guidance on rates will remain neutral. BCREA Chief Economist, Cameron Muir
Mortgage financing questions? We’re here to help.
Jared Dreyer, Team Dreyer Group Mortgage Brokers
Jared Dreyer Direct 604 649-5991
jared@dreyergroup.ca
www.dreyergroup.ca
Surrey Office 604 536-3802
Vancouver Office 604 669-6006
Canada 1-800-687-9020
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
Our passion is to create Raving Fans! Our goal is that by providing the best service, support and advice, you in turn will pass along our name to your, friends, family, colleagues and clients. I deeply appreciate and value the trust you have placed in me and my team.
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Excellence is a Habit
Aside from the usual things like working, eating, and sleeping, what activities do you spend time doing on a daily basis?
This question is to make you aware of some of your daily habits and to motivate you to consider thinking about the consequences that these daily habits will have on your life in terms of your self growth and happiness 1, 5, and 10 years from now.
How your life will turn out will largely depend on what you habitually do on a daily basis. We all know instinctively that spending an hour a day watching mindless TV will lead us down a different path in life compared to spending an hour a day reading or learning something or exercising. We also know that eating bad foods 3 times a day, every day, will give us a different result compared to eating good foods.
Think about the life you want to experience 5 or 10 years from now or even 1 year from now and figure out what habits you would have to develop for your vision to become a reality. Whether it’s being able to speak another language, play an instrument, be an expert in your industry, develop strong friendships, feel healthy and vibrant, or anything else, it’s going to take consistent work over an extended period of time.
If you look at and project the results your habits out into the future and don’t like what you see, the time to make some changes is now.
“We are what we repeatedly do. Excellence, then, is not an act, but a habit.” – Aristotle
www.motivationalbeing.com
Dreyer Group Smiles
When you do business with Dreyer Group, a portion of every mortgage funded goes towards providing safe housing for children and youth. Thank you for your support.
Senin, 22 April 2013
Power of Words
I thought i would share this great little story by Jim Rohn on the power of our words, laguage and thought. Have an awesome day! Jared
The Subtlety of Language
by Jim Rohn
I have found that sometimes the subtle difference in our attitude, which of course can make a major difference in our future, can be as simple as the language we use. The difference in even how you talk to yourself or others. Consciously making a decision to quit saying what you don't want and to start saying what you do want. I call that faith. Believing the best, hoping for the best and moving toward the best.
A few examples could be, instead of saying “What if somebody doesn't respond?” you start saying, “What if they do respond?” Instead of saying “What if someone says no?” you say “What if they say yes?” Instead of ‘What if they start and quit?” you say ‘What if they start and stay?” Or instead of “What if it doesn't work out?” you say “What if it does work out?” And the list goes on and on.
I found that when you start thinking and saying what you really want then your mind automatically shifts and pulls you in that direction. And sometimes it can be that simple, just a little twist in vocabulary that illustrates your attitude and philosophy.
Our language can also affect how others perform and behave around us. A teenager says to a parent, “I need $10.” If the parent learns to say, “That kind of language doesn't work here. We've got plenty of money, but that's not how you get $10,” then you teach your teenager how to ask, “How can I earn $10?”
That is the magic of words. There is plenty of money here. There is money for everybody, but you just have to learn the magic words to get them—for everything you could possibly want, if you just learn the philosophy. How could I earn $10? Because you can't go to the soil and say, “Give me a harvest.” You know the soil smiles and says, “Who is this clown that brings me his need and brings me no seed.” And if you said to the soil, “I've got this seed and if I planted it, would you work while I sleep?” the soil says, “No problem. Give me the seed. Go to sleep and I'll be working while you're sleeping.”
If you just understand these simple principles, teaching them to a teenager (or adult) is sometimes just a matter of language. It's like an investment account instead of a savings account. Simple language, but so important. It is easy to stumble through almost a lifetime and not learn some of these simplicities. Then you have to put up with all the lack and all the challenges that don't work out simply from not reading the book, not listening to the tape, not sitting in the class, not studying your language and not being willing to search so you can then find.
But here is the great news: You can start this process anytime. For me it was at age 25. At 25 I'm broke. Six years later I'm a millionaire. Somebody says, “What kind of revolution, what kind of change, what kind of thinking, what kind of magic had to happen? Was it you?” And I say, “No. Any person, any six years, 36 to 42, 50 to 56. Whatever six years; whatever few years you go on an intensive, accelerated personal-development curve, learning curve, application curve, and learning the disciplines.” Now, it might not take the same amount of time, but I'm telling you the same changes and the same rewards in some different fashion are available for those who pay that six–year price. And you might find that whether it's in the beginning to help get you started, or in the middle to keep you on track, that your language can have a great impact on your attitude, actions and results.
The Subtlety of Language
by Jim Rohn
I have found that sometimes the subtle difference in our attitude, which of course can make a major difference in our future, can be as simple as the language we use. The difference in even how you talk to yourself or others. Consciously making a decision to quit saying what you don't want and to start saying what you do want. I call that faith. Believing the best, hoping for the best and moving toward the best.
A few examples could be, instead of saying “What if somebody doesn't respond?” you start saying, “What if they do respond?” Instead of saying “What if someone says no?” you say “What if they say yes?” Instead of ‘What if they start and quit?” you say ‘What if they start and stay?” Or instead of “What if it doesn't work out?” you say “What if it does work out?” And the list goes on and on.
I found that when you start thinking and saying what you really want then your mind automatically shifts and pulls you in that direction. And sometimes it can be that simple, just a little twist in vocabulary that illustrates your attitude and philosophy.
Our language can also affect how others perform and behave around us. A teenager says to a parent, “I need $10.” If the parent learns to say, “That kind of language doesn't work here. We've got plenty of money, but that's not how you get $10,” then you teach your teenager how to ask, “How can I earn $10?”
That is the magic of words. There is plenty of money here. There is money for everybody, but you just have to learn the magic words to get them—for everything you could possibly want, if you just learn the philosophy. How could I earn $10? Because you can't go to the soil and say, “Give me a harvest.” You know the soil smiles and says, “Who is this clown that brings me his need and brings me no seed.” And if you said to the soil, “I've got this seed and if I planted it, would you work while I sleep?” the soil says, “No problem. Give me the seed. Go to sleep and I'll be working while you're sleeping.”
If you just understand these simple principles, teaching them to a teenager (or adult) is sometimes just a matter of language. It's like an investment account instead of a savings account. Simple language, but so important. It is easy to stumble through almost a lifetime and not learn some of these simplicities. Then you have to put up with all the lack and all the challenges that don't work out simply from not reading the book, not listening to the tape, not sitting in the class, not studying your language and not being willing to search so you can then find.
But here is the great news: You can start this process anytime. For me it was at age 25. At 25 I'm broke. Six years later I'm a millionaire. Somebody says, “What kind of revolution, what kind of change, what kind of thinking, what kind of magic had to happen? Was it you?” And I say, “No. Any person, any six years, 36 to 42, 50 to 56. Whatever six years; whatever few years you go on an intensive, accelerated personal-development curve, learning curve, application curve, and learning the disciplines.” Now, it might not take the same amount of time, but I'm telling you the same changes and the same rewards in some different fashion are available for those who pay that six–year price. And you might find that whether it's in the beginning to help get you started, or in the middle to keep you on track, that your language can have a great impact on your attitude, actions and results.
Jumat, 22 Februari 2013
Five Star Mortgage Professional Award
VANCOUVER, BC, February 22, 2013 /24-7PressRelease/ -- Five Star Professionals research team contacted over 48,800 households in the Vancouver area to identify residents who have worked with a mortgage professional in the past 8 months. These were residents who purchased a home in Vancouver between September 2011 and May 2012. The respondents evaluated candidates against 5 key objective criteria including customer service, integrity and overall experience. Other criteria included applicable licensing and favorable regulatory history.
After collecting completed surveys (by phone, email and online), Five Star Professional evaluates each candidate for completeness, licensing and to eliminate self-nomination. Self-nominations for this award are not accepted. They are then given a score for favorable and unfavorable evaluations. From there, winners are determined.
"This came totally out of the blue," comments Jared Dreyer, President Dreyer Group Mortgages, "we're thrilled and honored by this award primarily because it comes directly from client feedback." Dreyer continues, "I understand that there are 13 other winners and congratulate each of them."
The 14 Winners of 2013 will be published in the March issues of Vancouver Magazine and Western Living.
About Five Star Professional
As an independent research firm, Five Star Professional has been conducting research that recognizes outstanding service professionals since 2003. The Five Star program is the largest and most widely published award program in the U.S. and has recently conducted their first survey and award program in Vancouver, Canada. Five Star Professional conducts rigorous market-specific research identifying professionals who deliver the highest quality service to their clients. For more information visit www.fivestarprofessional.com
About Dreyer Group Mortgages Inc. (Top 10 Mortgage Team in Canada) - Member VERICO Brokers Network (#1 Brokers Network in Canada)
As a senior mortgage broker consulting team with vast experience in the financial services industry, Dreyer Group helps clients make the right decision with their mortgage by providing a wide-range of options based on sound advice and expertise. Being an independent mortgage brokerage, Dreyer Group is not restricted to one financial institutions products and accesses over 40 lenders coast-to-coast to provide the best in financing solutions. www.dreyergroup.ca Dreyer Group Mortgages 1-800-687-9020
Press release service and press release distribution provided by http://www.24-7pressrelease.com
# # #
Read more Press Releases from Jared Dreyer:
Mortgage Rule Changes Announced to Affect Canada's Housing Market?
Jared Dreyer, Announced President Mortgage Brokers Association of British Columbia (MBABC)
Million Dollar Neighbourhood Challenge, Vancouver Mortgage Broker, Jared Dreyer Helps Aldergrove Residents Save Money on Their Mortgages
Press Release Service & Press Release Distribution News Supplied By 24-7PressRelease.com
Press Release Contact Information:
Jared Dreyer
Dreyer Group Mortgages
Mortgage Broker
988 Beach Ave.
Vancouver, BC
Canada V6Z 2N9
Voice: 1800-687-9020
Fax: 1-800-939-1960
E-Mail: Email us Here
Website: Visit Our Website
Disclaimer:
If you have any questions regarding information in this press release, please contact the person listed in the contact module of this page. Please do not attempt to contact 24-7 Press Release. We are unable to assist you with any information regarding this release. 24-7 Press Release disclaims any content contained in this press release. Please see our complete Terms of Service disclaimer for more information.
After collecting completed surveys (by phone, email and online), Five Star Professional evaluates each candidate for completeness, licensing and to eliminate self-nomination. Self-nominations for this award are not accepted. They are then given a score for favorable and unfavorable evaluations. From there, winners are determined.
"This came totally out of the blue," comments Jared Dreyer, President Dreyer Group Mortgages, "we're thrilled and honored by this award primarily because it comes directly from client feedback." Dreyer continues, "I understand that there are 13 other winners and congratulate each of them."
The 14 Winners of 2013 will be published in the March issues of Vancouver Magazine and Western Living.
About Five Star Professional
As an independent research firm, Five Star Professional has been conducting research that recognizes outstanding service professionals since 2003. The Five Star program is the largest and most widely published award program in the U.S. and has recently conducted their first survey and award program in Vancouver, Canada. Five Star Professional conducts rigorous market-specific research identifying professionals who deliver the highest quality service to their clients. For more information visit www.fivestarprofessional.com
About Dreyer Group Mortgages Inc. (Top 10 Mortgage Team in Canada) - Member VERICO Brokers Network (#1 Brokers Network in Canada)
As a senior mortgage broker consulting team with vast experience in the financial services industry, Dreyer Group helps clients make the right decision with their mortgage by providing a wide-range of options based on sound advice and expertise. Being an independent mortgage brokerage, Dreyer Group is not restricted to one financial institutions products and accesses over 40 lenders coast-to-coast to provide the best in financing solutions. www.dreyergroup.ca Dreyer Group Mortgages 1-800-687-9020
Press release service and press release distribution provided by http://www.24-7pressrelease.com
# # #
Read more Press Releases from Jared Dreyer:
Mortgage Rule Changes Announced to Affect Canada's Housing Market?
Jared Dreyer, Announced President Mortgage Brokers Association of British Columbia (MBABC)
Million Dollar Neighbourhood Challenge, Vancouver Mortgage Broker, Jared Dreyer Helps Aldergrove Residents Save Money on Their Mortgages
Press Release Service & Press Release Distribution News Supplied By 24-7PressRelease.com
Press Release Contact Information:
Jared Dreyer
Dreyer Group Mortgages
Mortgage Broker
988 Beach Ave.
Vancouver, BC
Canada V6Z 2N9
Voice: 1800-687-9020
Fax: 1-800-939-1960
E-Mail: Email us Here
Website: Visit Our Website
Disclaimer:
If you have any questions regarding information in this press release, please contact the person listed in the contact module of this page. Please do not attempt to contact 24-7 Press Release. We are unable to assist you with any information regarding this release. 24-7 Press Release disclaims any content contained in this press release. Please see our complete Terms of Service disclaimer for more information.
Jumat, 15 Februari 2013
Habits are the Stairway to a Richer Life
Habits are the Stairway to a Richer Life
by Napoleon Hill
You can see that an oak tree grows from an acorn, always, and a pine tree grows from the seed of its ancestor. And you know that Nature never makes a mistake and grows a pine tree from an acorn, nor an oak tree from the seed of a pine.
There are facts you can see. But do you recognize that they do not “just happen” by chance – something has to make them happen! That something is the power which fixes habits and makes them permanent. Man is the only creature which the Creator permits the privilege of fixing his own habits to suit his own desires.
We are ruled by habits, all of us! Our habits are fastened upon us by repetition of our thoughts and acts. Therefore we can control our earthly destinies and our way of living only to the extent that we control our thoughts. We must direct them to form the sort of habits we need to serve as our road map to guide our lives. Good habits which lead to success can be ordered and used by any individual. Bad habits can be broken and replaced by good ones at will by anyone.
Man Has Control
The habits of every living creature except man are fixed by what we call “instinct.” This places them under limitations from which they cannot escape.
The Creator not only gave men complete, unchallengeable control over the power of thought, but with this gift came the means of possessing thought power and directing it to any desired end.
The Creator has also given man another privilege whereby thoughts are made to clothe themselves in their physical likeness and equivalent.
Here, then, is a profound truth. With it you may open doors to wisdom and live an ordered life, you will be able to control those factors necessary to your success.
The rewards available to the person who takes possession of his own mind power and directs it to definite ends of his own choice are great in number. But penalties for not doing so are equally great in number.
Source: Napoleon Hill. Science of Success Series. Miami Herald. June 1, 1956
by Napoleon Hill
You can see that an oak tree grows from an acorn, always, and a pine tree grows from the seed of its ancestor. And you know that Nature never makes a mistake and grows a pine tree from an acorn, nor an oak tree from the seed of a pine.
There are facts you can see. But do you recognize that they do not “just happen” by chance – something has to make them happen! That something is the power which fixes habits and makes them permanent. Man is the only creature which the Creator permits the privilege of fixing his own habits to suit his own desires.
We are ruled by habits, all of us! Our habits are fastened upon us by repetition of our thoughts and acts. Therefore we can control our earthly destinies and our way of living only to the extent that we control our thoughts. We must direct them to form the sort of habits we need to serve as our road map to guide our lives. Good habits which lead to success can be ordered and used by any individual. Bad habits can be broken and replaced by good ones at will by anyone.
Man Has Control
The habits of every living creature except man are fixed by what we call “instinct.” This places them under limitations from which they cannot escape.
The Creator not only gave men complete, unchallengeable control over the power of thought, but with this gift came the means of possessing thought power and directing it to any desired end.
The Creator has also given man another privilege whereby thoughts are made to clothe themselves in their physical likeness and equivalent.
Here, then, is a profound truth. With it you may open doors to wisdom and live an ordered life, you will be able to control those factors necessary to your success.
The rewards available to the person who takes possession of his own mind power and directs it to definite ends of his own choice are great in number. But penalties for not doing so are equally great in number.
Source: Napoleon Hill. Science of Success Series. Miami Herald. June 1, 1956
Rabu, 13 Februari 2013
Economic Highlights
Economic Highlights
Canada
• The Canadian labour market lost 22,000 net jobs in January and the unemployment rate edged down to 7.0%. January’s poor result should be seen as more of a pay-back for the outsized job gains seen in late 2012 when economic growth slowed. Job creation should come in around 10,000-20,000 in the next few months in a modest growth environment
• At 160,600 units in January, housing starts came in at their lowest level since July 2009, down 18.5%. The sharp January decline is not that surprising following what is believed to have been an unsustainable pace of construction in 2012. Given the current cooling of the housing market in general, Canadians should not look to residential construction as a source of strength moving forward in 2013.
• While Canada’s international trade deficit narrowed in December to $0.9 billion, both exports (-0.9%) and imports (-2.8%) declined, painting a discouraging picture of Canada’s economy at the end of 2012. Although December’s slip is hardly uplifting, export growth should bounce back in 2013 matching increased demand from the U.S.
United States
• The U.S. trade deficit narrowed to $38.5 billion in December – its smallest level in three-years.
• Stronger-than-expected exports and weaker-than-expected imports will result in an upward revision to fourth quarter GDP growth when the second estimate comes out at the end of this month. We expect real GDP to have grown by 0.5% (annualized) rather than the 0.1% contraction initially reported.
• With the strong hand-off at the end of 2012, U.S. exports are likely to rebound in the first quarter of this year. Firmed by trade, but held back by higher taxes, we expect real GDP growth to improve to 2.0% (annualized) in Q1 2013.
Questions. We're Here to Help. Call Anytime
604 536-3802
604 669-6006
1-800-687-9020
Dreyer Group Mortgages
Warm Regards,
Jared Dreyer
604 649-5991
About Dreyer Group Smiles
*Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group makes a difference to kids who otherwise may not have a roof over their heads, or hope for a bright future. Dreyer Group works closely with the Salvation Army to allocate funds. Facebook promotion is to a maximum donation of $1000.00
About Dreyer Group Mortgages (Top 10 Mortgage Broker Team in Canada), Member of the VERICO Brokers Network (#1 Network in Canada)
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
Oh the Sweet Memories of Grade 8
So my son is going to a grade 8 dance this Friday. First ever! I came across this You Tube video, and a flood of awkward memories came back....
Click Here and Turn Up Your Sound
Follow my financial blog
Follow me on twitter
Like our Facebook
Business Page and
we'll donate .25 Cents
to Dreyer Smiles*!
CLICK FOR US TO DONATE
Canada
• The Canadian labour market lost 22,000 net jobs in January and the unemployment rate edged down to 7.0%. January’s poor result should be seen as more of a pay-back for the outsized job gains seen in late 2012 when economic growth slowed. Job creation should come in around 10,000-20,000 in the next few months in a modest growth environment
• At 160,600 units in January, housing starts came in at their lowest level since July 2009, down 18.5%. The sharp January decline is not that surprising following what is believed to have been an unsustainable pace of construction in 2012. Given the current cooling of the housing market in general, Canadians should not look to residential construction as a source of strength moving forward in 2013.
• While Canada’s international trade deficit narrowed in December to $0.9 billion, both exports (-0.9%) and imports (-2.8%) declined, painting a discouraging picture of Canada’s economy at the end of 2012. Although December’s slip is hardly uplifting, export growth should bounce back in 2013 matching increased demand from the U.S.
United States
• The U.S. trade deficit narrowed to $38.5 billion in December – its smallest level in three-years.
• Stronger-than-expected exports and weaker-than-expected imports will result in an upward revision to fourth quarter GDP growth when the second estimate comes out at the end of this month. We expect real GDP to have grown by 0.5% (annualized) rather than the 0.1% contraction initially reported.
• With the strong hand-off at the end of 2012, U.S. exports are likely to rebound in the first quarter of this year. Firmed by trade, but held back by higher taxes, we expect real GDP growth to improve to 2.0% (annualized) in Q1 2013.
Questions. We're Here to Help. Call Anytime
604 536-3802
604 669-6006
1-800-687-9020
Dreyer Group Mortgages
Warm Regards,
Jared Dreyer
604 649-5991
About Dreyer Group Smiles
*Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group makes a difference to kids who otherwise may not have a roof over their heads, or hope for a bright future. Dreyer Group works closely with the Salvation Army to allocate funds. Facebook promotion is to a maximum donation of $1000.00
About Dreyer Group Mortgages (Top 10 Mortgage Broker Team in Canada), Member of the VERICO Brokers Network (#1 Network in Canada)
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
Oh the Sweet Memories of Grade 8
So my son is going to a grade 8 dance this Friday. First ever! I came across this You Tube video, and a flood of awkward memories came back....
Click Here and Turn Up Your Sound
Follow my financial blog
Follow me on twitter
Like our Facebook
Business Page and
we'll donate .25 Cents
to Dreyer Smiles*!
CLICK FOR US TO DONATE
Kamis, 31 Januari 2013
First Time Home Buyer Update and Get Out a Blank Piece Of Paper
First Time Homebuyer Refund Expiring Soon !
The clock is ticking on the BC First-Time New Home Buyers’ Bonus that was introduced earlier this year by the Province of BC. It is a one-time bonus payment worth up to $10,000 for first-time new home buyers in BC, but it expires March 31st, 2013. This means that in order to take advantage of this opportunity, home buyers will need to complete a new home purchase by March 31st, 2013.
ELIGIBLE FIRST-TIME NEW HOME BUYER
You will qualify as a first-time new home buyer if:
1. • You purchase or build an eligible new home located in B.C.;
2. • You, or for couples, you and your spouse or common law partner, have never previously owned a primary residence;
3. • You file a 2011 B.C. resident personal income tax return, or if you move to B.C. after December 31, 2011, you file a 2012 B.C. resident personal income tax return (you will not be eligible for the bonus if you move to B.C. after December 31, 2012);
4. • You are eligible for the B.C. HST New Housing Rebate; and
5. • You intend to live in the home as your primary residence.
ELIGIBLE NEW HOME
An eligible new home includes new homes (i.e., newly constructed and substantially renovated homes) that are purchased from a builder and that are owner-built. The bonus will be available in respect of new homes purchased from a builder where:
1. • A written agreement of purchase and sale is entered into on or after February 21, 2012;
2. • HST is payable on the home (e.g., HST will generally be payable if ownership or possession of the home transfers before April 1, 2013 – see further details below); and
3. • No one else has claimed a bonus in respect of the home.
Detailed breakdown here http://www.bcbudget.gov.bc.ca/2012/homebuyers/2012_First_Time_Home_Buyers_Fact_Sheet.pdf
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
10 Step Method to Achieve Your Goals
A must watch! Get a piece of paper and watch your goals for 2013 come true!
You Tube Brian Tracy
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
The clock is ticking on the BC First-Time New Home Buyers’ Bonus that was introduced earlier this year by the Province of BC. It is a one-time bonus payment worth up to $10,000 for first-time new home buyers in BC, but it expires March 31st, 2013. This means that in order to take advantage of this opportunity, home buyers will need to complete a new home purchase by March 31st, 2013.
ELIGIBLE FIRST-TIME NEW HOME BUYER
You will qualify as a first-time new home buyer if:
1. • You purchase or build an eligible new home located in B.C.;
2. • You, or for couples, you and your spouse or common law partner, have never previously owned a primary residence;
3. • You file a 2011 B.C. resident personal income tax return, or if you move to B.C. after December 31, 2011, you file a 2012 B.C. resident personal income tax return (you will not be eligible for the bonus if you move to B.C. after December 31, 2012);
4. • You are eligible for the B.C. HST New Housing Rebate; and
5. • You intend to live in the home as your primary residence.
ELIGIBLE NEW HOME
An eligible new home includes new homes (i.e., newly constructed and substantially renovated homes) that are purchased from a builder and that are owner-built. The bonus will be available in respect of new homes purchased from a builder where:
1. • A written agreement of purchase and sale is entered into on or after February 21, 2012;
2. • HST is payable on the home (e.g., HST will generally be payable if ownership or possession of the home transfers before April 1, 2013 – see further details below); and
3. • No one else has claimed a bonus in respect of the home.
Detailed breakdown here http://www.bcbudget.gov.bc.ca/2012/homebuyers/2012_First_Time_Home_Buyers_Fact_Sheet.pdf
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
10 Step Method to Achieve Your Goals
A must watch! Get a piece of paper and watch your goals for 2013 come true!
You Tube Brian Tracy
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
Rabu, 23 Januari 2013
What Is Your Success Indicator?
2013 is a Blank Book.
Write a Good One!
Hope you are all having a fantastic 2013 so far. In addition to an update on the Bank of Canada rate, this week I want to share with you the Success Indicator Chart as well as a comparison of the average MLS home prices, by province, for November 2011 compared to November 2012. Hope you have a super rest of the week and feel free to call anytime - we're always here to help!
BANK OF CANADA UPDATE
The Bank of Canada today once again held it’s overnight rate at 1% in reaction to a continued weaker than expected economy. Furthermore they indicated that rates would continue to remain low for all of 2013 with a potential increase in 2014. Chief Economist, Cameron Muir of BCREA commented: “The Bank has revised its estimate for economic growth in 2012 lower, to 1.9 per cent, and now forecasts 2 per cent growth in 2013 before an acceleration to 2.7 per cent in 2014. Importantly, the Bank has also shifted its expectation that the economy will reach full capacity out to the second half of 2014. On inflation, the Bank expects growth in consumer prices to run significantly below its 2 per cent target for much of 2013 before gradually rising to target in 2014”.
So there you have it. Continued low rates for the foreseeable future. This news however does not mean you need to rush into a variable rate mortgage. Rates are anticipated to go up, so if you lock into a current low 5-year term that fits within your budget, you will be hedging yourself against potential rising interest rates next year. As always, everyone’s situation is unique. Our team can do a quick analysis and offer options that will secure you the lowest mortgage rate and help you to pay off your mortgage sooner. Call Us 604 536-3802 Vancouver 604 669-6006 Toll Free 1-800-687-9020
SUCCESS INDICATOR CHART
In the picture above and below is an interesting chart/list I came across recently. The Success Factor Indicator was created after MaryEllen Tribby - Accomplished US CEO - worked with some of the smartest, most successful enraptures in the US. After observing and interviewing them for many years, she compiled a list of characteristics, traits and behaviours of successful vs. unsuccessful people.
Life is not static, and none of us are perfect but these kinds of reminders help us all identify where we need to improve and strive for better relationships, quality of life and success in business. I hope you enjoy it!
The Success Factor Indicator
Successful People
• Have a sense of gratitude
• Forgive others
• Accept responsibility for their failures
• Compliment
• Read everyday
• Keep a journal
• Talk about ideas
• Want others to succeed
• Share information and data
• Keep a "to-be" list
• Exude joy
• Keep a "to-do/project" list
• Set goals and develop life plans
• Embrace change
• Give other people credit for their victories
• Operate from a transformational perspective
Unsuccessful People
• Have a sense of entitlement
• Hold a grudge
• Blame others for their failures
• Criticize
• Watch TV everyday
• Say they keep a journal but really don't
• Talk about people
• Secretly hope others fail
• Horde information and data
• Don't know what they want to be
• Exude anger
• Fly by their seat of their pants
• Never set goals
• Think they know it all
• Fear change
• Take all the credit of their victories
• Operate from a transactional perspective
Find out more about MaryEllen Tribby
Average MLS Resale Price for Local Markets
City November 2011 November 2012
Halifax $ 262,714 $ 266,740
Saint John $ 159,101 $ 168,623
Quebec $ 250,918 $ 260,783
Montreal $ 323,011 $ 333,324
Ottawa $ 347,675 $ 350,211
Toronto $ 480,421 $ 485,328
Hamilton/Burlington $ 342,005 $ 369,201
Winnipeg $ 236,127 $ 263,786
Saskatoon $ 307,023 $ 330,125
Regina $ 273,243 $ 309,219
Calgary $ 398,722 $ 413,921
Edmonton $ 319,559 $ 331,526
Vancouver $ 728,118 $ 682,215
Victoria $ 499,676 $ 491,326
Government of Canada Bonds
Bond Type November 21, 2012 December 5, 2012 December 19, 2012
1 year Treasury Bill 1.07% 1.05% 1.10%
3 year Benchmark
Bond Yield 1.19% 1.11% 1.22%
5 year Benchmark
Bond Yield 1.34% 1.26% 1.40%
10 year Benchmark
Bond Yield 1.76% 1.68% 1.84%
Source: Bank of Canada
Bank Lending Rate
October 24, 2012 3.00 %
December 5, 2012 3.00 %
January 23, 2013 3.00%
Exchange Rate $CDN($US)
November 28, 2012 1.0082
December 19, 2012 1.0120
December 31, 2012 1.0051
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
________________________________________
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
Guess how much the most expensive home in the world costs?
Only $1 Billion! The Antilla Mumbai is a 27-floor personal home in South Mumbai belonging to businessman Mukesh Ambani, chairman of Reliance Industries. A full-time staff of 600 maintains the residence!
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
Write a Good One!
Hope you are all having a fantastic 2013 so far. In addition to an update on the Bank of Canada rate, this week I want to share with you the Success Indicator Chart as well as a comparison of the average MLS home prices, by province, for November 2011 compared to November 2012. Hope you have a super rest of the week and feel free to call anytime - we're always here to help!
BANK OF CANADA UPDATE
The Bank of Canada today once again held it’s overnight rate at 1% in reaction to a continued weaker than expected economy. Furthermore they indicated that rates would continue to remain low for all of 2013 with a potential increase in 2014. Chief Economist, Cameron Muir of BCREA commented: “The Bank has revised its estimate for economic growth in 2012 lower, to 1.9 per cent, and now forecasts 2 per cent growth in 2013 before an acceleration to 2.7 per cent in 2014. Importantly, the Bank has also shifted its expectation that the economy will reach full capacity out to the second half of 2014. On inflation, the Bank expects growth in consumer prices to run significantly below its 2 per cent target for much of 2013 before gradually rising to target in 2014”.
So there you have it. Continued low rates for the foreseeable future. This news however does not mean you need to rush into a variable rate mortgage. Rates are anticipated to go up, so if you lock into a current low 5-year term that fits within your budget, you will be hedging yourself against potential rising interest rates next year. As always, everyone’s situation is unique. Our team can do a quick analysis and offer options that will secure you the lowest mortgage rate and help you to pay off your mortgage sooner. Call Us 604 536-3802 Vancouver 604 669-6006 Toll Free 1-800-687-9020
SUCCESS INDICATOR CHART
In the picture above and below is an interesting chart/list I came across recently. The Success Factor Indicator was created after MaryEllen Tribby - Accomplished US CEO - worked with some of the smartest, most successful enraptures in the US. After observing and interviewing them for many years, she compiled a list of characteristics, traits and behaviours of successful vs. unsuccessful people.
Life is not static, and none of us are perfect but these kinds of reminders help us all identify where we need to improve and strive for better relationships, quality of life and success in business. I hope you enjoy it!
The Success Factor Indicator
Successful People
• Have a sense of gratitude
• Forgive others
• Accept responsibility for their failures
• Compliment
• Read everyday
• Keep a journal
• Talk about ideas
• Want others to succeed
• Share information and data
• Keep a "to-be" list
• Exude joy
• Keep a "to-do/project" list
• Set goals and develop life plans
• Embrace change
• Give other people credit for their victories
• Operate from a transformational perspective
Unsuccessful People
• Have a sense of entitlement
• Hold a grudge
• Blame others for their failures
• Criticize
• Watch TV everyday
• Say they keep a journal but really don't
• Talk about people
• Secretly hope others fail
• Horde information and data
• Don't know what they want to be
• Exude anger
• Fly by their seat of their pants
• Never set goals
• Think they know it all
• Fear change
• Take all the credit of their victories
• Operate from a transactional perspective
Find out more about MaryEllen Tribby
Average MLS Resale Price for Local Markets
City November 2011 November 2012
Halifax $ 262,714 $ 266,740
Saint John $ 159,101 $ 168,623
Quebec $ 250,918 $ 260,783
Montreal $ 323,011 $ 333,324
Ottawa $ 347,675 $ 350,211
Toronto $ 480,421 $ 485,328
Hamilton/Burlington $ 342,005 $ 369,201
Winnipeg $ 236,127 $ 263,786
Saskatoon $ 307,023 $ 330,125
Regina $ 273,243 $ 309,219
Calgary $ 398,722 $ 413,921
Edmonton $ 319,559 $ 331,526
Vancouver $ 728,118 $ 682,215
Victoria $ 499,676 $ 491,326
Government of Canada Bonds
Bond Type November 21, 2012 December 5, 2012 December 19, 2012
1 year Treasury Bill 1.07% 1.05% 1.10%
3 year Benchmark
Bond Yield 1.19% 1.11% 1.22%
5 year Benchmark
Bond Yield 1.34% 1.26% 1.40%
10 year Benchmark
Bond Yield 1.76% 1.68% 1.84%
Source: Bank of Canada
Bank Lending Rate
October 24, 2012 3.00 %
December 5, 2012 3.00 %
January 23, 2013 3.00%
Exchange Rate $CDN($US)
November 28, 2012 1.0082
December 19, 2012 1.0120
December 31, 2012 1.0051
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
________________________________________
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
Guess how much the most expensive home in the world costs?
Only $1 Billion! The Antilla Mumbai is a 27-floor personal home in South Mumbai belonging to businessman Mukesh Ambani, chairman of Reliance Industries. A full-time staff of 600 maintains the residence!
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
Senin, 14 Januari 2013
For ticket holders and dignitaries only - why I felt cheated by "Steam on the Underground"
‘The events’ writes the Transport for London's (TfL) website ‘will explore the tube’s history and will look at the role it will play in the future – both in the lives of Londoners and the economy of the City and the UK.’ We have repeatedly been told that London’s underground network is the lifeblood of the city; flowing into the veins of all who live and work here. We have been told that it serves us, that it functions for our benefit, through times of happiness and joy; and through sorrow and heartache. This does, therefore, lead me to ask why one of TfL's events, the running of steam on the Underground, was seemingly so poorly orchestrated that there was no hope that most Londoners could get a descent look-in.
I’m not talking about the lottery for tickets to ride on the steam train. There were limited spaces and this was probably the fairest way to decide who got to go on the historic run. Nor am I talking about the success of getting a steam engine running on the underground in the first place; that is a notable achievement. Rather, I am talking about the chronic lack of information available; the very un-friendly provisions for families and the arrangements for viewing the train at Moorgate.
 |
| Enthusiasts at Earl's Court |
The underground’s website suitably praised TfL’s operation of a historic train; except that crucial of all information, the route and times of its journey. Nether was their information on the best places to see it. I knew, as did almost every railway enthusiast, which rather obscure website held such information. But imagine if I were a parent wanting to take my children to see the run, would I have known which website to go? I don’t think so; I don’t think many would have known how to find the times out. Consequently, at the stations I visited it was clear that the railway enthusiast fraternity had turned out in droves; while ‘Londoners’, young and old, were in short supply. Why the times were not on the main TfL site (or if it was it was very well hidden) is beyond me.
TfL also probably made a windfall out of the steam train’s journeys. This wasn’t because of the £180 it cost to ride on it, that presumably covered the cost of operating the train. I’m referring to all those who ‘touched in’ with their Oyster cards, but failed to touch out in time because they were waiting around for the steam train, meaning money was subtracted from it. Suffice to say I got stung twice. I topped up my Oyster like a good little lad at Hampton Court; I usually top it up to the price of a travel card, so I had £8.90 when I left there. But after being inside Earl’s Court Station waiting for the steam engine for about an hour, on attempting to leave I was told I had no money. I queried this, but eventually put it down to some fault in the system and topped up again. Yet, when the same thing happened on attempting to leave at Barbican, after being ‘inside’ the tube for about two hours - it was only then I twigged. I appreciate I should have been more astute and figured this would happen; after all, I travel on the tube weekly. But what about the uninitiated; someone who was unfamiliar with Oyster cards and visiting to specifically see the train? I dread to think how much TfL made out of such people who made the same mistake I did. Yet, people could have avoided such a blunder if TfL had simply placed a mention on their website and at stations ‘Do not use an Oyster if planning to stay in the station for some time – use a paper Travelcard.’ Would this have been so hard?
 |
| I probably got one of the best views - still dreadful though |
But then there was what happened at Moorgate. Now, I know that a lot of people wanted to get to the steam train to have a look, but the way that the situation was handled was verging on the infuriating. For those who are unaware; Moorgate has two terminal platforms. When I arrived behind the barrier, TfL had decided to put the steam train in one of these and then had shoved a tube train, completely obscuring mine and others view, in the next. This was followed by at least 45 minutes of very mixed messages from different officials and police officers as to whether the tube train would move – at first it was going to; but then it didn’t; although we weren't certain of that for some time. Following this the dignitaries who had just got off the steam train came round in front of us, wandered up and down the stationary tube, and then left by another train that had arrived on a platform we were on.
Still our view was obscured. I heard a mother with three children, one of the few families I saw there, say ‘this whole thing has been organised against children’ – a sentiment I couldn’t disagree with; especially as she was unsure whether her two boys would get a look at the steam train. Eventually, we were let on the stationary tube so we could peer through the windows at the piece of railway heritage on the next line. It was ridiculous really. You weren’t able to take descent photos because of the glare from the glass; you weren’t able to even see much because of the people cramming by the windows; and awe and wonder was in generally short supply. Then, I heard the crying from down the train; one of the children who had waited couldn’t see it.
 |
| No way to see much, if any of the steam train. |
The steam train was only at Moorgate for about an hour and half. Would it have been so hard for TfL to cordon of one side of the platform for that short time, have the barrier patrolled, and remove the tube train so that all, not just dignitaries, could see the steamer in all its splendour? Would that have been so hard? In the end I came away with numerous blurry photographs and lots of reflection from the window. Unsurprisingly, most around me had exactly the same grumble.
All in all, a steam engine on the underground was a wonderful thing; and those who got the special service running should rightfully be congratulated. But I am sorry to say that as someone who has paid for the journey through may underground fares, who loves the tube and is interested in railway history, it seemed that unless you were lucky enough to have a ticket to ride or were a dignitary, you were a burden to TfL; not worthy of suitable attention or information. Overall, I came away feeling cheated; I had paid £18.90 topping up my Oyster, had waited over four hours in the cold, all for limited return. Therefore, TfL take note; you claimed this event was for those who live and work in London; yet you created a reality that was quite different.
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