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Maria Mak. Burnaby Real Estate Agents. Burnaby Realtors @ Sutton Centre Realty- * latest mortgage news*

By Maria Mak - Sut... on June 30, 2012 - 7:15pm

OTTAWA — The federal government is moving once again to tighten mortgage-lending rules amid lingering concerns about an overheated housing market and rising household debt levels.

In a decision called for by some of the big banks — and one that's expected to soften housing prices — Finance Minister Jim Flaherty announced Thursday the federal government is reducing the maximum amortization period for a government-insured mortgage to 25 years from 30 years.

It's the third time the Harper government has reduced the maximum amortization period in the last four years, after it initially increased the lengths of mortgage terms to make it easier for Canadians to purchase homes.

The government has since ratcheted it back from 40 years to 35 in 2008, and then further reduced it to 30 years in 2011.

Visit Maria Mak's website for all detailed mortage rules being effective July 9th 2012, or contact Maria Mak and her mortgage teams @ 604-839-6368 for details.

Maria Mak - Burnaby Real Estate Agent - understanding agency relationship when working with a realtor

By Maria Mak - Sut... on May 7, 2012 - 5:49pm

REALTORS® work within a legal relationship called agency.

The agency relationship is established through a contract between you, the client, and your agent, the company under which the REALTOR® is licensed. Most REALTOR® use a blue brochure titled Working with a Real Estate Agent to disclose the nature of the agency relationship with their client.

A REALTOR® can act for a seller or a buyer, or to a limited degree, both. Whomever they represent, REALTORS® have a legal obligation to uphold the integrity of their clients, while protecting and promoting their interests.


Continuing my "Freebies" theme, here's another site...

By Ray on June 18, 2007 - 12:43pm

This site lists the 46 best-ever freeware utilities....
46 Best-ever Freeware Utilities
I haven't checked them all yet myself, but it sounds good.
Here's another link, which took a while to track down, because
the original no longer works, for some reason. But this little
program works, and is very handy, especially now that Vista is
using the PNG format for things like icons. This program converts
files ending .ico into .png files, and vice versa. Just drag and
drop into the two windows, and instantly convert one to the other.
A short note here: PNG files convert into icon files nicely,
but icon files don't convert to PNGs well at all. They lose a lot
in the translation, and look ragged around the edges. But if you
want to convert PNGs to Icons, this does it nicely.

Example of PNGs into Icons

Some of these PNGs were 600 pixels and up before conversion.
I had to change these examples back to JPEGs to show them.

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