Mortgage Blog

Talked to one client yesterday and we chatted
about how to invest in stocks. And she said that
she was trying to learn and improve the returns and
how to learn from the past mistakes.

I did mention to her that I have a very good friend
who does pretty good on stock trading and investment.
And he said that a little improvement on trading timing
can help the return by 5% to 10%, though it's very hard
to be better on the "timing".

For my business, though I always said that I can
survive if I can do a little bit better than
competitors.

On the other hand, we becaome successful most likely
because we have a system which we can benefit and
improve ourselves. That's the self-emprovement.

For about a year, most of the mortgage brokers can
get about the same rate. But still we can beat the
competition by a little bit. Uusally I can provide
better rate by the better sense of the bond market,
the short turn-around/locking period so that my clients
get better rate, and also negotiation with the lender
to get better pricing as much as possible.

I finished running 10 miles this morning and will have
another 6 miles tonight. I found that though you run
against others in a race, but in most part you run
against yourself. You correct the running form, do
more core exercise, eat more right foods, etc.
Only after lots of self-improvement you can have the
skills/energy beat the competition.