The one positive we've seen amongst all the economic headlines these days is the historically low interest rates. In fact they're so low that many homeowners are wondering if now would be a good time to switch out of their current mortgage.
Whenever you cancel a mortgage, you are faced with paying a penalty because you are essentially breaking a contract. Now that penalty can be either 3 months interest or an Interest Rate Differential - or IRD - as it's more commonly referred to. The IRD is calculated based on how much your current bank stands to lose - so it can often be quite sizable. Having said that, with rates being so low, we've seen many cases where the savings far outweigh the cost of the penalty, so it's certainly worth analyzing the difference - especially if you only have a few years left on your current mortgage.
For all your real estate services or if you have any questions regarding your mortgage financing, please contact Maria Mak at Sutton Centre Realty at 604-839-6368 or visit my websites at www.mariamak.com, www.mariamak.ca , you'll be smiling too!
When selling a home , the marketing effort must be coordinated on all fronts. It also must be superior to the competition. This is especially true in a buyers' market where the homes sitting on the market seemingly outnumber the potential home buyers. In such an environment, you must lift your home out from this crowd and highlight it in the best way possible. You must out-think the competition.
All good marketing efforts begin life as a sound, basic plan and then evolves to fit the particular property and situation. Cut from whole cloth and then tailor-made, such a plan will incorporate innovative new ideas and "rearrange" old ones.
1. Select a Quality Realtor . There are also some who are little more than "order takers" who literally can't properly write out a contract, much less have the hard-won knowledge needed to position your home in the most appropriate and effective way for your particular market. So how do you find such an experienced, market aggressive realtor? Ask around. Check with friends and get some names. When selling in today's market, you need to be in the hands of a practicing "doctor" and not someone eager to practice on you.
Maria Mak - Burnaby Realtor - Kung Hai Fat Choy
Wishing all my good friends and clients a Happy Chinese New Year. Good Health, Good Fortune, Much Happiness in the Year of the OX.
By Ray on January 27, 2009 - 3:38am
My latest burning-the-midnight-oil project is testing a copy of Windows 7 Beta, and I love it!
This is what Vista should have been but wasn't, and I can hardly wait for this one to be released.
Already, it feels and acts like an old friend you just know you can trust....you should grab a copy
of this beta while it's still available, and get a head start on the future :)
Jim Rohn said it best when he said, “Don’t wish for things to be easier, wish for YOU to be better!” This is advice I think a lot of us could use more in our lives. If you study the law of attraction, you learn that when you worry and focus on your competition, you attract more competition, SO STOP DOING IT!
If you subscribe to the idea that there is plenty of whatever it is you do out there for everyone, you stop worrying about competition. When I am out and about at events and businesses, I hear a lot of business owners and real estate professionals talk about their competition, and typically in a negative way.
There are two main reasons not to do this. Number one is if you subscribe to the idea of the law of attraction, which I do, you understand that energy flows where attention goes and you focusing on your competition only creates more competition for you! A great example is elections. The media talks about how bad someone is and they end up winning!
The second main reason is when you talk about people or competition, you are reducing the amount of time you can think and talk about your own business. I don’t care who you are, your business can always be improved! Spend your time and energy thinking of how to make your own business better and that is time well spent!
Greenrealestate is in the business of making home energy conservation an intrinsic part of everyday life through the marketing and sales of more energy efficient new and resale homes. A synopsis then provides that Greenrealestate goals are to:
help reduce energy waste through increased energy conservation,
promote environmental awareness,
reduce monthly home energy costs,
lead to increased sale prices of Greenrealestat certified homes,
help leave the world a better place for future generations,
reduce energy reliance on offshore interests.
Greenrealestate understands how to maximize the economic value of your clients property by emphasizing energy conservation strategies that increase your clients homes resale value.
Greenrealestate is an innovative program designed to set your clients home apart from the rest, increase its selling price, reduce its selling time while helping to green the planet.
Whether you clients are thinking of selling today or in the future the Greenrealestate™ program makes good economic cents:
1 Saving money on energy costs in the short term,
2. Selling your clients home for more money in the long term,
3. Helping to fight climate change ,
4. Protecting the natural environment ,
5. Improving air quality.
Did You Know?
Homes that are older than 25 years could potentially save an average of
Why do we often think we have it worse than the next person? Why is it so easy to get discouraged when markets change and actions that were working for us suddenly become ineffective? Most people tend to always look for the worst in every situation and instead of adapting; they wait for things to go back to the way they were before the changes. The reality of life, economic cycles, and change in general is this: those who wait are left behind and those who adapt are ready to take advantage of the moment and the future.
The history of the world is the story of men and women who took adversity and created success. The worst diseases were cured at the height of epidemics, and the greatest advancements in technology were made during wars. What makes some people victorious during times of adversity and others hopeless?
In a single word: "attitude." Attitude is a confusing word to many people. It is often viewed as something that comes from the outside created by positive situations, good fortune, or even luck! Nothing could be further from the truth.
Woke up this morning to find another beautiful snowfall winter wonderland, looking out on my backyard, my mom's roses flowerbed is just like a giant cupcake with lots of white foamy cream cheese on it.
LIfe is a state of mind, if you see cupcake instead of roses flowerbed....check your eye doctor or just retreat to your own little world, it is all up to you.
I am no bitch complaining about the the weather even though I nearly had an accident yesterday when I was driving and showing homes to my clients. I just love the snow...so pure...so peaceful.
Whenever I feel down and out about my life, a good friend of mine says to me, "your life is someone else's dream". I have realized there is no doubt that…
…life is a state of mind!
I first heard this line in a Peter Sellers' movie, where the main character, a gardener named Chance, walks on water, seemingly because he doesn't know that walking on water is against the laws of nature. As he is not aware of the laws, he is not bound by them, or so the movie would have us believe.
The director is challenging our own sense of what we see and what we want to see. Are we prepared just to see the same view as others, or are we prepared to see beyond that …
By Alice Hart on December 31, 2008 - 10:23am
Feathered birdcage veil