September 2019

Found 19 blog entries for September 2019.

What to Consider in a Retirement CommunityCanada may have restrictions against age-related discrimination for housing, but lawmakers make the exception for senior living. This exception essentially allows HOAs to design their grounds to meet the needs of seniors and promote meaningful relationships between the people who live there. When it comes to retirement lifestyles, these communities represent the largest trends across the country, whether homeowners are looking to downsize their home or make new friends. Once Springbank Hill homebuyers learn about the advantages of this option, it's easy to see why it's so popular. However, there are a few things that residents should learn before making an offer.

Age Limits

Not every community technically restricts the ages of its residents, but

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Man holding piggy bankIt's time to move out and move on with your life and before you start your house shopping it's important to get your financial picture straightened out first. When you know exactly what you're dealing with financially it makes it a lot easier to do the house shopping without having any doubts on your mind about your savings and ability to pay the mortgage every month.

If you're a budget-minded person that is good with money and knows where every penny goes, you're probably thinking right now that this is a basic fundamental that everybody would be aware of. Unfortunately, if you are one of these people, you are actually one of the few that is on top of their finances. Most people aren't able to handle money properly, stick to a budget or even know

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The Best Events in Calgary this NovemberThose looking for November events in Calgary, AB will be pleasantly surprised at the available options. Whether people want to celebrate the upcoming holiday season or indulge in their passions, the people of Calgary, AB have organized some interesting activities that are sure to bring people together.

World of Whisky Festival

Whisky isn't just another type of liquor to many people in Calgary, AB. The distillation techniques were thought to have first been developed as early as 1100 AD by monks in Ireland and Scotland where wine wasn't widely available. Even the name comes from Gaelic word that means 'water of life'. Whether a person loves whisky or just wants to learn more about how far this beverage has come in the last 1,000 years, the World

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15 Marketing Tips For Realtors For @015Taking your business to the next level is never easy, but it can be done. We asked some of the best real estate experts in the world to share their top tips for marketing real estate in 2015. Check out their responses alongside our own, below!

Set Your Goals

The first step to success is knowing what you want to accomplish. Setting goals will give you direction and help organize your efforts. Ensure your goals are tangible and set smaller milestones for those big goals, to keep you motivated along the way. Set Daily, Weekly, Monthly, Quarterly and yearly goals for both personal and business goals. Once your goals are in place, you'll be ready to take them on in full force!

-JustinHavre.com, Justin Havre

Ask For What You Want

You can get

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Christmas MarketThis is the time of year when it's fun to try arts and crafts. Holiday markets are starting to pop up around town and it's the season to start buying holiday items you'll need for the season. Stock up on Christmas gifts at these arts and crafts markets around Calgary before December.

Okotoks Christmas Festival

At the Foothills Centennial Centre this November 7th and 8th, you can enjoy Christmas shopping while listening to the Foothills Philharmonic Chorus. You can get old fashioned pictures with Santa, try kids' crafts at Santa's workshop and all donations for the day will go to the Okotoks Food Bank.

Enjoy shopping from over 100 local boutique businesses and artists featuring handmade, upcycled and unique products. The event will go from

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How Does Lenders Mortgage Insurance Work?You know that you need a down payment for a home when you're applying for a mortgage. But did you know that a small down payment may mean you need to purchase lenders mortgage insurance (LMI)? Learn what LMI is, how it works, and who needs it.

What is LMI?

Mortgage insurance protects your lender if you default on your mortgage. Home buyers who are putting down less than 20 percent will be required to purchase this insurance. If you own a home and you decide to refinance, you may need to purchase LMI if your established home equity is under 20 percent.

You'll pay a one-time premium for LMI, which is expressed as a percentage ranging from 0.6 to 4.5 percent of your mortgage. This premium can be paid upfront to keep your interest down, or added

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Man holding a toy houseThere are many benefits that go along with home ownership such as the freedom to renovate, the ability to turn up your stereo a bit higher and the chance to sit out in your own backyard to enjoy a barbecue. There are also a lot of financial benefits associated with owning a home but we are going to take a look at the top 3 that include:

  • More financial control
  • Higher net worth
  • More borrowing power

More Financial Control

Let's assume that a person takes out a 25-year mortgage at a fixed interest rate. For the next 25 years of his life he is going to be able to budget for the mortgage payment and know exactly what is expected of him every month. A renter, however, never knows exactly how much his rent is going to increase when his

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The Facts About the Use of Green Technology in Sustainable BuildingSustainable building has come a long way in a short time, which has made it difficult for the average construction company to keep pace with the new developments. Even as 3D printers spit out entire homes on test sites in mere hours and windows are developed with the help of Wi-Fi, most homes are still using a fairly traditional model of completion. Luckily, many countries are heavily invested in the green movement, and their efforts are starting to pay off. What is sustainable design and what is green technology? See how the newest green technologies break down and how they all add up to fewer emissions and cleaner air.

Geo Exchange

When a new building in Ontario was constructed under the Zero Carbon standard, one of its main features was its

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Pre-Qualified or Pre-Approved: Smart Advice for Home BuyersMost first-time home buyers can't afford a home without a mortgage. When they apply for a mortgage, they must go through the pre-qualification and pre-approval processes. Both processes are mandatory for all people seeking a mortgage.

You can think about pre-qualification as being step one of applying for a mortgage. Pre-approval is step two. Understanding the differences between these two steps and what this means for the home seller can help you be prepared to make an offer on a home you wish to buy. If you're thinking about purchasing a home sometime in the next several months, here's what you need to know about pre-qualification and pre-approval.

For informational purposes only. Always consult with a licensed mortgage professional before

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Trending right now in the bathroom line of products is the rain shower head. If you love your morning shower and want the spray to shower down "just so", you're either going to love or hate this product. It's being promoted as the new luxurious and stylish alternative to regular shower heads but it will be up to you as to whether this is really the next big thing or not.

Why People Love Rain Shower Heads

Engineers have come up with a way to make the shower heads feel just like you are standing out in the rain. Today's models offer a wider surface area and larger water droplets. When these larger drops come down from the shower head they bounce into each other forming streams of fine droplets.

The effect is really quite amazing but whether

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