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#First-Time Home Buyers in Canada
loewengroupmortgages · 7 months
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Conquer home buying in Canada! Our guide offers expert tips for first-timers, from budgets & credit to mortgages & negotiations. Get started today!
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sandhusranmortgage · 9 days
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First Time Home Buyers Welcome 30 Year Amortization Move
In its latest announcement regarding mortgages for First Time Home Buyer, Federal government raised the insured mortgage cap to $1.5M for a down payment of 20%. Also, the amortization period has been increased from 25 to 30 years, bringing a sigh of relief on home buyers worried about huge monthly payment. With the expected inflation levels lowering down constantly and bringing the percentage of just 2%, get ready for more amazing mortgage cuts to be introduced in coming months. If you are still planning to buy a home, nothing can be better than now. Start your home search today and wait for the base point rates to witness another deduction and this is all you need to get started with your mortgage application. The federal government announced these changes to Canada’s mortgage system recently and marked them as one of the boldest reforms in decades. These changes are highly in favour of the first time home buyers and will play a significant role in reducing the financial burden.
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How Can a Mortgage Broker Simplify the Home Buying Process in Canada?
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Congratulations! You’ve decided to embark on the exciting journey of buying a home in Canada. While the prospect of homeownership brings joy, the complexities of securing a mortgage can feel daunting, especially without the guidance of a top mortgage broker in Canada. Here at Crown Funding, we understand that navigating the financial landscape can be overwhelming. That’s why we believe a qualified mortgage broker can be your greatest ally in simplifying the home buying process. Read More.
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vishalmonga · 9 months
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Do you think to buying home first time in Canada? Get The best rates with Vishal Monga. He is Top rated Mortgage associate in Canada. Get in touch with him today.
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sheerzeninc · 1 year
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HOUSES FOR SALE IN NORTHEAST CALGARY
Looking for houses for sale in Northeast Calgary? Yes, the Sheetal Cheema Team is here to help you find the perfect home for your needs. We have a wide selection of homes for sale in Northeast Calgary, including single-family homes, townhouses, and condos.
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iambittythings · 2 months
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Another favourite coming to the Conpocalypse, a pair of colourful Axolotls. Both of these guys glow in the dark too! First time doing one in orange,one of my favourite colours.
If you'd like to follow along with my con prep, please check out the Trello.
Want a Bitty Beast? Please check out the shop before Friday. I'll be closed for two weeks while I'm at Pretty Heroes and Canfurence. All Beasts are coming with me, but they won't all be coming home!
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cuttergauthier · 1 year
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Neighbours
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Quinn Hughes x Female reader
Warning: against, fluff, cussing, alcohol
word count: 3.7k
let me know what you guys think🤍
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April 2022
I moved to Vancouver 2 weeks ago for work even though I can work from home. I wanted a change so I decided to move. I'm a clothing designer. I started the summer before I started going to university. It was hard trying to juggle a clothing brand and university at the same time especially since i was doing extra classes during summer since i wanted to be able to finish a semester earlier so i could go back home for summer & be settled in Vancouver for when i come back in September, but i was able to make it work.
When I first started I would only make 1 shirt in all sizes and sell them, it took a while to be able to make money off it, but now the clothing company is doing really well, It’s an online clothing store. I sell both Women & Men clothes from comfy to fancy.
I’ve always wanted to open my own store and I thought Vancouver would be perfect for that, most of my buyers are from canada.
I was born in Plymouth Michigan, i grew up in a lake house, my parent’s love it here, so do i, during winter my dad, my older brother and i would go skating on the lake, it’s one of my favorite things to do during the winter, during summertime we would go on boat rides almost every day. 
I went to the University of Michigan, I graduated in June, it was the best 3 and a half years, now I'm on a new chapter of my life. I 
I am still getting used to Vancouver. I don’t really know where everything is yet, it’s only been 5 days and i can work on my own time as long as i meet my deadlines, so i’ve been walking around Vancouver. It was a pretty chilly day but it wasn’t too bad. We are now at the end of April.
It took a while before moving here to look for an apartment, And to get everything settled since I’m American i needed to apply for a work visa, it took a while before i was accepted.
I finally found a cute coffee shop so I made my way inside and in line to order. I looked at the menu to see what I should order. Once I decided to go with (favorite coffee order) the line was shorter and it was only a cute guy in front of me and I.
When I finally ordered, I made my way to the pick up station. The cute guy got his drink before me and walked out. I got my drink a second later and left the coffee shot. I started walking back to my apartment since I still have some unpacking to do. 
I’m walking and looking around me, Vancouver is truly a beautiful city. I looked in front of me and saw the cute guy was going in the same direction. He looks familiar but I can't figure out why.
I saw him getting in the same apartment building I live in, maybe he lives there too. I made my way inside to see the elevator doors about to close. The guy looked up from his phone and saw I was walking that way, so he put his hand to stop the doors from closing.
I smiled as I walked in and stood next to him, to see he selected the same floor as I live on.
“Thanks for holding the door,” I said thankfully.
“No problem,” he said. He looked so serious like he didn’t have any emotion in the fact that i said thank you.
“I’m yn” i said
“Quinn” he replied before looking down at his phone.
He looked pretty tired, maybe that’s why he doesn’t seem to want to talk. But so am I, so I can't judge. 
The doors opened on our floor and we both started walking to our apartments. We are both going the same direction.
Once he stopped at his place, I stopped at mine which was the one next to him.
How have i not noticed him till today, since i’ve been here, it looked like no one lived there.
I saw him look at me before he opened the door. I looked at him as we made eye contact for a second. 
“See you around neighbor” i told him smiling before walking in my Apartment and closing the door behind me. 
I really hope I see him again. I smiled before continuing to unpack my stuff.
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1 week later, May 2022
I finished packing my suitcase to bring back home with me. I was finally able to finish unpacking the furniture and everything else in this apartment so I thought I would finally go back home, since it’s warmer there right now then it is in Vancouver.
I made sure everything was turned off and made my way out of the apartment with my suitcase. As soon as I locked my door, Quinn opened his and got out with his suitcase. Looks like I'm not the only one who seems to be leaving Vancouver.
I made my way to the elevator and I saw him do the same. I made sure to wait before pressing the lobby button. 
“Thanks” he mumbled
“ no problem… Are you going to Vancouver?” I ask him, trying to make conversation.
He looked at me confused for a minute, before he shook his head. 
“Going to see friends and family” he replied 
“That’s always nice,” I say. All he did was nod, I guess he’s not one for conversation. 
We both got out of the elevator and made our way outside, i had ordered an uber so that I wouldn't have to wait. It looks like Quinn did the same thing. Once my suitcase was in the trunk the driver started making his way to the airport. 
I texted my parents to let them know I was on my way to the airport.
I got my bags checked in and made my way to my area. I found a spot where no one was sitting and sat down. My flight is only boarding in an hour but I like coming here earlier in case it’s ever busy.
I saw that my brother had texted me, he’s only 1 year older than me, he's 23 but he’s my best friend.
Big bro
Yo, are you on your way yet?
I chuckled, of course he’s impatient 
Me
Just got my bags checked in, we are only boarding the plane in an hour
Big bro
Please hurry, I miss you!
Big bro
Also before i forget, apparently the hughes brothers bought the lake house next to us that was for sale, i met one of them yesterday and some of his friends they all play pro hockey, one of the brothers plays for Vancouver, Jack said he should be getting in today & the ones i met are really cool, they’re around are age, so looks like we’ll have a fun summer🤪
Me
Oh good, at least it’s not another older couple who would complain every time we try to throw a party when mom and dad go away for the 4th of July😂 & wtf obviously i heard about then you idiot, kinda hard not to when we both went to a school where a bunch of hockey players went to. Also I met the youngest Luke at university, Nick introduced me to the freshman at the beginning of the year.
Big bro
I know right😂 oh cool then i guess you’ll know one of them! Anyways see you soon kid!
Me
See ya!
I smiled, hopefully I won't be stuck hanging out with a bunch of idiots the whole summer, but at least we aren’t the only ones our age.
I was scrolling through instagram. In the corner of my eye I saw someone sitting in one of the seats in front of me.
I looked up and saw Quinn, looking like he’s going to Michigan.
He looked up at me so I smiled.
When it was finally time to board the plane, I went and sat in my seat. I'm thankful that i got the window seat, a few seconds later Quinn sat down in the seat next to me.
“Looks like we’re both going to the same place” I said. 
He just nodded.
I looked back at him with a small smirk, I have a feeling that I’ll probably annoy him on the flight.
“You’re not much of a talker, are you?” I said teasing him, every time i try and talk to him, he looks like he ins’t interested in talking to me.
“Not really, do you need something from me? i’m not interested, okay, i get enough people trying to get with me just because of who i am i don’t need to have one who’s going to try the whole plane ride back to michigan” he said a little annoyed.
That was rude, why would he think I wanted anything from him… then it struck me that’s why he looked so familiar when i first met him. He’s the guy my brother told me about the brother who plays for Vancouver. He’s Quinn Hughes. He’s also Luke's older brother. How the hell did I not figure this out earlier? Luke told me that his oldest brother played for Vancouver, I just didn’t think he would be my neighbor and having him hate me.
Once I made the connection my eyes widened.
Quinn rolled his eyes.
“See you clearly know who i am, so just leave me alone” he said annoyed.
I scoffed.
“Don’t be so full of yourself, Luke’s my favorite anyways. I also didn’t recognize you until now, not everyone is going to recognize who you are. I’m also guessing you’re going to the lake house you and Jack just bought right?” I said. He’s pissing me off, and since he doesn’t know we are going to be neighbors or that I know Luke, I thought I would creep him out a little bit.
His eyes widened when I said that.
“Omg are you some kind of stalker?” He said in disgust.
I chuckled at his expression, he looks really creeped out right now.
“Not a stalker but according to my brother who met Jack yesterday we are about to be neighbor’s… again.” I said
“I’m sorry… what?”
“Oh My brother texted me earlier turns out you and jack bought the lake house right next to my parents house, looks like we’ll see each other a lot this summer” i said smirk 
I heard him curse under his breath.
“You better not go anywhere near our house,” he said.
“that’s funny because i can promise the second Luke sees me, he’s going to invite me over” 
“Like hell he is” he said laughing like there was no way that would ever happen.
“I don’t care if you guys play hockey, i’m going to go after you just because of fame or money. And Just so you know, I already know luke. I met him in September when he started at Michigan since I'm friends with Blanks. He's a good kid, i would help tutor him with calculus, i think of him as a little brother, same with the other younger guys. I even met your mom for fuck sakes and she was nicer than you are right now” i said, 
I could see a look of regret on his face. He sighed.
“Look i’m sorry okay, a lot of people try to get along just because of who I am , same with my brothers. Can we start over?” He asked.
He looked sincere, and I nodded, i know my brother will most likely hang out with them a lot this summer, so we should probably get along.
“I’d like that” i said  
He smiled 
“I’m quinn hughes, it’s nice to meet you” he said
“I’m Y/n Y/L/N, it’s nice to meet you too” i said.
We ended up getting to know each other for the rest of the flight. I told him about what I studied at university and what I do, along with a few funny stories about Luke and some of the other freshmen. He told me about hockey and his family. It was nice actually talking to him, and I really hope we can be friends since we are neighbors in Vancouver and now in Michigan.
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Michigan 
When our flight landed we made our way out, and went to baggage claim.
I texted my brother to let him know, he said he was waiting with Jack and Luke since both Quinn and I were on the same flight.
“Looks like my brother is waiting with yours” I told Quinn as we started looking for them.
“I see Jack, come on,” he said. I followed him to our brothers
When my brother saw me, he pulled me in a hug, making me laugh.
“I miss you too Y/B/N” i said
“Y/N” Luke said when he saw me and pulled me in a hug.
“Hey Luke” I chuckle.
“You guys already know each other?” Jack asked, confused.
Luke let go of me and looked at jack.
“Yeah, she’s friends with blanks, he introduced us in the beginning of the year, she’s also the reason why i passed calculus, thanks for tutoring me by the way” he said 
“How did she tutor you if she lives in Vancouver?” Jack asked again, you could tell he was so lost, it was funny.
“I’ve only been living in Vancouver for 2 weeks now, i graduated from university of Michigan after Christmas” I said and he nodded.
“Oh make sense, and you’ve met quinn?” 
“Turns out we’re neighbors in Vancouver” quinn answered, i smiled at him.
Our brothers started laughing.
“What are the fucking chances” luke said
“Yeah seriously, now you’re also neighbors here” my brother said
“I know right,” I said.
“Let’s get going” quinn said impatient 
“Yeah, yeah let’s get grumpy,” Jack said.
Quinn rolled his eyes at him which made me laugh.
We made our way to the car and Jack drove us to the lake house.
Jack parked in his driveway and we all made our way to the trunk.
My brother took my suitcase before Jack turned to look at us.
“I don’t know what your plans are today, but we are having a bonfire tonight, you two are both welcome to join us” he said smiling.
“Thanks jack, that sounds fun” i said
My brother nodded.
“Yeah man we’ll be there” my brother said
“Great, then we’ll see you guys tonight”
“Blanks and a few other wolverines are here by the way, I won’t tell them, you’ll be able to surprise them” luke told me. I smiled and nodded before my brother and i made our way to our house.
As soon as we got in the house my parents hugged me.
I talked to them about Vancouver and how Quinn was my neighbor there and now here which made them laugh.
Then I went up to my room to unpack. By the time I was done it was 6:30 p.m. so I went to take a shower since I was all sweaty. Once I was done I got dressed in some Black Lululemon gym shorts and my blue Michigan hoodie.
My dad made food on the grill for dinner so I made my way down to eat since it’s already 7:30 and I am starting.
I sat down at the island counter on the chair and my mom gave me a plate. 
“Thanks mom,” I said smiling.
“No problem honey” she said, placing a kiss on my cheek.
“When you’re done eating we’ll go next door. Jack said they started the fire even though it’s still light out, and you can bring alcohol if you want or he said they have a lot so we should be good.” My brother told me.
“I think you still have some (favorite alcoholic drink) in the fridge from before you left for Vancouver, bring it with you if you go” my mom said before making her way to the living room with my dad.
I finished eating so I put my plate in the dishwasher and looked in the fridge for the drinks my mom was talking about and there were still 6 of them so I put them in a bag. My brother and I made our way next door. 
I saw Blanks was standing with his back to me talking with Luke. Luke saw me but I told him not to say anything. I gave my bag to my brother and ran up and jumped on his back.
“What the hell!” blanks screeched.
I laughed.
“Surprise!” I said before getting down.
“Yn?” He was surprised to see me. I nodded before he gave me a hug.
“I live next door '' I said happily, a big smile made its way on his face.
“This is about to be the best summer ever” he replied, making me laugh.
“Want to know what funny blanks she’s our neighbor here, and she’s quinn’s neighbor in Vancouver” Luke told him and i rolled my eyes, with a smile.
Nick let out a gasp.
“For real? Oh that’s awesome, like seriously what are the chances” he said
“I know right, also Luke, are you going to tell everyone?” I ask, chuckling.
Luke nodded, smiling.
“Everyone has to know” he said, like it’s the most obvious thing ever. He walked away leaving me alone with blanks.
“So, how is it like living next to Quinn?” He asked, smirking.
I rolled my eyes.
“Oh shut up” I replied, he laughed.
“No but seriously, how is it?”
“Fine i guess, he’s pretty quiet, but he kinda hated me until we got on the flight and sat next to each other, he thought i was some crazy fan” i said and nick burst out laughing i didn’t even know if he could breathe.
“What’s so funny?”
“Let me guess, you were nice and always tried to make conversation with him?” 
“Yeah…” I said and he shocked his head.
“That’s what a hockey player with think most of the time when a beautiful girl tries to talk to him and especially if you see him everywhere and end up on the same plane as him, he’s gonna think you’re following him, it’s just an instinct” nick said
“Yeah i know, but i really didn’t recognize him until after my brother told me about them buying the house next door to me and then accusing me of wanting something from him, then i saw the resemblance to Luke, so i kinda creeped him out a bit about telling him i knew exactly where he was going “ i said and nick chuckled.
“Of course you did… Quinn is a good guy though so i don’t doubt you guys won’t become friends… or maybe even more than friends” he said smirking.
I pushed him back.
“Oh shut up, let’s go see everyone else” I said, laughing.
We made our way to everyone else. Blanks introduced me to the guys. They all sound really nice.
We sat around the fire and drank, the guys were sharing funny stories. Nick told the story about how Quinn and I met. I put my hands on my face to hide the embarrassment. The guys laughed
“Seriously Quinn?” Luke asked 
“Look sorry but you never told me about her” Quinn replied.
We continued talking and sharing stories for the rest of the night. Some of the guys had already made their way inside to go to bed since it was late. My brother had gone back home, now it was only Quinn, blanks and i.
“I’m going to head up to bed before I pass out here” Blanks told us, making me chuckle.
“Good night blanks,” I said.
“Good night you two,” he said, smirking. I’ve known him for 4 years, he’s totally up to something.
“I should probably head to bed too, I don't want to be too tired tomorrow” I said, yawning.
Quinn turned to me and smiled.
“What?” I ask giggling.
“If I ask you on a date, would you say yes?” He asked, making me smile.
“I would,” I said blushing.
“Well, yn would you like to go on a date with me tomorrow night?” 
“ i would love to” i said smiling
“Perfect, I'll pick you up at 6:30 p.m.” he said and I smiled.
We said goodbyes and I made my way home.
Once I got into bed, I fell asleep with the biggest smile on my face.
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September 2022
Going on that date with Quinn was the best decision I could have made. It went really well that we went on 3 more dates until he finally asked me to be his girlfriend.
We spent as much time as we could together this summer. When the guys found out we were dating they laughed since Luke had told everyone what happened when Quinn and I first met.
We have been in Vancouver for a little bit now, Quinn came back in August for training camp, i got back last week. I know how hockey season can be, but I also know Quinn and I will make it work. We’ll be seeing each other a lot since we are neighbors.
Quinn had practice this morning but he told me last night that he would come by after lunch.
He’s been stressed lately, he hopes he can have a better season than last year, i don’t blame him.
It’s now 12 p.m. when I heard the door open. 
“Babe, I'm here and I brought food,” I heard quinn. 
“I’m in the kitchen,” I replied. 
He made his way around the corner and smiled when he saw me.
“Hey beautiful” he said, making me blush.
He chuckled, he put the food on the counter and came over to me and kissed me. When we pulled away our forehead touched each other. I looked at his eyes to see he was doing the same. 
“I love you” I said happily.
“I love you more” he replied before leaning in and kissing me again.
Being with him, nothing could make me happier.
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A report from Statistics Canada released last month found that as of the 2021 reference year — the latest available from the Canadian Housing Statistics Program — around one in six properties owned by buyers born in the 1990s were actually co-owned with their parents. Since this was the first Statistics Canada release on this topic, it's not known how this rate of co-ownership compares to earlier times, a spokesperson said. However, the report also cited CIBC data from 2021 that found almost 30 per cent of first-time home buyers that year received financial help from family, compared to 20 per cent in 2015. An earlier StatsCan report also found that, as of 2021, adult children ages 22 to 31 were twice as likely to become homeowners themselves if their parents own property.
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skippyv20 · 2 months
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“The actual owner of the land, even if you looked at the land title, is the King himself,” said Reed, a partner with a firm that has offices in four Rocky Mountain municipalities, including Jasper.”
Lawyer Jessica Reed said property owners in the townsite in Jasper National Park, unlike in other municipalities, don’t own the land they sit on.
“The actual owner of the land, even if you looked at the land title, is the King himself,” said Reed, a partner with a firm that has offices in four Rocky Mountain municipalities, including Jasper.
This means that each property owner in Jasper, like those in other communities located within a national park, is a leaseholder with the Crown. They also don’t technically own their homes, Reed said, as the buildings are part of the lease.
The Canada National Parks Act also stipulates the leases are usually for 42-year terms, although some are shorter, and renewing involves renegotiating terms of the leases.
Reed said this has already caused headaches for Jasper homeowners, as banks sometimes refuse to issue mortgages if the existing lease on a property is shorter than the prospective mortgage term.
That problem could become much bigger, given 358 homes and businesses in the town of 5,000 people were recently levelled by fire, she said.
She’s concerned the leases may impede rebuilding efforts and potentially cause financial harm.
The daily email you need for BC's top news stories.
Residents and all park visitors were forced to leave on the night of July 22. They remain out and, although the fire is extinguished in town, crews are still fighting flames in the park.
Reed said those who don’t want to rebuild may also face challenges.
There have been instances in the past where property owners have taken insurance payouts after their homes were destroyed, rather than electing to rebuild, only to be blocked by Parks Canada from selling the vacant land to a prospective buyer, she said.
One owner wanted to take a buyout and then just sell the vacant lot. And Parks Canada said ‘No, you cannot sell a vacant lot. You need to sell a new build,'” Reed said.
“What I’m freaked out about here is people are a couple weeks into talking with their adjusters and they’re looking at their buyout values, and they’re thinking, ‘That sounds good.’”
Historian Alan MacEachern with Western University said the lease system dates back to the 1880s, shortly after Canada’s first prime minister, John A. MacDonald, and the federal government took inspiration from the United States and made Banff National Park the country’s first.
At the time, MacEachern said MacDonald wanted to make sure leases were given to the wealthy to ensure buildings in Banff, Alta., were as remarkable as the scenery.
Over the years, the government made many changes to the system, MacEachern said, such as lengthening the lease terms to 42 years from the original 21 and introducing renewable leases, but shortly after made them non-renewable again.
MacEachern said the upshot is leaseholders feel the government has too much power, while Ottawa is concerned it gave up too much control.
“Basically, they set up a system in the late 1800s and early 1900s that on the one hand helped create Banff and other places but in a way made nobody happy,” MacEachern said.
Nowadays, these leases don’t necessarily govern the day-to-day lives of park residents, Reed said, but they’re “powerful,” frustrating documents.
“At the end of the day, for the person that’s actually buying a house, it looks normal,” she said.
“It’s the lawyers — we pull our hair out.”
Once the lease problems are solved, Jasper homeowners need to follow two sets of rules for rebuilding.
The town’s land use policy dictates what kinds of buildings can be built and where. And Parks Canada’s building regulations covers things like acceptable home exterior colours and roofing materials.
Reed said the fire has no effect on the leases that Jasper residents hold, but rebuilding will require getting all the necessary Parks Canada approvals, just like they need for home renovations.
“It’s a pretty slow process to get development approved,” she said.
However, Reed added that she’s confident Parks Canada will be flexible in the months and years to come — and officials have indicated as much.
This week, Jasper Mayor Richard Ireland and Parks Canada officials told a town hall for evacuees that an exemption will be made to the rule outlawing new mobile homes in Jasper for those who lost their mobile homes to the fire.
Both Parks Canada and the Ministry of Environment and Climate Change, which is responsible for Parks Canada, did not respond to emailed questions about leases and rebuilding in Jasper.
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mandsleanan · 7 months
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Sorry, parents: The American dream is only for DINKS
Homebuyers with kids will likely spend 66% of their income on a mortgage and childcare this year.
Parents in Los Angeles and San Diego can expect to spend as much as 121% and 113%, respectively.
Some Californians have moved across the country to afford to buy a home.
Thinking about buying a home this year with kids already in the picture? Get ready to dig deep.
A recent study from Zillow found that potential homebuyers with children are likely to spend 66% of their income on mortgage payments and childcare expenses — an increase of nearly 50% from 2019. 
The real-estate company estimated city- and state-level childcare costs from 2009 to 2022 for the typical American family with 1.94 children by analyzing data from the Women’s Bureau of the US Department of Labor and advocacy group Child Care Aware.
According to Zillow’s analysis, in 31 of the largest 50 US metropolitan areas with available childcare cost data, families looking to buy a home can expect to spend more than 60% of their income on mortgage and childcare costs.
Some areas are even costlier, with parents in cities like Los Angeles and San Diego needing to dedicate as much as 121% and 113%, respectively. (In those areas, the cost of buying a typical home and childcare is so big relative to the median income that Zillow's calculation results in figures over 100%.)
Zillow determined that a family earning a median household income of $6,640 per month can expect to allocate $1,984 of that to childcare. If the family purchased a house at a 6.61% interest rate — the rate in early January, when the US Department of Labor released its latest data on childcare costs — and made a 10% down payment, their monthly mortgage would amount to $1,973.
That leaves just $2,683 for additional expenses like food, transportation, and healthcare. This means many households with kids are financially strained; they're likely spending more than 30% of their income on housing, well above what experts recommend.
It all adds up to a costly reality that's making the American dream of homeownership seem farther out of reach for parents than ever before.
Parents can blame a yearslong battle with inflation, as well as stubbornly high home prices and mortgage rates, for contributing to their predicament.
Based on the study, a new buyer household in the United States, making the median income, would spend 30% of it on housing. It's paying for childcare, then, that adds so much on top of the housing budget.
The upshot: Another group, less encumbered financially, appears better poised to realize the dream of homeownership: "DINKS," an acronym that stands for "dual income, no kids."
Some child-free DINKS — who boast a median net worth above $200,000 according to the Federal Reserve's Survey of Consumer Finances — devote their disposable income to luxuries like boats and expensive cars.
Without the financial obligations of raising children, such as covering medical expenses or enrolling them in daycare or private school, DINKS can save thousands of dollars a year and build greater long-term wealth.
Some DINKS use their savings to finance vacations and travel the world, like Elizabeth Johnson and her husband, who, over the past couple of years, have hiked in the Swiss Alps, snorkeled in Hawaii, and enjoyed leaf peeping in Canada.
"We hang out with other people's kids every once in a while," Johnson previously told Business Insider's Bartie Scott and Juliana Kaplan, "but then we happily just give them back to their parents."
Some Americans with kids move to places where their money goes further
One solution to the high cost of both buying a home and raising a family?
Move.
In recent years, young Americans in higher-cost states have decided to move to places that offer them a cheaper cost of living.
Janelle Crossan moved to New Braunfels, Texas, from Costa Mesa, California, in 2020 following a divorce.
She was able to become a first-time homebuyer and found a safe community to raise her son.
"I paid $1,750 for rent in a crappy little apartment in California," Crossan told BI earlier this year. "Now, three years later, my whole payment, including mortgage and property taxes, is $1,800 a month for my three-bedroom house."
Pengyu Cheng, a program manager for a tech company, told BI in 2023 that moving from California to Texas allowed him and his wife to afford their first home, giving them the confidence and security to have their first child.
"Living in California has always been expensive," Cheng said. "I knew that when my wife and I eventually expanded our family, we wouldn't be able to afford San Francisco or the Bay Area in general — even though we both earn good salaries."
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laresearchette · 6 months
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Monday, April 01, 2024 Canadian TV Listings (Times Eastern)
WHERE CAN I FIND THOSE PREMIERES?: VANDERPUMP VILLA (Disney + Star) THE SYNANON FIX (HBO Canada) 9:00pm
WHAT IS NOT PREMIERING IN CANADA TONIGHT?: 2024 iHeartRadio MUSIC AWARDS (FOX Feed) LOVERS AND LIARS (CW Feed) ALL AMERICAN (Premiering on April 08 on Showcase at 8:00pm)
NEW TO AMAZON PRIME CANADA/CBC GEM/CRAVE TV/DISNEY + STAR/NETFLIX CANADA:
AMAZON PRIME CANADA ALLAN QUATERMAIN & THE LOST CITY OF GOLD AT CLOSE RANGE BLAME IT ON RIO BLOODSPORT BREATHLESS BULLETPROOF MONK CASINO CLASS DARK BLUE DARK ANGEL DR. SEUSS’ THE CAT IN THE HAT EYE OF THE NEEDLE FLAWLESS FLESH+BLOOD HARLEY DAVIDSON AND THE MARLBORO MAN KOYAANISQATSI THE LAST WALTZ LOL: CHI RIDE E FUORI (Season 4) MOBY DICK NOT WITHOUT MY DAUGHTER THE PARTY ROLLING THUNDER TOP GEAR (Seasons 14-25) THE TRAIN VALLEY GIRL VAMPIRE’S KISS WARCRAFT WHITE NIGHT
CBC GEM DYLAN’S PLAYTIME ADVENTURES
CRAVE TV LITTLE JESUS THE SYNANON FIX (Season 1, Episode 1)
DISNEY + STAR VANDERPUMP VILLA (Three-Episode Premiere)
NETFLIX CANADA THE MAGIC PRANK SHOW WITH JUSTIN WILLMAN
CURLING (TSN/TSN5) 8:00am: LGT World Men's Curling Championship: Canada vs. Italy
NHL HOCKEY (SN) 7:00pm: Panthers vs. Leafs (SN Now) 9:00pm: Oilers vs. Blues (TSN3) 9:00pm: Kings vs. Jets
MLB BASEBALL (SN1) 8:00pm: Jays vs. Pirates (SN Now) 10:00pm: Giants vs. Dodgers
NBA BASKETBALL (SN Now) 8:00pm: Suns vs. Pelicans
MURDOCH MYSTERIES (CBC) 8:00pm: After a man dies in a drunken brawl at the Starbright Lounge, Murdoch's suspect is another detective.
WARDENS OF THE NORTH (Discovery Canada) 8:00pm (SERIES PREMIERE): Conservation officers crack down on boaters not complying with the law; a routine fishing patrol has officers tracking down over-the-limit anglers; a kayaker is reminded that lifejackets work best when worn, even when close to home.
SOCIAL MEDIA MURDERS (T&E) 8:00pm (SERIES PREMIERE): Alex Rodda, a 15-year-old teenager, is murdered by 18-year-old Matthew Mason in December 2019, six weeks after they first exchange messages via social media.
SECRETS IN THE ICE (Super Chanel Fuse) 8:00pm (SEASON PREMIERE): A grim discovery in a Swedish lake reveals ancient practices; in the Canadian Arctic, the fossil of a previously unknown mammal is found; bizarre ice formations in the Antarctic Ocean; a discovery off the east coast of Canada.
BELGRAVIA: THE NEXT CHAPTER (CBC) 9:00pm (SEASON FINALE): As Frederick grieves the loss of Clara, Enright receives a letter that pushes Frederick to confront his past; Clara and Davison adapt to life in the North, as Clara grapples with happy memories of home.
OUTBACK OPAL HUNTERS (Discovery Canada) 9:00pm (SEASON PREMIERE): The Bushmen bring in an explosives expert to blast through the toughest rock in Grawin; plus, a brand-new team brings cutting edge technology to the opal fields.
SPOOKED IRELAND (DTour) 9:00pm (SERIES PREMIERE): The team ventures to Charleville Castle, where they face a multitude of spirits who seem to have turned against the castle's current occupants by trapping them in cupboards and keeping them up at night with screams and singing.
EXPEDITION X (Discovery Canada) 10:00pm (SEASON PREMIERE): Phil and Jess explore the world's most haunted forest near the site of the Dracula legend and where Josh Gates had his most terrifying experience; during a night investigation, Jess finds herself being watched by someone or something sinister.
THE PLAYBOY MURDERS (Investigation Discovery) 10:00pm (SEASON PREMIERE): In the late '90s, Playboy twins Sandy and Mandy Bentley's fame soars until an affair with a Vegas High Roller leads to a fall from fame, stolen jewels, a shadowy buyer and a brutal double murder in the Hollywood hills.
MASTERCHEF AUSTRALIA (CTV Life) 10:00pm (SEASON PREMIERE): A group of 12 home cooks will compete with 12 former contestants.
MURDER AT MY DOOR WITH KYM MARSH (documentary) 10:00pm/11:00pm (SERIES PREMIERE): The story of 17-year-old Thomas Griffiths, who killed his girlfriend and arranged the crime scene to look like a suicide after she broke up with him. In Episode Two, 19-year-old Mundill Mahil lures a young TV executive to his death in an act of revenge following an attempted rape six months earlier.
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jaichaudhary · 2 days
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single family homes for sale in Calgary" as requested.
Introduction: A Booming Calgary Real Estate Market
The Calgary real estate market has seen a significant surge in demand, particularly in the single-family homes category. Driven by several factors including economic recovery, migration patterns, and changing buyer preferences post-pandemic, this sector is leading the way in Calgary’s housing market.
Homebuyers, investors, and even first-time home purchasers are witnessing Calgary’s market undergo notable changes, with single family homes for sale in Calgary becoming a focal point. This update will examine the current trends, reasons behind the rise in demand, and what buyers and sellers can expect in the near future.
Calgary’s Economic Landscape: Fueling the Housing Demand
The overall economic recovery in Calgary plays a crucial role in the demand for real estate. As oil prices stabilize and other industries in the region grow, more people are flocking to the city for job opportunities, increasing the demand for housing, particularly single family homes for sale in Calgary.
Recent data from the Calgary Real Estate Board (CREB) reveals that the city’s economic outlook has strengthened buyer confidence. This trend is particularly evident in the rise of single-family home sales, which have reached new heights compared to previous years.
Demographic Shifts and Migration Patterns
Another significant factor contributing to the growth in the Calgary housing market is the demographic shift. Calgary has long been a magnet for migrants from across Canada and internationally, attracted by employment opportunities and the quality of life.
Recent reports show that younger families and professionals are choosing Calgary over other major cities like Vancouver and Toronto due to its affordability and livability. This influx is driving up the demand for single family homes for sale in Calgary, as these new residents prefer the suburban lifestyle that many of these homes offer.
Post-Pandemic Shifts in Housing Preferences
The COVID-19 pandemic has reshaped how people perceive their homes. Lockdowns, remote work, and the desire for more space have caused a shift in what buyers are looking for. With more people working from home, there’s been a noticeable trend toward moving away from condos and smaller apartments to larger properties.
This has made single family homes for sale in Calgary incredibly appealing, as they offer more space, backyards, and room for home offices — features that are increasingly valued in the post-pandemic world. The desire for privacy and personal space has also led to increased demand for properties in suburban neighborhoods, contributing to the rise in single-family home sales.
Price Trends: What Buyers and Sellers Need to Know
One of the most critical aspects of the Calgary real estate market is pricing. The rise in demand for single family homes for sale in Calgary has naturally resulted in upward pressure on home prices.
In 2023, the median price for a single-family home in Calgary increased by about 12% compared to the previous year. While prices are rising, Calgary remains more affordable than many other major Canadian cities, making it a competitive market for buyers.
For sellers, this is an ideal time to capitalize on the current demand. The combination of low inventory and high buyer interest has created a seller’s market in Calgary, meaning homes are selling quickly, often above the asking price.
Neighborhoods on the Rise: Where to Look for Single Family Homes
Several Calgary neighborhoods have emerged as hotspots for buyers seeking single family homes for sale in Calgary. Understanding these areas can help buyers and investors make more informed decisions. Let’s explore some of the most in-demand neighborhoods:
Aspen Woods: Known for its luxury homes and family-friendly atmosphere, Aspen Woods is a desirable area for those looking for larger properties.
Mahogany: With its lakefront views and newer developments, Mahogany is attracting buyers who want modern amenities and plenty of outdoor space.
Altadore: This trendy neighborhood appeals to younger families and professionals with its vibrant community and proximity to the city center.
Each of these neighborhoods offers unique advantages, from proximity to schools and parks to convenient transportation links, making them prime areas for single family homes for sale in Calgary.
Supply Constraints and Housing Inventory Issues
While demand for single family homes for sale in Calgary continues to rise, the city is facing a supply constraint. Inventory levels remain lower than average, and new home constructions haven’t kept pace with the heightened demand.
This has led to an increase in bidding wars and reduced options for buyers, especially for those looking for affordable homes. The limited supply is contributing to the upward price trends, as buyers are forced to compete for fewer available properties.
The ongoing labor shortages in the construction sector, coupled with supply chain disruptions, have delayed many new housing projects, further exacerbating the supply-demand imbalance. These factors are critical in understanding the current market dynamics in Calgary.
Government Policies and Real Estate Regulations
Government intervention, both on the federal and provincial levels, has also played a role in shaping the Calgary real estate market. Policies that promote homeownership and favorable mortgage regulations have helped fuel the demand for single family homes for sale in Calgary.
However, rising interest rates pose a challenge for both buyers and sellers. As the Bank of Canada continues to adjust rates in response to inflation, mortgage affordability becomes a key concern for prospective buyers. Although rates remain relatively low, any further increases could cool down the market in the near future.
Investor Activity: A Hotbed for Real Estate Investment
Calgary’s real estate market is not just appealing to families and first-time buyers but also to investors. With the demand for single family homes for sale in Calgary rising, many investors see potential in rental properties and long-term appreciation.
The rental market in Calgary is competitive, with vacancy rates remaining low. Investors are capitalizing on this by purchasing single-family homes to rent out, knowing that the steady influx of new residents ensures a stable rental income.
Moreover, Calgary’s relatively low property prices (compared to Toronto or Vancouver) make it an attractive option for real estate investment, with significant potential for long-term capital gains.
Challenges and Risks in the Current Market
While the market for single family homes for sale in Calgary is currently booming, it is not without its challenges. Rising interest rates, inflation, and potential government interventions could slow the market’s growth.
There’s also the possibility of a housing correction, where prices may stabilize or decrease slightly if demand cools down or if economic conditions worsen. For buyers, the risk of overpaying in a highly competitive market is real, and for sellers, holding out for too long could mean missing the peak of the market.
Looking Ahead: Forecast for the Calgary Real Estate Market
The future of Calgary’s real estate market looks promising, especially for single family homes for sale in Calgary. Economists and real estate experts predict that the demand for these homes will continue to grow, particularly as more people migrate to Calgary for its affordable housing and strong job market.
However, much of this growth depends on factors like interest rates, housing inventory, and broader economic conditions. If supply constraints ease and mortgage rates remain favorable, the market is likely to remain competitive for the foreseeable future.
Conclusion: A Market on the Rise
In summary, the Calgary real estate market, especially for single family homes for sale in Calgary, is experiencing a period of significant growth. The combination of economic recovery, demographic changes, and shifting buyer preferences has created a seller’s market with rising prices and high demand.
For buyers, now may be the time to act, as prices are expected to continue rising, while sellers can take advantage of the current demand. Investors, too, can benefit from Calgary’s strong rental market and long-term growth potential.
As we look ahead, the Calgary real estate market remains one to watch, particularly for those interested in single family homes for sale in Calgary. Whether you’re buying, selling, or investing, staying informed on the latest trends and market conditions is key to making smart real estate decisions.
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Affordable Pre-Construction Condos Under $300K
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Finding a home you can afford isn't easy these days. Homes in Canada are getting pricier but there are some options you should look into like pre-construction condos. Pre-construction condos under $300k offer a great solution. These new builds cost less than existing homes. In many cities, you'll pay less for a pre-construction condo than one that's already built. You can often customize your new space. This makes pre-construction condos perfect for first-time buyers and investors.
Let's look at five exciting pre-construction condo projects with units under $300k:
Line 5 Condos South (Toronto)
Reserve Properties and Westdale Properties are building this 36-story tower in Toronto. It will have 450 units. Line 5 Condos South is in a great spot. You can walk to many places and easily use public transit. It's close to highways too. This makes it perfect for city living on a budget.
M City 6 (Mississauga)
Urban Capital and Rogers are creating M City 6. This 57-story building will have 830 units. It's part of a bigger planned community in Mississauga. M City 6 has great transit links and is near major roads. It's an affordable way to live in this growing city.
Corktown Condos (Hamilton)
Slate Asset Management is behind Corktown Condos. This 27-story building will have 372 units. It should be ready in 2028. Corktown Condos is in downtown Hamilton. It's near the GO Station and future LRT line. This makes it great for commuters and city lovers.
Sovereign Condos (Calgary)
Homes By Avi is building Sovereign Condos in downtown Calgary. Condo units here range from 461 to 1450 sq ft. Sovereign Condos is in a prime spot with an impressive walk score and transit score. You can walk to transit, shops, and fun places. Everything you need is nearby.
Metroside 3 (Calgary)
Graywood Developments is developing Metroside 3. It's part of the Fish Creek Exchange community in Southwest Calgary. This small building will have 55 units. Metroside 3 is near Fish Creek Park, one of Canada’s largest urban parks stretching over 19 kilometers. It's also well-connected to city amenities. It's an affordable way to live in one of Canada's best cities.
These projects show that you can find affordable homes in great locations across Canada. Look for pre-construction condos under $300k. You might find your dream home in a thriving city without spending too much.
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iambittythings · 6 months
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A very loved piece I was happy to see find a good home, this was the first hippocampus I'd done in a very long time. They're a childhood favourite that I'd loved since learning of them when I was small. What if pony, but also, a *mermaid*? Well little me, here's all that and a unicorn too. :)
If you'd like a beast, magical childhood fav or backyard basic, please check out Bittythings and Beasts. You can find me in person next at Anime North in Toronto.
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coreyleblancrealty · 6 days
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Discover Your Dream Home: St. Albert Homes for Sale
St. Albert, a charming city located just northwest of Edmonton, Alberta, offers an appealing blend of natural beauty, vibrant community life, and modern amenities. If you're considering moving to this thriving city, you'll find a variety of homes for sale that cater to different tastes and needs. From stylish condos to spacious family homes, the real estate market in St. Albert Homes for Sale has something for everyone.
Why Choose St. Albert?
St. Albert has consistently ranked as one of the best places to live in Canada, known for its family-friendly environment, excellent schools, and high quality of life. It combines the tranquility of suburban living with the conveniences of being near a major city like Edmonton. Residents enjoy a wealth of recreational activities, from scenic walking trails along the Sturgeon River to numerous parks and cultural events.
The city’s community-oriented nature, strong economy, and excellent healthcare services make it an ideal place for families, professionals, and retirees alike. Whether you're seeking a bustling neighborhood or a peaceful retreat, St. Albert offers a wide range of options for homebuyers.
Variety of Homes for Sale
St. Albert’s real estate market boasts a diverse range of properties that appeal to different types of buyers. Here's a glimpse of what you can expect:
Single-Family Homes
For families looking for more space, single-family homes are a popular choice. These homes typically feature large yards, multiple bedrooms, and spacious living areas, making them ideal for growing families. Many of these homes are located in quiet, established neighborhoods with easy access to parks, schools, and shopping centers.
Condos and Townhomes
For young professionals, empty nesters, or first-time homebuyers, condos and townhomes provide a more affordable yet stylish option. These homes often offer modern amenities, low-maintenance living, and are conveniently located near downtown St. Albert, where residents can enjoy a variety of dining, entertainment, and shopping experiences.
Luxury Homes
If you're in the market for a high-end home, St. Albert also has several luxury properties to offer. These homes are characterized by their prime locations, high-end finishes, and custom designs. Whether it’s a large estate overlooking the river or a modern architectural masterpiece, luxury homes in St. Albert cater to those with sophisticated tastes.
Key Neighborhoods to Explore
When searching for homes in St. Albert, certain neighborhoods stand out for their unique characteristics and amenities.
Lacombe Park: Known for its quiet, tree-lined streets and family-friendly atmosphere, Lacombe Park is a great option for those seeking a tranquil neighborhood with close access to schools and parks.
Erin Ridge: This newer development features a mix of modern single-family homes and townhouses. It's a great choice for families who want access to excellent schools and shopping.
Heritage Lakes: A picturesque area with beautiful homes situated near water features and parks, Heritage Lakes offers a peaceful, nature-inspired lifestyle.
North Ridge: A desirable community with modern homes, North Ridge appeals to families and professionals alike due to its proximity to parks, trails, and convenient commuting routes.
Buying a Home in St. Albert
Buying a home in St. Albert is not only a significant investment but also a lifestyle choice. The city’s real estate market offers a range of prices, making it accessible to both first-time buyers and those seeking upscale living. St. Albert's steady market and strong demand for homes ensure that buyers can find properties that align with their financial and personal preferences.
For those ready to start their home-buying journey, working with a local real estate agent can make the process smoother. Realtors familiar with the St. Albert Real Estate Buyer can offer insight into the best neighborhoods, current market conditions, and help you find a home that meets your specific needs.
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jeremy-solance · 7 days
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Top 5 Online Stores to Buy Area Rugs in Canada
Finding the perfect rug can be a daunting task, especially with the vast array of options available. But fear not, rug enthusiasts! Canada boasts a plethora of fantastic stores where you can find the ideal rug to elevate your home decor. From online giants to brick-and-mortar havens, these top 5 stores offer a diverse selection of area rugs to suit every style and budget.
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Rugs CA: Your One-Stop Shop for Discount Rugs
Rugs.ca is a true gem for those seeking discount area rugs without compromising quality. This online retailer boasts an extensive collection of area rugs in various styles, from traditional to modern, ensuring you'll find something to complement your home's aesthetic. With their commitment to offering the lowest prices online, Rugs Ca is a haven for budget-conscious shoppers.
The Rugs Outlet Canada: Where Style Meets Affordability
The Rugs Outlet Canada is another fantastic online destination for area rugs at unbeatable prices. They pride themselves on offering a wide selection of stylish and affordable rugs, making them a popular choice for those looking to refresh their home decor without breaking the bank. Their user-friendly website makes browsing a breeze, and their commitment to customer satisfaction ensures a smooth shopping experience.
Area Rug Shop: A Brick-and-Mortar Haven for Rug Lovers
For those who prefer the tactile experience of browsing area rugs in person, Area Rug Shop is a must-visit. Their knowledgeable staff is always happy to assist you in finding the perfect rug for your needs, making them a valuable resource for both seasoned rug enthusiasts and first-time buyers.
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CyrusCrafts Canada: Where Tradition Meets Modernity
CyrusCrafts Canada is a unique online store that specializes in Persian area rugs. Their collection features a wide range of eye-catching 8x10 Persian area rugs, perfect for large areas. CyrusCrafts Canada is a great option for those seeking unique and high-quality area rugs that will become treasured family heirlooms.
The Rug District: Your One-Stop Shop for Rugs, Mirrors, and Lighting
The Rug District is a comprehensive online store that offers a wide selection of area rugs, mirrors, and lighting. They are a great option for those looking to complete their home decor with a cohesive look. Their commitment to offering quality area rugs at the lowest prices makes them a popular choice for budget-conscious shoppers.
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Finding the Best Area Rug Online Store in Canada
When it comes to finding the best area rug retailer in Canada, there are several factors to consider. Price, selection, customer service, and shipping options are all important factors to weigh. The stores listed above all excel in different areas, so it's important to choose the one that best meets your individual needs.
Ultimately, the best way to find the perfect rug is to explore different options and compare prices. With so many fantastic stores to choose from, you're sure to find the perfect rug to elevate your home decor.
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