Letters From The Hart January 2020

by Tim Hart | Jan 1, 2020 3:12:00 PM

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I've never been a New Year's resolutions guy. In fact, I'd say I'm anti-New Year's resolutions. Don't get me wrong, if you're the kind of person who makes New Year’s resolutions every year and really knocks them out of the park, then I applaud you. That's impressive self-discipline. Most of us, myself included, fall on the opposite side of the resolution spectrum.

This time of year, you've probably heard all about how New Year's resolutions fail. There are a lot of theories about why this happens. Personally, I think the reason so many New Year's resolutions fail is because we tie these goals to the arbitrary human date of Jan. 1. We've given New Year's Day some magic power as if we're more likely to be successful if ... CONTINUE READING


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Born and raised in Southwest Florida, I have been in the Mortgage business since 2001 I'm a grizzly, battle tested mortgage veteran. I am also the Host of Rates & Reels, which is the most popular fishing show in Southwest Florida, hosted by a guy named Tim. In my spare time I love spending time with my family, coaching baseball, and anything else my kids or wife want me to do. I would be happy to help you or someone you know with any of your Mortgage needs.

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