Mortgage brokers are vital in any economy, and none more so than the New Zealand economy. Around 40% of all mortgages written each year are completed by mortgage brokers, and they are filling a very big demand gap in the market.

Provided that they can continually win new business, mortgage brokers can make a very large income in the current housing bubble market in New Zealand. The standard commission from Banks is generally around 0.65 for any mortgage plus there is generally a trail commission as well. Hence a mortgage broker writing a 1 million dollar mortgage is going to receive $6500  commercial upfront, for work that is no more difficult in general then writing a $100,000 mortgage or smaller. Their key input into the process is to find the best deal on the market for their client, and that is simply a matter of them having access to good information and having a skill set necessary to determine how to interpret that information.

The time component for a $1,000,000 mortgage is little more then the time component for a $100,000 mortgage, and it may be that the client for the $100,000 mortgage is less able to service this mortgage and therefore maybe requires a lot more work to get the application right.

Needless to say, today’s housing market with the very high purchase prices means that mortgage brokers who are winning this business are winning all the way to the bank. In the modern Internet era a large proportion of all new business comes from people searching on Google, and in this regard there are only a few of the larger mortgage broking companies that are really  winning, as they have managed to get their company website onto page 1 of Google searches for keywords like ‘mortgage brokers Auckland‘.

It is expensive and difficult to get onto page 1 of Google, and the investment required can rollout all bar the largest mortgage broking companies. New business like this will be very lucrative for these companies, as the work for most clients will be pretty standard and straightforward, in may only require one or two hours work in total if the mortgage brokers in Wellington are suitably skilled and experienced. Most mortgage brokers freely admit that they could handle all the work that could be thrown at them, as they would simply take on additional staff with necessary, as the basic work is so lucrative.

Becoming an electrician can be difficult but is very important for those who wish to be electricians as otherwise they would need to take another job. Watch this video:

The smartest and fastest way to become an electrician it’s to take out  an apprenticeship with a  respectable electrical firm. While the initial pay of an  apprentice will be pretty low, after one or two years the pay will increase considerably as experience is gained and the apprentice becomes a lot more useful. Additionally an electrical apprentice can have a very good career paths either within the electrical firm in leadership and management roles, or by going out into private business.

It apprenticeship is the very best way to become an electrician because it brings good work experience very quickly, and means that the study that the apprentice is undertaking for certification has a very practical grounding. This is very important, as  almost everybody normally learns much faster and more solidly when the new information relates specifically to experiences that we have had.

Electrical work is by it’s very nature technical and often complex, and working as an apprentice with good supervision will ensure that the budding electrician is following good practice both from a safety angle and from a work efficiency angle. Some people do try to become an electrician by studying for their electrical or engineering certification and then looking for a job, but the rest here is that all of their training will be theory only, and they will have difficulty with all the practical aspects of the work.

A key feature of any electrical work is the need to apply sound and safe rules and processes to solving complex problems in an efficient and cost-effective manner. An apprentice is going to get very good guidance from their employer, who will want to ensure that their employee is doing all the work and safely but it is efficiently and effectively as possible. The finished work will always be there as an example of the best electricians Tauranga has in town.

Old age can sneak up on you pretty quickly

Old age has a nasty habit of sneaking up on some people when they least expect it. This can happen in your twenties and thirties when you suddenly realize that you can no longer tackle physical activities that you used to be able to do confidently and competently in your teens or early twenties. This can be pretty depressing especially if you can’t figure out a way to reverse the situation.

Conversely, you can arrive in your sixties or seventies and still consider yourself a fit-ish teenager albeit somewhat slower and more careful. This is a delightful state to be in, as you find yourself able to cope happily with most challenges in life, and you find yourself looking forward to each new day and new week with relish. You really do feel as though old age has bypassed you or at the minimum has only had a small slowing down effect.

The truth is that finding yourself still a teenager when you’re in your sixties and seventies does not happen by accident, and it is very difficult to get into this desirable state if you have allowed yourself to become an old person in your twenties or thirties. It is obviously far better to avoid the early onset of old age, and you do this by the simple technique of getting fit, staying fit, hanging around with fit and healthy people, eating and drinking in a healthy manner, and avoiding obviously unhealthy activities and behaviors.

Motivation to change is generally the biggest roadblock for anyone wanting to change their lifestyle and get fit and stay fit, and I have found the best motivation is to join a club or a group of people and regularly train with these people. Healthy friendships become inevitable, and you will end up with good friends who look out for you and help and motivate you to keep training and getting fitter. The key to all this is to develop the mindset through habit that you are a fit and healthy person, and that healthy people hang around with and train with other fit and healthy people. This is the easiest way to develop a life-long fit and healthy habit.

A nice benefit of having similarly fit and healthy friends is that you can all be teenagers together in your sixties and seventies, and not feel it all embarrassed by being “different”!

What’s the best way to live longer? Watch this video to find out!

Cryonics: The Best Way To Live Longer