Gratitude Girls special guest Lois Volk

GRATITUDE GIRLS HANGOUT!

9–26-23

930pm EST, 830pm CST, 730pm MST, 630pm PST

Special Guest: Lois Volk

Lois Volk is a mortgage broker with over 35 years of experience in the GTA. She provides professional confidential service and expert mortgage advice to clients who are purchasing new properties or refinancing.

Her areas of specialization include first time buyers, pre-approvals, rental properties, self-employed borrowers, new immigrants, poor credit, debt consolidation, and reverse mortgages.

She enjoys working with her clients to understand their mortgage needs and to find them the best financing solutions.

https://www.linkedin.com/in/lois-volk-16976613/?originalSubdomain=ca

https://www.facebook.com/lois.volk1

Lois Volk

Invis

416 460 5221

Loisvolk@invis.ca

www.loisvolk.com

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Gratitude Girls Journal – 100 day Gratitude Challenge

Hello, everyone! We are the gratitude, girls!
The gratitude! Girls are in the house. Hello! To our audience. Hi, Laurie! How are you?
I’m wonderful. How are you?
I’m great. I’m great. I’m really excited to be here tonight. There’s such a funny story about the things that happened before we
before we go live, and the things that really make this show so unique. This is almost like groundhogs. Day right?
Last month I called Lois a month early, when you really want someone, and you call them a month early. That’s giving them a message like you really want to talk to them, you know. Sometimes people say, oh, I showed up on the wrong day, or am IA few minutes late? I was a month early. That’s that’s how excited I was to speak to Lois. I remember when we had this conversation. So before we get started, maybe I’ll introduce myself to the audience who’s brand new to us.
I’m live streaming to you tonight from Niagara on the lake. Beautiful Niagara, on the Lake Ontario, Canada. My name is Catherine Sarah Myers, and you can call me, Rara. I’m here with my awesome partner, Laurie.
and I am outside of Nashville, Tennessee.
Laurie and I were hugging and locking elbows. Just this month earlier. I guess it was 17 days ago.
Is it possible?
Yeah, about that 17 days ago we were in the same city, in the same house.
We were here in Niagara, on the lake, and it was really quite, quite a moment.
because, although the show is about our guest tonight, what I do want to say is, it’s about gratitude, and I am so grateful, Lori, that you came all that way to be here with us.
and we I’ll let you talk about why you came, but I’m just happy. You did.
Yes? Well, the gratitude, girls.
a very first in per terri, and we had several women there, and it was still wonderful.
Yes, thank you. Your audio just sort of glitched a little bit there. So it was our first live
in Ontario retreat, and we had fun. We had photos, we had
energy. We had Bowen, we had 2 guest keynote speakers who came. One was Carolyn Jackson, one was Rhonda Moffat, and our guests who attended are still talking
to us. No, they’re still talking about it.
We did some really great work. It was awesome work. We’re still. We’re still vibing from it because it was only 17 days ago. So thank you for coming here. And I’m I’m really looking forward to the next one, because I feel like there’s a sequel to what we started. I feel like it was part one that you know you. You go to something, and you’re like, well, that was great, but that was the beginning.
So yeah, we’ll have to look at what that’s like. For you to come here. So, Laurie, there are people who are watching for the first time, and they’re wondering, like, what you know. What are you guys doing? What are you girls doing?
what are you the she, her them they. What are we doing here? Talking about the gratitude, girls to? Should we tell our audience a little bit about how this got started so many years ago.
Sure, yeah. So Katherine and I are both in a direct sales company called, Send out cards, and so we teach people how to keep in touch with their clients, their customers, as well as their friends and family, and in our company at our international convention they always have a theme for each year, and then they give an award away based on that theme.
So 2,013. The award was gratitude, or the theme was gratitude.
And so our CEO gets up on stage and he gives all the attributes and accolades of the different people the person that’s gonna win the award, and then he calls their name, and so he calls Katherine.
And I was in the back doing all my techie stuff, taking pictures and taking video.
And then he said, for the very first time ever we have a tie. And so then he starts telling about the other person, and then he calls my name. So Katherine and I actually met on stage in front of thousands of people.
And it was just like one of those things that you know when you see someone, and you know, like in dating. They always say like love at first sight or whatever. But you know, when you see someone you know that there’s something destined for you to do together, and Catherine and I knew that we both felt like
there’s not just coincidences.
and literally within like 2 min. Gratitude, girls, was born.
you know. It’s amazing, because in 2,008 I moved to Ontario in 2,009 I joined. Send out cards. and a few years later we met on stage.
And you’ve you’ve maybe you’ve moved once or twice before because Louis is gonna talk to us about, you know, moving and what that’s like in your life.
And when I moved I really reinvented myself
right down to the name branding, you know the very first words
our first grandson ever said it was Rah, and after going to a branding coach I knew that that was meant for me, and when I met you, Lori, on stage. I remember my knees were still shaking. I knew that was meant for us to meet one another, because Laurie is too
humble to tell you this, but she won an award
huge recognition in our company for giving the most gifts. So what does Laurie do? 5 min after she meets me she gives me a gift.
So Laurie had given the most gifts, and when I heard that I thought, what would it be like
to receive a gift from Laurie, and there I go when I meet her on stage, and I remember when we walked off stage and we grabbed hands together, and we were walking down, and I thought.
this is special, and it would took us. It was timeless. It was seamless for us to see our future together.
and to know that we’re here and visiting. And we said, We’re going to travel the world.
We’re going to travel the world together.
and we’re going to meet people from all over the world, and we’re going to help them share their stories. assist aid stage.
whatever that is. And tonight is no exception. because I’d like to take the moment now to segue into our special guest. so
stay with us, get a glass of water, cup of tea, cup of coffee, or grab your dinner and get ready
to learn something about money and mortgages tonight.
Our guest is Lois Volk
She’s a mortgage broker with over 35 years experience in the Gta
we are in Ontario, Canada.
Lois provides professional confidential service and expert mortgage advice to clients who are purchasing new properties or refinancing.
She’ll explain what that means. If that’s a new term to you.
Lois’s areas of specialization include first time buyers that’s awesome for the first time. Buyers, pre-approvals.
rental properties. self-employed borrowers. new immigrants. poor debt. debt, consolidation.
and reverse mortgages. Those are some fancy terms. That Lois is going to talk to us. About she enjoys working with her clients to understand their mortgage needs and to find them the best financing solutions. I feel like it’s a bridal shop I’m going in. I’m looking for a dress. There are dresses all over the place.
but there’s one, and only one, because when that bride says that’s the dress I feel like. That’s what somebody says when they’re with Lois, and they find the solution. And they say, that’s the solution for me. So, Lois, thank you so much for being here. Please share with us where you’re speaking to us from tonight. What part of the world
I’m in East York, Toronto.
A 15 min drive from downtown Toronto
Yes, oh, fantastic! So low is your 35 years dedicated to this business.
A quick question. How did you get into the mortgage business.
Well, II actually have a Master’s degree in history from the University of Regina. She’s in Saskatchewan, where I grew up. I worked for a few years with the Government in Saskatchewan provincial government.
and then my partner at the time transferred to London. England was an accountant an
I work there with one of the municipal councils for a couple of years, and all through my work with things for the Government, I just couldn’t figure out why they’re paying me to do what I was doing. I wasn’t enjoying it at all.
So when finally came back to Toronto few years later.
I wanted to do something where I was my own boss, and where my work would be.
II feel justified in
doing what I did, helping people and making money at it, and more I worked the more money I could make. So it’s worked out well for me. Met lots of very interesting people. And
it’s challenging on both sides, on the lender’s side and on me.
Borrower side.
Hello is having been in real estate myself when I was in my twenties.
Probably one of the most stressful decisions someone can make is going through a construction building a house. We have some experts in the room here renovating the house. We have some experts in the room here, you know, financing, refinancing, purchasing material.
putting an evaluation on something that doesn’t exist. Yet those are stressful decisions for people to make. And we can all give you our story on what that was like for us, and I’ll just open it by going around the room. We once did a 4 and a half year. Renovation?
You can just imagine what that was like, Laurie. You’re an expert at renovations, right.
Yes, we definitely didn’t take that long. It was only 14 months, but we took it down to the brick
and bought every piece of anything that went in the house ourselves.
Right? Yeah, we did the same thing for 4 and a half years, you know, you feel like you just built and designed something, and then
you know, somebody else wants it. You sell it. So, Louis, you deal with people who want something that belongs to somebody else. Someone okay. And someone says, You know I’m willing
to give this for a price
and move on, and then the war begins.
So what do you see in your business when it comes to the left brain, saying, How much is it? Here’s the money and the right brain going, you know, but I want that, too, and I want that you’re laughing. Share some stories with us.
Well. part of the problem with the Toronto market of late, particularly is, houses are in such short supply. and the The purchaser really can’t be very fussy if they want to house, they sort of have to take what they can get.
but they also have to reconcile what they may have worked to do afterwards, which has to be taken into consideration for financing
and each case is different.
Hmm! So when you look back at the real estate and the mortgage
that maybe somebody’s tuning in from somewhere across the world, and you know, maybe they’ve always had different market trends. Can you share? What do you think in Toronto like? What were the good old years? What were the years that you could remember it being relatively smooth selling when it came to buying and selling and mortgages.
Oh, there weren’t many real smooth times in Toronto. Early in my career I started in the late eighties when
mortgage rates are incredibly high.
which was really challenging for our purposes in those days.
and then rates eventually settled down. But prices also dropped off in the early nineties.
So it slowed. The market, then to people just became much more cautious. And then into the late nineties. It started to move along pretty well through the Earlytwo thousands, not too badly.
And then we hit covid during covid prices went crazy.
and it’s been insane since, like property values. Average home in Toronto is at least 3 times, but it was in
and about 2,001. So
it’s it’s
there isn’t a lot of normal in trouble.
Yeah. So how does a first time home buyer who has a regular job
buy a house. It’s tripled in value.
Oh, it’s tough! I really feel for the young people. Oh, and most of them are getting serious contributions from their parents.
Our parity says, but
so so tell me, does that lead us to reverse mortgages?
Reverse mortgages are geared to people 55 years and older, and they are giving their children who are giving their children large, substantial down payments. Yeah. And sometimes people will do a reverse mortgage to give their their children money.
Everybody’s situation is different. You have to evaluate how much they’re going to need for their own future lifestyle, and
how much they can give their children.
Hmm!
I feel for my children like it’s not easy to get into the market. And right now rates are very high, too. So
so if the people who are listening right now. We talk about 3 times the value and rates are high. Can we talk a little bit about some statistics in case somebody’s watching? And they’re like, what’s high. What’s 3 times the value? What’s the rate can we talk about that? We we allowed to quote average sale prices in Toronto over the last 6 months without being specific. Yeah, you’d be a better idea. But
say, for example, house like mine when I bought it in. Well, this is going back to
about 11 years ago.
And it is more than 3 times the value now.
which, like, if I was doing it again. I could not buy this house.
And it’s basically a 3 bedroom, 2 storey house.
the finished basement in a family room on the back
right? So that means that there’s a lot of equity for people who bought their homes 10 or 11 years ago. So if you paid 400,000 for the house. I’m just picking that now. It’s worth 1.2. So that means you have $800,000 in equity. If you paid the house out right
right. But you have equity in the house that you can actually take out
and borrow against it and renovate it, or do all kinds of things right.
So when the values of properties triple, you either take the money and go somewhere like you said where
or you leave it. Sit in the house, or you use the money.
So what’s the mortgage business about like we know that you buy a house? You go to a mortgage broker. But really, what is it about? Tell us the ins and outs of mortgages for those? Maybe some people have never been to a mortgage broker. They don’t know what that means
well, as a mortgage broker. I have access to many banks, trust companies
finance companies, private lenders. So
everybody’s mortgaging needs are different, and somebody may want to pay their mortgage up quickly. Somebody may want just the cheapest payment possible.
So you have to wait. Each person’s desires and
and if somebody wants to be able to do a lot of work on the property, you’ve got to give them a mortgage that allows them to take extra money out without you penalizing them.
And then you get on the other side. If somebody’s looking at me.
investing, and they want to buy some rental properties that’s totally different strategy for the ball lenders as well
respect the lenders. I have to make sure that I’m giving them good products so that they can continue to give me good service to.
So you’re basically a person who has access to money, but not just from one source for those who are not understanding or don’t know what a mortgage broker is. So someone can go to a bank bank, ABC, or they can go to you, and you can go to all the banks
and all the private lenders that you have access to. And you can basically, it’s like going shopping. You can go shopping for the lender. Okay? Right? And we, you know, we deal with so many different lenders. Sometimes we get special rates.
because if, if particularly if we send large volumes to certain lenders, they will give us better rates. And and then, of course, there are people that don’t necessarily qualify at the A banks
have credit problems or low income
or are self-employed.
There are other sources of financing for them.
and then it’s matter of counseling these people, making sure they’re aware of what they’re getting into and why, I think, why do? Why do you have to pay higher rates? Why do you have to face the fees?
So it’s presenting a good
good image of what you’re selling, and also you have to do the same to the lenders. Make sure the lenders
get the right information.
But before I pass the mic over Lori, what are the interest rates these days?
A five-year mortgage is about 6%
give or take.
Okay, so someone watching the show can actually have some statistics on what that’s like in Ontario. If they want to move to Ontario, look for a house. They can expect the average mortgage rate to be 6% right? That’s for 5 year great. And you know not. Everybody wants a 5 year rate right now, because there’s a strong feeling that rates will go down
and the short term rates are higher. Looking at one year rate is about 6.8 6.9
right there choices to be made and decisions to. And this is compared to 5 year rates of less than 2%.
Oh, a year and a half ago. So
hmm! There, there is some good counseling there. There’s room for some good coaching.
That’s where Laurie and I come in. Laurie, do you have any questions for Lois?
Well, first, I I’ve never heard of a 5 year mortgage. Here in the States. Most people get
at least 10 years and it but it’s usually 15 or 30 year rates.
But so that’s interesting. I don’t know that I could imagine paying
for a million dollar house on in 5 years.
Well, that’s it. You know we have. We have a different term in amortization, whereas in the States a lot of them are have the same term in amortization.
But the 5 year term is sort of it’s more most popular, and particularly with first time buyers, because for at least 5 years they know what their payments are going to be. But then
you don’t know what it’s gonna be in 5 years, and that’s
that’s how it’s challenging. But
there are 10 year mortgages. But the rates tend to be high enough that most people will pull with the 5 year or shorter.
So let me interject, because II hear a gap in the States when someone buys a house. They’re buying a house with the mortgage for the term that they’re expecting to pay it off.
What’s happening here? Lori, is this is a short term mortgage that’s renew. That will be renewed, or you’ll have to go back into the market. So it’s based on for 5 years your payments. So let’s say you borrow a million dollars.
and at 6%
amortized you’ll get the rate for 5 years and 5 years. You won’t pay the house off based on that. You could.
But if you don’t, in 5 years you’ll go get another mortgage. Hmm, or you’ll sell the house. It’s not based on
25 years, because I bought my first house, and I remember thinking, well, in 20 years I’ll be this old, and the house will be paid off, and you didn’t switch. Here you go mortgage shopping
here you can leave in the middle of a mortgage, prepay it, and go somewhere else. It’s like going
contractor shopping. It’s like going kitchen, cabinet shopping. You say I found I found a better rate. So I just wanted to explain that because it’s different in the States lowest. You know, we take for granted what we do here. But it’s not the same everywhere. So when we have a global audience, mortgage terms are usually much longer.
Right? Yeah. So it feels like, how would you pay a million dollar house off in 5 years? Oh, my goodness, that’s crazy, right? It can be done. I’m sure there are people who do it. Yeah. So that’s that’s a good perspective. Lori, thank you for bringing that that to the table, because
there’s a difference plus in the States that this we’re not giving any accounting advice here. You can write your amortization off.
We don’t do that here. so, Louis, wanna talk about that a little bit, because that’s a difference between the States and Canada.
Well, in Canada you can increase your payments at any point to reduce your amortization.
and not a lot of people do that but I’ve had some finds that been very aggressive.
Remember, early in my career. I did a mortgage for a couple. They were self employed
and of course, a lot of obviously a lot of cash business, and they paid their mortgage off in the 5 year term.
Right? So you know, Laurie, in the States. If I’m not mistaken, you could take your interest from your mortgage, and you can use that as a tax deduction. Yeah.
yeah, there are different laws here. We can’t do that here. That’s we cannot do that? Exactly. So. There’s a difference, right? I remember when I moved here, I thought, What do you mean? I can’t do that.
Oh, in a different country. That’s right. We have different rules, but it’s still a house.
Laurie. Anything else stand out in your mind.
Yeah, no, that was the biggest thing I when she was saying, like 5 years. So nonchalantly I thought, Wow, is that normal that everyone?
Oh, we wish that would be a good commission.
right?
That would raise the base point
lowest. Let’s attract the customer. The client to wants to pay the mortgage off in 5 years.
I have some that think they you know I I’ll use those prepayment privileges. I’ll pay it off. But of course it just doesn’t happen.
No, right?
Yeah.
Okay. So, Lois. So tell me, you know we could all go through life, and we all have, you know, all different kinds of
things to be grateful for and thankful for. And
but if you could just think of just one story to share with the world. Could you tell us a little story?
Hmm!
Oh, probably most recently in my leg. I had a blood disease.
and I needed a a stem cell transplant which I had 5 years ago.
and
the the prognosis wasn’t great when I went in for the consultation in advance, they told me I had about 50% chance of being alive
in 2 or 3 years
without the same cell transform
so and even with actually, even with the stem cell transplant, I wouldn’t. They weren’t guaranteed along with.
So they said that probably be in hospital for about 4 to 6 weeks.
And I actually
got out in 16 days.
And I go once. Well, I had an intensive checkups for the first year. But since then it’s once a year and my blood counts have all been fine, and I am here
very happy to be alive.
and that, you know it’s scary, because at first they won. I was preparing my house and everything in case I wasn’t going to be here one afterwards.
Oh, that’s a good. That’s a good outcome, Lois, right? Positive thinking.
yeah, I was just determined to make it. Then
what did you do? What did you tell yourself during that time?
Well, scary! But I just I wanted to be here, and I just did whatever I could to prepare myself properly for the procedure, and to make sure it was as healthy as possible afterwards to help myself.
and enjoyed my family as much as I could.
Yeah, that’s great advice right to to be in the moment.
you know. Always. Maybe you have a question for Lori and I. We like to
drop the mic on your lap, and give you a chance to
to ask us, in case you have something on your mind. Just let us know who the question is
geared towards, and who you’d like to answer.
Hmm! Well.
I’ve chatted a fair bit with, rah! Rah! But Laurie, what what is the nature of your work.
Well, I wear just a few hats.
So I for over 30 years I’ve owned a branding and marketing web and graphics design company. so that, transitioned into.
you know, with branding and marketing, I would teach people how to keep in touch with their clients, and so that branched into the send out cards, company, cause I would teach my clients you need some cards to your clients and send out company yours, or with
just one I was involved with, yes.
the same one with Katherine, where we met on stage yeah, and
And in that company I became one of the top leaders. So that led to training and speaking engagements which also led to that in my other company and I became a certified life business ministry, and then later grief coach.
So I have that I have a couple of nonprofits. So I have a company called Cops Wives, and my late husband was that, and then. So I also have a company called Wonderful Widowed Women.
that I created back in 2,013 when we lost him in a car wreck and
and then I joined a health company last year that was not planned, and but that’s been going very well also, and I’m the number 3 recruiter in that company and
and then my biggest, most important job of late is I watch my little grandson 4 days.
and you do all that other work on top of that. Yes.
good for you.
Awesome thanks, Lois. So, Laurie, you know our. This audience is watching. They don’t know you. They don’t know me. They don’t know, Lois. They’re watching us for the first time, and sometimes the audience is a little bit curious about things. So I’m gonna do something a little different tonight. So maybe for somebody who doesn’t know anything about
Lori or myself or you, Lois, what message would you like to give to someone who’s watching tonight meeting you for the first time or meeting. Will all 3 of us for the first time? What what piece of advice you have 35 years experience in your field. You just told us a very moving story about your determination, and and thank goodness you’re here to tell us about it. What piece of advice do you want to give to our audience? And we’ll go around the room, and it could be business or personal. Just
tell us, and I’ve spoken to you for in length and in detail. But
I don’t know this answer, because this is an unrehearsed show. So this is a question that I thought our audience might want some good, sound advice from 3 very experienced people in their life and business.
I would say it’s very important to listen to, really make sure you understand what somebody else is saying, or what their needs are.
what what they want from you.
Awesome. Thank you. Laurie. Do you have a piece of sound advice you’d like to give to our new audience or existing audience?
Sure. Well, it. My advice goes along with what we teach and train on, but
I think it’s the most important advice that I’ve ever come up with in my life and And that’s just
writing down every night before bed 5 things that specific and in detail that happened that day that you can be grateful and thankful for, and because we all go through those.
you know, mountaintops and those valleys all through life. And
when you’re in those really hard times. it’s really hard a lot of times to remember
how many things you actually have to be grateful and thankful for, but when you drop them down.
then
it’s easy to go back and lift yourself up
by reading all those past things, and it kind of like
kinda like is going to church and smacking you back into place where you should be, and and convicting you on how you need to be. And
and it just. It’s so helpful. And it’s just one of the biggest things that I think that I attribute to my success
and
and my happiness in life also. Just because because because exactly that, everybody’s gonna have moments and everybody’s gonna have things.
but when you can bring yourself back quickly.
then it just makes life so much better.
I agree just this evening, my my daughter, who’s she’s 30, and she’s she’s having a rather depressive moment. And
I told her I said.
No, you’re looking at it the wrong way. Think about the things that are good in your life, stress those rather than being fretting about other things.
So I have to tell her that. Try writing some stuff down every day about what is good.
Oh, we can send you the link to a place where she can write that, you know. I hear I hear what you’re saying, Lois, listening. That’s your piece of advice, Laurie. Your advice is what we teach and train on what we base our
fundamental core principles, writing
in detail what we’re grateful for every single day, and I agree with both of those, and I would give advice.
a piece of advisory.
an advisory piece to our audience, and I would say, to communicate.
because there’s listening.
there’s speaking, there’s reading, there’s writing, there’s contracts. There’s love letters.
But what’s really important is to have an open dialogue. because I’m not sure if listening means being quiet.
or if listening means engaging and knowing what the other person is saying like, Lois said. understanding them. Being quiet doesn’t mean we’re listening.
writing. What we’re grateful for doesn’t mean that the person we’re living with knows how much we love them.
So if we could do all of this. listen and repeat back what we heard.
Great, what we’re grateful for, and tell the people around us while we’re all alive
how we feel.
even if sometimes there’s a little bit of a rocky road. In that moment
the communication will lead to growth, expansion, depth, love, more love.
So I think when we put all these 3 things together.
we’ll have a very interesting circle.
because we’ll listen. We’ll write and we’ll speak and communicate.
I think they’re all core values for us in our own ways. and they could be misunderstood sometimes speaking, someone says you’re not listening.
and
that that, in fact, could put some light on the subject.
Yeah, thank you.
Thank you. So, Lois, before we wrap up tonight, we could talk about what you do and who you are. And you said earlier that you’re in your husband’s office.
and I saw a picture behind you.
And II thought it was like a child right? And I thought, oh, that’s a child in your life, and you shared with us that that it’s a picture view. And I thought how touching that this is your husband’s office, and he has a picture of you when you were child.
Can you share a little bit of a story about that? Probably about 21 or 22 in that picture. You were young, younger than I am now, for sure.
And why that picture he went through an old photo album that I have, and he like that one.
I’ll speak to put it up.
and of course he likes pictures of me when I was young. It’s beautiful. It’s beautiful to see that it’s really nice. It’s it’s heart warming it tells us, that you’re sitting in a room surrounded by love.
that’s nice to know, Louis, we’re gonna give our audience a way to connect with you. But hang out with us because Laurie and I are going to talk a little bit about Lori, we have somebody watching tonight, and I was speaking with someone earlier who’s going to be our guest, and I was explaining that it’s a one year. Wait to be on our show. Can we talk a little bit about? We’re blessed. What is it like to be on our show? And we talk about a link to writing in a journal. You wanna share some shed some light on those topics?
Yeah, absolutely. So. Yes, we have. It’s actually almost a year and a half. Wait, I believe now, and to be on our show.
But if you want to be like Lois, and you want to be featured on our show. Go to our site at Facebookcom. Slash gratitude, girls, watch some of our past shows there. You can also watch the shows at gratitude, Girlscom.
and then, but send it. Click the message, Link, and send us a message there. Tell us what your gratitude story is, and why you want to be featured on our show. Also make sure to leave us your contact information. So that way we know how to get back in touch with you.
And if you did hear us talk about the gratitude, girls journal of writing the 5 things down, and so
Go to. You can go to Amazon. You can also get it from us on our gratitude. girls.com site. But the easiest, of course, fastest place is just go to Amazon and type in either Laurie Dalk or Katherine Asaro, along with gratitude. Girls, journalists!
And you will find our journal, and it’s a hundred day challenge. So what we tell you is, get it and take our 100 day challenge and write in it every night 5 things that you are grateful and thankful for that day, specific and in detail that happened. We’re all always thankful for our house and our spouse and our cars and our kids.
But these are things that happen that day that’s specific and in detail. and if you do that for a hundred days
we guarantee you money back, guaranteed that your life will be better.
Yes, thank you. You know, Lori, until you’ve done it.
You don’t, and like one can’t understand the power of a hundred days of doing something that is cathartic.
removing the worry. You talked about what you said earlier.
removing the worry and the stress and and writing has a way of doing that. So there are many ways to look at things. And when you write what’s on your mind and what you’re grateful for, it actually relieves stress that might be behind some of the actions that happen during the day, because you’re grateful for, and then it just releases it. There’s a very therapeutic
action to writing our gratitude. I’m so grateful that we met on stage, and who knew that we would have our retreat behind us, or groups or clients.
our our coaching calls, our book, and and guests like Lois, to share with us stories your incredible story, Lois, of your your will and your desire, and the power of the mind.
I’m so happy that you’re here to share that with us, and I’m so glad that we sat at Verity, and we had the conversation about you being a guest on the show you were at Fran Fran lost lunch and we were at Verity. So look at how these friendships really developed into many things. Lois and I are members of women’s organization called Kelly, so I’d like to give a shout out
to Kawi for bringing us together.
and to Verity, for giving us a place to celebrate Fran Law’s birthday.
So we just keep moving things around and to gratitude, girls, for giving us the opportunity to hear your story, Lois, so we hope to see you next time that we are in Toronto together, and we’ll make sure that we set a date when you’re in town. So Lori, and I can get in touch with you.
Great!
Well, thank you so much for having me here this evening. Really good!
You’re welcome. You’re welcome. Hang out with us. Thank you so much. So, Laurie, do you? Into our audience.
big hearts.
and thank you and join us
next month. I guess, Laurie, you want to give us the dates and the times.
Yes, it’s the fourth Tuesday night of every month 8, 30 cent, 8, 30, Eastern 7, 30, no. 9, 30, Eastern eight-thirty, Central
7, 30 Mountain, and 6 30 Pacific to see you next time. Everyone. Good night.