tag:blogger.com,1999:blog-10931242968424248562012-01-30T16:51:36.876-08:00Refinancing rates rate best calculator home loan bad credit interest home equity Kelowna West Westbank real estate bank banks agent agents purchase refinance renewal mortgage insurance property variable fixed selling buying broker Peachland first time buyers buyerPhilippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.comBlogger1961100tag:blogger.com,1999:blog-1093124296842424856.post-78464920291373027572012-01-27T16:07:00.000-08:002012-01-27T16:11:27.694-08:00

In Vlogging for Real Estate Agents Part I: Getting Started we talked about what a vlog (or video log) is, how it helps real estate agents be more successful, and how to set up your vlog. But picking a topic to vlog about can be the most challenging part! Below is a list of great vlogging topics and ideas to help get you started. “Open house” series.  Record a virtual tour of one of

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-34090013573053400892012-01-24T16:35:00.000-08:002012-01-24T16:36:04.957-08:00

Stick out your mortgage paperwork and say, “Ahhh!” It’s time for your annual mortgage health check up. Mortgage experts agree that if you make time for a quick review at the beginning of each year, it may yield you some fruitful financial savings. Your 2012 home loan review should examine the most common potential monthly savings opportunities, including high-interest credit card debt

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-90373725952783518192012-01-19T17:35:00.000-08:002012-01-24T16:26:57.791-08:00

What is a Vlog, you ask?  Though it sounds a bit like an ancient Viking ritual, vlogging is the latest-and-greatest way to communicate with your prospects.  A vlog is a video blog (or vidblog), which is just another form of blogging – but without the writing.  Vlogs  are short video clips people put together to spread the word on a specific topic of their choice. Like a blog, a vlog is a sort

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-89252006810886246942012-01-17T17:21:00.000-08:002012-01-17T17:23:19.803-08:00

With the high cost of holiday gift-buying and entertaining now behind you, this may be the perfect time to get the New Year off to a fresh start by refinancing your mortgage and freeing up some money to pay off that high-interest credit card debt. By talking to mortgage professional, you may find that taking equity out of your home to pay off high-interest debt associated with credit

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-77805838138076267442012-01-12T14:06:00.000-08:002012-01-12T14:06:53.179-08:00

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Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-8301515289117135082012-01-10T14:07:00.000-08:002012-01-10T14:19:33.176-08:00

Is My Mortgage Still Safe?  A recent client called me last week questioning whether the mortgage they just received (NOT WITH ONE OF THE CHARTERED BANKS) was "reliable". Let me dispel this myth, first by saying...THIS IS NOT TRUE. I hear a lot of myths in my business but this one seems to pop up every time there is instability in the market, particularly when there is bad news coming out

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-19084947273614902922012-01-05T12:04:00.000-08:002012-01-10T14:21:43.305-08:00

Define Your GOAL!  A realtor business plan is a map that calculates the number of transactions you must close along with your total cost per transaction to reach your income goals. This strategic business plan establishes your goals and objectives in writing.  There are companies and consultants who can write a business plan for Realtors, for a fee, however, writing your own strategic

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After  the excesses of the Holiday season, January is a good time to adjust to a lighter menu and set new habits for the new year.  I hope you enjoy this healthy soup and a way to start the new year. 1⁄2 lb. sweet Italian sausage Heat 1⁄4 cup extra-virgin olive oil 2 carrots, finely chopped 2 ribs celery, finely chopped 1 large yellow onion, finely chopped 1 tsp. cumin seeds, 1⁄2 tsp.

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Happy New Year Friend! In these uncertain times, many home buyers are holding off on making a decision to purchase in their near future.   A common fear is that the home pricing may keep dropping.  So what should a buyer do?  Timing any housing market is generally considered to be a losing proposition.  Trying to time the price of housing is no different than trying to time the stock market.

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Growing up in Quebec Tourtiere was a must have during the holiday season.Ingredients·        1 and 1/2 pound lean ground pork·        1 onion, diced·        1 clove garlic, minced·        1/2 cup water·        1 1/2 teaspoons salt·        1/2 teaspoon dried thyme, crushed·        1/4 teaspoon ground sage·        1/4 teaspoon ground black pepper·        1/8 teaspoon ground cloves·        1 recipe

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What is a collateral mortgage? Recently TD bank announced that effective October 18th all new mortgages, would be registered as a collateral charge. This practice has been common with some institutions including some Credit Union. A collateral mortgage is normally registered for floating or revolving debt such as a secured line of credit. What does it mean for consumers?  It means that it will

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-88733300047562855652010-10-15T09:43:00.000-07:002010-10-15T09:43:47.821-07:00

Fresh hot off the press from the Canadian Real Estate Magazine. OTTAWA – October 15th, 2010 – National resale housing activity edged higher for a second consecutive month in September 2010, according to statistics released by The Canadian Real Estate Association (CREA). Combined with a falling supply of homes on the market, the number of months of inventory also declined for the second

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For something different on Thanksgiving, why not try a smoked turkey. Well worth the effort. This recipe comes courtesy of Fine Cooking magazine. However if you prefer a more traditional approach, click here for the recipe I always use in my house. For the brine: 2 cups brown sugar 1 cup maple syrup 3/4 cup coarse salt 3 whole heads garlic, cloves separated (but not peeled) and bruised 6

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It’s easy to get caught up in the idea that comparing mortgage rates will guarantee you get the best bang for your mortgage buck. While this may be true for particular situations, there are many scenarios where this strategy is not effective. Following are three reasons why it doesn’t always pay to make a decision based solely on rates. Reason #1Your long-term plan and risk tolerance should

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-79480317463129724442010-10-06T14:58:00.000-07:002010-10-06T14:58:00.843-07:00

OTTAWA, September 30, 2010 — The value of housing activity related to new home construction, as well as the rental, sale and renovation of existing homes in Canada reached $307 billion 2009, or more than one-fifth of Canada’s total gross domestic product, reports the 2010 Canadian Housing Observer. This flagship publication now in its eighth year was released today by Canada Mortgage and Housing

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Paul Vieira, Financial Post · Wednesday, Sept. 8, 2010 OTTAWA ­­ The Bank of Canada raised its benchmark interest rate Wednesday by 25 basis points to 1%, arguing financial conditions remain “exceptionally stimulative” even in the face of a slowing -- but still growing -- economy. In its accompanying statement, the central bank acknowledged the economic recovery in Canada would be “slightly more

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In today’s economic climate of tighter credit requirements and increased unemployment rates taking their toll on some Canadians, there’s no doubt that many people may not fit into the traditional banks’ financing boxes as easily as they may have just a year or two ago. I can help you determine whether your situation can be quickly repaired or if you face a longer road to credit recovery. Either

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Kelowna, BC – The Central Zone of the Okanagan Mainline Real Estate Board (OMREB) reported July 2010 sales activity of all MLS® property types has cooled down as the summer weather heats up.  While growing inventory has improved choice for buyers and sales volumes have increased year-to-date, unit sales were down from last month and last year.  Inventory increased 2.28% over last year at this

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Regular Maintenance is the KeyInspecting your home on a regular basis and following good maintenance practices are the best way to protect your investment in your home. Whether you take care of a few tasks at a time or several all at once, it is important to get into the habit of doing them. Establish a routine for yourself, and you will find the work is easy to accomplish and not very

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The question of whether it’s better to lease or buy a vehicle is a common dilemma. And do you buy or lease a new or used vehicle? The answer depends on the specifics of your situation. It’s important to realize that many consumers overburden themselves with car leases or loans they simply can’t afford. While most of us require a vehicle to get to and from many destinations throughout the course

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-18856498990987192202010-08-11T11:59:00.000-07:002010-08-11T11:59:39.157-07:00

Nothing says summer like fresh vegetables from the garden. A vegetable Tian is a great way to enjoy what the Okanagan has to offer. A Tian is a dish from the south of France and is a traditional side dish during the summer month. This beautiful dish "speaks" summer, using vegetables just plucked from the garden. Fresh herbs enhance its simplicity.  My wife and I served this dish to friends

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Over the last few years, I have helped my fair share of clients refinance their home to take advantage of historically low interest rates. That being said many choose not to proceed due to horrendous and excessive penalties. The penalty system as currently designed (or allowed) is clearly to the advantage of the institutions, rather consumers. To understand how this perverse system works, read

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By Paul McCord on Oct-16-2007 From www.eyesonsales.com How to Generate Leads Referrals are touted as being the best prospecting tool in any salesperson's toolbox. According to sales legend, referrals are the key to becoming a top producer.  Virtually within 30 minutes of entering the sales field, most salespeople are told that if they want to succeed, they must get referrals from their

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-45210896255668944622010-07-23T06:45:00.000-07:002010-07-23T06:45:39.622-07:00

Who does not like a hamburger. Quick, easy, tasty and it says summer all over it. You hear lot of variations on making the best and juiciest hamburger. Mine is a combination of lean beef and pork. Yes pork.  A good hamburger needs some fat to be at its best, without fat it could be too dry. The following recipe makes enough for 4 people. Ingredient and method: ·       half pound ground beef or

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Nothing says summer like grilled vegetables. Here is a favorite recipe in my family, north african inspired Tabbouleh with Grilled Vegetables. Enjoy. INGREDIENTS·        1 cup bulgur·        3/4 teaspoon salt, divided·        1 cup boiling water·        2 medium zucchini, cut lengthwise into 1/2-inch-thick slabs·        2 sweet onions, such as Vidalia, cut into 1/2-inch-thick rounds·        3

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OTTAWA, July 9, 2010 — The seasonally adjusted annual rate1 of housing starts was 189,300 units in June, according to Canada Mortgage and Housing Corporation (CMHC). Seasonally adjusted annual rate estimates of housing start activity were also revised up for April and May2. This resulted in a month-over-month gain of 3.7 per cent in April (205,900 units), a 5.1 per cent decline in May (195,300

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Before you begin searching for a home, it’s always helpful to think about your needs both now and in the future. And if you have any questions about the home-buying process or different types of real estate, you can always ask your mortgage professional or real estate agent for input. Following are some things to consider when you’re deciding which type of home to buy: ·       Location. Do you

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Buying a home is one of the biggest emotional and financial decisions you'll ever make, so prepare yourself to make a knowledgeable decision.Although buying a home almost always seems like a great idea, it is important to understand what homeownership involves. Of course, being a homeowner is something to be proud of but it also means having to invest money, time and energy and take on added

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-51178074464609907922010-07-08T11:04:00.000-07:002010-07-08T11:12:19.817-07:00

These potatoes are stuffed with sour cream, butter, and cheese, but the secret ingredient isn’t dairy, it’s a splash of balsamic vinegar, which gives the filling a sweet-tangy note. Serves eight. · 8 large or medium russet potatoes (about 8 oz. each),                 scrubbed and dried · 6 Tbs. unsalted butter · 2 cups sour cream · 1 cup thinly sliced chives or scallions · 1 cup freshly grated

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-31510426507834579802010-07-06T14:12:00.000-07:002010-07-06T14:12:39.662-07:00

If you’re interested in the details surrounding Canada’s mortgage industry, TD Securities has put together a primer on this subject that’s well worth a read.  Canada’s mortgage market has attracted an understandable surge of interest in recent years, motivated by the housing sector’s relatively successful navigation of the global credit crisis, says the report, Canadian Mortgage Market Primer.

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-22051200175535373492010-07-06T13:43:00.000-07:002010-07-06T13:44:46.069-07:00

Selling your current home and moving into a new one can be stressful enough, let alone worrying about your current mortgage and whether you’re able to carry it over to your new home. Porting enables you to move to another property without having to lose your existing interest rate, mortgage balance and term. And, better yet, the ability to port also saves you money by avoiding early discharge

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Click Here to See Video

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-5612915763847069032010-07-02T09:49:00.000-07:002010-07-02T09:49:29.708-07:00

Transitioning from renter to homeowner is one of the biggest decisions you’ll make throughout your lifetime. It can also be a stressful experience if you don’t plan. Budgeting is a key ingredient that helps alleviate the stress associated with money issues that can sometimes when you purchasing a home.  The trouble is, many first-time homeowners fail to carefully think about their finances, plan

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An Ontario court has found an unwitting mortgage co-signor liable to RBC for over $108,000. The loser in the case was a working mom with three kids. Her mistake was accepting payment of $6,000 from strangers to co-sign a mortgage that later turned out to be fraudulent.  Moreover, the court ruling showed that she barely read the mortgage documents she was asked to sign, and allowed fraudulent

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-88321140700417548062010-06-08T14:11:00.000-07:002010-06-08T14:32:09.999-07:00

The following fact sheet is part of the CMHC  About Your House — General Serie   Buying a Toilet In your home the toilet uses the most water — accounting for approximately 30 per cent of indoor water use. Prior to 1980 many toilets flushed with 20 litres of water. Then the 13-litre or “water saver” toilets became available in the early 1990s. They are still available in the marketplace. In

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I am a fan of Italian Sausage; I have attempted to make my own with reasonable success. I am always looking for ways to use them. I always have some in my freezer for those mid week days when my family need a quick and tasty meal. The following recipe meets those criteria. 15 minutes? Yes, probably, after you prep everything and prep wont take long.  You won't be disappointed and you will find

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-27389399739179601212010-06-08T13:20:00.000-07:002010-06-08T13:36:58.532-07:00

Before we talk about specific networking tips I want to address a critical aspect of networking that is often overlooked. Sometimes we are so eager to network that we don't stop to consider whether or not we are investing our energy in the right places.Listen, you can go to all of the networking meetings under the sun and collect hundreds of business cards while you're at it but if you're not

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As a mortgage broker I often see clients needing the help of family to acquire a mortgage. While well intentioned, these king of arrangements can strained family relations. The following article appeared in the Globe and Mail yesterday and should be read by anyone considering such arrangement. The bottom line is this, make sure you understand what you are signing and what obligations such actions

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Government of Canada has recently announced new parameters regarding the application of the government guarantee supporting the Canadian mortgage insurance industry (view the Department of Finance’s news release). The effective date when the new rules are to come into force is April 19, 2010. CMHC supports the Government of Canada’s on-going efforts to maintain a strong Canadian housing market

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-12956026324267206522010-05-03T12:22:00.000-07:002010-05-03T12:22:04.116-07:00

As you may now be aware I have recently changed company and joined White House Mortgage of Dominion Lending Centres. For me this change was important to elevate my game, and to learn from some of the best in the business. Upon joining I was invited to attend a day long training session with my new colleagues. The day was fantastic, we had many speakers presenting on a variety of topics geared to

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-13793619364412855112010-05-03T11:47:00.000-07:002010-05-03T11:47:57.363-07:00

In my earlier years experimenting in the kitchen, other than my own mother no one had more influence on me than Julia Child. To this day I still consider her   the quintessential start of the North American food culture. To this day what I like about her is she was always about the food, not herself. Emirel, Jamie Oliver and others are no match for Julia Child. She was witty, knowledgeable and

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I know spring has arrived when fresh asparagus make their way into our local grocery stores. To get the best flavour possible, follow these rules when buying: 1.    Buy only vivid green, firm spears with moist butts and tightly closed tips. 2.    If you're refrigerating it before cooking, wrap butts in a damp paper towel and place spears in a plastic bag. 3.    3. Cook asparagus as quickly as

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How to Design an Efficient, Accessible Kitchen  Once you know who will be using the kitchen, you can decide the most efficient way to design the room and everything in it. For example, kitchen designers traditionally focus on a compact work triangle formed by the sink, stove and refrigerator.  For many, the kitchen is the heart of the home. But as our needs change over time, it can become

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-90491626442101690432010-04-05T14:00:00.000-07:002010-04-05T14:21:32.951-07:00

The following fact sheet is part of the About Your House — General Series Bathroom and kitchen fans are an important part of your home's ventilation system. They remove odours from your house, which improves indoor air quality. They also remove moisture, which decreases the level of humidity in your house. High humidity can damage building materials and can cause mold growth.

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-45934978270705668702010-03-30T06:33:00.000-07:002010-03-30T06:33:58.298-07:00

Using Photovoltaic Systems to Power your Home With increasing concerns about energy costs and the environment, more and more Canadians are turning to photovoltaic (or PV) systems to generate their own renewable energy at home.With increasing concerns about energy costs and the environment, more and more Canadians are turning to photovoltaic (or PV) systems to generate their own renewable energy

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-13231776252258375522010-03-30T06:10:00.000-07:002010-03-30T06:11:14.176-07:00

From Fine Cooking 96, pp. 50October 22, 2008 The glazed ham here makes great sandwiches. To give your guests that option, serve with biscuits (store-bought or homemade), horseradish cream spread, and orange-maple mustard (for recipe, see leftovers section below).  Serves twenty-four. Ingredients: 3/4 cups high-quality orange marmalade 1/4 cup pure maple syrup 1/4 cup whole-grain mustard 1/4 cup

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-81238754477024529382010-03-06T11:29:00.000-08:002010-03-06T11:31:19.400-08:00

By the time you read this posting me and my family will be in Lima Peru, I thought you might be interested in knowing a little bit about this area’s rich culinary history. I will let you know upon my return what he food was like. An delicacy of Peru is roasted Guinea pig (see photo on the right). Can't wait to try. Land of the Incas, The Republic of Peru is situated in South America. There are

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-36400425091934384652010-03-06T10:38:00.000-08:002010-03-06T10:38:57.114-08:00

Changes to the Canadian mortgage landscape are not limited to recently announced mortgage qualification rules. The 2010 Federal budget offers some proposed changes that have received much less coverage and are no less important or beneficial to consumers. Here are examples: Pre-payment Penalties: The government will “bring forward regulations” to standardize the calculation and

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-21222146412404556442010-03-02T09:40:00.000-08:002010-03-06T10:39:28.997-08:00

 Bank of Canada announced today that it is leaving its key interest rate unchanged, and repeated its commitment to hold the rate steady until the second quarter of 2010, conditional upon inflation.  In its statement the Bank judges that the factors affecting its inflation outlook are “roughly balanced” at this time.  “On the upside, the main risks are stronger-than-projected global and domestic

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-36418722521704182942010-03-01T12:19:00.000-08:002010-03-06T10:43:06.359-08:00

Invis in the News  A regular review of your mortgage ensure your loan is still right for your financial situation. Buying a home is probably the most expensive purchase you will ever make and if you're like the vast majority of Canadians, you used a lot of borrowed money to experience the joys of home ownership. Because you have to pay interest on a loan over years and decades, that means you

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-59304883224055724922010-02-18T09:30:00.000-08:002010-02-18T09:36:22.352-08:00

(Lasagne Verdi al Forno) SERVES 6 For a truly authentic lasagne see our Spinach Pasta Gallery for an illustrated, step-by-step guide to making the pasta called for in this dish. Of course you can use store bought noodle, I sometime use pre-cooked dry lasagne noodle from the local Italian deli. I recommend to be daring an try your hands at fresh pasta, it is not as hard as it first appear. I must

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-33379199623097381312010-02-16T06:31:00.000-08:002010-02-18T09:54:40.534-08:00

Ottawa, February 16, 2010 2010-011 GOVERNMENT OF CANADA TAKES ACTION TO STRENGTHEN HOUSING FINANCING Related document :Backgrounder The Honourable Jim Flaherty, Minister of Finance, today announced a number of measured steps to support the long-term stability of Canada's housing market and continue to encourage home ownership for Canadians. "Canada's housing market is healthy, stable

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-32332875826028815072010-02-15T07:59:00.000-08:002010-02-18T09:40:00.814-08:00

If you’re a first-time homebuyer, with the federal Home Buyer’s Plan you may be eligible to withdraw up to $25,000 from your registered retirement savings plan (RRSP) for a down payment when buying or building a qualifying home.  The HBP gives first-time homebuyers access to their RRSP holdings with no tax consequences provided they pay them back within 15 years, freeing up funds for a down

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-8493517263507492922010-02-10T08:42:00.000-08:002010-02-18T09:53:07.185-08:00

Moving into a new home? Painting a room or two can be a simple way to personalize your living space, and is a great project to do when colder weather keeps us indoors. Banish “builder’s beige” and boring white. For new homes, brighten things up with colours chosen by you, not the contractor who built your home. Hallways and stairs are best painted with lighter colours. Main living areas and

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-64040108181435550682010-02-08T07:24:00.000-08:002010-02-18T09:56:18.827-08:00

Last week I noted that homeowners have much to gain by paying off their mortgage as quickly as possible.   By paying down extra principal in the early years of a mortgage, you can dramatically lower the interest you’ll pay throughout the life of the mortgage.  Here are some additional tips on how to make this happen:  5. Make use of double-up privileges wherever possible  Tell yourself that

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-70873991743676647302010-02-07T16:01:00.001-08:002010-02-07T16:02:18.713-08:00

Check out this SlideShare Presentation: Unique Selling Proposition & Tagline View more presentations from Gregar Donaven Valdehueza.

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-72208407561221516862010-02-06T14:08:00.000-08:002010-02-18T10:01:38.840-08:00

By Claudia Brown and Douglas C. Brown When it comes to running your own business, everyone seems to have a plan to make you successful. You can read and study and even mimic the greats but that doesn't necessarily mean you will succeed. To really rock the business world, you need both strategy and tactics that work and you need them to work effectively together. This is where many

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-49564129670073080542010-02-02T16:19:00.000-08:002010-02-18T10:03:01.565-08:00

For many Canadian homeowners, paying off their mortgage as quickly as possible is a top priority.   Paying down extra principal in the early years by whatever means possible can shorten the life of your mortgage – and dramatically lower the interest you'll pay over the long haul.  Here are a few tips on how to make this happen:  1. Increase your payment annually to the most you can afford  The

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-39825228567269203352010-01-28T13:45:00.000-08:002010-01-28T13:46:42.688-08:00

A few years ago my wife and I took our kids and my mother in law to Thailand. I have been a fan of Thai food for many years and I was really excited at the thought of eating the real thing. Well I was not disappointed. I loved walking through the back alley of Bangkok and see how the average Thai lives. It was feast for the eyes with display of fresh produce every where. Wherever we went there

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-15686727793398068532010-01-27T20:02:00.000-08:002010-02-06T14:12:40.950-08:00

This is my latest article published today in the Westside Weekly.     My last writing discussed what questions to ask a prospective mortgage provider; if you missed the article visit http://tinyurl.com/WWeekly. Once you have settle for a professional you trust the next step is to work with this individual to determine the feature of your mortgage that will benefit you the most.  While

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-2158997009579593672010-01-27T08:09:00.000-08:002010-02-06T14:16:48.913-08:00

The following article comes courtesy of Dr. Maya Baylie Ph. D. You can visit her website by visiting www.90daystomoreclients.com As a business coach for real estate agents, I often hear my clients say to me, “I just can’t pick up the phone and call my sphere of influence." “Why not?” I ask. These are the responses I get: ·       “I don’t know what to say.” ·       “I can’t ask my

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-56095661883380776612010-01-26T07:13:00.000-08:002010-01-26T09:21:53.357-08:00

You’ve recently decided to make the transition from renter to homeowner, you are about to make an important investment in your long-term financial wellbeing.  Still on the fence?  Consider the following benefits.  Owning your own home can allow you to:   Build equity  When you purchase your own home and make mortgage payments, you accumulate equity in the property.  You may borrow

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-89634217126336319592010-01-25T11:38:00.000-08:002010-02-01T18:32:52.661-08:00

The following fact sheet is part of the Canadian Mortgage and Housing Corporation  About Your House — General Series If you are like most Canadians, you are concerned about the safety of your home and your community. One particular type of crime that worries Canadians is breaking and entering or burglary. Recent statistics show that burglary accounts for 22 per cent of all property

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-17580589258473407912010-01-25T07:38:00.000-08:002010-01-25T07:38:39.466-08:00

             The federal home renovation tax credit expires Feb. 1, 2010 If you’re planning on doing upgrades on your home or cottage, by purchasing the supplies and/or labour for the project before February 1, 2010, you can participate in the federal home renovation tax credit.    The home renovation tax credit is for 15 per cent of the cost of your project, up to $1,350.  To qualify, your

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-6976167928788101962010-01-20T09:45:00.000-08:002010-01-20T09:45:59.431-08:00

Canadian mortgage holders, including first time home buyers, are borrowing less, not more, than they can afford to borrow, according to a recent study by the Canadian Association of Accredited Mortgage Professionals.  The study is based on data from CAAMP members who issued more than 40,000 mortgage loans last year.  The findings show that only three percent of recent home buyers have a

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-25110205888287143342010-01-20T09:37:00.000-08:002010-01-20T09:37:13.526-08:00

     The Bank of Canada announced today that it is leaving its key interest rate unchanged. In its announcement, the Bank states that “conditional on the outlook for inflation, the target overnight rate can be expected to remain at its current level until the end of the second quarter of 2010.” The Bank also forecasts that the Canadian economy will grow by 2.9 per cent in 2010 and 3.5 per cent

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-83570816950120001062010-01-19T14:44:00.001-08:002010-01-19T14:44:37.710-08:00

Personalize funny videos and birthday eCards at JibJab!

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-30132641531303060882010-01-18T17:01:00.000-08:002010-02-10T08:45:52.131-08:00

     In the kind of economic environment we find ourselves in, it is more important than ever to connect with our customers. While social networking has changed the landscape of how we connect with people, we should be mindful that Social media are only tools and will never replace the fundamentals of human interaction. I found the following article on the web at Aqua Pebble, a marketing blog

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-48252861767371305492010-01-18T15:46:00.000-08:002010-01-19T14:04:26.750-08:00

On November 19, 2009, updates to the application of the HST to new and substantially renovated housing were released by the Ministry of Finance. As most people are now aware, the HST will apply as of July 1, 2010 to the purchase of new or substantially renovated homes. One change that will be welcomed by purchasers is the increase to the threshold for the new housing rebate from $400,000 to

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-53599682941582954172010-01-18T15:43:00.000-08:002010-01-19T13:28:15.410-08:00

For most Canadians, a home is the largest single investment they will make. In today’s complex real estate environment, homebuyers can face a range of unforeseen problems that can affect their rights of ownership and the future marketability of their property. One of the ways some homebuyers choose to protect their financial investment is with title insurance. What is Title Insurance?

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-58250416672426426462010-01-13T07:34:00.000-08:002010-01-18T15:05:42.755-08:00

RBC ECONOMICS RESEARCH - DAILY ECONOMIC UPDATE – January 11, 2010 Canada released both its Business Outlook Survey (BOS) and its Senior Loan Officer Survey (SLOS) for 2009’s fourth quarter this morning with the forming pointing to improving credit conditions in the quarter while representing stabilization from previously tight conditions. (The former survey was conducted over the period

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-54969193056608465182010-01-12T14:33:00.000-08:002010-01-18T15:06:29.860-08:00

A Bank of Canada economist stated yesterday that in the Bank’s view, “it is premature to talk about a bubble in Canadian housing markets.” In a policy speech in Edmonton, David Wolf, advisor to Mark Carney, argued that recent price increases “do not appear to be out of line with the underlying supply/demand fundamentals.” He also noted that inventories are still declining as housing starts are

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-81131523310277861262010-01-11T08:19:00.000-08:002010-01-19T13:29:46.127-08:00

Step 1: Mortgage Pre-Approval Arranging a pre-approved mortgage is one of the most important steps in the buying process. It not only protects you in the event of an interest rate increase, but also provides you and your Realtor a starting point for looking at homes – the last thing you want is to find your dream home and then be short of financing. An Invis mortgage professional can obtain

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com1tag:blogger.com,1999:blog-1093124296842424856.post-57497374806216223842010-01-08T06:34:00.000-08:002010-01-18T15:07:14.810-08:00

Given this is the time of the year we make resolutions, this may be the best 20 minutes you ever invest in.

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-52428695665191841142010-01-07T05:37:00.000-08:002010-01-19T13:30:18.342-08:00

With holiday purchases – a lot of them put on plastic – soon coming due, many Canadians are sorting through bills and realizing that they have too much high-interest credit card debt. This new year, consider taking charge of borrowing costs by paying off higher-interest consumer debt with funds secured through mortgage financing. A common mortgage option for consumers which offers

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-54155945088253116992010-01-06T10:39:00.000-08:002010-02-06T14:10:18.403-08:00

By Jack PerryBranding in this country has a long history, especially in the retail industry. Giant retailers consistently invest millions to make themselves foremost in your mind. Once they’re embedded in your mind, you’re programmed to expect certain quality, consistency, and benefits from their product. Then as these companies continue to expose you to their brands and their benefits,

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-87803498262521212522010-01-06T08:47:00.000-08:002010-01-19T13:33:44.074-08:00

Not all debt is created equal… the difference lies in how it helps – or hurts – your pursuit of your financial goals. Some debt can be seen as an investment in one’s future: • Borrowing money to maximize your RRSP contributions. • Loans with tax-deductible interest to earn investment income. • Borrowing to acquire an asset that may increase in value, such as your home or a rental property.

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-27901904000835577812010-01-06T06:08:00.000-08:002010-01-19T13:34:26.988-08:00

This recipe is form Saveur Magazine, one of my go to food publication. Wonton soup is a popular favourite and is not very difficult to make at home. I keep wonton in my freezer to use up for a quick snack. SERVES 4 – 6 "Even though wontons in broth have been established here as a traditional soup [course]," says Irene Kuo in her book The Key to Chinese Cooking(Knopf, 1977), in which a

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BY DERRICK PENNER, VANCOUVER SUNDECEMBER 17, 2009 Homeowners are being warned any rise in interest rates risks putting a financial squeeze on the large number of debt-laden Canadians who took out variable mortgages at rock-bottom rates. "Canadians are potentially leaving themselves wide open for significant financial obligations once interest rates begin to rise," the Mortgage Brokers

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The following article is my first monthly article to be published in the Westside Weekly. The article appeared in early December and I would like to thank Micah the editor for including my writing. Let me know what you think and feel free to make suggestions for further writing. Ringing phone: Mortgage agent: “Good afternoon, welcome to mortgage R US, how can I help you?” Prospective borrower:

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-74388047758574612572009-12-06T09:59:00.000-08:002010-01-27T08:33:02.404-08:00

Author: Elvis Ukpak In marketing, there is what is called the Unique Selling Proposition (USP). It is a major tool at the disposer of the marketer in order to differentiate and position itself effectively from its competitors. Some marketers position their products on the bases of price, durability, quality, user friendly and so on, as its USP. What about you as a person? What sets

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-89503508778222613182009-12-01T10:25:00.000-08:002010-01-19T13:54:34.798-08:00

This summary is courtesy Pascal Gauthier of TD financials. HIGHLIGHTS · The Canadian resale housing market has held up to its ‘first in – first out’ (FIFO) billing in this recession. Its downturn and recovery were also as V-shaped as can be. Sales and average prices have more than recovered. As of October, each stood 5% higher than its prior peak established in late 2007. · Viewing this

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Main courses | serves 4 - 6 This is Jamie Oliver’s twist on the old-school frumpy Anglicized dish of macaroni cheese. Using these four different cheeses together, each one with its own characteristics works really well. For the classic finish, it has to be popped under the grill to crisp up and go brown on to. Once you see how quick it is, you won’t be making any béchamel or claggy old

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-53743537690996856812009-11-29T16:19:00.000-08:002010-01-27T08:34:16.235-08:00

Video marketing has taken off over the last few years and has become a core part of most real estate marketing programs. However, the quality and content of real estate videos varies widely from grainy images of properties to more elaborate slick productions with music and voice over. Little work has gone into understanding what really should be communicated in these pieces. Further, there

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-71625165298618833362009-11-24T10:55:00.000-08:002010-01-18T15:28:28.181-08:00

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-23921948437867993262009-11-23T09:52:00.000-08:002010-01-19T13:57:29.523-08:00

This short summary on the impact of the HST comes courtesy of Una Gabie of Pushor Mitchell. On November 19, 2009, updates to the application of the HST to new and substantially renovated housing were released by the Ministry of Finance. As most people are now aware, the HST will apply as of July 1, 2010 to the purchase of new or substantially renovated homes. One change that will be welcomed

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-50230837640233023982009-11-19T13:48:00.000-08:002010-01-18T16:53:10.037-08:00

Prime ribs & Yorkshire Puddings Following is the best method I found for preparing a prime rib with Yorkshire Puddings. Follow these easy steps and you will impress your guests. Methods is from America’s Test Kitchen, one of my go to source for cooking information.Ask the butcher to cut the meat off the ribs, but make sure to keep the ribs because the meat is tied back onto them for roasting.

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-51850297649919522842009-11-19T13:17:00.000-08:002010-01-19T13:55:19.272-08:00

At the core of any real estate transaction is the purchase contract. Before signing a contract it is important for buyers and seller to understand each and every clause. Entering into a contract is serious business with real consequences if misunderstood. To avoid unpleasant surprises you should consult a legal professional early in the process. One of the key elements of the purchase contract

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-64435267907097164242009-11-19T13:12:00.000-08:002010-01-18T15:31:50.014-08:00

The Canadian Association of Accredited Mortgage Professionals (CAAMP) has just release its annual state of the residential mortgage market in Canada. It makes for interesting reading, here are some of their key findings for you to know. • Expectation about house price increases are highest in British Columbia • Over the long run 5% of Canadians buy a home, however in the fall of 2009 only 3.2%

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-82557967424365960842009-10-21T15:01:00.000-07:002010-01-19T13:58:39.393-08:00

This is a dish I have cooked a couple of time, and it has already become a favorite around my house. Its from Mario Batali’s book, Molto Italiano. Its great with Penne, Rigatoni or Gnocchi, serves 4. Ingredients: 1. ¼ cup of olive oil 2. 4 ducks legs, skinned, cut at the joint, visible fat removed, rinsed, and patted dry 3. Salt and freshly ground black pepper 4. 1

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-43986329175972169732009-10-21T14:08:00.000-07:002010-01-19T13:59:31.528-08:00

Another article from Una Gabie of Pushor Mitchell. In a recent decision of the British Columbia Supreme Court, an acceleration of the estimated completion date was sufficient to justify the remedy of rescission for two purchasers of condominium units. The Plaintiffs, two real estate agents, entered into agreements of purchase and sale for three units in a development in Vancouver. The

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-84700207352081229682009-10-17T19:39:00.000-07:002010-01-19T14:02:19.875-08:00

On Wednesday November 4th Invis will host its annual fundraiser “Angels in the night”. What is “Angels in the Night? About the Project Angels in the Night is a community effort that delivers newly-purchased coats, blankets, gloves, toiletries, and other essentials to homeless shelters across Canada. Every year in mid-December, hundreds of Angels in the Night volunteers – Invis

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-51915304086641782182009-10-13T18:20:00.000-07:002010-01-18T15:34:52.264-08:00

This article comes courtesy of my friend Una Gabie of Pushor Mitchell. She can be reached at As most people are aware, the harmonized sales tax was introduced for British Columbia on July 23, 2009. Many people are wondering how the new tax, which will be effective on July 1, 2010, will impact the real estate industry including the purchase of new and used residential homes. Once in place,

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-22279610356659962542009-10-11T10:51:00.000-07:002010-01-18T15:35:59.407-08:00

When unforeseen financial circumstances impact your ability to make regular mortgage payments, it’s important for you to take quick action. With early intervention, cooperation, and a well executed plan, you can work together with your mortgage professional to find a solution to your financial difficulties.What Can I Do to Help?If you find yourself facing financial difficulties, as a result of

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-15950605369540122462009-10-05T11:16:00.001-07:002010-01-18T16:53:43.057-08:00

Growing up in Quebec, turkey was something we ate at Christmas. Since I met my wife Heather I have learned to appreciate the rich tradition of the thanksgiving turkey; and every year I look foward to the process of preparing it. I usually start one week before, making my own bread and the stock I will be using. In a previous posting I describe how to guarantee a moist turkey by brining it: this

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-44840894371239018162009-10-05T08:48:00.000-07:002010-01-18T15:36:54.971-08:00

What is Mortgage Loan Insurance? Mortgage Loan Insurance is just that — insurance from a trusted third party, which protects lenders against default on a mortgage loan by a homeowner. In Canada, Mortgage Loan Insurance is generally required whenever a homebuyer has less than 20% of the purchase price available as a down payment. Because the lender is protected, they are able to offer mortgage

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-71945230949162148682009-10-05T08:41:00.000-07:002010-01-18T15:37:39.715-08:00

Mounting credit card debt is a problem for many Canadians these days. If you find that you’ve been overspending, it makes sense to look into how to limit your exposure to credit card debt, and the stress that comes along with it. Here are some suggestions: • Limit cash advances. • Know the grace period on your credit card. • Pay off credit card debt in full monthly to avoid high interest

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-46745562752225574232009-09-30T12:58:00.000-07:002010-01-18T15:38:24.042-08:00

Invis in the News September 30, 2009 GlobeandMail.com Haggling over your first mortgage Today's low rates make buying a house tempting but the stakes are high and the learning curve is steep You've been to the open houses, explored various neighbourhoods and perhaps even checked out local schools before settling on the home of your dreams. Now it's time to negotiate your first mortgage, a

Philippe Daigle - Kelowna Mortgage Experthttp://www.blogger.com/profile/18244767360602640409noreply@blogger.com0tag:blogger.com,1999:blog-1093124296842424856.post-56653650802562728692009-09-28T15:27:00.000-07:002010-01-27T08:33:45.937-08:00

For real estate agents networking is an effective way to market your service and increase your sales without spending a fortune on advertising. Networking can be a great way to grow any small business and gives you the ability to make connection with not only potential customers, but more importantly with potential fusion partners that you can leverage to grow your business. Too many people

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Many homeowners are unaware of the dangers posed by identity thieves when it comes to their real estate investment. Unfortunately, real estate title fraud is on the rise. According to the Canadian Association of Accredited Mortgage Professionals (CAAMP), real estate industry insiders now peg the average case of real estate fraud at $300,000. In comparison, the RCMP estimates the

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