Put Up Or Shut Up?

I’m a man of contradictions. Sometimes I can even hold it against myself. Sounds weird huh?

I don’t like any types of confrontation. So uncomfortable that I’d avoid it if I could. However, when a situation warrants it and requires me to act or speak out, I don’t hesitate. I guess this is one of contradictions that I can call upon myself all the time.

This unparalleled courage often just comes through effortlessly. I don’t need to summon it up or make an extra effort to bring it all out. What drives me is my intuition, a natural instinct. I wish I could switch it off just like that. But too bad! I was born with it. I won the genetic lottery. I hit the jackpot. It’s in my DNA. But I came out the womb this way for a reason.

Years ago Dad told me that an unwillingness to disguise my feelings is a major downfall and will seriously hinder my chances of success in life. In retrospect, maybe he got a point. But back then I thought he was too old school, so I never listened to him or bought into his theory, purely out of stubbornness. Admittedly, it was my ego speaking most of time. Now older and wiser, I’m supposed to be that all rounder person right? Haha, far cry from it. I wonder if I’ll ever grow up one day.

I’m still that person who wears his heart on his sleeve. Perhaps it’s not always a smart thing to do – let your feelings show. All emotional intelligence experts would possibly agree and tell you the ability to manage your emotions is your ticket to many good things in life, like gaining a job promotion or building an intimate relationship. I’m convinced!

In politics, they often say: just put up or shut up. For me, I say: stand up! The ability to get back up again after a fall or speak your mind and have your voice heard or write about your journey and share it with the world audience would really be what I call a success in life, in my book that is…

Nothing Usual About Business As Usual

Lately I’ve heard the phrase business as usual a lot. Is it trending right now?

Think uncertainty. It’s become the norm for many of us. In a business sense, the job we have today can be gone tomorrow, in a flash. We’ve seen time and time again people lose their jobs at a short notice or a shop on your street close down without a warning. While some may have that “not in my back yard” mentality, none of us is immune to change. We’re all in the same boat.

What’s around the corner? We may never know beforehand. What hasn’t changed is change itself. Many say expect the unexpected. Nice try! Psychologically, it gives us some “normality” to look forward to. At least we can still expect something – even though it’s unpredictability we’re talking about. Who’s got that crystal ball? Give it to me!

If someone says to you: Business as usual. Before you hurry to buy into it, wait a second and ask yourself: Is it what it seems to be or have they got something to hide? I guess it depends on the context but if it’s something that may affect you, you have a good reason to doubt their word.

The message is: You shouldn’t be worried, but you should be wary.

Just a couple of weeks ago, my company held a 3-day conference in Sydney. Fun fun fun. When you have everyone sitting around the table in the same room, you can be sure your word will be under scrutiny and under the watchful eye of many.

In the opening and introduction, no surprise, what took centre stage was the business outlook in the next 12 months. There were words of wisdom and words of encouragement coming out of my CEO. Overall, he was very blunt and much direct to the point about our situation, foreseeable.

What situation? The talk of merger had been going on for a while. Finally, we were given a green light by ACCC (Australian Competition and Consumer Commission) right on the open day of our conference. The timing couldn’t have been more suitable.

No sugar-coating that kind of stuff we wanted from our CEO, just facts we were interested in. No disappointments. He delivered just that. One thing that’s stuck in my head since and left me with something to chew on was – Beware, uncertainty ahead. Speaking of uncertainty, coincidentally, the night before I went publishing a post on my blog entitled Next Stop, The Unknown (https://tsaited.com/2019/08/22/next-stop-the-unknown/). Could I have seen the sign already? Go check it out if you’ve got 3 to 5 minutes.

To be told business as usual is just cold comfort. It’s a quick tactic to buy time and perhaps some stability in the current climate. People don’t need to hear happy talk or sweet talk, they prefer facts. Truth will out. If there’ll be challenges coming their way, be honest, tell them so. People would appreciate it more. The last thing they want to deal with is anything that may later turn out as a big surprise. No one likes to be misled.

Ironically, there’s nothing usual about business as usual. It’s a dog eat dog world. In any competition, there’ll be winners and losers. Our best bet is to increase our chances for success. Even though we have little control over the future, we love clinging to the outcome that’s human nature. The undeniable yet uncomfortable truth is only time will tell, not a fortunate teller. No need to be overly optimistic or pessimistic about the unknown. As pointed out by the guest speaker who came to talk to us about resilience on the last day of the conference, it doesn’t matter whether you’re a glass half full person or half empty person, the more important thing is make sure the glass is refillable…

Live In The Moment Without Distractions

We capture various moments in life through lenses, then curate and edit them to look beautiful and flawless. Bingo! The job is done. A final version is ready. We can’t wait to showcase it to the world.

While we focus on documenting our latest movements in every step of the way, have we forgotten to live it instead? Now distractions are just about everywhere. People affected by it are on the rise. Many experts have said that social media is often to blame. But if we’re honest with ourselves, that’s just a scapegoat, it’s us made it that way.

When was the last time you ever sat down and had a proper meal without bowing to any other stimuli? Can you remember? Or does it feel like a distant memory already?

A couple of days ago I had a business lunch with a group of four associates in a nearby 5-star hotel. It was organised a month beforehand by the hotel’s Director of Sales and Marketing to show appreciation for my on-going support. Being invited to an event like this, I was very much looking forward to it.

We met up in the lobby first, then were taken to one of the reserved tables in the restaurant upstairs. When we got there, they kindly offered me to sit at the head of the table. I gratefully accepted it.

The waiter who came to serve us was gentle and polite. He pulled my chair out and let me sit comfortably. From that moment on, I felt like I was treated like a VIP. You don’t call it a 5 star hotel for nothing.

After we all sat down, I put my phone down on one side of the table roughly one elbow away from my eyesight. I think I was the only guy who had the phone in sight. All others had their phones tucked away somewhere.

At all times we were totally engaged in the conversation. None of us were distracted by other things around us except when the bright sunlight was streaming through the windows, hurting one of the guests’ eyes, only then we had to stop and ask the waiter to adjust the blinds to bring them down. Other than that, we were 100% present in our interaction.

Later when the waiter brought me the entrée and the main course I’d ordered, I was so impressed with the presentation. They looked too good to eat! No, wasn’t me. I’m not one of those Facebook users who’d be quick to reach for their phone and take a few photos. None of us was tempted. We just left our phones alone and carried on our talks and simply enjoyed the food. Must say it tasted very delicious. Just what I needed.

It was amazing how nearly 2 hours of lunch went by just like that. As they say, time flies when you’re having fun. Needless to say, I loved every minute of it, didn’t want it to stop. But hey some of us had to go back to work…

Who Do You Think You Are?

There’s only one race, it’s called human race.

I still remember this powerful line from a community ad in Australia. It came right at the time when a newly elected parliament member was out to get some publicity. In her maiden speech, it was nothing but provoking an anti immigration sentiment, xenophobia and fears of foreign invasions. No surprise, one particular racial group – Asian was targeted. Yes, the media loved her and gave a plenty of coverage about her whereabouts. We saw the nation split between for and against groups but overall those who held an extreme view were never a majority.

True, Australia has long been known as a racist country due to its history of White Australia Policy. But that’s a thing of the past. Which country in the world doesn’t go on a day without carrying a dark past? Australia has moved on all because it did something to heal the past – including having anti discrimination act made into law and saying sorry to the stolen generations. Without these brave moves, the old wounds would’ve remained wide open and got passed down to the next generation and after.

Weeks ago a friend and I had a heated yet healthy debate over the issue of identity. Who am I? Not the stereotype most people think I am racially, ethnically or culturally. The thing is I don’t put myself into a particular basket or a specific category then act accordingly. I see myself as a global citizen. That’s all. I’m not a guy who lets other things like my backgrounds such as where I was born or where I grew up define my identity.

Who Do You Think You Are?

The Aussie series of “Who do you think you are?” were first aired 4 years ago on channel SBS. After watching a few episodes, it left me with a big question mark. I couldn’t help but wondered: Where did my ancestors come from?

So curious that I called my mum one night to find out more. We had a heartfelt conversation about my past, her generation and my grandparents’. Together I got some questions answered. It was nice to bring those things to light. Now I have a better understanding of my family tree and what’s in my blood. Again, my heritage is something I’m proud of but it’s not something that defines me.

Interestingly, a simple quest for my ancestors that night also got my dad talking about his past. From memories, never once had I seen my dad talking to his father (my grandfather). I don’t know what had happened between them two. Somehow, finding my roots also served as a long-awaited process for healing the past…

Next Stop, The Unknown

Do you must know? Do you must have the answers to those questions, right here right now?

It’s a big ask, isn’t it?

Let’s face it. It’s not the future’s fault. It’s just doing its job – to be unknown. Stop bothering the future, leave it alone, leave it where it is. Take a small step one second, one minute, one hour and one day at a time, instead.

There you go. You get your hands dirty, you plant the crops to the best of your ability. You time well, you give your 100%, you do whatever humanly can. You have a wealth of knowledge and skills in the field. Still, there’s no guarantee. The rest is up to Mother Nature or Father Nature or whatever greater than you. You’re at her/his mercy in all sorts of conditions. You remain optimistic under any circumstances, hope for a bumper harvest in the coming season but you have NO say, NO control over the final outcome.

What on earth am I mentioning about growing crops here?

I still remember those job seeking days. When I was very unsure, farmers/growers are the group of people whom I drew inspirations from for dealing with my own uncertainty and insecurity. You just get up, live through the unknown, find a better way and try again. It was this mindset that helped me get through those tough times.

That was then in early 2013. I was at the career crossroads and in the midst of midlife crisis. The only thing that was known to me when I woke up every morning was nothing but the unknown. Then later I realised whatever I want to know about tomorrow, time will tell in a matter of 24 hours. It’s today that takes us there into tomorrow, the future. Isn’t it about time to give credit to today it so well deserves?

No matter what the future holds, I already have this experience under my belt. That’s all I know and that’s enough for me to know…

Fake It Won’t Make You Make It

Success looks like a high-end commodity. Everyone wants to have a piece of it. It’s up for grabs if you do the work required. So, what does it take to get there? Well, they say fake it till you make it. Is there such a thing?

Surely, no one likes to be called a fake. We can copy success but to fake success? It’s a No for me.

We know what’s behind a prestigious brand. The name says it all – world class craftsmanship that is second to none and of course an expensive price tag! If you can afford to buy a luxury item from their collection, you get what you pay for – quality plus a fancy label. As for fake stuff? You won’t go anywhere near it. It goes against everything you believe in – authenticity – the real, genuine, right stuff.

Back in November 2017 when I started my blogging journey as a first timer, I was super excited about my newfound identity. So much so I went to update my Facebook profile to say that I’m a blogger and a writer. Excitement aside, I must admit there was a bit of discomfort that came with it. Why? I didn’t believe I’d done enough to live up to the name. My self-proclaimed title felt more like a fantasy than a reality. While writing had never been a stranger to me, my harshest critic (aka myself) wasn’t so kind: Work at it, you aren’t there yet. I agreed. What’s the point of telling the world when you have nothing to brag about? A few days later I decided to take it down and leave it where it was before – a blank space.

Some 16 months in the making…

After having published several posts on my blog, I thought I had something to rave about my work, so I went back to update my Facebook profile again. Contrary to last time, this time I felt more in tune with the new identity – it has an actual substance in it.

These days anyone can call themselves anything they like, I’m an expert in this field or in that field. The thing is if you don’t have evidence to back it up, it’ll fall short very quickly. The notion of fake it till you make it may seem like a well-founded argument on the outside but once we unpack it, we’ll see there’s a hole in it.

Be a runner of your life…

An ex colleague of mine is a marathon runner. He doesn’t call himself one for nothing. He’s done hours of training and run several marathons here and abroad. It’s not always a fun game to play. There’s plenty of sweat. If you don’t have mental and physical toughness, don’t ever think about it. When the camera is rolling, all eyes are on who’s going to cross the finishing line first, you can’t simply fake it to make it.

If you want to know who a real runner is and who isn’t, just check the soles of his/her shoes. A pair of shoes that have been worn and run over hundreds of miles leaves a trace and evidence. You can’t erase it, you can’t fake it. No one can take away from it.

In life, we each run our own race. For me, being a mediocrity isn’t a problem. I see it as part of the process. It’s like a mid-point to success. Remember, if our paths cross or you see me half way, please say hi…

Have No Time To Write? Think Small!

Have no time to write? Me too. Somehow, I doubled/tripled my output in July.

We all strive to have it all, live a rich, meaningful life, but in the process, certain obligations can take hold and become high priorities, as such we usually end up putting our dreams aside, leaving ourselves with no time to do those things that are equally fulfilling and rewarding. Funnily enough, we even consider them as a guilty pleasure.

When can time be finally on our side?

Lots of us have a full-time work commitment and/or a family commitment or a study commitment. Everyone is time-poor these days, who’s got a whole big block of time that can be set aside for writing or anything else?

Perhaps it’s a question of over commitment or maybe a lack of time management in our ability? But all I know for sure is if at the end of day, I haven’t done at least one thing I enjoy doing, it’d mean that day has been wasted. Of course, it may sound a bit exaggeration. After all, from a physics’ point of view, energy is created and transformed (but not “wasted”) to somewhere. It’s true even when we’re stationary. The challenge is where do we put energy to good use to, so it’ll serve us?

For me, it’s writing.

Having written 9 posts in a month is my new record. From the very beginning, I didn’t set out to achieve anything, nor did I have a number in mind, I just wanted to write as often as possible, whenever and wherever I could. Then just let the results speak for themselves.

So there I was in July. I wrote when I was standing, I wrote when I was sitting, while on the bus, during my lunch break, after work hours, at home between house chores. Even at times when I didn’t have a smart phone with me (like when I was in the bathroom), I still stayed relatively active in writing in my head. Word by word, paragraph by paragraph, little did I know, a post was then born out of a blank page. It was a great feeling.

Much has been said about work life balance. For me, it’s all about compromising and sacrificing. To inject writing into my already busy schedules requires a bit learning – how to make the most of my free time. Got only 5 or 10 minutes in between? Not a problem! It’s a matter of setting up smaller blocks of time here and there, then allocating writing to each time slot as you go along – So useful and practical, it’s set a good precedent for my writing ritual to continue this way going forward.

Enough said. Just crunch the numbers!

Amazingly, on any given day, on average I’ll have spare 2 to 3 hours to do just that – something I wouldn’t have thought possible. It’s quite astonishing to watch how little things can add up quickly to become a giant if done consistently and systematically, which has led me to think that if I could do it with writing, what else on the horizon can I also achieve?

Watch this blank space…

Is Silence Our Ally Or Enemy?

Are you not on speaking terms with anyone? And? How long has this Cold War been going on for? Any hope that it’ll end soon? While you’re still in the midst of it, who’s suffering from it?

Chances are we’ve all done it before. I guess we’re all guilty of it too. Like it or not, sometimes we can get a bit passive aggressive in our behaviour – whether it’s in a verbal or non-verbal form.

Our interactions with other fellow human beings are as complicated as ever. Parents, partners, friends, relatives, bosses, co-workers, customers or strangers etc, we don’t always agree with them, neither do they with us. Conflict does occur from time to time. Even to our best effort and ability, some people simply don’t (want to) change. Well, to be fair, they may think the same about us, too. So, what do we do? Silence?

Before I go on. Shhh… Please stay quiet! Silence in progress!

Silence is like a secret weapon. Perhaps it’s our last resort! It’s subtle yet overt. We use it to teach people a lesson. But has anyone learned from it? Is it serving anyone?

With no words exchanged, what does it leave with us? It may seem peaceful on the outside but on the inside, it may not be as simple as the outside appears to be, the storm is wreaking havoc on us. Are we really getting things resolved by an act of pure silence?

In fact, silence is another form of communication. At its core, it’s manipulative. To state the obvious, deep down, we want to control the outcome, except this time round we do it from a different standpoint – we watch from the sidelines. We care but act like we don’t care. We don’t talk but we do lots of mind reading.

Is it true that silence is golden? Some practice silence like a virtue we should worship and follow. For me, silence has always got some negative connotation to it.

Here’s a bizarre case of silence I’d like to share with you. It dates back to 2003 when I was joining in a new team. I remember that morning my manager took me aside and said: Ted, don’t take it personally if Charlie doesn’t want to talk to you. Looking slightly confused, my instant reaction was: Are you serious? Really? Why is he like that?

So yes, in the office open space, Charlie sat merely a metre away from me. He’d refused to talk to me about anything since day one: no morning or afternoon greetings, no work stuff discussions, not acknowledging my existence, just nothing. Zero, none.

The situation continued like this for the next 2 years. It was awkward, uncomfortable to be there. The silence slowly worked its way to erode my confidence and affect me to the point that I felt like:

  • I was just an outsider
  • I was just a number
  • I was just part of the furniture
  • I didn’t fit in or belong

Then what? One day out of blue, like magic, over a team member’s farewell dinner, he pulled his chair closer to mine and started talking to me as if he’d known me for years – I’d been so used to his silence treatment that a token of his new gesture like this really took me by surprise. I literally had to look left and right and make sure he was talking to no one else but me. I was left feeling speechless and joyful, but at the same puzzled… I wondered why he suddenly decided to break his silence and connect with me. Perhaps I’d passed his character test?

The next day I went to tell my manager about it. He was very happy for me but sounded a bit sarcastic in his reply. He said: Well done Ted. Congratulations! It took me a bit longer. 3 years!

The moral of the story? Silence doesn’t build bridges, it burns bridges.

Don’t get me wrong about silence. A temporary silence such as doing meditation or just having a quiet moment alone can give us a leverage to gain clarity and calmness inside. But the long-standing silence that’s deliberately plotted and done in such a way over an extended period, with a hidden agenda, may prove to be more disastrous and counter-productive than helpful.

As you can see, when it comes to silence, there’s so much to explore – its depth, its causes and effects. I can’t be silent on the topic of silence. Very ironic!

Overall, silence does play a part in our lives. It’s not going away, nor can we escape from it. To capitalise on its impacts, it really depends on our intentions. With bad intentions, silence is like the clam before the storm, its detrimental side effects may not be apparent at first but can later make things go from bad to worse, worse to the worst. With good intentions, silence can buy us time and space, pave a way to better understanding ourselves and others, create a win-win situation for both sides.

If silence is your department, what does your silence “say” about you?

A Confession Of A Gatekeeper

Gone are the days when businesses could afford to sit and wait for customers to arrive at their doorstep and buy their stuff. These days you need to go out there and get them. If an opportunity doesn’t present itself sooner enough, what do you to? You go and create one yourself.

Don’t expect it to be an easy ride. Why not? There’re many good sales people around, and they all want the same thing – a big piece of the pie, more customers and more profits. If you’re a sales person, you may think you have a brilliant idea, fantastic products and services. And next? How do you stand out from the crowd? How do you find your customers?

If advertising and marketing campaigns don’t do you justice, you may want to try out something more direct and proactive – cold calling (telemarketing) or door knocking (door-to-door sales). That’s not a bad idea. But, beware! What you’ll likely face is a big Great Wall of China in front of you – gatekeepers! Who are they? They can be someone who answers your phone call or the door first. You surely want to please these people and make good lasting impressions when you turn up abruptly; however, you don’t want to appear too eager or desperate in your approach, or you’ll scare them off and end up having your call hung up or the door slammed right in your face. All in all, you are a sale person but you don’t want to sound like a sales person too much, or your sales pitch will soon fall on deaf ears, be forgotten in no time.

In my day job, I get to wear different hats. On any given day, I’m one of those gatekeepers who screens unsolicited phone calls and strangers/visitors in the office. My position as office manager is to decide who gets the opportunities and who doesn’t. It’s not all fun and games but someone has to do it.

It’s no surprise that over the years the number of offers I’ve turned down outweighs the number of offers I’ve accepted. After all I’m here to protect my company interest. Not all invitations are welcome unfortunately. From my perspectives, those who didn’t get the nod from me were someone who:

  • Were very ambiguous about the nature of the call when asked.
  • Called from overseas and weren’t familiar with our industry or geography.
  • Didn’t introduce themselves properly, their name, the company they were representing.
  • Were very persistent and overbearing in their approach, didn’t take No for an answer. Even sounded rude or behaved aggressively when I said I’m not interested.
  • Products and services weren’t relevant to our industry or suited our needs at that time.

On a positive note, one person that got the nod from me was a sales executive from an office supplies company. Here’s the reason why:

  • He was polite and professional to deal with. On his first visit, he took time to explain his products and services well and how they could save us time and money. Before I closed the door, he left me with their product catalogue and his business card for the future reference. I remember I said No to him on two occasions. But on his third visit, it also came a time when I was sick and tired of getting office supplies (including reams of copy paper) myself from downstairs, so I decided to give him a try and order online. Since then, he’d come back visiting me in person, bringing along their new product catalogues or some free samples to try. It wasn’t always about business, sometimes we’d just have a quick catch up over coffee talking about life in general. He not only won my business but also friendship.

There you go, a confession of a gatekeeper – no more Mr Nice guy or Yes man. At the end of the day, it’s all about knowing what makes gatekeepers tick, before you have a chance to get your foot in the door. Agree?

Good luck!

My Quick Guide To Paying Off Mortgage Years Faster

You love money, who doesn’t?! but how do you make money love you back? Money money must be funny? Well, only when you have enough to live by. When you don’t, it’s not so much a laughing matter. Money, love it or hate it, we still work for it, none of us wants to live a day without it. Almost everything we do depends on it. Even charities need money to run and do their good deeds.

Is money a devil or an angel? Maybe both? Money may have two faces but money itself isn’t a problem. It’s our money habits that determine whether money will work for us or against us.

The concept of one dollar saved is one dollar earned still rings true for me to this date. It’s old school like a grandma’s advice but it’s stood the test of time and proved to be a steady way to getting money in shape. In my experience, it’s helped me get through those tough days when I was a bit low in cash.

What do you do with your money? If buying a home is on the cards, you can be sure that it’ll be one of the biggest investments you’ll ever have in your life. Unless you’re self-funded, that is, using your own money, otherwise it’s a whole new board game waiting for you to play. And? You want to play to win!

Buying a home isn’t for the fainthearted. The first challenge most new home buyers face is to save enough funds for a deposit. To achieve that, it means the spending habits will need to be modified, if their finance isn’t already in good shape. Of course, you don’t want to squeeze yourself too much or it’ll feel like you’re suffocating. When it comes to money savings, a little goes a long way. It’s doable even if you’re someone who gets regular pay cheque every fortnight/month, with no other source of income. Start saving today and you’ll see your money tree grow bigger beyond your imagination. I’d say a realistic time frame to give yourself is 2 to 5 years if you’re a newcomer.

So, what are things you can save on? Try small things first and bigger ones later.

  • Coffees: If you buy coffees 5 times a week, try to reduce it to 2 or 3 times a week.
  • Grocery Shopping: Buy in bulk and put those essential items in your trolley only when they’re on special.
  • Transport: If getting off the bus one stop earlier means you can save $1.00 each time. Do it. It’ll make a great work out. Win win!

To get more serious about savings, the following 3 saving tips aren’t negotiable:

  • Eating out: Cutting down on restaurant bills and do more home cooking. Cheap and cheerful.
  • Holidays: Take day trips in your city that don’t require overnight accommodation. I’ve always preferred my own pillows.
  • Entertainment: Do those fun and free activities instead of those that require you to spend money on. I’m not sure if the best things in life are free, but the funniest things definitely are.

Once you’ve got your hard-earned money saved up for a deposit (ideally 20%), it’s important to talk to a reputable home mortgage provider first (personally, I’m conservative, I prefer banks) to see how much you can borrow from there, before you begin your home hunt. That way, it’ll give you a good idea of what the house price range you can afford to buy. It’ll also give you a quick snapshot of what repayments would look like should you decide to take up the loan.

When you got your mortgage account set up, congrats! All the paper work and nitty gritty stuff is behind you. What you’ll see in your first bank statement for the first time is tonnes of money, a big number – in negative! Welcome! You’ve signed your life away! Mortgage, it’s daunting to just look at it, let alone paying it off. Have I scared you off already?

In Australia, the average loan size is $384,700.00 in 2018 according to the Australian Bureau of Statistics (ABS). That’s one hell of a debt to carry. The number is even bigger in Sydney, $462,100 to be precise. Imagine, you’ll have it on your shoulders for the next 25 years or 30 years. How old will you be when you finally get it down to zero? If not careful with money, you’ll soon feel stuck in a rut and be miserable for a long time.

The bottom line is you want to get out of debt as quickly as you can. Let your income work harder for you by having it in an offset account to reduce the loan interest. Beware! Not everyone wants you to be debt free sooner, especially your bank. Our love-hate relationship with banks is here to stay. On one hand, they lend you money so you can buy a home, on the other, they have an eye on their self-interest – interest on your loan, so to speak. When it comes to money, it’s very point-blank, very much black and white (or red). Either you have it or you don’t. If you do, sweet! Be my guest. If you don’t, you’re a stranger, they don’t want to know you. Simple as that.

So, here it is. My Quick Guide To Paying Off Home Mortgage Years Faster. Sounds fancy! I know it’s a bit basic and raw… Huh? Have I just heard someone say… Who do you think you are Ted?! What makes you qualified to speak on this topic? Hmmm… Not bragging here but I’ve followed own advice and paid off my mortgage in 13 years as opposed to 30 years – the life of the loan. That’s 17 years faster! I guess I must’ve done something right, right?

Please also check out my previous blog post: https://tsaited.com/2018/10/29/say-bye-bye-to-mortgage-years-earlier/

I hope you’ll find it helpful.