Have you ever heard of a consumer proposal? My client called me two weeks ago and she was ecstatic. She was so grateful that we’d referred her to Sands & Associates. In fact, after she told me her story, I was excited. I was also amazed with the results of the debt settlement. Instead of [...]
Q: My friend just bought a rental property in Vancouver and she bought it with only five per cent down. How did she do that when CMHC changed the rules earlier requiring 20% down? A: Although CMHC will only finance a rental property with 20 per cent down, they’ll still finance a “second home” with as [...]
Welcome back Mark Fidgett here for www.notapennydown.com Just got off the phone with a VERY distressed home owner. Imagine losing your job, just as your mortgage is about to come up for renewal. Talk about bad timing! I’m going to share with you exactly what I told my client. I’ve got a secret to tell [...]
From now on you may want to reconsider paying $23.95 to Equifax for your credit score. You might be surprised to hear that what you get, may NOT be what you expect. You like me, probably believe that when you pay the additional $23.95 to Equifax, you’re getting the score that lenders rely on to [...]
Have you ever heard of the “Straw buyer” scheme? And it has nothing to do with farming.. It’s another term for mortgage fraud. The “straw” or “dummy” home buyer scheme. For example, a renter does not have good credit or maybe he/she doesn’t not have the income needed to get a mortgage, or sufficient down [...]
The kitchen is the heart of the home, and it’s the most highly valued room by buyers, so you want to make it show its best. Here are some tips to create a captivating kitchen: You can cut down on visual clutter by removing items you normally store on the counter. This will help your [...]
If your credit is less than stellar, applying today may actually make your credit worse. Don’t get me wrong, I’m not saying don’t apply. I’m saying, don’t apply yet. Do you suspect there may be an issue with your credit, if so, you’re better off pulling your bureau yourself. Your score will not be harmed [...]
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 [...]
Those of you who know me, know that athletics and fitness has always been a big part of my life. I was at the gym this morning with my wife and we were both observing one of the personal trainers with their client. Watching him train his client with obvious poor technique, made me think [...]
