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 [...]
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 [...]
Plug The Holes & Put Your Drill Away Your money picture is like a tub full of water – if it’s full of holes, you better plug’em before you increase the flow of water. From a financial perspective, the ‘holes’ are wasteful spending habits and expensive financial commitments. It’s not living on a shoestring – [...]
Suggesting a higher listing price may be exactly what the seller wants to hear. In fact, it may even establish rapport with the seller. Is it wrong to establish rapport, knowing full well the price is too high? I read a book a couple of years ago on Psychology. Based on the story below, as [...]
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 [...]
Although this changed at the end of 2009, I’ve had several question so I’ll revisit it below Re: Amendments to the Strata Property Act Concerning Rentals Announcement There has been a shortage of rental units for years in British Columbia. In order to address this, the Provincial Government recently passed legislation dealing with the rental [...]
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) [...]
Received a question by email over the weekend. Can I use my car as a down payment? Down Payment – The amount of cash paid towards the purchase transaction by the buyer of a home. This is also known as the purchaser’s initial equity in the property, but is also used by a lender to [...]
Can I Use My RRSP’s to Buy a home? How does the Home Buyers Plan (HBP) work? Each purchaser may withdraw up to $25,000 from their RRSP to buy or build a qualifying home. If you buy the qualifying home together with your spouse or other individuals, each of you can withdraw up to $25,000 [...]
The foreclosure process with Tony Spagnuolo, owner of Spagnuolo & Company Make sure you watch BOTH videos below. Part 1 & 2 below Foreclosure scares people because it means they may lose their house. But if you face foreclosure, you may still be able to help yourself if you understand what it is and how [...]
