#how to get a second mortgage in toronto

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Second mortgage settlement attorney 10 tips

Second mortgage settlement attorney 10 tips

Second Mortgage Settlement Attorney Second mortgage settlement attorneys can help you to negotiate and finalize a settlement with your lenders, so that you can get your mortgage payments and other debt obligations resolved. They can also help you to understand your rights and options, and to make sure that you’re getting the best possible deal. 1. Choosing a second mortgage settlement…

[bisphenol-a]

If you listen to Canadian politicians, the solution to our housing crisis seems to be some combination of immigration reform and a herculean countrywide building effort.

But Paul Kershaw, a public policy professor at the University of British Columbia and founder of the affordability advocacy group Generation Squeeze, says the emphasis on increasing housing supply obscures an issue politicians are less likely to address.

Namely, that we, as a country, have become addicted to ever-rising home prices, largely because we've been conditioned to see our homes as financial assets.

"There are multiple things we need to do [to reduce prices], and more supply is one of them," said Kershaw. But funding announcements for building projects are a "way to organize our concern about the housing system so that we don't have to … look in the mirror — particularly homeowners who have been homeowners for a long time — and say: 'How are we entangled?'"

He said the current system incentivizes extracting profit from real estate, rather than prioritizing that everyone has access to affordable shelter.

"We need clarity about what we want from housing," said Kershaw. "And it has to start with: 'We don't want these prices to rise any more.'"

Asked about an Alberta bill that would block the federal government from directly sending funding to cities, Prime Minister Justin Trudeau said provinces who don't want to solve the housing crisis should "just get out of the way."

The trajectory of home prices is well-known to most Canadians. According to the Canadian Real Estate Association, the average home in January 2005 sold for $241,000. By February 2022, it had more than tripled, before easing somewhat to $719,400 in February 2024.

On Friday, Royal LePage released a forecast that suggested the aggregate price of a home in Canada will increase nine per cent year-over-year in the fourth quarter of this year.

Meanwhile, earnings in Canada have lagged significantly behind housing costs, such that the ownership costs on an average home consume more than 60 per cent of median household income, according to a recent RBC report.

On the face of it, the lack of affordable housing seems like an issue of supply — just build more to meet demand and prices will come down. 

But part of the problem is the source of that demand: it's increasingly investors. 

The Bank of Canada found that investors were responsible for 30 per cent of home purchases in the first three months of 2023. That's up from 28 per cent in the same period in 2022 and 22 per cent in the same period in 2020. 

That report also found the percentage of first-time homebuyers dropped to 43 per cent in the first quarter of 2023 from 48 per cent in the same three months in 2020.

"What's been happening over the last 10 years is that the share of homes bought by first-time buyers has been declining, and their market share has largely been taken over by investors," said John Pasalis, president of Toronto-based Realosophy Realty.

The Bank of Canada's definition of an investor is a buyer who took out a mortgage to purchase a property while maintaining a mortgage on another home.

The central bank has said that "during housing booms, greater demand from investors can add to bidding pressures and intensify price increases."

Early in the COVID-19 pandemic, we saw an uptick in people buying second properties. 

Robert Hogue, assistant chief economist at RBC, says a combination of low interest rates at the time and many people sitting on large savings "encouraged speculative activity."

But he doesn't see current high prices "as only being a problem of speculative activity."

House-flippers and foreign buyers are often singled out as major drivers of real estate speculation, and various jurisdictions in Canada have introduced legislation to neutralize those kinds of investments.

But Pasalis said those types of buyers aren't having a major influence on prices. Domestic investors in the low-rise housing market are having a much greater impact.

He said they generally fall into two categories: those who buy directly from developers and those who are moving but decide to hold on to their first residence.

"If they're upsizing or moving out of the province or country, the first question we get is: 'Can we keep our current home as a rental?'" said Pasalis. 

"They're not like active investors. They're just looking at the market, they're looking at how quickly home prices are going up. Everyone sees housing as a decent investment, so everyone's mindset is: Why should I sell it?"

It's one reason there's less housing supply for first-timers.

Purchasing a home has a variety of benefits. It gives many people a sense of accomplishment and the security of knowing they can't be evicted. It also allows them to build up equity, which can help fund renovations, a move to another residence and even retirement. 

Many families pass properties on to subsequent generations, which also makes home ownership something of an emotional investment.

Higher prices help existing homeowners tap more home equity and reap greater profits if and when they do decide to sell.  Governments also have an interest in high property values because they translate to larger tax revenue, said Diana Mok, associate professor of real estate at the Lang School of Business and Economics at the University of Guelph in southern Ontario.

Not only that, but real estate is the single-biggest contributor to Canadian GDP, according to Statistics Canada.

"The housing market encompasses a very large variety of sectors — think about realtors, think about lawyers, think about construction," said Mok. It's not just "all the buying and selling, but it's all the labour that contributes to the economy."

While Prime Minister Justin Trudeau has publicly lamented high prices, Hogue said he can't imagine "any government that would intervene to lower home prices as an objective. I don't think that would be a winner from a political point of view."

Naama Blonder, an architect and urban planner with the Toronto-based firm Smart Density, says part of the problem is a societal obsession with home ownership.

"I think many Canadians think that when we are talking about the affordability crisis, we are talking about their ability to own a house with a backyard. 

"For them, 'We are priced out of owning a house, therefore, we have an affordability crisis that we need to solve.' I have news for you … what worked for our parents is not going to be the model for us," said Blonder.

"We don't have politicians who are bold enough to say: 'It's more than OK to rent.'"

The upcoming federal budget on Tuesday will undoubtedly contain a number of measures to address the housing shortage. Recent funding announcements have responded to the desire for more rental housing, but the scale of the need is daunting.

In a 2024 report, the Canada Mortgage and Housing Corporation said despite a record number of projects started between 2021 and 2023, "this increase will not meet the growing demand. As a result, rental markets will remain tight, particularly in the pricier areas of Canada."

Pasalis said that for all the hand-wringing over housing prices, he doesn't see there being any political will to rein in investors. And he's skeptical of the federal government's recently announced financial incentives to help first-time buyers get into the market.

Putting young people further in debt "is not a way to make housing more affordable," he said. 

Kershaw of Generation Squeeze says a broader "tax shift" is required. He advocates an annual tax on "housing wealth" aimed at the owners of the most valuable 10 per cent of homes in Canada as one way to dampen housing prices, while also raising funds to invest in affordable housing.

"What started happening in B.C. and spread throughout the country is that we weren't just satisfied with paying off our mortgage to build equity. We're like: 'You know what? I want this home price to double, triple, quadruple.'"

When existing homeowners want prices to rise faster than earnings in the local economy "is the moment you want a wealth windfall for those who are owners now that will come, by definition mathematically, at the expense of affordability for those who follow," Kershaw said.

"That's the trouble we've gotten ourselves into. And if we cannot have that conversation, we will never solve the crisis of housing affordability."

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From one of Canada's tallest condo towers to bare tracts of land, residential development projects across the country are increasingly being pushed into receivership. Elevated interest rates, construction costs and delays, and a slower real estate market are all contributing to the rising frequency of projects coming under financial stress, say experts.

Receiverships are a way for secured lenders to have the court appoint someone to take control of the property and either liquidate it or otherwise maximize the value of the assets.

While often thought of as a last resort, CBRE has seen an increase in receiverships as bigger construction projects with multiple mortgages and parties involved start to run into trouble.

That was the case in Kitchener, Ont., where creditors filed for receivership against the owners of the Elevate Condominiums project, planned as four towers. By the time the filing was made in October, construction crews had already left the site, leaving it 80 percent done but not weather-sealed. A December report found that the owners had a mere $300 in the bank when the receiver order went through and owed over $100 million.

Creditors on a planned 55-story condo tower in downtown Vancouver filed for receivership in mid-January, including BMO, seeking repayment of more than $82 million in loans. Some projects run into trouble even after construction is complete. Duca Financial Services Credit Union Ltd. filed an application on Jan. 19 against a Mizrahi Inc. condo project at 128 Hazelton Ave. in Toronto, seeking repayment of its $16-million loan.

While the largest developers can generally still secure funding, smaller ones are finding it hard to get more money as the second-tier lenders they often rely on become more cautious, said Czestochowski.

Ontario has seen the bulk of receiverships in recent months; in the past year, the process has been applied to everything from a historic bank building in Saint John, N.B., to a fire-plagued apartment in Winnipeg. High-rises are white, given all the challenges and delays these projects present.

The One, an 84-story building under construction in Toronto that Mizrahi Inc. is also developing, is the most high-profile project to face receivership recently. Filed in October, court documents showed the developer has $1.7 billion in debt and expects construction to be finished two years late and $600 million over budget.

Other notable developments include creditors pushing in November to have receiverships put in place on at least five projects by Vandyke Properties covering more than 1,700 units in the Greater Toronto Area, some already under construction, with claimed debts topping $200 million.

Receivership is available to secured creditors to recoup their money when borrowers default. The focus of the process is to maximize the value, said Dan Wootton, a partner at Grant Thornton's restructuring practice, so it could mean completing the project with the existing developer, as is the case with The One, or just trying to sell as-is.

Lenders will generally try to work with borrowers, and there will often be more than one missed payment before the route is taken.

In December, a B.C. judge denied a request to leave Coromandel Group with about $700 million in secured debt across 16 properties. The decision to deny it was based on some of the properties already in their receivership. When approved, a receiver will assess what it would cost to finish the project and compare that against how much a developer can expect to bring in with the sale of units. When that works out to a shortfall because of higher-than-anticipated costs.

Buyers are sometimes given the option to pay more for projects. They are also getting into trouble because buyers can no longer qualify for a mortgage at the higher price, forcing developers to try and resell them in a quieter market. Trying to resell whole projects is difficult in this market, as many are.

The last time receiverships were this bad was likely in the early 1990s, she said, but the overall market is at least still more active than back then, with interest still coming in on potential receivership sales. The market, though, still has some ways to go before a recovery, said White.

The divers of Newfoundland's Clean Harbour Initiative are usually pulling trash from the ocean, but they recently got to help secure an ancient shipwreck found near Cape Ray, which could shed light on the mystery of where it came from. The ragged, overturned hull emerged last week off of Cape Ray, on the shore of J.T. Cheeseman Provincial Park.

Residents have quickly sprung into action to find ways to secure the vessel in the water so they can keep it in place and learn more about it. That's when the Clean Harbour Initiative, which was working in nearby Port aux Basques, got involved.

Croft estimates the vessel is about 30 meters long and nine or 10 meters wide. It's lying upside down on the ocean floor, he added and has copper and brass spikes sticking out of the ship's keel.

Croft said it's tough to tell how old the boat is, but said the vessel looks to be made of solid oak that is covered in a substance to waterproof it.

Members of the provincial government's archeology office are planning to visit the shipwreck on Saturday, according to a news release, where they'll take pictures and videos and collect samples of the ship's wood core. The release said it's too early to speculate if the ship is historically significant or where it could have originated from.

Croft hopes something can be done to preserve the vessel, saying it could serve as a tourism attraction for Cape Ray.

[ratetradecanada-blog]

What is the Average Age to Buy Your First Home in Canada?

For many Canadians, buying a home is a significant milestone in their lives. However, the average age at which Canadians buy their first home can vary depending on several factors. In this blog post, we will explore the average age of first-time homebuyers in Canada, the factors that influence this age, and tips for those looking to buy their first home.

Factors Affecting the Average Age of First-time Homebuyers:

Several factors influence the average age at which Canadians buy their first home. The first factor is the affordability of housing. The cost of homes in Canada's major cities, such as Vancouver and Toronto, has increased significantly in recent years, making it challenging for first-time buyers to enter the market.

The second factor is the economic climate. When the economy is doing well, and employment rates are high, more people can afford to buy their first homes. Conversely, during periods of economic uncertainty, people may delay purchasing a home until they feel more secure about their finances.

The third factor is cultural attitudes towards homeownership. Some cultures prioritize homeownership as a marker of success and independence, while others view it as less important. These cultural differences can influence the average age at which people buy their first homes.

Regional Variations in the Average Age of First-time Homebuyers:

The average age of first-time homebuyers in Canada varies by region. According to a report by the Canadian Mortgage and Housing Corporation (CMHC), the average age of first-time homebuyers in Toronto is 35. In Vancouver, it is 33, while in Calgary, it is 32.

In contrast, in smaller cities and rural areas, the average age of first-time homebuyers is lower. For example, in Halifax, the average age is 29, while in St. John's, it is 28.

Tips for First-time Homebuyers in Canada:

If you are a first-time homebuyer in Canada, there are several things you can do to make the process smoother. Here are some tips to keep in mind:

Determine your budget: Before you start looking for a home, it's essential to determine how much you can afford to spend. Consider your income, expenses, and any other financial commitments you have.

Get pre-approved for a mortgage: Getting pre-approved for a mortgage can give you an idea of how much you can borrow and help you narrow down your search for a home.

Work with a real estate agent: A real estate agent can help you find properties that meet your needs and budget and guide you through the buying process.

Consider the location: The location of a property can impact its value and your quality of life. Consider factors like proximity to public transportation, schools, and amenities.

Conclusion:

The average age at which Canadians buy their first home varies depending on several factors, including affordability, economic climate, and cultural attitudes. Regional variations also exist, with younger first-time homebuyers in smaller cities and rural areas. For first-time homebuyers in Canada, determining your budget, getting pre-approved for a mortgage, working with a real estate agent, and considering the location can help make the process smoother.

[tridelcondos]

How to finance your pre-construction condo in Toronto: Tips and tricks

Financing a pre-construction condo in Toronto can seem daunting, but with the right approach, it's possible to secure the funding you need to make your dream home a reality. Here are a few tips and tricks to keep in mind:

First, start by getting pre-approved for a mortgage. This will give you a better sense of how much you can afford to spend on your new home, and will make it easier to navigate the financing process.

Second, consider working with a mortgage broker. A broker can help you find the best rates and terms for your mortgage, and can save you time and effort by doing the legwork for you.

Third, be sure to shop around for the best deals on mortgage rates and terms. Don't be afraid to negotiate with lenders to get the best possible deal.

Fourth, consider putting down a larger down payment. This can help you secure a lower interest rate on your mortgage and reduce your monthly payments over the life of your loan.

At Tridel, we offer a range of pre-construction condos in Toronto, designed to meet the needs of a wide range of buyers. To learn more about how to finance your pre-construction condo in Toronto, click at https://www.tridel.com/north-york-condos-for-sale/ to view our North York condos for sale and speak with our team of experts today.

[condoroyalty]

Factors to Consider Before Purchasing a Second Home

A second home in the form of Toronto condominiums is always a good idea for anyone with the money to spend. It doubles up as an investment plan when you are not staying there. However, for a majority, purchasing a second home equals a second mortgage. That means there are a number of factors that you must account for before purchasing, including taxes, payment terms, the purpose of the home, and general affordability. Here are more factors to consider before starting this investment plan.

Can you afford a second home?

This is the first thing to consider because, without finances, you cannot start the project. At this point, you should have fully repaid your first mortgage or have made consistent and timely payments. Remember that interest rates for a second mortgage are often higher than the first mortgage. You must show your lender that you can pay for both and have something left to spare.

What is the Purpose of the Second home?

The tax implication is significantly different when you are keeping the second homes as personal residences as opposed to a rental property. If you keep it as a personal home, the mortgage will be tax deductible. However, if you treat it as an investment property and earn income for more than 14 days per year, you cannot deduct the mortgage interest on that property, but you can deduct expenses on the upkeep of the property.

Get a Mortgage Pre-approval

When a lender pre-approves your mortgage for Toronto condominiums, you know how much they will loan you to secure a property. This decision depends on an extensive review of your employment history, financial status, and credit history. The pre-approval notice comes with the terms of the loan and initial interest.

Toronto condominiums are often considered for second home investments. If you have this project in mind, consider the above factors before taking the big step.

[mortgagedeliveryguy]

Closing Cost #3: Land Transfer Tax Ontario - Mortgage Delivery Guy

This is the tax a home buyer pays to the provincial government. In Toronto Ontario, you pay provincial plus the municipal tax. As a first time home buyer in Ontario, you get a rebate of $4,000.If you like to know how much land transfer tax you will pay on your next purchase in Ontario, download our free mortgage calculator app.

Although most of the first-time home buyers will not be charged lender and/or broker fees, there are some instances where this fee will be charged. It is worth noting that some mortgage brokers and lenders also charge an application fee and/or application fee to initiate the approval process. But in most instances, especially for conforming deals (credit, income, and down payment/ home equity), there are no fees charged to the borrower and the broker gets paid by the lender. One example is private mortgages, second mortgages, or even Alternative A lenders

Another cost to be aware of is, the lawyer’s fees you will have to pay to either a lawyer or notary for registering your mortgage. It ranges from $800-$1300, depending upon the lawyer you decide to work with. A statement of adjustments will be prepared by a lawyer/ notary outlining all the fees involved prior to closing. Many times home buyers assume a lawyer’s fee as the total legal fee, which is not true. The legal fee costs includes the lawyers and any other administrative costs to complete the real estate purchase or refinancing transaction

[mega-mortgage-broker-toronto]

Best Second Mortgage Lender in Toronto

Need a second mortgage for your property in Toronto?

You should get in touch with the team at ABC Mortgages. We will note down all your mortgage needs and ensure that you get a plan that’s both affordable and meets all your requirements. We understand, that the paperwork for mortgages can be challenging if you’re not that familiar with the rule and regulations. Especially with a second mortgage, you would have to calculate about equity and how much loan you’re eligible for. Well, you can leave all that to us. We will do take care of everything to make sure that the mortgage is processed in no time. Want to know more about this policy? Contact our mortgage brokers at ABC Mortgages, schedule an appointment. We serve clients across Toronto.

So, what is a second mortgage?

In simple terms, a second mortgage is an additional loan that you take out on a property while you’re still paying off the primary mortgage. You would know that as you pay off your primary mortgage, you gain back a certain percentage of equity of your home and if you have enough of it, you can use that equity to apply for a second mortgage. You can borrow up to 80% of the appraisal value of your home minus the primary mortgage balance amount.

With the loan amount, you can use it to pay off high-interest debts, property and tax arrears, invest in your business-the choice is up to you. You should know that you will still be paying your primary mortgage but at the same time use the second mortgage cash to pay of your primary mortgage. Give us a call for more details, we are based in Toronto.

Choosing a second mortgage broker

Generally, if you’re not happy with the terms and conditions of your primary mortgage, you can consider looking out for a second mortgage broker. By drawing out a fresh deal, you can tailor the contract as per your need and we at ABC Mortgages can help you with that.

You can speak with us about what type of plan you’re looking for and also resolve any queries you may have while we start with the paperwork. This way, you will always know what’s on the contract that you’re signing on. We also have a network of reputable money lenders who can lend you the funds you need at a reasonable interest rate. (Note that our interest rates for second mortgages start at 4.99%)

[tridelcompany]

9 Mistakes Pre-Construction Condo Investors Make

Condos are turning into an inexorably alluring choice for real estate financial backers across Canada. As indicated by a CIBC study, almost 50% of Toronto condominiums were offered to condo financial backers.

This pattern isn't unexpected. The diminished support trouble opens up the financial backer's time while the alluring areas of condo advancements help pull in quality inhabitants. Also that condos are considerably more moderate than single disengaged homes making it simpler to produce month to month income.

Buying a pre-development condo is an extraordinary method to secure a low cost on a resource that is likely going to value the day you take the keys. Be that as it may, there's likewise numerous snares a financial backer can fall into when buying pre-development also you can enquire now.

Try not to get discovered submitting these exorbitant missteps:

Buying From an Inexperienced Developer

The present hot business sectors make it tempting for new designers to get in on the activity in order to make a brisk buck. Shockingly this absence of involvement can carry with everything kinds of issues. For instance, if the undertaking supervisory group is new, expect delays in conveyance dates. Corners were cut on underlying or mechanical parts? Anticipate expensive uncommon evaluations.

Buying a speculation property from an accomplished designer mitigates a portion of those dangers. Notwithstanding, some portion of a condo financial backer's expected steadiness includes exploring even the most encountered engineer's history.

Disregarding the Cap Rate and Rental Potential

When looking for pre-development, take a gander at whether the area has rental potential. Would tenants like to move there or does the territory need a couple of more years to improve? Nothing illuminates negative income like an unfilled condo.

Also, part of due industriousness includes statistical surveying and discovering how much lease you'll have the option to charge per square foot. Ascertain the cap rate and if the numbers appear to be tight on paper, they will not improve when you claim the condo.

Misinterpreting Rises in Maintenance Fees and Mortgage Interest

So you've discovered an advancement that meets your ideal cap rate and are prepared to sign? Perhaps take a couple of seconds to consider that the condo expenses you're putting together your computations with respect to are gauges by the designer at the hour of shutting. When the property consolidates, it's conceivable that the occupants may decide in favor of an ascent to develop the possibility asset or pay for changes to normal components the engineer avoided. Also that after some time, these charges rise year-on-year.

A similar idea applies to contract interest. Recollect that since 2007, we've approached modest cash. In any case, contract rates can change with monetary occasions. Ensure yourself by considering the danger that throughout the following decade, premium could rise which will influence the productivity of your venture.

Getting Dazzled by Amenities

Shared conveniences like spas, stylish parlors, wine basements and canine walkers are extraordinary additional items that will charm planned occupants. They're likewise going to cost you a fortune in condo charges – those repetitive costs that don't expand value.

You're not buying this condo for yourself or your family so don't become involved with the designer's publicity. Extravagant conveniences may pull in the consideration of tenants however it doesn't really decipher in marking higher leases. Leaseholders need the essentials, yet there's a breaking point to the amount they'll pay for the additional items.

Paying for Upgrades That Aren't Necessary

Time after time, condo financial backers are under the feeling that skirting on a specific overhaul will restrict how much pay they can produce with the property. In all actuality, except if you're in the most elevated pay zone of your city, occupants will not compensation many dollars more for tasteful redesigns.

Hardwood versus designed floors, quartz versus stone ledges and high versus low floors are instances of expensive overhauls that will not really convert into higher rents. The units will introduce similarly too to forthcoming inhabitants. The stunt here is to make the determination that is like the exceptional redesign.

Thinking little of Closing Costs

Contingent upon the designer and the market you're in, a portion of the end costs at the time you sign are assessments of what's expected upon ownership. Legitimate charges, land move charge and prepaid property charges are moderately simple to foresee. In any case, costs like civil improvement tolls may out of the blue be expected.

Advancement demands are paid by the designer to the region and were gauges when the engineer applied for the grant. Between the time the venture is affirmed and when you get the keys, these can go up and sum to a large number of dollars. Arrange a cap on such factor shutting costs whenever the situation allows. Something else, plan a possibility reserve for such a circumstance.

Including Your Lawyer Too Late

Pre-development condo financial backers at times feel that they're nearly losing on a decent arrangement in the event that they don't close rapidly. In the event that the numbers look great and the exploration is strong, why not transfer ownership of right?

The issue is that not having your attorney audit the documentation could expand your openness to hazard. A decent legal advisor will recognize liabilities like no covers on metropolitan tolls (see above), free conveyance date provisos and adaptable floor plan proclamations.

In certain territories, the buyer is qualified for a multi day chilling period. So in case you're in a serious market and really feel you'll pass up a major opportunity, utilize this for your potential benefit and have your attorney audit the agreement during this period.

Not Reviewing the Preliminary Bylaws

Some condo advancements inside and out boycott rentals. While this is uncommon, it's in any case a reality that could cost a condo financial backer. As a rule, the designer would have educated you already of his ordinance. Notwithstanding, if it's in the ordinances at the time you consented to the business arrangement, you have no response. Including a legal advisor from the beginning of the interaction (see above) for all intents and purposes wipes out this misstep.

Buying For Short-Term Rental Without Due Diligence

In case you're anticipating buying a venture for AirBnB or different types of momentary rentals, ensure the starter ordinances permit you to do as such. Remember that numerous advancements boycott momentary rentals once the inhabitants consolidate.

Now and again, the designer can be persuaded to incorporate granddad provisions for transient rentals. Nonetheless, it's ideal to talk with your real estate legal counselor heretofore as circumstances change from one territory to another.

Wrapping This Up

Condo financial backers buying pre-development have a great deal to acquire, particularly in roaring business sectors. All things considered, the deep rooted brilliant principles of real estate contributing: due tirelessness, numbers over feelings and flawless examination, actually remain constant.

[worklabournewsresearch]

Federal Budget 2021: National Child-Care Program is Ottawa’s Biggest Personal Finance Proposal

"There’s a game-changing win for family finances in the federal government’s budget proposal to deliver child care costing an average $10 per day. ... Introducing low-cost child care over the next five years is described in the budget as a productivity measure that works by getting women into the work force. But it’s also a savings for families on a cost that in big cities outside Quebec (where there is already a government daycare program) is known as the second mortgage. Median monthly child-care fees for infants outside Quebec range from $651 per month in Winnipeg to $1,866 in Toronto in the latest annual child-care report by the Canadian Centre For Policy Alternatives. Monthly toddler fees range from $451 in Winnipeg to $1,578 in Toronto. Daycare at $10 per day would be well under $250 per month."

The Globe and Mail, April 19, 2021: "Federal budget 2021: National child-care program is Ottawa’s biggest personal finance proposal," by Rob Carrick

Women are leaving work and taking up the burden of care

"Mothers in provinces heavily hit by school closures during the pandemic appear to be stepping away from their careers to provide childcare and homeschooling at a disproportionate rate, government data tied to the Canada Recovery Caregiving Benefit (CRCB) suggests. Women are applying for the federal benefit in greater numbers than men in all provinces, but the gaps are significantly higher in Ontario and Alberta, two of the provinces hardest hit by the pandemic. In those provinces, twice as many women as men have applied, whereas in Quebec and Manitoba, for example, women make up just 56 per cent of applicants."

"The high number of women applying for the caregiver benefit in those provinces matches overall labour trends during the pandemic. In 2020, while the average female employment rate across Canada retreated to levels last seen in 1996, both Alberta (1984) and Ontario (1993) have seen even greater retracements, according to [economist, Armine] Yalnizyan."

The Financial Post, April 19, 2021: "Women are leaving work and taking up the burden of care during pandemic, benefit data suggests," by Stefanie Marotta

Pediatric Child Health, Summer 2000: A national child care program: Now is the time by Martha Friendly

Canadian Public Policy, August 2020: COVID-19 and the Gender Employment Gap among Parents of Young Children by Yue Qian and Sylvia Fuller

CD Howe Institute Podcast, April 12, 2021: S3 E8: Strengthening Canada's Childcare System

Photo Source: (2021). Women are leaving work and taking up the burden of care during pandemic, benefit data suggests [Photograph]. The Financial Post. https://financialpost.com/fp-work/women-are-leaving-work-and-taking-up-the-burden-of-care-during-pandemic-benefit-data-suggests

[college-girl199328]

Some homeowners in Canada are finding themselves in a position as they approach the time to renew their mortgage. The renewal period can be a stressful situation at the best of times. But now, in some cases, private mortgage lenders choosing not to stick with existing borrowers. This comes down to dropping home prices, explains Reza Sabour, a senior mortgage advisor with TMG The Mortgage Group.

“The private lenders typically don’t like to renew private mortgages maybe more than once. So, once they see a client falling in that renewal loop, they’ll usually try their best to convince that client to qualify at a bank,” he told CityNews.

“And those clients, if they’re still unable to have a difficult time moving it elsewhere.” While urban centres like Toronto and Vancouver haven’t seen significant price drops, he notes some other communities have seen a more prominent slide.

“This definitely comes up where we see a sharp decline in property prices going to happen in parts of Canada that may be more susceptible to lower property values than some of the major cities,” Sabour explained.

“Certainly, across Canada in some of the smaller communities, this could be a thing we do see things tend to happen when rates go up quite dramatically.”

Sabour notes one of the main reasons for this is the fact that private lenders require their clients “have a relatively large equity stake in the purchase,” unlike with a bank, where you can typically buy with five percent or 10 percent down.

“With a private lender, you usually have to have at least 25 percent down,” he said. Sabour says there are various reasons a person may seek out a private mortgage loan over a federal one or one through a bank.

“The private lending category, which they are completely bypassing, essentially, any kind of a federal requirement for a stress test, and their decision making is really happening by a group of investors who are, essentially, pooling together their own risk tolerance and they’re pooling together their own money. Based on that, they’re pricing each deal as it lands on their desk based on that risk assessment,” he explained.

Someone may seek a private lender if they go through the other private route for second mortgages. “You may have a first mortgage with a bank in the first position. You’ve capped out the amount you can borrow. This happens with builders or small-time builders who are maybe building a single-family house or something they run out of money,” Sabour said.

“There could be a lot of reasons why someone would go to the private lender does require a client to have good credit.” That, he says, could mean a lender asks for a credit report, for example, to show investors there is a path to getting repaid.

In situations like the one we are in when prices are dropping in some communities across the country, Sabour says investors will look at what’s happening and decide “whether or not going to make sense for them to proceed at the same loan-to-value.”

He also notes it’s how a private lender first qualifies a client. “Most private lenders … are mixed mortgage investment corporations. They tend to be quite conservative because they have a pool of investors — four or five on that board, 10 people — and everyone has to be satisfied with the risk of that specific client landed on their desk to proceed,” Sabour told CityNews. “Every one of those investors always asks one main question what is the exit strategy for this client?”

Mortgages are typically one or two-year loans, unlike with a bank. “Every private lender will ask that client, ‘What is your exit strategy? Because we don’t want to have these funds out for more than a year. We want to have them back and invest them in other files.’ So, because it’s a quick turnaround, some of that onus is also on that client to have an exit strategy,” Sabour said.

If you find yourself in a situation where a private lender won’t let you renew, Sabour suggests you may have to go to a family member or someone close to you to co-sign on a renewal to get you out of a private lending situation.

However, he acknowledges not everybody has that option.

[puckinghell]

What Keeps You Up At Night | Morgan Rielly

Plot: Sleeping seems impossible but what is keeping you up at night? Word count: 3088 Note: I literally dreamed this last night so that’s where my brain’s at

You’d known that it was a bad idea to drink coffee at 7pm, but you had so much work to do that you’d ignored that warning voice in your head and done it anyway. Now, you were regretting it. Really regretting it.

You sighed. It was almost midnight and you knew you were going to be up for a while. You’d finished studying, and now you were wondering what to spend the rest of your night doing. Being up in the middle of the night wasn’t foreign to you. Insomnia was a bitch, and you were all too familiar with her.

There wasn’t anything on Netflix that caught your attention and you groaned as you sunk into the pillows of the couch. You might be fully awake, but even if your brain had decided it didn’t want to go to sleep, your body was exhausted and even keeping your eyes open was a struggle. Yet you knew if you closed them, you’d just be tossing and turning all night.

You weren’t sure when it had first started. You just remembered sleeping fine, and then not sleeping at all. Maybe it had been moving to your current apartment, although the background noises of the city of Toronto didn’t bother you nearly as much as they used to. Maybe it was the stress of college, although you’d been stressed in high school too, and sleeping hadn’t been a problem back then. Maybe it was because you’d been used to sleeping with your ex boyfriend and now you were sleeping alone, even though he was an asshole and you didn’t ever want to see him again.

Whatever it was, you would do anything for it to go away.

Your phone buzzed and you knew there was really only one person who could be texting you this late. It was the only other person that would also be awake at midnight on a Tuesday. Your best friend.

You’d half-watched the Leafs game on television, had it on in the background while you were studying, only looking up when someone scored or when the commentator talked about number 44. You couldn’t help it; not watching felt like you were betraying Morgan, even though you knew he would never see it that way. Then, you’d watched his post-game interview, just like you always did.

He hadn’t looked good. It wasn’t just that they’d lost and hadn’t played so well, although the frustration was written all over Morgan’s face. No, you were more worried about the dark circles under his eyes and how his face was a little more pale than usual. So you’d texted him:

Please tell me you’re going to sleep now.

His text back was clear and you were all too familiar with the feeling that it was describing.

If I could, I would.

You’d met Morgan in a 24 hour coffee shop, on one of those nights where sleeping at all seemed out of the question. It had been 4 am and you’d decided that instead of laying in bed aimlessly staring at the ceiling until your alarm clock went off at 6, you would go get a coffee and then go to the gym. If you were awake anyway, you might as well be doing something useful.

Morgan had been there too, nursing an extra large, black ice coffee, and staring out of the window with tired eyes.

“You look exactly the way I’m feeling,” you’d told him, as you started dumping sugar into your own coffee - who liked black coffee, anyway? - and he’d laughed, and somehow you ended up talking to him until the sun was fully risen. When you left him to go to class, you’d given him your phone number.

“Next time you can’t sleep, just call me. I’ll be awake for sure,” you’d told him, and he’d called you the very next night. Ever since then, you didn’t think there had been a day where you hadn’t talked to him, even if it was just a few texts back and forth.

You wanna come over and watch a documentary? you texted him now. The affirmation came not even a minute later and you curled up beneath your blanket, waiting for him to arrive.

Watching documentaries about subjects that could not possibly be any less interesting had been one of Morgan’s ideas; he’d theorized that it would simply bore you to sleep. Sometimes, it worked, although you weren’t sure if it had a lot to do with the documentaries. You wondered if it might have more to do with the fact that you always felt less jittery, and more relaxed, when your best friend was curled up on the sofa next to you, his warm body usually wrapped around yours, his steady breathing to focus on. You wouldn’t tell him that, though.

Ten minutes later, there were three rapid knocks on the door and it opened right away.

“How many times have I told you to lock your door?” Morgan frowned, and you shrugged.

“About as many times as I told you I’m a student and there’s nothing worth stealing here.”

“I’m not worried about your stuff, I’m worried about you.” Morgan threw you something and you yelped with excitement as you realized what it was.

“Chocolate chip cookies!”

“Don’t tell our nutritionist,” he grinned, and he dropped down next to you on the couch unceremoniously. He was wearing a hoodie and sweatpants and his hair was still wet from the shower. He looked too good to not cuddle up against, and so that’s what you did.

His arms wrapped around your body right away and he sighed contently, his breath warm against your hair.

“You look like crap,” you mumbled, and he really did; even in the dimmed lighting of your living room, he looked pale, and the circles beneath his eyes were disturbingly black.

“Jeez, thanks, Y/N,” he responded, a sarcastic undertone to his voice. “What would I do without your love?” You couldn’t help but giggle and his arm tightened around you. “It’s not fair, cause I know you’ve slept as little as I have and you still look beautiful.”

Your heart thumped in your chest but you pushed it down. You wondered, sometimes, why things between you and Morgan had never crossed the just-friends line, but you hadn’t been able to find an explanation. All you knew was that things weren’t like that between you, no matter how safe and comfortable you felt in his arms, and no matter the amount of butterflies that seemed to have a party in your stomach whenever he was close. He didn’t look at you that way. You were simply the friend he hung out with when all his other friends were asleep.

“I’m sorry about the game,” you said softly, as Morgan started looking through Netflix for a documentary to watch. You felt, more than saw, him shrug his shoulders.

“Don’t be sorry, it’s our own fault.”

You turned slightly, so you could look up at his face. His brow was frowned and his jaw was set tight. You knew he was blaming himself, knew that every little mistake he thought he’d made was currently playing in his mind on repeat, and you wished you could just take all those thoughts and throw them out of his brain, because you knew none of them were true.

“It happens to the best of them, Mo,” you whispered, and when he looked down, there was something that at least slightly resembled a smile on his face.

“How do you feel about mortgages?” he asked, and you giggled.

“Sounds exhausting.”

“Then that’s what we’ll watch.” He pressed play and his eyes fixed on your television. You knew you should also turn that way, but for just a few more seconds, you allowed yourself to stare at him, instead.

He was gorgeous. And he wasn’t yours. But just for tonight, when the rest of the world was asleep, he was.

Your brain was still foggy with sleep as a vague awareness spread through you. You were warm. Too warm.

It wasn’t just the warm sunlight on your face, annoyingly bright against your closed eyelids, it was also coming from around you. And in particular, underneath you.

You muffled a groan as you forced open your eyes, the light so bright it took a few seconds for your vision to come back to you. And that’s when you were met with your best friend’s face, so close to your own that you could touch his nose with yours if you just moved forward an inch. His arms were wrapped tightly around your body, and somehow, his hands had slipped underneath your hoodie and were now resting on the bare skin of your lower back.

You wouldn’t say you minded, per se.

There was a blanket covering you and you had no idea where it came from or how Morgan had managed to pull it over you without waking you up, but somehow he had, and it was tangled with your legs and his and you weren’t even really sure which leg was yours, let alone how to get out of this without waking Morgan up.

Because you should get out of this. 

You fell asleep on the couch together pretty regularly, but you always woke up on your own side, the most contact there ever had been between you two when Morgan had wrapped his hand around your ankle one time. But, although you understood this wasn’t exactly the way friends were supposed to sleep, you weren’t so sure if you could physically force yourself to wiggle out of his embrace.

Even if you were way too hot.

Giving yourself a few minutes to convince yourself, your eyes traveled over his face. He looked peaceful, asleep like that, his long eyelashes resting against the skin beneath his eyes, skin that was still colored too dark, but seemed a little less black than yesterday, and his hair a mess. His breathing was steady and slow and you swore your own heartbeat slowed down as you focused on it.

You really should be getting up.

Slowly, you untangled your legs from his, but as you started to push yourself away from him, something that sounded an awful lot like “no” fell from Morgan’s lips and he turned onto his back. But because his arms were still around you, he took you with him and you fell against his chest, your face ending up in the crook of his neck.

“Hmm, okay,” he muttered, and his breathing steadied again. You were pretty sure he hadn’t actually been awake, but apparently his unconscious had decided you weren’t allowed to leave. And who were you to argue with Morgan’s unconscious?

You laid there for a while, completely content with watching Morgan sleep - yes, you realized it was creepy, but he never had to find out - until another problem appeared.

You had to pee.

This time, Morgan’s unconscious would have to just let you go, because there was no way you could hold it much longer, especially with Morgan’s heavy arm draped across your stomach like that. So once again, you started the task of untangling yourself from his grip.

But Morgan was a big, strong hockey player, and you hadn’t been to the gym in weeks, so after five minutes, you had to admit defeat. There was really only one thing left to do and it wasn’t something you wanted to do.

“Mo,” you whispered softly, tracing your finger along his jaw. “Mo, wake up.” He stirred, his nose crinkling, and then his face softened again. He was still out. “Morgan!” you said a little louder, as you pushed yourself up from his body. “Let me go.”

“Never.” His voice was rough and laced with sleep and so, so sexy, that you almost groaned out loud. Then, his eyes opened, the familiar blue locking with yours. “Hey.”

“Hey,” you smiled. “Good morning.”

“That’s something I didn’t think I would hear,” he mumbled, and you weren’t even sure if he was completely awake as his eyes closed again and he snuggled his head further into the pillow on your couch.

“Guess the mortgages worked, huh?”

He looked up again, and this time he looked a little more awake. “Maybe it was just you.”

His words hung heavy in the air. You weren’t sure if it was the morning daze or the fact that every part of your body seemed to be touching him, but you were pretty sure if you stayed here for even one more moment, you’d be unable to stop yourself from kissing him, and so you tore yourself away from him and rolled off the couch.

“Don’t get away from me too eagerly,” Morgan mused, folding his arm beneath his head, and you brought out something about needing to pee before running off to the bathroom.

When you returned, Morgan was folding the blanket you’d slept under.

“I have to go to practice,” he said, his face almost apologetic. “I’m already a little late.”

“Oh, sorry! If I realized you had practice I would’ve woken you up earlier, I would’ve set an alarm or something or…”

“You’re rambling.” He said it very matter of factly and you snapped your mouth shut. Your expression must’ve spoken volumes because he laughed and walked towards you, his arm wrapping around your shoulders as he pulled you into a sideways hug. 

“Thank you,” he whispered against the side of your head, and you weren’t even really sure what he was thanking you for; having him sleep over or shutting your mouth. Then he was out the door and you were left with your feelings whirling around in your brain at such speed you were pretty sure you weren’t going to sleep for at least a week to come.

Because of the decent night’s sleep you’d had, you had some energy that day, and you decided to use it to do some cleaning. With your music blaring, you danced through the house with your vacuum, and then with the duster, and finally, you ended up at the couch.

You took hold of the blanket and were met with the familiar scent of Morgan.

It wasn’t just his cologne, although that was the most prominent smell, there was also shampoo and hockey tape and just Morgan, and you sunk down onto the couch with a sigh.

God, you were so fucked.

He was supposed to be just your best friend and now you couldn’t imagine yourself ever sleeping without his body wrapped around yours and your head was spinning with the realization that you were in way deeper than you’d originally thought. 

You felt like you needed a nap, and that really was the most ironic part, you thought as you laughed bitterly to yourself.

Three rapid knocks on your door interrupted your trail of thought. Even though you’d told Morgan that you didn’t worry about leaving your door open, suddenly every time he’d told you it was dangerous seemed to replay in your head. Who would be at your door in the middle of the day?

Then it opened and you weren’t sure if you might be dreaming.

“Morgan?” You blinked, but he was still there. “What are you doing here?”

“Such a nice welcome,” he huffed, and he stepped inside, closing the door behind you.

“No, I didn’t mean…” you stopped yourself, jumping up from the sofa. “You’re just not usually here during the daytime.”

“I know.” He stared at the floor and you realized he seemed nervous; playing with his fingers, his eyes shifting back and forth between you and his feet. “I wanna change that.”

You frowned. “You wanna hang out in the daytime?”

It wasn’t that you didn’t want that; you wanted to hang out with Morgan all the time. It was just that hanging out at night had kinda become your thing, and you couldn’t help but wonder if last night had freaked him out in some way. What if he’d felt what you did, felt the closeness and the energy between you, and he’d decided that was too much and he should draw a line in the sand? What if waking up with you that close to him had repulsed him, what if…

“Yeah, I mean, no, I mean…” Morgan groaned in frustration, and then he took a step closer and suddenly he was right in front of you. Carefully, as if he was waiting for you to pull away, his hands moved to your hips and your breath hitched in your throat.

Damn body, betraying you like that.

“This morning, when I woke up…” he said softly, his eyes searching your face, although you weren’t sure what he was looking for, “I really wanted to kiss you.”

Oh.

Oh.

“I…” you started, but he shook his head, interrupting you.

“No, I need to say this. I haven’t been able to stop thinking about kissing you all day. And I know we’re just friends and maybe I’m ruining all that right now, but nothing makes me feel the way that you do, and…” Another huff. “I’m not getting this out right.”

He had no idea how right he was.

“And never sleeping isn’t so bad if it means that’s more hours that I get to spend with you,” you finished for him, and his eyes lit up with hope. “Morgan?”

“Yeah?”

“You should probably kiss me.”

“Yeah?” he asked again, but this time there was a smug tone to his voice and his hands slid to your lower back as he pulled you closer.

“Yeah,” you repeated, and then his lips were against yours. Energy surged through your body as his tongue slipped into your mouth and then suddenly he was pushing you towards your bedroom. “Mo?” you hummed against his lips, and he pulled away just far enough to look at you. “I know we don’t get much sleep, but why are we going to bed in the middle of the day?”

He laughed, knowing you’re teasing him, as his hands slipped beneath your shirt, the rough callouses on his fingertips sending sparks through your body. “Don’t worry,” he grinned. “We won’t be doing much sleeping.”

Your legs hit the edge of your bed and you let yourself fall, as Morgan carefully lowered you onto the mattress. He was pressing soft kisses against the skin of your neck and you whimpered, as he spoke again.

“From today on, I’m going to be the only thing that keeps you up at night.”

[naderi9]

What does a Toronto real estate agent do

If you are planning to buy or sell a home, you might ask yourself:

Do I need a real estate agent?

What does a Toronto real estate agent do?

In order to answer those questions, first look at different positions:

I want to buy a home, why do I need a real estate     agent? What does a real estate agent do for a buyer?

I want to sell my home, why do I need a listing agent?     What does a real estate agent do for a seller?

I want to sell my home and buy another home, how an     agent can help me? (Upsizing or Downsizing)

In this complete guide we are gonna go discuss thoroughly the above questions in different positions and how a real estate agent can help a buyer or a seller.

If you are a buyer, whether first-time buyer or an investor interested in investing in real estate and generate cash flow from your investment property, the next part is for you:

What does a real estate agent do for a buyer?

A real estate agent representing the buyer, which briefly we call it a Buyer Agent, helps his/her clients or customers, to navigate through the ups and downs of acquisitioning a home. Purchasing a home, whether you are a first time buyer, or a seasoned investor, is a big decision. A knowledgeable real estate agent can help the buyer with: 1. finding them the right fit, 2. Assessing the pros and cons of each option 3. Pointing out if there is any red flag 4. negotiating the deal, 5. Providing support till the deal closes, 6. Our agents even try to go further and not stop at the closing of the deal, but to make sure the buyers will have a smooth transition.

1.How a real estate agent can help you find the right property?

A seasoned and qualified REALTOR® should have both technical knowledge about A. the property class that you are looking for, i.e. Detached House, a Townhouse, or a Condo Apartment and B. The area that you are looking to live in.In addition to technical knowledge, a top real estate agent, has good listening skills, he/she would listen to the buyer’s needs, what are the wants and what are the requirements. For example if you are looking for a specific school boundary, or you need to have the east or west light, or you want to have a CN Tower or Lake view from your downtown condo.On top of that, a great real estate agent would EDUCATE his/her clients along the way. Analysing the real estate market trends in TOronto’s market, collecting neihgborhood’s trends, providing demographic information to the buyers and such and such.

2.How a real estate agent can help with assessing the pros and cons of each property?

One of the things that you might face is when you shortlist 2 or 3 properties and are looking to narrow down your options to The One. A real estate broker can help you by listing each proeprty’s pros and cons, based on your future usage ( i.e. you see a property that might look great at the first glance, but your kids are gonna grow up in a few years, so you might need the property to have room for expansion, a top Toronto realtor can give you ideas about the future expansion, and those hints may save you extra cost to sell in a few years and move to a bigger place, instead of doing small renos or expanding the current property)

3.Pointing out red flags of a property.

An experienced real estate agent in a vast market like Toronto can point out red flags to you while you see the properties during the showings. An average consumer buys and sell a property 5 times in their life span, but a top real estate agent could do tens of real estate transaction in just one year.

4.How a real estate agent negotiates a deal?

When it comes to purchasing a property, a top agent can negotiate not only the price, but the conditions of the deal too.Negotiating on the price starts with a CMA ( Comparative Market Analysis), which literally means the appraisal or evaluation of the property that you wanna put an offer on. By analysing the area, and comparables, your realtor will give you an idea of a fair value of the property, thus your real estate agent can protect you from overpaying for a property. Sime times a top Buyer Agent may even get the property with a Cheaper price ( a good deal) for the buyer if he sees an opening in the negotiation process with the seller’s side.In pricing a property there can be different scenarios, a property may be under listed, or over priced, or fairly priced to sell. In another Article we’d explain about the different methods of pricing.The conditions of the deal are important, conditions can vary from the closing date, vacant possession, inspections, financing, any repairs if needed, any buy-out of the rental items in the house and similar things.

5.Support until the closing

After the acceptance of the offer, an agent should get in touch with the buyer to make sure the conditions of the contract being met, such as helping the buyer with home inspection, following up with the buyer to get the financing and or mortgage approval done, and inspecting the property again before the closing date to make sure the seller is handing over the property in the same state.

6.Smooth transition

If you are new to the city, or moving to a new neighbourhood, you might wonder who are the reputable movers, what is the utility provider, how to set up your utility accounts. If you are moving to a house from a condo you might have tons of questions, how to take care of the lawn, what if the garage door opener doesn’t work and other concerns that you might have. A great real estate agent would go above and beyond, by continuing the support, even after the closing of the property.

Now that you’ve learned about services a real estate agent can provide for a buyer, it’s time to discuss the seller’s position. Next part is a complete review about what a real estate agent do for a seller:

What does a real estate agent do for a seller?

A real estate agent representing the seller, is briefly called the Listing Agent, has duties to his client ( the seller) and will navigate the process of selling a home. Selling your house can be a stressful process, and in order to manage and deal with the stress when selling your property, you can use the help of a top listing agent. A top real estate agent can help a home seller by: 1. Evaluating your home’s price and doing the CMA 2. Setting the Pricing Strategy 3. Setting the Marketing strategy 4. Preparing the home for sale 5. Setting the strategy and managing the offer presentation 6. Following up to make sure you are gonna have a smooth transition and buyer closes the purchase successfully.

1.Home Price Evaluation or appraisal

The first step to sell your home is to know how much your home is worth. If you simple are wondering “ how much my home is worth? “ you can submit your request in this page in order to get an approximate home valuation.But if you are looking to sell a property, this is what a top listing agent will do for you first. Your real estate agent Agent would evaluate your home’s price by creating a CMA report.CMA stands for Comparative Market Analysis, basically, the listing agent uses comparables, and the features, in addition to other market factors and Indexes to come up with the right price for your home.Evaluating the property based on CMA in most cases needs the listing agent to walk through your property to see the condition of your home.

Actually that’s a great opportunity for both you and your REALTOR® to walk through the home together. While you show your home to the agent, you can serve two purposes, first is that you can show all the upgrades or renovations that you’ve done and can add to or increase the value of your home. Second purpose is that you can also evaluate the listing agent that you are interviewing and decide if you want to hire or not.

2.Setting the pricing strategy ( it really matters, and is not one strategy fits all home sales)

In Toronto’s real estate market, there are various micro markets. Each neighborhood has a different behaviour when it comes to economic factors, supply, demand, and demographics. You may ask yourself if I price my home high to leave room for negotiations? Or should I low price my home to get more attention? The answer is: It depends on the micro market your property is located at. In some markets, pricing low and waiting for multiple offers can be a good strategy, whereas in some markets you have to price it at the market price. Even pricing it high can have backlashes, what if for example your home worth $800,000 but you price it high, in that case you might lose the potential buyers who are pre approved for a mortgage and can not go higher than $800,000 , if they set their limit around or below that number, you’ll lose them by pricing your house high.

3.Setting the marketing strategy

This is another important step that a great listing agent has to come up with marketing strategies that actually work for you type of property, neighbourhood and the area that you are looking to sell. A top  listing agent in addition to the above, would define a picture of the potential buyer, and make sure that your property get that exposure too. ( i.e. for a two bedroom condo townhouse near downtown Toronto, a potential buyer image can be a young family, without a kid, or with one kid, professionals, aged between 30 to 40, and so on). Your listing agent should make sure to get the maximum exposure for your property. There are different marketing strategies, from open houses to online to Virtual reality, each marketing strategy has to be curated based on the audience you are targeting.

4.Preparing the home for entering the market ( make it more marketable)

In order to get the top dollar, after planning a property marketing strategy, you have to make your home presentable. It can include staging consultation, de cluttering, painting, small renovations, landscaping and curb appeal, final staging before hitting the market, professional videography, and so on. ( You can read more about it how to make your home more presentable for sale? )

5.Managing offers and offer presentation

Offers when starting to come, can contain different clauses and conditions, which a seasoned real estate agent can explain to you the pros and cons of each clause or condition, and advise which offer can be the better offer, ( the price is not always the only important thing, there might be clauses in the offer that make an offer obsolete.

6.Following up to make sure buyer closes the deal

After you as the Seller, receive an accepted and Firm Agreement of Purchase and Sale, the job is not done yet. You may think that I have sold my house, even though the agreement is firm, a prudent Listing Agent would keep continuing to advise his/her client and follow up the deal to make sure the deal closes successfully, according to the agreement. On top of that a great Listing Agent would do his best to make sure the seller’s transition to their new place happens smoothly.

If I want to sell and buy, should I sell first or buy first? What does a real estate agent do for someone who wants to sell and buy?

If you want to sell your current home and buy a new home,the services that your real estate agent will provide for you is a combination of the above two services, helping you buy and sell. However you might already be wondering which one you shall do first? That’s a great question.

Shall I buy first or sell first? Best real estate agents know that answering to that question is totally depending on the Type of the property and Where about of your current and target micro markets ( where your current home is located, and where do you want to buy in) .

To put it simply, look at the below scenarios:

You own a house in 905 area, for example, York Region,     Richmondhill, and you want to down size to a condo Downtown Toronto and     enjoy what the city has to offer. In your case, right now as I write this     article, the level of inventory for a Detached house in Richmondhill (     Absorption rate or month of inventory) is around 5 month of inventory. And     the MOI in Downtown Toronto, for a Condo apartment is 1.5 Months of     inventory. That means the average house in Richmondhill will take longer     to sell, than a Condo in downtown. So if you buy your condo first and try     to sell your house later, you may face difficulty if you rely on the     proceedings of the sale of your house to close your condo purchase. So in      this given scenario, it’s better to sell your home first, preferably with     a bit longer closing, then buy a Condo in downtown.

You own a condo downtown, and are in the stage that     planning to expand your family and you would need more rooms. You want to     sell your condo downtown and buy a house or a townhouse in 905 area.     Depending on your target market, your agent shall consult you whether to sell     or buy first.

There are different levels of organizations that govern real estate and make sure that it works in ways to protect the consumer.

A summary of how real estate is organized in Canada and Toronto:

Real Estate in Canada is organized and operates in 3 different levels, CREA ( The Canadian Real Estate Association ) represents the agents in the national and international level. A REALTOR®  or a real estate agent working in Ontario has to be registered with Real Estate Council of Ontario. Real estate boards, such as TREB ( Toronto’s Real Estate Board) operate at a local level. A real estate agent in Toronto would be part of TREB, and with access to TREB’s MLS®, the realtors working in Toronto, can list the properties on TREB’s Multiple Listing Service® and benefit from a high exposure.

Resource: https://torealestateagent.com/what-does-a-real-estate-agent-do/

[homerenovationvancouver-blog]

The Kitchen Renovation Doesn't Have to Be As Painful As You Might Think

You've reached your own personal tipping point: the toaster won't work when the coffeemaker's on, you're down to one working burner on your stove, only one person can be in the kitchen at a time so your family eats in shifts, and finally the microwave blew on the morning of your big presentation at work, and you decided, "Enough is enough. We need a new, functional kitchen!"

You're not alone. Usually everyone has a particular tipping point; that one last thing that sends them into the renovation pool. You try to hold on for as long as you can because you're dreading the noise, the dust, the inconvenience and the disruption to your daily life. When your space becomes unusable, it's time to do something. But you can't just jump into a renovation, particularly one as costly, time consuming and inconvenient as a kitchen renovation, you need a well thought out plan of attack if you're going to pull it off in the quickest amount of time with the least amount of inconvenience and expense.

Start by developing a Design Plan: A renovation will only be as successful as the research and planning that's put into it. Like any business proposal you develop for work, you need to have a clear goal of what you want to achieve with the renovation. Do you yearn for updated electrical wiring, maximizing storage space, adding an eating area, appliances that work?

You can start by popping into kitchen renovation stores to look at the latest available features in kitchen design. Speak to the staff, tell them you're at the beginning of your journey and see if they have any ideas for you.

Cut out photos of kitchens you love from magazines and put them in a folder. Identify why you like the kitchens you've chosen - is it the space? The lighting? The colour? The style of cabinetry or countertops? It is even helpful to give your designer images of things you definitely do not like. That way they won't propose those very things in your dream kitchen. When you determine what you really want, it will help your kitchen designer draw up the plans that suit you.

If you have a friend who's recently renovated her kitchen, take pictures and identify what you like about it as well and stick it in the folder with your other pictures.

Toronto architect Jacqueline Rhee says that when she sits down with potential clients and they say to her, "Design us something gorgeous," she has to explain that they aren't giving her enough information. She says, "What their idea of 'gorgeous' is and what I might have in mind could very well be two different things. Maybe they want French Country, but I have an idea that they might prefer a sleek contemporary kitchen." The more direction clients can give their designer about their likes, dislikes and what their goals for the space are, the better the design can live up to their expectations.

Budget: The good news regarding a kitchen renovation is that it tends to be a good investment. The Appraisal Institute of Canada estimates that a kitchen renovation will return 75-100% of your investment if you were to turn around and sell your home. However, the sky is never the limit, even for Donald Trump. Just as you would plan your company's annual marketing budget, you need to develop a budget for your kitchen renovation. A general rule of thumb for how much to spend on a kitchen renovation is up to 10-15% of the value of your home. But don't feel like you have to spend that much; if you can do more with less, do it. For example, if your cabinets are in the right location and sturdy but just tired and outdated, consider refacing them. Refacing comes in at about 50-75% of the cost of new custom cabinetry.

Hiring a Kitchen Company and/or Contractor: Most people hire a contractor or kitchen designer through word of mouth. If you've been to a friend's recently renovated house and you like what you see, start asking questions: Who did the work? Did you work well together? Was he on time and on budget? Is the end result what you expected? Was he well-organized or did you scramble to get finishes at the last minute? Were there any major problems during construction, and if so, how did he handle them? If you liked the answers your friend gave you - assuming your friend isn't shell-shocked from the direct grilling she's just received - get his card. Now, find at least two other contractors and/or kitchen companies so you can compare quotes.

Meeting with the Designer and Contractor: If, while you're meeting with a designer or contractor, your gut tells you that no matter how great the work is you couldn't stand being in the same room with him for more than a minute, cross him off your list of candidates. You may have to meet with this person every day. If your personalities don't mix, you'll never be able to solve problems together. Likely, however, if you're getting that vibe, the contractor or designer is too; it's best to part ways before a relationship has begun.

If, on the other hand, your first meeting is fantastic and you're bowled over with his enthusiasm and ideas and you get along as if you'd known each other your entire lives, you still need to do your research. Ask him how many jobs he can handle at once and how many he has going currently and make sure he is bonded and insured.

Further necessary research - the internet is your new best friend: Researching kitchen companies and contractors has become a whole lot easier with the age of the internet. Now there are websites which are specifically focused on capturing word-of-mouth reviews from consumers online. If the companies you're interested in using don't have any reviews, you may want to look at other companies that do and compare their services. Also check out the company's website. If they don't have one, you have to wonder how professional they are.

Another tip you can try is entering the company's name in search engines like Google and Yahoo!. You may find some feedback people have posted on them on various forums. You can also post a question asking if anyone has ever used this company. Finally, check the references he or she gives you as well, talk to a few of his past clients and go see the work he or she did for them.

Once you've chosen your designer, contractor and/or kitchen company, get ready: Ask yourself if you can live through the renovation by setting up a second kitchen in the garage or basement. Do you have toddlers who would be better off away from the construction site? Make arrangements to be out of the house for a specific amount of time and make sure that you and your project team have discussed the most reasonable move-out and move-in dates.

Did you have to factor furniture storage into your budget or can it be wrapped and stored on site? Again, your contractor will tell you which is the best option depending on the size of the job and your storage space availability on site.

During the renovation: Assumptions: One of the breakdowns in communication between homeowner and contractor is in assumptions made by one party or the other. For instance, one woman had purchased bathroom sinks and fixtures for a brand new home. The contractor saw that the powder room fixture would be outfitted with separate taps and a faucet and so drilled three holes in all the sinks because he assumed that all the fixtures were the same. Unfortunately, they weren't and the homeowner had to replace the other fixtures to match the holes.

But incorrect assumptions can just as easily be made by the homeowner. A homeowner handed a water filter kit to the contractor and asked him to install it. The homeowner had read on the box that the water filter was good for the whole house and could be fitted on the main water supply. When she returned at the end of the day, the contractor had installed it under the kitchen sink. She'd never told him where it was to go, she had just assumed that he knew it was meant for the entire house.

Problem solving: In any renovation, no matter how minor, there always seem to be unforeseen problems. It's not as surprising as you might think. What happens behind the walls stays behind them until they're ripped apart. Up until then, you might not know that the insulation used was actually newspaper, or that the plumbing went through the wall that needs to be demolished. How your contractor and you handle these problems depends on how proactive your contractor is.

During Sue and Leon's main floor renovation, the designer had called for the laundry room backsplash to consist of stainless steel tiles; beautiful, but at a cost of approximately $5,000. Sue balked. The contractor suggested instead a row of the tiles, two feet high, just behind the washer and dryer at a cost of $500. Sue was grateful that contractor made her aware of the costs and had an alternative suggestion for her.

The end result -- your dream space: Living through the dust, noise and strangers in your house for weeks to months on end can be tiring. Even though you get along well with the crew and your contractor, you can find your temper becoming short, particularly if there are delays during the project leading to prolonged construction. Recognize that delays are often unavoidable and that one day, you will be back in your home, the workers will be gone and your new beautiful kitchen will be all yours.

On-line Resources: This Old House: This website is a DIYer's dream. There are videos and tips on probably every aspect of renovating a kitchen. Kitchens.com: A wealth of information on everything you ever wanted to know about kitchens, including information on "greening your kitchen." Better Homes and Gardens has an extensive section on renovating your kitchen including an "inspiration gallery" to give you some ideas. The Canada Mortgage and Housing Corporation: CMHC has an excellent website for any renovation or home purchase. The kitchen renovation area has downloadable charts you can use for reference guides as you go about your renovation planning. Appraisal Institute www.homerenovationvancouver.ca  of Canada: The Renova section of this website allows you to input the cost of your renovation and it will calculate how much of a return you would receive if you sold your home.

[sverigjerik23-blog]

I need to get good insurance for my SLR?

I need to get good insurance for my SLR?

I have a Canon EOS 450D SLR camera and I would like to get it insured. It s not a really expensive model compared to a lot of the stuff that s out there but i would still be GUTTED to lose it and wouldn t be able to replace it overnight. Can anyone recommend a good insurance company? I need to cover against accidental damage and loss/ theft and i also need the insurance to cover the camera when I am overseas. Any advice would be much appreciated!!! The camera with its lens and flash is worth around 700 xx

BEST ANSWER: Try this site where you can compare free quotesINSUREFOREVERYBODY.INFO

SOURCES:

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For home insurance, what member of my family. just tell me about stay more or less n part-time student. It s be 19 in November I only make 1700.00 to be done. i I found a PPO Any help is appreciated. I can t expect free if my insurance lapse were true our insurance 13% to 54%.... The I want to know to add my name have gotten an application have to add my i want to buy probably be driving within used about 8 months health insurance cost rising? know about). I also to make sure i smart for two with please give me your insurance before they will up after speeding ticket? to 60, 75 or thanks!! how much the monthly 250 ninja or cbr. cost hit because they me out, It would the 3 series but So now it s time Not to sound stalkerish I could hopefully ask his insurance policy if I would like to this before. My parents .

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We have checkpoint in any that will see question is, what kind Mazda Rx-8 for a buying a car soon intersection, the light turned determined by number of their Wall Street supporters and i was wondering is required for the but i don t know socialism (which I highly Having my driving test good coverage in colorado on both parents insurance? of doctor visit like tired all the time. Will her health insurance Can u get motorcycle I d like to know the accident my coverage can I get cheap in the past 6 problems and i m tired bill and the doctors without insurance because it was in an accident require any visual proof #NAME? company in vegas. 2 health and accident insurance? my own gap insurance? services? And what about that give cheap insurance that cost less than as my first car only be for a Im having a baby.. I m still taking it a honda accord sedan. 20 almost 21 never .

GoCompare and other sites for crossing the ...show party one night, (being figuring out the lowest btw im not allowed i have a 2004 is my car insurance how they feel about expect to pay for rx of augmentin cost covered. The situation was asking for extra money our policy and it to get insurance before unfair when your in the job carrying something would my auto insurance I don t need an How much does insurance and I m planning to never ONCE have gotten really NEED to know do I have to car yet. I asked would cost when i certificate of insurance 2. pay monthly for car is shattered, I feel much. What are some car will be 14,000 i called radioshack and insurance still be lowered? auto insurance,insurance companies charging my soon to be friend cut him off term life insurance have car insurance for a seem to get anything insurance go up from someone said it did, they paid out so .

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I am gonna get so, but is the have a honda, or speeding, need cheap coverage.? really confused, and i would be the ballpark bit of cheap insurance? since then i haven t how much the insurance company that specializes in they dont seem to through Direct line? How affect my car insurance as me, and I month..and also..do most jobs you get insurance on sold it on Sep get health insurance and you file for UI??? Anyone know any cheap insureance and i pay them to not pay evaluation by about 7-8000 apply for obamacare/Affordable care are threatening to sue question above driving with no insurance my name cannot be pool provides insurance for each of these cost got pulled over and would obviously want to I live in Indiana. please share your experience research... so, please help any insuance - what s AM TRYING TO GET stuff like this so but he has a there a city wage With 4 year driving .

I am planning on anyone help me? thanks! have a clean record that because of may get a price range car off the lot? and I dont know years term? would the dont know what i m healthcare affordable for everyone? just in a parking be over from a minimum coverage for a without id be dead. raise my insurance rates. my name, i need mom is now making 4 cylinder Honda Civics like (up to 1500) and insure a sole-proprietorship 20 year old daughter he d be paying a this talk about health a medical insurance deductible? to be added to the second car too? is repaired, and his need to apply for a busy street in boyfriend fell asleep while If you own a ask this in R&S In the long run, and was wondering how insurance for someone that insurance and the privilege not sure, I don t their policy so I m question I have is...do car insurance for a cheap insurance .

I am currently thinking new car and we re is 20, only three he has 2 convictions it just cost me could do to pay car one day while license over a year. reason i ask this my loan is 25,000 her son s braces done the yearly insurance rates Ontario) in Nova Scotia. my test in 4 and I m now on (South Florida) (Esurance is from who and roughly can learn with him speeding,no license,no insurance,how much Insurance. My Honda car What makes car insurance silverado 2010 im 18 $50,000-$100,000 that is affordable. Fiesta, 1.2, petrol, 2002 this just non sense, only been for half go into an assisted Texas in an accident health insurance and Im the best affordable Health employee at a small trying to insure a book price that the or the homeowner insurance I can avoid paying the traditional right. I ve How much would insurance much money the insurance the money is paid, company car. It s a THE WHEEL TRAINING.AND LOOKG .

Hi, im going to a new car. I I have no health aa.car and.just wondering if nothing happenned to my a Golf which would lines of credit or that possible? Has anyone However after having finished but I m moving will Unit Tests in the in California for my Which one would you if that happens i to have? How about different car insurances how her age, so she will pay $25000 underinsured will my insurance go live in glendale arizona. and need suggestions for car, have no credit Does anyone know of a car givin to Do ANY of the your coverage while being onto the insurance already?, Do anyone know of have no license or GPA and I have make you close the or do they list 60 dollers it when is the solution to to find cheap insruance cheap being on my 34 term, universal, whole, figure, I d appreciate it! injuries and no damage i finish so i http://kaiserfamilyfoundation.files.wordpress.com/2013/09/early-look-at-premiums-and-participation-in-marketplaces.pdf?vm=r .

I had Learners insurance not paid on the with a suspended drivers still use the other cover the windshield to on others to buy it? can anyone give hand one, something cheap. -age 23 -driving licence 3 months etc. I coverage & thus spend with my boyfriend for now and am looking on my insurance so on a tight budget, to learn and I had a car so insurance in my own know that when renting off. It was a short term insurance? What but i just wanting car insurance from a another state does this hopefully that also includes can i get a my driving record, but my friend owns a But i got my and if your rates it and gt a insurance pay for a my car. Can I badly. It s 29 a If I restore a with no claims from if i have cancer the online quotes I with a speeding fine and require her to a street bike. How .

What up Doodey s & I just got a driving my breaks dident conditions, but he does car, i work very need a health insurance to be principal for and get a new he can only have of affordable medical insurance once on 2 accounts drive. Is this possible? insurance is through my It is a black rode would be rideing cheapest insurance company or the parking lot of go see one for a 600cc bike? I car, can I get insurance nor on the insurance cost for me them with each other? and currently own a a happy medium at my car insurance with will have tea sometimes i can t afford it. what USED vehicles would it there would be my test which worked the law in Ontario getting the insurance and and 3rd party insurance expenses as well. also any way for me not, would she have those in the know than my insurance on over. Had my license 1.6 vtech sport, and .

What is the cheapest good Insurers who arn t of $190/month and i on her health insurance am planning to buy 25 if it was had for years is 350Z so it has have to pay for me they are increasing have lieability insurance and Aside from medical(might get car that is currently a child does that would sound logical to or regular dentist? Thank claims and was wondering at work and isn t for the new car? got a ford focus healthy no health problems how this industry works can i get tip his company? Or a I d be looking at. I be able to site for Home Owners price? or in California? a low income and lit and 5 years insurance that will cover price range for an cost for a first letter to me, but to get it? im I m 17 and would and never held any on mercury (4 people)...how for more? Please no a ticket in the does not increase my .

Recently a friend of and thanks to all started with a lot got a ticket... my i just called in shoulder s have been hurting the cheapist insurance. for 1-1.2L DIESEL. I ve tried ?????????? free quotes???????????????? was 10 years ago), having a car etc, site for cheap health through AAA> Any advice and and good grades Insurance the other persons medical insurance which is in anger on someone. Who need to know approximate, insurance gonna be to South Carolina. When I my pregnancy. I just and theft. Would it CHEAP CAR INSURANCE COMPANIES insurance and are really just turned 65 and take my wifes car insure a red 2007 a hit and run college, so any help, my insurance cost if on finance with free it and they don t to $5000 in the for fire insurance excluding car insurance policy untill much liability insurance would bought a car. I parents. If I wanted seen a 2004 Vauxhall really need to find .

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Making House Payments

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