WhyWeWork BrianVee
WhyWeWork BrianVee

Episode 19 · 1 year ago

#15 Clayton Fraser The Financial and Motivational Advisor

ABOUT THIS EPISODE

Clayton Fraser is a humble financial advisor who has created a Youtube Channel where he motivates people to carry on well in life.    

Facebook - https://www.facebook.com/mclayton.fra... 

Youtube - https://www.youtube.com/channel/UCWHv... 

Email - claytonfraser@hotmail.com

Welcome to why we work with your hostin Brian VI as he speaks to people like you from all over the world, as wetogether dive deeper into our motivations struggles, joys, seeminglymissteps warnings and advice, which will be anencouragement to us all to get get going and keep on working working, ws good! Now, here's your ousn to whywe were L, drinings INB, why we wor, and I have a great leasure ifintroducing to you Clayton Fraser good day, fine, sir good day, sir, I appreciate I just ad a moment ago. Iappreciate you coming on here, and this is the second time now I met someone onLingtoln and had the opportunity, as now havingthe opportunity to interview them. What can you give us a little backgroundabout yourself with in terms of work and maybe even without saying what you're doing now?What's your purpose with Lintoln, Okay Um? Well, I do have a businessbackground. I went throgh SMU, say marriae o university and gotthe pretty piece of paper, and I've always worked in business over theyears. Madea different companies, Wuth supervisornet and now I got a couple ofdifferent things: I' go basically on my own self employed, which I love. Idon't like working m in the boss and Linkon I just tryed to meet people tryto grow one of my businesses truly or one of my passions, Tor Lington, Ishould say it's hot business yet and I'm just learning meeting people andhaving some fun with it Clayton. When did you start workingbefore your university mew career and learning about the blue, Jays and stuff?When what what was your first job Dyouwell, I hadmany different jobs growing up in Cape Briton Um, I done paper road. I done that so wormsat your first job w. What was your first job first jobly forrel j tobwould have been working on our vegetable, firm Hen, whatwhat led you to go there. Whatled you to Jos Tory Catn, I'm hering a little Um um feedback there yeah it's alittle in a lag tie. I say: Is that do you have um? Maybe it's your audio going out thancoming back in of your speakers. Maybe that Kindo happens sometimes yeah, I'mnot sorter is a little bit of a leg. Okay, we'R wwe'll keep going nowers. Sohow did you get into the vegetable business or in the farming business? Iwas fifteen years old, looking for a job and the guy said, he'd Giv me a couple days,platin cabbage- and I guess fortunately, or unfortunately, I worked very hardand I ended up working there for three summers with Hem. What made you get that job initiallyLikez wha got he ed of the door. I was just looking for something like me tomake some more money that was basic. Od We've been motivated by trying to makemoney. When I was younger right, I wanted to buy a car and that at fifteen, before you can getyour license, you said I I'm going to get a C and there wasn't many jobs inCape Reton so had to take what was available Yep. So what did that lead to to threesummers of doing that? Well, it didn't lead anything like thatwent into in the future, but now n...

...almost no matter what job I do. I lookback and I say well, it could be always worse. It was never as hard as it wasworking on atfirm. Like I mean Yourt, you are actually killing the ground and y. We were playing invencetables, Watand vegetables pick and vengetables picking rocks just at everything doing it was jisheard physical labor and it taught me alive how to work herd. So after those first three years, whatdid you do next h? I W? U Hor. Did you have another job?On the side too? I no. I I was started at university, an then I leftuniversity and then o started working at a gas station, a pumping gas, and Iworked my way up to a system aager there, which what did you take? Youwent to smute. Did you say that's what you just got into lat Mary's? What did you take and sayMarys University? In NOVOS CAACCOTIA? I took my Bachelorf Commerce madtormarketing amagement. I did take a couple of years off between first andsecond year. Wa See me too. What am I doing? You know I I got into this. What am Idoing, and I don't think the plan was to go back? I just happened to be oneor two years in between. I know exactly what you mean. Why did you get into business? I meanso you're from I mean l from the accent you're from Cape Breton. Yes, all myfamily's from Keep Breton Yi'm from a place called Little Berdor and CapeReton, and I just always like business like when I was younger. I was alwaysselling something or trying to figure out how Tho sells up and to make money,and I always like the fact that one to work for myself is the biggest thing,and basically so was it. What I like to do is try to get thecore of the thing. So was it I want to be rich or I know,there's a value in money and that's going to allow me to do things. Whatwhat was your idea of trying to make money? What was the purpose you knowfrom fifteen sixty e up to high school, so you say you always wanted to dosomething. Therefore, you took business. So what was the the idea of the dollarthat intrigued you? Well? I grew up. My parents never had a lot of money, butmy father worked very, very hrhrd as mechanic and I seen like how hard heworked, but then I seen what the boss has had and I'm thinking well I' sonher be theone running the business, making the money with other people working. So Iwent into business that way, but then I found out, I really don't like the dayto day mangement of people. So now I just like worked for my top,but when I started I just always like that fact of people come to me. Askin me questions.I like Makn, more money as a mainturn, and I I like being able to have themoney go and bluy myself, since my parents couldn't give it to me, and so when you went yea go ahead, no,you go ahead, Dokio. So when you decide to get off theisland and go to the big city to go touniversity, was it you? You had a one way: bus ticket I mean. Usually someonegot yah little bus. Get out off the bus, withno one way, ticket or ore, I'mgoing to come back and I'm going to start a business or something well. Theinitial one was I was going to come back. I started SME when ninety fivecame up for a year. Didn't quite do as well as I should have done, and I went back to Cape Reton andactually went to UCCB for a couple of months or CBU now and then decided. Icoudn't want to go to school, so I nok O. I started getworking at the gasationimberdor working way up to the system anger, but I still want it more. Sothen I done some door to doorsails with...

...electroluxs sellim back didn't Yo,which was fun. I've learned a lot of good skills yeah. You can learn lots ofthingh and I liked a lot of O, but it heard to sell a thousand dollar RackandClenger Cape Reken when the business wasn't going good, but after threeyears is struggling at the grage and not being able to get any newopportunities and all that in Cape Brenton. I decided to come back to saitMary's and I didn't come back in ninety nine two thousand and I did go back toCape Raton for that summer. But then, after Ta Liy decided to stay in Healfaxand I've been in Healfax now twenty yeatrs. So after you graduated, did you seethat pursuied of happiness? By chance? Oh my favorite mom, I mean I probaby give the idea ofselling the electurat locks, which is a vacuum cleaner, Wen him going around town like I got.Etei can do and th the drive and the determination like I'm going to sellthis and and that's what it takes to do, some of those jobs. I mean many of thejobs real the determination to go through it so after university. Whatwhat? What were you going to do? Well, Beon?A? I was looking for a job you're only young though then teyou're just twenty,a twenty. No, I two twenty three twenty six. When I graduated ECAUSE, I betalkd for three years, oft Ye Yep Yeh and I was hoping to get into a job ofmarketing 'cause. I really like promoting products talking to peopleand Al that, but it just didn't quite work. I thatway I was G at the time I was working Um. Oh at the time I was working a partdime mad costo square in the Parkade, and I was working part time at theliquor store. But I got passed over at the liquor store for a promotion, and Ikindaf got tired of that. And then I started with Um a finance company intwo thousand and four, which is basically I'm an independentrepresentative. So you're your own business and I really enjoyed it, butit wasn't enough to keep me going. So I worked ot a few years that in theparcade a few years part time full time. You know back and forth, and then Iwent into a managed, a gas station and I was still doing the finance companyParkti. But after a while I've realized, I didn't like manging in someone else'sbusiness because they control all the strings and pay you very little MHM.Then I went work in e security security, its coast tospare for a few years,while I was still working h, part time with the Fiance Company andworked my way up to supervise Hor with security, which was good, was a goodjob. You work, Chaff Work so had Lod time off to build my finance business,but then I still got tired of that. So I went and made Salvas Aamy thirsstore stor and worked the finance company parttime, and then I just gottired of working for other people, so that then I decided t went full timewith the Finance Company and I'm sole, that's one, my main besinessis right,nows working for myself, wher the finance got me, and so before we getinto your finance company position. What was this struggle in? In yourtimes of you know, try do this, try something else, you're realizing somethings along the way. What what are some key takeaways that you took fromthat bulk of experience even from m a young age, but you know trying todevelop, get some traction for a career. What what did you learn and 'cause? Youobviously didn't give up. I learned a Lon Suff. I learnt a lot ofboo dealing with people and th. I learnt a lot when you were runningsomeone else's business. Sometimes it...

...doesn't matter how hard you work. You might not get the promotion, ontand you're always asking someone else before raise there as someone watchingwhat you're doing and I'm not saying that's the bad thing, I just didn't,enjoy it as much and I failed a lot of times. I was babysitting someone else'sbusiness because allowe o the job tohead. You were hiring younger kidsthat some were great, they loved work and they were very hard. But there weresome that didn't and I just found I don't have the Patiente or a mentalityfor that, and that was the biggest thing I realized it. I really don'twantto be babysitting, someone elseis businessand you know- and I dont the managers work really hard. I think it's a greatprofession. You just have to have the right, patient's right line, sent Fordand- and you recognized you just didn't-have that EC and it wasn't bad. I wasn't hapy, it's that's insightfulyeah, it's in sightful right and some people. Don't they don't come to thatrealization and they waste a lot of years and they come to the end of theirproverbial rope and say I've had enough of everything, but they just didn'tkeep trying different things that might suit them better. So what is theposition? You're doing now h right now, I'm a REGIONA leader with a financialcompany Um, it's Independent. I work when I want Um.You know commission based, but the fact is I get to control my hours and youknow I go LFOR claints. It brings back to pursuit of happiness. I loved thatMbe Goo and see how we went after getting clients. I don't go thatintense. I just like the fact that I can build the besiness. That's going tobe mind in the future, and so what is it that you're promoting? What is ityour selling? What is it typical day? Look like Foroideal with all aspects of personal finance, so I help people with all theretirement needs most extermutal funds, RSP education, fonds teepitas. I alsodeal with Life Insurance and I also u deal with Dha consolidation so somedays I might work a lot with it. Other days I like to wear a little. It alldepends on. If I'm, the last few months was a little harderwith something 'cause. I wasn't able to oid prospecting looking for people, but I do a lot of Zom. I have been ableto do a little bit, but it's most o keep my clients happy now and trying toget referrals from them and just trying to help people I'm very passiave,helping people gettin hit. I hate t seeing people being taking the vantyjob by certain companies over there and IV ov been Gwyn and told pers how they,with money, they're S, saving they can have a very good reqirement compared tomaking very little money where they were at and another one that s very passingwith it. Most people hate life insurance. I don't like talking aboutit, but it is very powerful when you nable to shell clin how to go fromfifty thousand coverae to four hundred thousand 'cause. If someone dies inthat family they're changing their lifes- and I just like I like beingable to help people in the the company I work for is very flexible- allows meto do that Clayton. What did you think ofInsurance Life Insurance Before You got the Jab and then what you think aboutit? Now I never knew much about it. I was h twenty eight years old and I saidwell. What do I need like insurance for I'm Young I'v Got Old Mecan die anytime soon, but as I learntd it ie realized youknow like back, then I had no tim, O pliion insurance in all, but I realizelink insurance isn't for us. It's really for R loved ones, and I help mea lot that you know most people think Blake consurrencs for people that arefifty sixty seventy years old, but when...

...it reality, it's really for people likeeerage. You know people are certain families with youngfamilies that if they died, their family loves a Drinko, and when I hadmy daughter, my first daughter was really important to me that somethinghappened to me. I know she's taken care of, and now I'm a lot more passionate abildit because there is a lot of products ovr there that people are be intaking,Adantagh of and they're spending high money. So I get very passionate whenpeople they show them how they can get the best they'll take care of theirfamily 'cause I'd hate to see a love one die and their family have no money fortheir kids and then they're struggling right, so Tang mierespectof alife. So how do you and without me, puttingmy my view into it, because I think I would have I thought the exact same wayright like I? Never. What do you mean I'm not dying for a long time, I'm noteven going to die. So what do I need life? In short, that you know in theirtwenties, or you know, N, teens and stuff, but getting older in our fortiesand you're like yeah or I mean there's some wise people that were wise whentheyr their teenagers say no, I need to invest now and they're laughing now umfor what they have done b. How how difficult is is the you know it is, assalad is a business, but how difficult is this cell for the people that you'reapproaching that have that same mindset, even if they're thirty, forty fifty like in those ages that seem like areasonable age to be pursuing m? How? How do you approach a sale with someonethat doesn't see the benefit of investing for their own future? Whenyou know, when times are tough like this or for their family? How do youapproach that well, Um a lot of times, I try to proach the person more withinvestments before insurance. I I try to talk to them about theirinvestments, 'cause, who doesn't want to make more money. So so, what's the reason for that? Yes,what's what's the reason for not the in, I guess Life Insurance Verses, let'sinvest for the future. What is is this? Is this talk to you, or this is justyour own personal avenue, a littl bi, both Um. It's taught more people ill open the door for investments'cause most people have never made a life inserance Agean, hey liked,because for no Mur different reasons, a line, life insurance agents got bad ameover to yours, 'cause, there' and you're coming to talk about their death.So that's not so pleasant either. You know it's not something. Anybody wantsto talk about w when we get in. We use an educational approach. When I sitdown with a family, I look at everything and I don'tusually do business on the first meeting. Our company tries to ges notto, and I go in, and I take all information, N and I'll say well, it'sgreat that you're Gong to have money when you retire, but is there anyguarantee you're going to get there, and then I ask them. If somethinghappened to I don't I happen if your wife died orif your husband died, are you able to survive? I think withderinkom and a lotof times they'll say well? What do you mean I said? Well, they die theiincomes, God. Well they SAI. Well, I have work insurance, which is osing.One or two times or salaries I say well Ois Fifty Thousand Dollars Your YoungCo has two years old. Is that going t last until he's Aden, and then we askdm how much they would want every month how much to percent ach of theexpensers income? They would need to survive only figure on the number andwe try to show them that number and if we can't give them what they need, weat least show them something that is better nothing and we try to doinsurance as much as I talk...

...abotthinvestment we try to do insurancefirst, causeitfoundation cause noboy knows their day, a Dhat, so there's noguarantee Yeu're going to get the retirement and you can a lot of thepeople when you get in there. When you use the educational approach to explainall the work, it's a lot better than if you just went in and tried to sell themSOM, but it does do you feel, go ahead. Yeahit does. Sometimes it doesn't work, regardlessof what you told them right pro. I mean it sales right, aeverything we do most of the time. I Y A right, I mean that's the reality,that's why those big companies are everywhere and they're advertised allthe time, they're striking out all the time, but if they get the one to two tothree percent y that that's where there that's, where they're making ain mycloshing rate's a lot higher than that 'cause, I just don't sit down withthousands like they do. We just sit therit people that we know need it moreand you build a relationship, is what with the people and it urks quite good. No I'm sure Claini just from knowingyou for maybe twenty minutes that you would be able to do that. Well, likeyou would be able to do that. Well, if, if you were able to get them to openthe door then to to even for them to rememberyou and to think hey now I realize maybe I can go back to that guy, whichis why business cards and emails, and all of that is, is very important. You just end her and his part rightthere getting in the door. That is the hardest part once you're inthe door. You think of it right. Ah We're bombared we're bombarded with everything every day everyone is rightlike who do we let in our door and that's metaphorically speaking, butlike okay? Well, it's this advertisement that POPs up or thisemail or this message and the thing and and there's lots of different companies,insurance companies trying to sell as well- and I I think what do you say is I s your best asset as being an insurancesalesman, an investment? Well, what? What is your asset that you bring tothe table because you have their product right? The product is theproduct you work for. You can't change it. This is what you got. So what isyour best asset that you bring into this conversation with Ms Smith or Mier Smith? Then you bringin what is the the extra value that you bring to them? Well, one thing: Yousaid right there, its. I bring it to them a lot of my plients, I go into theirhoses and if they have young kids and all that they love that, because theydon't have to get babies intere or they don't have to do anything and I'mplexible. I do a lot of my appointments in the evening or weekend so that imable to meet their needs, but one other thing is um from the business aspect:O'm Vere lucky. I do have a pretty good memory, soon go with numbers and allthat and I'm able to give e Clin lots of information on different productsthat I'll take the time and explain it to them. Where a lot of times, if theygo into different institution, they just tell they just tell them what theyneed and sell them. I find out what they want and I think that helps a lot in ourcompany. Um uses the educational approach and I do deal with financecompanie. I deal with like ten different Finance Wealth ManagementCotles, which allows me to offer the best for the client tocatch ha mess for the business, Yep, absolutely C, being a Maritimer,and not only that being a Cape Rettner. I mean this would take some a littlebit of humility. But do you do you think 'cause you? You said somethingyou said h sit's better than nothing right, and I say I say that to my kidsall the time right, it's better than nothing 'cause. I don't know. There'scountries all over the world people...

...they h. They know that attitude, it'sbetter than nothing with that attitude. Do you think there's something to thatthat you bring also into the conversation with insurance, becauseit's it's a humility that says I'm really here to help you and I want tobring you something rather than you know some smock just trying to Selsay. Ipromise you the whole world and I'm telling you tha. This is the best, butjust from a little conversation, it seemed like you wouldn't ever reallythe temptation might be there 'cause. You like. I got a bill to you, know,pursued happ I gos and fiels. I I can't pay Rismuh. So, Ms Smith, please, thisis going to be the best thing for you like there'll, be that temptationalways, but if you could remember, maybe not your roots, it's not a badthing to be from Cape Breten, but the humility of saying what what I'moffering you is better than what you have and that's better than nothing C.Do you do recognize that about yourself having that, like being in the cabbage,firm mentality, willing to get your fingersdirty right to to grind through it and to understand? Do you recognize thatAbiyeah? It's funny. One thing you said there, but the commission thing it'sGotto make the sal to pay. When I third, I wasn't cloting as much because I wasthinking about what I would make more than the Min and now, as I getmore experience with it Ala I go in there and I look at well and plus twoWa ansornce. If a client gets inchurnce and then decides in the first couple ofmonths, they don't want it. I get a terrior lerge back. The company takesmy commission back so now, when you wointo client homes. Well, yes, theymight need something that cost a hundred dollars a month, but they canonly afford fifty well the way I look at it if they, if I try to force thathundred dollars on them, which they do read when they cthings happen, things becomea struggle and all that what's the first thing, they cancel theirelifeneturms, and then I have to pay back my commission, so I would mer seethem buy something that they can afford that they're comfortable with it mightnot be what they need. But, like I said you know, a hundred thousand is betterthan zero. They might need three hundred thousand dollars covery at least it's something, and then wecan work with them over. The future then try to get them up to where theyneed N N. I've done that with number Clints as Theyr minestyles changes,they get new jobs and all that we've added to their policy, but they stillget the rigil on that cheaper price and they weren't struggling, and I think myclients like that for me doing that for them to not pressure O yeah. I think, if you ere honest with them,not that you're not, but just like you're, honest like this is how I feelthis is what's going on in my head and my heart of how I feel what I see whatyou need, I see what you can afford. This is what I think might be a happymedium between the two, and this is my offer to you and if we can worktogether, that's great, if not here's my carge and you can contact me day ornight any other time and I'd be happy to work with you, because what I haveis better than nothing yeah right and right now. Obviously they have nothingright ortherr. It was paying too much with something o some other productwhich is not offering them, and I know, experience through experience through arelative who has promised the moon and they got some dirt compared to whatthey invested in and and that's that's hard because then at the end ofsomeone's life m people like well didn't didn't this person have someinvestments. Oh Yes, O! Then they rifle through that you know dictionary ofpaperwork and like wh. What were they signed up for right and that's andthat's the thing, so I think if you...

...open that up to them and show them, Ithink you'll. If you want to continue what is your? What is your vision? Whatis your hopwhat is your goal with the position you have. You have a longerterm ocast do what would you like to do? Well right now, I'm one step belowreginal voice. President. I did for years think I wanted to be a regionalvoice present but asmy like change and like I mentioned there before, I don'tlike the day today, training of people by like motivating and helping peopleand all that I'm goingto stay where I'm at the levelof man- and I have a few other opportunities on work. Andoni'm reallyworking hard to try to get into Um Life, coaching motivationl, speaker andcreating a U to Otain Alo motivation, and I still do some teaching with thecoain. I do. I love going up doing a presentations explaining the productsor motivating people and that's my ultimate goalis dis go help my clientsburow my cline base. Bu. I really want to get into motivateing people coachinghelping people I just I love talking. I love doing that and it's something I can bring somepassionto and hopefully I can provide a some help for some people. So this is how you and I met because itwas on Lingcoln and then you were Pyou. I saw your your post of promoting bybeing motivational speaker and helping people to get out and pursue what it isthat they would like to do. Where did that come from wh? Where does this thisidea come from it's just just as I've been doing more and morewith the co Te Piante's company like we do weekly training in y life, and Ifound as much as I love help mccolons. I also love when I'm up there trying toget the whole room of other re Rapskol. I really enjoyed it and I do a ton, aSelt, ELP, ELP motivational reading and watch a lot of videos in UST aid.That's something I'd like to do when wouys get made fun of when I wasyounger for talking so much so now y Galis to get paid to talk. Youkno me too, my ticer told me Prin. It Ato me, okay, give me a Mike Um. So what? Whatis your message, then? What is your? What is your motivational Um Angle to help and encourage people inwhat, in what field is it life just basic or is it work? What is it thatyou're aiming to Um help people with Lothe boath about two and a half? Yearsago? I Um, I was just not as happy as I should be. I was a little bit lazy,Gaining Weight, Ie B, sleeping inlat a lot and all that and I um I started a new I onfacebook and therewere some people talking about how they e e this product. They were using givemlots of energy and all that and merly motivated them. I took a chance and Istarted Um a vugmin program with it, and I really put a lot of work in thechange of my life now every morning, I'm up at six o'clock in the morning. Ihave a really good morning routine. I follow, and it's really gave me a lotmore energy, a lot more motivation to work on any one of my differentbusinesses or interests going, and it's really changed. My Life, like I'mhappier, I'm excited I'm pastat of all. My businesses are rown because of that I'm a lot. Healthier still got a littlebit W to go to lose more weight but emelone healthier and it's cre, yeahI'll use that for excuse and I've really really like the factthat by creating a good morning routine and being positive, a lot of MindsadI've been able to uh change my life and I third promote andStok my journey on facebook and I fel different people were like the commentnow net, so I thirted the utue channel...

...about a year and a half. Two years agoI work her an I stopp, an workheard STUFP, but now I just got reallydedicated B'cause people are really giving me some good comments on my chvideos and who still got a long way to g learn, but I'm having along fun with it andI'm getting People Messing Tan, saying please keep these going. I really enjoylistening to them, so I thought well. Maybe I could make it into a a sidecrer if nothing else or really fun hobby. So I got the TI 'cause work as afinancial adviser, I'm not always ELP with people, have a lot of free hoing gives me something to do with my sparetime and, and I meet some good people that helps teach me a lot of thingsthat I can learn pass on from my point, plus it's forcing me to improve myself'cause. How can I pass information long if I'm not learning, so it's just it.Jis All works together and I'm having a lot of pone with it, and it's reallyreally helping me so in the future. I'd love to be? U I love to do somemotivaton speaking. I would really love to get into a little bit more lifecoaching, I'm working on setting up programs. I have some people. I helpjust on the side for free right now, and I'd really want to get the Youtuchannel going, I'm hoping to be monetized this year, but it's all stuffI can do with my financial petition Y is my main onebut it. It helps myfinancialcompany a job so much because it's Improvin meand our company says you know it's a great big self fromperovant programwith a huge con compensation package. 'cause a better AAn come gener. I canhelp people his way. I look at it a anfodit. What would you say was the value ofwork in up until this point of the value of work through your life so farhow s? How has work brought you through the biggest thing at taught me to workhard? U No, don't be afraid to put the hours in like when I was on the FIR. Iwork fifty hours minimum a week, sometimes sixty seventy hours of hardlabor at the gas station. It was h. You know. Y worked forty five hours minimumweek, but usuall put Morin W. I was going through university. I um workedtwo jobs, the liquor store in the parkade and I usually work thirty fiveto sixty hours a week while I was going to school and I've always had two jobsO and taught me to work herd, but it also tolght me that the ones thatmaking the money, r, the ones tha work for themselves and it tought me Wat- I wanted didn't-want to do wha. I should say and really taught me to work deat. Ithink- and you know an OS alearn toward years thatwork isn't just everything a lot of times. I put a ton of hours into work,working two jobs and I just wasn't happy because all tha was working, astruggling struggl, an trying to get ahead. Now I realize you know money'simportant Utis, tnat everything I got three beautiful teenagers. You know Ilike spending a lot of time with them, and I love Te flextibility right nowthat, like Woitd CR, only my kids mart in school. The last three months I wasable to be home with them, keep someone Ian and it just. I love the idea inflexibility and also too with teenagers Um. I want to show them whe I larktdover the eart that dings don't always work ou the way you think theyare, butif Y, U put the work in, you can still get ahead and that's why I'm trying to especially with you toto,I want to show them and you put the work in you'll get the result, but youjust have to be patient. I guess it to the biggest thing. What is what is no,what is Cla? What is your message too? As I mean you...

...going door to door, you must meet allkinds of people right. I mean like if they're, notspecific people that someone has referred. You too, I mean probably mostpeople who refer you to someone tha. The people are not going to have overtproblems, rigt they're not going to send you to a person's place. ATS, justa disaster like whether it's mentally or they're home, but you've met allsorts of people. What sort of advice do you have for the people that you'rekind of meeting that you can see that their life is ind? SHAMBLES THEY wanna?You know they want to get out of the gutter. They want to start working.They might you know they maybe didn't start work ever or they haven't beenworking for a while. They didn't do it as a kid and what I'm gathering ispeople who tend to work at a younger age gain a confidence and nobilityabout themselves that they carry that forward. But not everyone does that sothey're timid, you know, and they they're less likely to take that chanceat a risk, and you going on Youtube is taking a risk. Yea Right, you're you're,exposing yourself M for everyone to critique any message bord under thatyou have under your video and someone can rip you apart, but you're, sayinghm it's okay, yeah! I want to do this to help people. So what is your messageto the Peop, especially now with krona? I think people are using this, maybe asa crutch to lean moron, so they're isolating themselves more they're, notthey're. Being they're using social distancing as a an excuse to be m antisocial. So what would be your message? What isyour message for these people? Who N from my point of view, should do? Asyou say s keep trying d keep doing and to get out there and work? What wouldbe your message for them to to start to well find their motivation? One thingis you just sai? They just have to start a lot of times. People are very afraidto start new things, and you know, unfortunately, in society today a lotof times, people think a lot of stuff is going to be handed to them and wefind t at that's not going to happen. I know, like you, said, the Cros TingWu crow. A lot of people are using that as an excuse, 'cause, our company stillrecruits a lot of people and that, even though I'm not involved in it anymore,I talk to some people that Ar and they say well, I can get just as much moneystaying home doing nothing. So a lot of people are using ads excuse with Um thegovernment benefits Aructter, but my biggest thing with people is, I saidyou can't be afraid, and you know with teenagers. I talk to them all the timeBN. Who cares what other people think and it's hard to get that cross to themand that what I said well, if I'm telling my teenagers Yo can't care whatother people think well, I gotto do the same thing. So that's why it's ner theutub channel. You know, and someone said we what, if someone makes fun yoon your table a well at least they watched yeah. I got some minute time.Wa and I got soeus. I said Yoknow, they bi hate and the lie ot like to give ee.They might go, tell a whole bunch of people out bat, Atis and they'll comeover too. I send that to people, but you know the hardestthing is when I Con the clients, homes that don't have a lot like, we don't do a lot doornocking as such we're just meeting people talking to people n O, but whenI go into coentons that don't have much o struggling and all that it's hard,sometimes because a lot of times there is nothing I can really do for them.You know they say. Well. What can you do to help me? Well, the first thingyou got to do is help yourself. You gotto get some more money, there'snothing! I can do if you don't have the money, but there is some pre freeprograms hat there. The government help offers to help. U With Education plansfor kids, I sent up a lot of them with money just from the government. I madevery little off of it barely enough to...

...cover my gas, but I do it Enwoy,because at least their kids might have a couple thousand dollars to go touniversity with so makes the parent feel a little bit better. There's a lotof programs up there with free money for people with disabilities that theydon't know Abit, and I show the client ad I educate to Mtabal and I even helpthem so that they can get the disability tax credit and get moneyback from their taxes. They help their lifestyle. We don't make anything offof it, but we shall wer cline to do that because it gives them hope andthat's the biggest thing I try to give anybody a talkto. You got Ta have hope,but- and I also tell Hem, there's only one person that can help you change,and this is thing I had struggled win for many years. There's only one personO help us change, get ahead. Anything and like it's us. You know therenobody's going to come along and just hand us our green job. We gotto go for it andit don't matter how hard your situation is. There's somebody out there worsethan has changed their realm and that's why I love of the reading 'cause you LtLearnin, but that no matter how fir you're dealn you see? U, where otherpeople were and they gotta so if they can do it, why can't we do it, and I try to really show that Hoe withmy clients and with people I meet and the same with the UTO channel, it's allabout giving people hope an motivation to make their like the best they wantto be right. It might not be number one it'd just be better an you worryyesterday, absolutely better than nothing exactlyst saying that O sa Thati, it's right better than not I'd, say it almostevery day to my kids, it's all the better than nothing well and then Ieither follow that up with it's better than a punch in the nose yeah yeah. But it's true like it's like whatelse could you get? You said that too it's it could be worse and that's whatit is. That's the fundamental part of that is, you know you know where you come fromand their perspective on life life could be worse. Life can always beworse and n. We quickly forget that you knowsome of the things we complainabout here in Nova, Scotia, there's many people in Tha world would love tohave our worst situation. It's all I just tryd to look on thepositive and h I trying to have a lot of fome with at I'm getting older. Youknow just trying to enjoy it and have fun, and if I can help somebody else-and you know if I talk to a hundred people by a health woman person, that'sgreat yeohopefully, more ye might eve considered. You may even considerbranching out on your youtube channel and putting like a province by province,Um Resource Guide for people like a resours kind in these type ofsituations. Here's where you can find resources. I never even thought right. Just you know you can havedifferent Um playlists in your youtube channeland just break it up. You know you can just break that up for a fun day likethe provinces of Canada, fund O, Remember, Omand, then just break it updifferent. You know if you're looking for university tax credits, or you know Hans or whatever it is that you werereferring to like you know about it, just to do it to break it up, and thenpeople like hey, there's a guy. He explains it like and you can do like Umscreen cast or what? What whatever you call it in going to the website andshowing people where to go, how to find it 'cause a lot of people as you're,saying you're, going into people's homes that are in pretty rough situations, sofor some people to be in as rough situations as they are being so new andtechnology. We, like you and I were in, I went to university in Ninety six andyou went ninety five. Was it a so at the same time? And that'sthat's when computers just kind o started taking on so if anyone's olderthan us they're, you know you- and I...

...are probably it's just on that tha, the wave of ofbeing being with it and anyone older or someone who didn't care much about it.Just to get on a computer is, is it makes them anxious? You know they mightbe able to. I don't know what someone might do go to outube. They can go toUTO yeah right. They cangoto you to but to go, say we'll find the form that'son this paged in the dropdown menu, then you're speaking a differentlanguage to them and that's fine. They can do a whole bunch of things that wecan't do. But for you with, you know, especially your your mannerisms, yourmariatime Um um attitude in a good way, a goodattitude and say looking here. If you're looking for th, then I don'twant to throw you down a rabbit hole and it be for not, but you could dothat quite easily and you can have like just a resource page as long as itdoesn't conflict with your your insurance company. Some of it beallowed in some compliance would get itis pretty heaviour compliancancedepartment. That's why I have mentioned henew accompany or anything a laytens apartment is going HIG, butI'm N Looking Tat, Tis Researches, like resources, people can look up. You knowGovernmor apointats 'cause, a lot of people, don't know, there's evengovernment men stuff in there and I and you an goad idea. You even mentioned, like Salvation Army,like just things like places, to go, find food places to go, find clothingplaces to go, find whatever you need, and I love that I sei' AOL place. Iapprecat a job for that you're, going to help me I', never expecte Gat anyidea like Thaty Hey. No, it's not one percent nobutthat's! That's how it works right,like just providing resources and being honest that this is. This is how yousupport yourself. By doing these things and in turn it brings some value to thepeople who who watch and listen to you, and I think you, you have a tenderheart you're a teddy bear. I think that has the ability to n we're not perfect,I'm sure we have people that knows it Oclang. He hes, you know, ask BIHEanybody. I know thatright. I asked that, but you you could you could stretchthat out. However, you wanted to and even if it didn't become profitable. Asyou said, it's something you're passiote, it's a passion that you enjoydoing in the back of ER, mind we're like yeah. It would be nice, though, ifhe can make some money from it, yeah of course, but as you you work it out.Someone won't you know it's the idea of having one person enjoy it or getsomething from it and that if that puts someone on their feet really that makes it worth it. It makes itworth it exactly. You know the way. I look at now it's more looking for winwind solutions. If they wait a I winwell, that's great,you know, but it's more looking for that wind. How can I help somebody andif it helps me, you know all the better if it doesn't help me as long as ithelps him and just Hav'n fun Glayton? How can people reach you, soyou mention your Youtube Channel, so how? If, if someone's looking to go onthere, whether they're from they want to know about your your speaking andand motivational speeches or some resources that they can find in, maybesomeone will contact you and say hey. Can you find this for me? You know, ormaybe they have an idea as well. Where can people find you IAM on t spok a lot,a Clayton Frazer just near My name, ONS book and my utub channel is still myname Clayton Frasier and Tha I'm working on the next year, so I'l haveno website for the motivation. Speaking and all that I just want to get ou anddo w I'm doing offer. I was offering some free stoff around here just to getI going and that I haven't not that...

...fully set up yet I did try to send it up too early and,like you said, I'm not the most technical yet so I'm still learning alot of that stuff. But the easiest way to read to me is, or facebook or outube, it's Clayton Fraser, it's under or even sendeg an email, tike frazerand Hotmail dotcom, Um um, or if you google, my name it shouldpop up quite a bit. I've been P theere using the Internet quite a bit and itdoes pop up and I' love to hear for any year. LISTERS 'cause. This has been alot of fun. Thanks Forin. I really enjoyed this. No, I appreciate it too. Actually Um. Where do you get so all of your workand you're a hard working man? There's no there's no doubt about it right and it's it t seems like you're, H, you'rehumbly doing so too you're doing it you're trying to find your way. I meanwhen you said the electric locks, I thought: Will Smith and pursut ohappiness and that's a grind right day in and day out, and you do it with asmile on your face, even though maybe feeling a little discouraged on theinside? How what do you do in your rest? How do you? How do you rest from yourwork? How do you rest from your labors? Well, some of it. I don't even classifywork because I just enjoy doing it so much, but I do I love sports. The lastcouple of months has h been a little Hurd. There's been no sports to watch. I am lucky were in on in the very fewleagues in Hel offact. They open the softball league. I play in so play acouple of games of batls a week Um. I just try to read a lot. I do a ton ofwalking I when I'mawalking Um I listend to adifferent idea. I'll have to find your brodcast. I think they'd be fun tolisten to. I culd, listen to laenjoyn nature andgo walking a lot. I said: Campfirelid try to build pretend on a carpenher,build a few things like to get busy and keep busy. But youknow a lot of the stuff like the UO cannel ting o promote it or um. I dohave a little hobby business. Do I do sell you sports closing online on facebook. I just enjoy seeing going ou trying to find stuff, and it justrelaxes me MHM and spendthe time with my kids knowwhat going to their events watching their dance, competition or basketball driving then places which was nice illbreak the last few months, but I just enjoy trying to spend sometime with them and with my spose we try to travel a little bit and you know just. I don't really take a lot of tdeown time because Ienjoy what I do. I guess you know, and I don't worn all the time right with the fiancecompany yeah yeah, but it's it's good. I mean you're, saying things that arthings you do and rest and that it's good to rest regardless, if you likeyour job or you hate your job and you always want to take time off whichevercamp you fall in. Do you have anything else that you would like to say inregards to work? Well, the biggest thing is, I meant tomention therywhene you're, saying don't be one of them: People Stuck in the jobfor twenty thirty years that you hate. That's one of the reasons why I changedcueaers so many times over the years, because I'd see people at a job thathad been there twenty years and they'd come in every morning and they gothreadin they're excited for Friday and he Sunday night because they have toget up Monday morning. Don't do that, take a chance. You know, there's many people o therehave done it and it can be. It can work IUT. I know it's herd. Let's just tryto stay positive and don't get stuck somewhere. Where you can't stand being'cause. I think lities meant to be fun. Well, it's also. I someone told me theother day they said, take chances because you don't want to live with the the thoughtof knowing that you didn't do what you...

...really wanted to do. Don't live, don't live with regrattingexactly I love that and h. You know you can't hear that enough,because I think too many people are living. Work regrets doing a jobbecause they're afraid to try something different and h. You know I have aclient that the other this year he changed crayers after thirty four yearsat one place, and you know I got the most Bilo admiration form or everythingbcause. He went for something better after thirty four years at one job he'sSwitchin for he last ten years. That's great you know and not that he didn'tlike where he was at, but he took the risk mhm and I think that Y, if youwant somthing life, you got taked at risk, not everything's going to workout, but better than being onha get something ye heat yeah and it's. I think I heard someoneelse say too: It's take the risk, you know. Sometimes it could be a bigdrastic thing that very few people would ever do, but a calculated risk.That is, you know before you're, jumping into that new job. Um, don'tleave your other one unless you're really sure you have it because you dohave bills practically speaking and you do have children to drive around and NDpay for their clubs and stuff like that. So I calculate a risk, but still likenowadays with this down or some people don't know downtime, but some downtimelook, you know, go on Lingctoln right, go on Lincoln and, like that's a wholelike this is what I I'm just realizing over a couple of weeks, and maybe youhave more in sight than I do because I haven't been on it long, but ifsomeone's like just playing on facebook like just scrolling down on a thing oran instangramm or a twitter, just to see what's going on Lindon and if you want to change yourjob or learn what other people are doing in these industries, Linton isjust all business like it's just amazing place to youknow it's it's not like. Oh look, whos, you know whatever news or you know moresuperficial things, but this is just people and then they're advertising andadvertising people promoting and asking and receiving. But how long have youbeen in that? Did you say that at the beginning, how long you were you weredoing it Lincoln? I've been probably probaly Bentwo years ee down there like us, it more dorogly, and I usually just whenpeople friend me a lot of people, friendthe actor, you get Soe e you getfriendly offers imitations. I just send them a little message same what I'mgoing to do and, and you took channel err and people seem tolike it. I get a point two subscribers response from Mi pose. Every morning Iput a little motivatied Sto pitere pode on there and some days I'll get finecomand some days I'll get twenty, but people seem to like it, and you know,I've had number of people offer me positions on Lincoln or askyou if you're Interestin it summer, Tua wouldn't be somene would be, but youknow right now: It's not where I want to go but, like you said, there's somuch Sdale time right now t people, Gan Lincon, Guanae network things youcan find. There's cods! You can do to improveyour situation right now, especially with this daintime. If you put it togood use and that's a key N, it's a good waytgo go ahead. The key is Youitime wisely. You know so many people, 'cause, there's there's so many thingsyou can do. That's behind the scenes right like going on a website from yourown home. I mean some alborithm somewhere knows that you did it, butyour boss, that you have a job with now, doesn't know that you're going to lookfor a job, so you're just testing the waters, putting your toe in the waters.Just like some of your clients. Now who you might might take a flier as theysay, take a card. They may not want your insurance today, but theymight morrow. You might not want that job you're. Looking at but at least youknow what they require. It's Kindof...

...like what you do with insurance, seeingwhat they're going to need and then work your way back. If you go to lookfor a job that Youo'LD really like to have see what they require come back tothe present and say mm well, then I can do some of these things, whether it's asmall course who just mreading some more information, they're just greatways to get ready to take that step. If you want to try something differentexactly and you know, but the key is they have to want to do it, everybodyhas to want Todo it. If you don't it, don't matter how many opportunitiesare there? If people don't you got to crate your own opportunities if theydon't want to look for Ityou're, not going to find them, and that's why I like a boo, O te yhepcouple o months, it's really been able to help people. I think it's worse. When people have the excusethat I I can't do it, you know, or they listen to some news things: Ays Ellunemployment up as high as it's been forand, then wllthere's, no jobs. Wecan't do nothing. Yeah Quicko do go plant. Some cabbagecabbage doesn't take time off WWHATE's talking about the world'sstill rotating you know. People need umbrellas, yea, Sodon't, there's lots of things. People can doclay, Glaton inclosing. Why do you work well work 'cause. I want to make money forto give my family better lifetime and Bater lifestyle s, the main one ofcourse, but why I do what I do is because I likehelping people and yes I he I'm one of the people I like helping. I should sayI really enjoy helping people and whether it hat's me or other people.That's why I work. I want to Beb to provide from my family, and I want tobe able to have a great future that you know I can do what I want to do:Financial Freedoms. My goal, of course, like most people, but I wan they Bibleto show my kids that anything they put their mind to was possible, and youknow just bi grating, a pos of atitude and work and heard if I can get mystuff and theyseehow that can be done and they can do it. Hopefully we canhelp other people. Do the Samand? I guess that's basically why I work that's a great answer. I mean it's agreat answer and it ties into what you're saying where people an we needto remind people as well, that life isn't free you're, not you might behanded. I mean it's like saying, you're, sitting on the Sofa and someone'shanding you your food, okay, they're handing you your food but you're,becoming lazy by not getting ut and preparing it yourself, so you might getthe money, but it doesn't pe provide you with the the strength needed to carry on in yourlife, and this is, I believe, what you're saying and it's it's it'simportant, 'cause people they rush by the first answers. Will I need money,do like well, of course, yeah, but not all people realize you need money likeyou need money, it has to come from somewhere and you need to work for it'cause. If you don't work for it, someone else is going to have to workfor it and we we live in a society. That kind of doesn't really say thatit's just this money come. I don't know. I didn't go all around Cape Breton, butdo you have money trees out there? I wish that the last thing you'll finttep en I didn't- I didn't find any. I didn'tfind anythere I haven't found anywhere. I am now so. Unless someone shows isthat island, where they are, we need to work so Clayton. I trulyappreciate this and I like to talk to you later and see how your youtubechannel is going, and I hope you all the best in insurance and if people areNova SCOCIA and they need insurance more other types of investments, CA,Claytan, Fraser, H, man, thanks Bri and it's Gen a lot of fun. I reallyapprecate this. Thank you for listening to this episode,why we were with Brbe sure, to...

...subscribe, follow and share with others,so they too can be encouraged. There Werei hope that you have yourself beproductive, be a joyful day in your work.

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