Protect Your Mortgage with the Right Life Insurance

It’s always important that you take time to consider how you will pay off your new mortgage if something unexpected happens to you.

While it’s often tempting to opt for standard mortgage insurance, Amanda Cutten explains many people don’t know that the right life insurance policy can offer this same protection alongside several additional benefits - including:

You name your own beneficiary.

This means that, in the event something happens to you, your beneficiary can decide how the death benefit payment will be allotted. A typical mortgage insurance policy names the financial institution as the automatic beneficiary for the amount due.

You have more choice

When selecting your life insurance coverage limit, you can choose any amount subject to policy limits. Traditional mortgage insurance has fewer options in terms of both the amount of coverage you can choose and the length of the coverage period.

Your coverage does not decrease

Traditional mortgage insurance policies only offer a decreasing benefit for the length of the policy’s term – so just enough to cover the remaining balance of the mortgage itself. A life insurance policy would provide you with the full value of the death benefit – regardless of what you still owe.

You can add additional coverage options

If you opt to protect your mortgage through a life insurance policy, you can take advantage of many additional coverage options. A disability waiver of premiums, for example, is a type of coverage that helps preserve your policy in the event your income is affected by an unexpected disability. Buying a home is a big and often-intimidating process so it’s important to ensure you’re well-prepared.

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Be sure to consult an insurance and financial services professional to confirm you’re on the right track and determine the best mortgage protection option for you. Not sure where to start? Reach out to Amanda for more helpful insurance tips.

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Amanda Cutten

Amanda has been in the industry for over 25 years.  She opened her business in 2007 and has been helping customers ever since.  When dealing with Amanda and her office, you can expect to receive exceptional customer service and a clear understanding of your coverages. Amanda and her team pride themselves on the relationships they have with their customers.

“We deliver personal service to our customers and want to grow with them as their needs change and develop over the years.  We take the time needed with each and every customer to make sure they understand and are comfortable with the products they are “investing” in.  We strive to help our valued customers reach their goals and make sure they are well protected… today, tomorrow and in the many years to come.

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5 Keys to Unlocking the Door to Home Ownership

This week, Eugenia Evans of Evans Real Estate is sharing with us 5 Keys to Unlocking the Door to Home Ownership:

1. ‘Just do it’ is the iconic Adidas slogan but it works equally well in real estate. There will never be the perfect time or the perfect house.

2. Like in life, do not listen to what people have to say as this is when all the naysayers will come into your life. Hire and work with experts you trust and then consider their educated advice before making decisions.

3. Pay your bills on time as this is one of the biggest impacts on your credit rating. Lenders’ value and appreciate responsible borrowers and this is reflected in your credit score. If you don’t have a credit score or it is low, work diligently to create one and do not neglect those pesky cell phone bills as they are a relatively small amount that can have a huge impact on your credit score.

4. The earlier you start investing in real estate the more successful you will ultimately be and feel. You can then use one property to leverage yourself into another property if owning multiple properties is your goal.

5. Consider purchasing a property and sharing to help pay off your mortgage with perhaps extra payments. It does not have to be a forever proposition, perhaps set a five-year timeline as this is when your mortgage payments have the highest impact in reducing your interest payments.

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Eugenia Evans
Broker of Record / Owner

Eugenia began her real estate career after the real estate shift in 1989 while starting a young family. She persevered and aside from being a consistent award winner with a large competitor she also managed a successful real estate office. Eugenia loves to read and understands its importance and so she started the Annual Big Book Sale with all funds donated to KEYS to Inclusion, a local charity for adults with intellectual difficulties.​

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From growing up in a trailer park to multiple 7 figures

Dear Pure Tribe,

today I want to share with you a podcast that truly moved me recently. We’ve worked with Nicole a few times but I had no idea of her journey. I knew she was a successful clinic owner, a business coach and a wonderful person to be around and work with. I think I assumed she came from a business savvy family, which couldn’t be further from the truth.

Listen here to find out about 3 things Nicole learned about success from growing up in a trailer park:

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Are you sharing your Victim Story or Passion Story?

Understanding the Difference

As entrepreneurs, we often find ourselves narrating our experiences through two distinct lenses: the passion story and the victim story.

The passion story revolves around the "why" behind our entrepreneurial journey, encapsulating everything we are deeply passionate about – our mission, the positive aspects of our work, and the meaningful contributions we make. Sharing our passion story fosters connection, conveys our commitment to our tasks, and spreads positivity, cultivating a productive mindset and attracting people to us like a magnet.

The victim story is a compilation of the challenges, setbacks, and the aspects of our work that we dislike. It extends beyond professional hurdles to include the events in our lives that thwarted our pursuit of an idealized perfect life.

It's not uncommon for individuals to share their victim stories. The allure of the victim story lies in its relatability – we've all faced obstacles and disappointments. However, focusing on this narrative can be emotionally draining, not only for ourselves but also for those around us. I don’t know about you, but I dislike following people who are always negative, sad or angry. It’s simply draining.

The Power of Focusing on Your Passion Story

While it may be tempting to default to the victim story, the real magic happens when we consciously choose to center our narrative around our passion story. This shift in focus is not about denying or dismissing challenges; rather, it's a strategic choice to emphasize the positive aspects of our journey, both personally and professionally.

When we share our passion story, we inspire others by highlighting the purpose behind our work. This creates a ripple effect, fostering a culture of optimism, resilience, and innovation. It attracts more positive people, changing your network for the better.

Embracing the passion story allows us to tap into our intrinsic motivation, reinforcing our commitment to our goals even in the face of challenges. It empowers us to view setbacks as opportunities for growth rather than insurmountable roadblocks.

While it may not be easy or even possible at times (we all go through difficult experiences throughout our lives) we do have the power most of the time to shape our lives and our story!

During your photoshoot, we encourage you to practice showing up as your highest, most empowered self. It’s within you, you need to practice letting that person out more.

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Marta

We recently had a very special photoshoot with Marta Herman, an accomplished, award-winning opera singer. We first photographed Marta 10 years ago, so in a way this was our anniversary.

Looking at these photos of Marta as well as the ones from our previous photoshoots, I see her story as a woman and as an opera singer. It makes me emotional to see her journey through life as she’s going through different stages, as she’s changing and growing, stepping into her power, getting to know herself more and more, becoming more beautiful in the true sense of this word every single year.⁣

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High Achiever Savoir-Vivre: 5 Essential Rules for Professional Success

Have you heard the saying: “people will forget what you said but they won’t forget how you made them feel”? Mastering the art of business savoir-vivre is crucial on the journey to becoming successful.

Here are 5 Essential Rules for Professional Success:

1. Keep Your Word

Promises and commitments are the currency of trust. When you say you will deliver a project by a certain date or meet a deadline, it's imperative to honor that commitment. Reliability builds trust, and trust is the absolute bedrock of successful professional relationships.

Breaking promises or consistently failing to meet commitments can damage your reputation and erode the trust others place in you. It’s always better to under promise and over deliver.

2. Respect Boundaries

Respecting boundaries is a fundamental aspect of business etiquette. This involves recognizing and honoring the personal and professional boundaries of others. It's crucial to be mindful of people's time, privacy, and personal space.

Avoiding intrusive questions, not overstepping personal boundaries, and being aware of cultural differences contribute to creating a respectful and inclusive workplace. By respecting the boundaries of others, you demonstrate a high level of emotional intelligence and professionalism.

3. Communicate Expectations

Clearly articulating expectations ensures that everyone is on the same page and minimizes misunderstandings. Whether it's setting project goals, outlining job responsibilities, or discussing performance expectations, communication is key.

Effective communication involves active listening as well. Taking the time to understand others' perspectives and concerns fosters collaboration and teamwork. Communicating expectations helps avoid multiple problems.

4. Professional Presentation

A polished and professional presentation style reflects a commitment to excellence and attention to detail, reinforcing the positive image you project in the business world. People assume things about us based on how we present ourselves, whether in person or online. If we look messy, they’ll assume our work is messy. If we look outdated, they’ll assume our expertise is outdated.

A big part of professional presentation is being on time. I always try to follow this rule: “10 minutes early is on time, on time is late and 10 minutes late is not acceptable”. Even if something happens, by trying my best to follow this rule I can minimize being late.

5. Take Responsibility for Yourself

Taking responsibility for your actions and decisions is a mark of true professionalism. If mistakes are made, own up to them and take the necessary steps to rectify the situation. Avoiding blame-shifting and acknowledging your role in both successes and failures demonstrates integrity and accountability. At the end of the day, we’re all human and mistakes happen from time to time.

Avoid any kind of victim behaviours to be seen as professional, always focus on what you can do not on what you cannot do.

Would you add anything to this list?

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