OUTSIDE: Trim all shrubs. Pull all weeds. Flowers planted. Leaves raked. Water lawn to keep green. Pick up and discard or store all implements, materials and debris that are not part of the lawn decor. All windows washed. Garage should be swept, neat and tidy. During the winter, all walks and drives should be shoveled [...]
You like me are probably looking at your T4 slip from last year or maybe even your most recent pay stub and asking yourself, where the heck does it all go? Sure, you wish there were a few more zeros on there, but it’s the vanishing act that’s the killer. Tax time is the worst, you can see [...]
Today, the Government announced three changes to the standards governing government-backed insured mortgages. aka – High Ratio Mortgages (Less than 20% down) 1) MAXIMUM AMORTIZATION PERIOD TO 30 YEARS The Amortization is the time it takes to pay off your entire mortgage. Not to be confused with the term of your mortgage. Typical mortgages in [...]
You like me, have probably heard of Robin Sharma. In fact, you may have read some of his books. If you haven’t, you should. Easy reading, short to the point chapters & GREAT advice! More importantly, earlier I shared his 60 TIPS FOR A STUNNINGLY GREAT LIFE I invite you to follow along as I [...]
Did you know Beacon scores can range anywhere from 300 to 850? Reportedly, only 13% of credit scores exceed 800, and only 1% achieve a perfect score of 850. Typically, the higher the score, the lower the risk to default in the lenders mind. The scoring is computer generated taking into consideration the following 5 [...]
This week I’ve got a special Interview with my friend Philip Tirone. Phil is an expert on helping people get to a 720 credit score. In fact, he wrote “7 Steps to a 720 Credit Score” Want to Learn How to Build Credit? Watch my TWO Part Video below (Had to break it into 2) [...]
The amortization of a mortgage is divided up into smaller time periods called “terms”. Mortgage terms usually range from six months to five years, but some institutions will offer seven- or 10-year terms. The term is the period of time during which, with fixed-rate mortgages, the interest rate and payment amount are fixed. With variable-rate [...]
Bank of Canada says household debt and European crisis present the biggest risks to country’s financial stability. Risks to Canada’s financial stability have gone up over the past six months because of the possibility that the European debt crisis and “severe tensions” in global markets could threaten the worldwide recovery, the Bank of Canada said [...]
