By the time last week’s blog was posted we had already been in France for a week.  So many lasting memories, and my word, so many games.  In total, in twelve days we went to seven matches. When asked by locals how many games we were going to they seemed to be genuinely surprised when we told them.  Their expressions gave away their thoughts, as in “you guys are nuts.” They could be right, but it’s like the old saying goes, go big or stay home.  So we decided to go big.

When looking back on this trip years from now I’m sure some details will fade away but some will stand the test of time.  Bravo to the French for putting on a magnificent event, under very trying circumstances.  I must confess that just prior to leaving for France,  I experienced some apprehension. Some forty eight hours prior to departing for France, the French Government released an app and the purpose was to notify you of an imminent terrorist attack or what to do in the event one occurred.  So we downloaded the app, and silently questioned our sanity.  The touch of angst and apprehension I was feeling prior to the trip lasted for approximately two days in France.  It’s strange to be sitting on a patio in an outdoor cafe, in the center of town, and there walking among the crowds is the French Militia.  They were in full uniform, with machine guns and other weaponry at the ready.  The visual was disconcerting, yet comforting at the same time.  The security and military presence sent a message, “you kill us…we kill you back.”  Here’s hoping the rest of the tournament goes without incident.

Truth be told that while we were there, there was a greater risk from soccer hooligans.  Ah, the hooligans were in fine form.  The Russians embarrassed themselves on and off the pitch. Their team was dreadful, and their supporters acted like punk thugs.  How bad were they? They made English fans look like victims. Then there were the twenty-five Croatian anarchists, who actually posted on Facebook that in the 85th minute of the next match they would disrupt the game by throwing flares onto the pitch.  Their intent was to have Croatia thrown out of the tournament.  Their “rationale” for doing this was that they don’t like who and how the Croatian Soccer Association is being run. Good lord, get a life.  Wait, they don’t have one, and that’s why they do these sorts of things.  So we were at the game when flares rained down onto the field.  The mental giants who perpetrated this act were lucky to leave the stadium alive. Their luck will run out.  Their names and pictures have been posted on Facebook.  That’s the problem when everyone has a mobile phone; it means everyone has a camera. Croatian authorities stated these individuals will be apprehended at the border, and turned over to French authorities.   What awaits these future Mensa Society members? Three Russian thugs who were arrested in France have already been convicted.  The sentences ranged from two years to twelve months, magnifique!

The acts of idiot petty criminals will soon be forgotten. What I will remember is that France really is a beautiful country. We travelled by train from city to city, and you can appreciate its natural beauty. Even while traveling at 306 kilometers an hour on a bullet train.  I’ll remember the quality of soccer played, especially the Croatia – Spain game.  The Irish soccer fans.  Win, lose or tie, their disposition does not change.  They celebrate and are happy just being there.  My Dad, at 78 years of age, what a champ! Always up for the next adventure.  Lastly, my brother Tom.  This trip doesn’t happen without his efforts.  He had a room in his house set up that looked like something from NASA.  Multiple computers, monitoring multiple accounts so that we could get tickets.  Without the tickets? We don’t go.

 So now it’s back to reality, watching the remainder Euro on TV.  Equally as compelling will be watching the insane versus the sane in Great Britain on TV.  Supporters of Brexit condemned England to a loss, by way of one goal.

Until next time.

Cheers,

That’s the title of a book I came across while wandering around an airport a few years ago.  The title of the book was such a contradiction of my own personal belief that I was left with no choice but to pick up the book and read the overview inside the book jacket.  I’m not sure if the author, Geoff Colvin, came up with the tittle or not.  Whoever it was, kudos.  It made me pick up the book, and eventually buy it.  It’s an interesting and fairly simple read.  The book is based on research, and Colvin’s interpretation of the data.  His findings and conclusions are based on empirical data, and there is not a single suggestion that to be great at what you do is easy.  On the contrary, Colvin concludes that to be great requires painstaking work and dedication. 

 The reason the book came to mind was because of the Masters Golf Tournament.  Golf enthusiasts know that the Masters is being played this weekend, actually, Thursday through Sunday.  The Masters is a unique tournament.  Its mystique is unparalleled.    Augusta National, where the Masters is played, is sacred soil for golfers.  Golfers would pay a “stupid” sum of money for the privilege of playing that course, just once in a lifetime.  It would be the ultimate bucket list experience.  I’ve had the privilege of attending the Master’s on a few occasions.  The first time I walked on the grounds I was mesmerized.   It was one of those rare moments where you can say the experience was better than what you anticipated it would be.  So, what does this have to do with a book entitled Talent Is Overrated?  The author dedicated a chapter to Tiger Woods, who just happens to be playing at this year’s Masters golf tournament.

Tiger Woods is one of those rare athletes who transcends a sport.  People who don’t even like golf know who Tiger Woods is.  He is one of the most recognizable athletes in the world.  Many people adore him, and many people dislike him.  But there’s no denying that everyone has heard of him, and can recognize Tiger Woods.    That’s a result of being a generational athlete, who is responsible for a transformational change of a sport.  Some know him more for his personal shortcomings, which I could care less about, but everyone knows him because he was that damn good at his chosen profession.  Colvin posed the question, “why was Tiger Woods that good?”  Is it a God given talent?  Does he possess a golf gene that no others have?  How many times have we explained extraordinary results by simply  saying, “he/she was born that way”.  Colvin debunks that myth, and I think he’s on to something.

SPOILER ALERT –  I’m going to share some of his findings so stop reading if you want to pick up the book and be surprised.  Tiger Woods was programmed to be a golfer, specifically by his father.  Earl Woods, Tigers father, served in the military.  He did two tours in Vietnam, the second tour as a member of the United States Army Special Forces.  In other words, a bad ass you didn’t want to mess with.  He knew all about structure and discipline.  He also had a teaching background.  His background was the perfect for molding and programming his son to become one of the greatest golfers of all time.  Example, when Tiger was an infant, his father would take him into the garage, put him in a high chair, and make him watch his golf swing for hours on end.  Tiger’s father loved golf, and he was determined to make his son love the game even more.  At four years of age Tiger and his father appeared on the Mike Douglas Show, a well-known TV Talk Show back in the day, to demonstrate his golfing prowess at such an early age.  Tiger’s entire life was golf and school. Apparently the focus on education was his mother’s doing.  Tiger was programmed to think, eat, drink and practice golf.  Thousands and thousands of hours dedicated to hitting a little white ball.  The dedication to practice, to sacrifice “normal” child experiences, created a golfing virtuoso.   So is Tiger’s mastery of the sport nature or nurture?  After reading Talent Is Overrated, I lean more towards nurture.

Everyone knows about Tiger’s personal challenges.  Golf fans know that Tiger’s body is breaking down, and his age is becoming a factor.  The hundreds of thousands of violent swings, which is the only I can describe Tiger’s golf swing, has to eventually take a toll.  The golf world so badly wants Tiger to be Tiger of old.  Everyone was surprised to see Tiger embracing other golfers  on the practice range at this year’s Masters.  Tiger joking around with the media, spending time with his children.  Everyone is saying it’s a new Tiger Woods.  The Tiger of old had little time for comradery, kibitzing with the press, and family was used as a prop.  Can he ever win again with this new found attitude?  I think it might be a matter of too little, too late.    As the old saying goes, “practice makes perfect”.  But perfect has a price. 

Until Next Time.

Cheers,

One of the unfortunate by-products of the “information” age is that content is required, every minute of the day.  Be it 24 hour news stations, sports stations or online publications etc.  There’s no time to think things through.  In-depth research and analysis takes times, and nobody seems to have it today.  We live in a 24 hour news cycle, and the competition is fierce.  The more salacious or provocative a story is, the greater the chance that eyeballs will be directed to it.  Case and point, Alberta.  Our friends and colleagues in that province must feel like they’re under siege.  It’s a constant bombardment of the “sky is falling” narrative. This is not an “it’s not fair” sentiment an eight year old says that when you make them go to bed by 9:30 pm.  The shame is that there does not appear to be much balance in the news with respect to the price of oil, and the impact it will have in Alberta.  There are contrary opinions in this regard, but you have to look for it.

I came across an article which suggests that the price for a barrel of oil has hit bottom.  This is not a lone opinion, and one individual who is suggesting this has a wee bit of knowledge and credibility in this regard.  (more…)

A belated Happy New Year – here’s to a healthy and prosperous 2015. The beginning of a new year brings freshness and hope that “things” will be better.  It would be nice if we could bundle up the previous year’s trials and tribulations and say, “abracadabra…disappear”.  Don’t bother trying, it doesn’t work.  Flipping the calendar over doesn’t mean there’s no carryover of issues and problems.  Don’t know about you but to me the world seemed to become a nastier place in 2014.  We Canadians will always remember the terrorist attack on Parliament Hill in 2014. The carryover from that incident into 2015?  I think most of us believe it will happen again, it’s just a matter of when; and now we deal with the images in Paris.  Innocent people were slaughtered because of political cartoon in a newspaper.  I think it’s going to take a real effort in 2015 to maintain a positive outlook, and shut out the madness and evil. 

The New Year is all about a positive outlook. Resolutions are made, only to be abandoned by mid-February. I don’t make any resolutions because I know February is coming. No, what I do is go into every year with a theme. That gives me a lot of wiggle room.  It’s a macro approach versus micro.  Example, contemplating losing 15 pounds, while elbow deep and family sized bag of Lay’s salt and vinegar potato chips, is a fool’s errand. The resolution shouldn’t be to lose 15 pounds…the theme should be “overall wellness”.  See – all kinds of wiggle room.

Since there’s no way to shut out the world you’re left with no choice but to look at the issues through a dispassionate lens.  Fact – China’s economy is contracting, as is Brazil’s and India’s.  Not long ago the emerging markets were going to be our economic saviors; today, not so much.  Fact – Europe is once again a bit of a mess.  The Greeks, they’reeeeeeee back, are talking about leaving the Euro Zone.  Empress Merkel of Germany said that it’s okay if the Greeks leave. That means we can all raise a glass of Ouzo, and toast the Greeks a safe avito (Greek for goodbye). If Merkel says Auf Wiedersehen, it’s time for the Greek’s to put on their Sunday best Lederhosen, and look smartly when exiting. Fact – Russia’s economy is in a mess.  Putin still has popular support in Russia, but let’s see what happens when cells phone, Benz’s and Prada bags started being repossessed with greater frequency in Russia.  And what happens if Putin gets really mad?  We just might find out in 2015.

Closer to home, the giant is back. The U.S economy is arguably one of the most robust economies in the world today. The U.S greenback is soaring, Americans are spending, which helps Canadian exports. The price of oil impacts both the American and Canadian economy. The way it’s going now it’s just a matter of time that our credit cards will be credited 10 cents a liter at the pumps. As for interest rates?  I now believe we’ll see a rate increase in the U.S. in 2015.  Will Canada move in lock-step?  Doubt it, the Canadian economy is still too fragile, but who can say with any certainty. 

So, there are a lot of issues – hot spots – in the world that will impact us in 2015.  Hopefully 2015 won’t result in us looking back on 2014 with fondness.  Time will tell. 

Until then, anyone want a salt and vinegar chip?  Oh, sorry, all that’s left are those tiny little pieces in corner of the bag.

Until Next Time,

Cheers.

Just coming back from New York, and I’ll spare you the cliché.  New York – bright lights, the city that never sleeps, blah, blah.  All true, but the bright lights I’m referring to is a select group of loyal supporters of Merix Financial.  We  had the pleasure of hosting a number of mortgage brokers in New York to attend the World Business Forum.  The event is held over  two days and attendees at the conference are leaders and executives from around the world.  The lineup of speakers have diverse backgrounds and experiences.  It’s the diversity of the speakers which provoke thought and critical thinking.  The two day event allowed all of us to exit the echo chamber that we all find ourselves occupying.  That is a critical element of professional development.  Thought provocation forces you out of your comfort zone.

Our invited guests embraced the opportunity to listen and learn from speakers whose subject matter expertise may have appeared to have only a subtle correlation to their daily actives.  But, they came open minded and prepared to see where the experience takes them.  I got a big kick watching our guests as the event evolved.  Here was a small group of people who for the most part were strangers to each other or know by name only.  However, in a short period of time small micro groups were formed to talk about issues that each individual faces each and every day at work.  It’s remarkable how quickly trust was built among the group, and it was a safe environment to say “I got a work problem, and I don’t have an answer”. Assistance and suggestions from peers was immediate, and no one held back for competitive reasons.  I can’t tell you how cool it is to watch a team come together. Make no mistake, this is a team.  As of today they know they can pick up the phone and reach out to one of their peers from across the country to help them solve a problem.  Sometimes business can be overwhelming, but it doesn’t have to be lonely.

In my humble estimation, the event was a success, and here’s why.  First and foremost, our guests wanted to be there.  That was demonstrated by their support of Merix to ensure they were invited. Also, our guests are all focused on building a business, and not just a job. That’s an important distinction. Secondly, Merix set the right expectations.  It was learning first, party second.  Don’t get me wrong, there was time to have fun.  Like the night we all went to Madison Square Gardens for a Fleetwood Mac concert.  Our seats we on the floors and we were swept up by the music and the New York audience.  Even though there was bit of a “generational” gap for some of our guests, all danced, had a few libations, and allowed themselves to be swept up by the event and the masses.  But come 8:30 am the next morning, all were ready to begin a new day.

An extraordinary amount of time and effort is put into planning one of these events.  I can never really be sure if our guests will find a benefit in attending, while leaving their business for a few days.  After the wrap up dinner we hosted on the final night, one of our guests sat next to me and gave me a book.  She wanted me to have the book because she thought I would enjoy the read.  She mentioned that she wrote a note on the inside of the cover but asked me not to read it at the table.  She said she didn’t want to become emotional.  I smiled and said I would respect her wishes.  After three hours of the book being by my side, I finally made it back to my hotel and I read her note on the inside of the cover.  It was heartfelt, genuine and so sincere.  It was right then that I knew the effort in putting this event together was worth it.

So to Gerry, Tim, Scott, Shawn, Karen, Richard, Brenda, Tracey, Sandy, Paul, Sarah, and Elisseos, if you don’t mind…let’s do it again.

Until next time.

Cheers,