Page 54 - Sports Energy News, Cornwall, Issue No 138

54 Issue #138 July 2024 www.sportsenergynews.com

By Brian Johnston Canada really is on a serious By Michael VanerMeer property, and your comfort
Continued from page 32 rate-cutting cycle,” he wrote in Continued from page 32 level. In todays market the

“But for context, they accounted his newsletter to subscribers. over asking price is not as high
for just 9% of total originations Meanwhile, shorter fixed-rate 2. Removal of conditions where as in the past couple of years,
in April and were 90% lower mortgages are among the most possible. with offers going over in the
3. Have an “as is” clause in
than the same month in 2022,” popular choices for today’s your offer. $5,000 to $10,000 range for the

noted Ben Rabidoux of Edge borrowers, as they balance a 4. Find out the sellers preferred most part, but if you consider
Realty Analytics. shorter term and competitive closing date and give it to them that going $20,000 over asking
Still, variable-rate mortgages rates. More than 50% of new 5. Don’t ask for any extras other price of a $400,000 home it is
are expected to regain a larger mortgage borrowers selected a than what are already included only about 5% of asking price,

share of originations in the 3 or 4 year fixed term in April. in the listing. it may be worth doing to secure
your dream home. Also, in some
months ahead. The big question in these
The Bank of Canada figures cases homes are underpriced so
“I do expect that we’ll see a sharp situations is how much over
also showed that mortgage having a Realtor determine the
increase in variable originations asking should you offer? That
credit growth reached a 24-year actual value should help you
in the next few months once it will depend on the property, determine what you offer.
low in the month of just 3.4%. amount of offers on the
becomes clear that the Bank of

KARATE KOMMENTS it and a beginning for those who want to understand it.

3) In Karate the reason you started is rarely the reason that you
stayed.
4) It’s impossible for someone to learn what they think they
By Jim Riddell, already know.

Seaway Karate Club 5) Two of the most common martial art injuries are bruised egos
and fractured motivations.
6) Don’t wish for it, - work for it.
Motivational Quotes
7) If you are not prepared to work for it, don’t complain about not
otivation plays an important role in karate as well as in life. getting it.
MMaintaining motivation can be challenging, and the karate
student who struggles to remain inspired probably won’t be in the 8) Learning a technique, doing a technique, and understanding a
dojo much longer. In a past column, we touched on some of the technique never happens at the same time.
motivation issues and offered 9) Your best teacher is your last mistake.
a few tips on dealing with them. Many karate students tend to 10) A Black Belt and each degree are only as good as the time and
belong to one or more of the numerous martial art groups on the work that went into it.
social media, where motivational or inspirational quotes are often 11) Steel will never become a sword without being burned and
posted. These short little nuggets of wisdom can sometimes inspire
beaten.
someone by changing their thought process just enough that they
may view something from a slightly different angle. I have always 12) There is no finish line in Karate. When you reach a goal, set
enjoyed these quotes and have built two files over the years, one a new one.
on general life quotes, the other on martial art quotes. The martial 13) Treat life as a sparring partner. Learn to slip, block, and
art collection comes from a wide variety of sources, ranging from counter.
Dr. Seuss to Winston Churchill. In the ten plus years that I have 14) Karate is not the meaning of life, but for many it adds meaning
been writing Karate Komments, I often end the column with a to life.
“Karate Quote,” here are a few from my martial art file.
15) For some students Karate class may be the best part of their
1) Achievement begins with desire, - then you work for it. day. Do your best to keep it positive and challenging. (Karate

2) Earning a Black Belt is an ending for those who want to have Coaching)