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Purchasing Investment Properties

Deciding whether it's better to invest in the Stock Market, GICs or investment properties has always been a no-brainer for me. The stock market goes up and down, sometimes you can look back over your initial investment 10 years ago, and there were two crashes, and you are right back where you started. Hardly a good return. If you sold your stocks during a low period, then you even lost money. ...

Appraisal vs. Home Inspection

A home is one of life’s most important purchases.  Before committing to a purchase it makes sense to learn as much as possible about any property you wish to acquire.  Understanding the important differences between an appraisal and a home inspection will help you to obtain detailed information about the home’s value and condition.   An Appraisal An appraisal allows ...

The Dangers of Overpricing Your Home

There are potential dangers when it comes to pricing your home in any kind of real estate market.  Sellers can be reluctant to price their home in line with the marketplace as they feel they may be giving away too much of their home equity.  The reality is pricing your home right from the start will get the net result you are looking for as a seller.  Here are some of the reasons ...

Debt Myths

Many things will help put a band-aid on your debt situation. However, you will never recover from the endless debt syndrome if you don't increase your awareness about the behaviour that got you in debt in the first place! Are you acting as if you believe one or more of these "Debt Myths" are true? Myth # 1 - Higher income will get you out of debt Nothing could be further from the truth. In fact, ...
Tags: Finances

Millions Refunded through Green Mortgage Program

Who doesn't like a refund? Apparently, lots of Canadians do - to the tune of $3 million through the Canada Mortgage and Housing Corp. (CMHC) Green Home Mortgage Program over the last year. That's great news for those homeowners, who received a 10% premium refund on their mortgage insurance for: Buying an energy-efficient home Building an energy-efficient home Doing energy-saving renovations ...

HST: Just Not That Bad

There is a lot of controversy about the Harmonized Sales Tax (HST) - approaching in just a few weeks now - at the moment. It looks like it here to stay despite the best efforts of its opponents. How much of this controversy has been created because of the lack of clarity? I spent some time researching the effects of the HST on the housing market and truth be told I've come up with this: It's just ...

Canada's Best Places to Live: Different Again

MoneySense Magazine - a Canadian personal finance publication - has revealed its Top 10 Best Places to Live in Canada in 2010: Ottawa-Gatineau, ON Kingston, ON Burlington, ON Fredericton, NB Moncton, NB Repentigny, QC Brandon, MN Victoria, BC Winnipeg, MN Levis, QC The magazine used data compiled from 179 Canadian cities and towns with populations over 10,000 people. They rated cities ...
Tags: Statistics

We Work Hard for the Money

“We Work Hard for the Money, So Hard for the Money…” You know the tune, and we know it applies to professional REALTORS who earn every penny of their commissions... putting in those extra hours at the showing, advertising, promoting your home on the Internet, meeting face-to-face with the home buyers and sellers, and much more. CENTURY 21 Canada is going to take back the image ...
Tags: C21 News

Your Post-Subject -Removal Checklist

You just had the subjects removed from your offer to purchase; what's next? Choose a Lawyer or Notary to handle the conveyancing of your home purchase.  If unsure as to who you should hire then ask your Realtor® for a list of recommended names. Ask your lawyer or notary what you should expect to pay for Closing Costs. Also, be sure to ask them any general questions ...

Is your Uncle Joe the Right Home Inspector?

Buying a home may be the biggest investment you will likely make in your lifetime - and hiring a certified and qualified home inspector will increase the odds that you’ll make a good investment, especially if you are buying an older home. However, most homeowners spend only about 15 minutes looking at a home before they put in an offer! So say experts in this HGTV video: In the ...
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