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6 Benefits Of Buying In The Winter

Posted onOctober 09/2015By

Most people think it’s best to buy in the summer or spring, but winter can be a “hot” time to get into the market. If you don’t mind a little bit of cold weather searching – this might be the best time for you to start looking for a new home! Here are 6 benefits to consider on your house hunt: Professionals have more time to serve you. During the busier months your real estate agent will probably have many clients to deal with, during the winter, their workload is usually lighter. Other professionals such as contractors and movers may less bookings and may be able to accommodate you better. They may be able to get tasks done quicker and work with your schedule. Interest rates tend to be lower. There are many factors that influence interest rates in the Canadian landscape, but in the winter they are often lower.…

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What Is Zero Budgeting?

Posted onOctober 05/2015By

A budget is a plan that outlines your income and expenses. It can be used as a guideline for spending and saving money. Usually done on a month-to-month basis, budgeting provides us with an excellent visual and solid figures that can be used to justify the dollars and cents we spend. Becoming a good budgeter takes time and it doesn’t come easy to everyone but you can get better at it. You can use a simple template on Excel, or if you have a higher skill level, you may know of better templated options. Plus, there are a lot of apps available on Android and iOS that can help make your budgeting easier. When it comes to being able to afford your mortgage, budgeting is essential to some households. If you find it difficult to make ends meet after paying all necessary monthly bills, or alternatively if you simply want…

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3 Mortgage Options After Losing Your Job

Posted onOctober 02/2015By

Worst case scenario: you’ve just lost your job. It’s a reality for thousands of people across the country and now it’s happening to you. Life changes and it changes quickly, being prepared for the unexpected is the best way for you to handle this situation, but that doesn’t always work out. Don’t let the stress take over; come up with a plan and work on achieving financial success even in your time of need. There are many different paths that you can go down – but one of the first things you can do is speak with an advisor that can review your current situation and make the appropriate recommendations. It can be one big headache trying to figure out the next steps, but your advisor will know best. Refinancing One of the best ways to save money on your mortgage is by lowering your interest rate – you can…

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