Satisfying each step of HOME BUYING all in one place ~ "about time!"

LIFE INSURANCE PROFILE

Please create a profile to help life insurance agent assist you.

What are your insurance needs?

When planning for financial security in the event of death, there are two major areas of concern. To help us start the process, please provide estimates:

Immediate Needs

Burial expense

Debt elimination (i.e. mortgage, credit cards).

Emergency fund

TOTAL

Annual Survivor Income Needs

Household Gross Income required

Survivor's gross earned income

Number of years of income required

Name

Email Address

Phone

City

Best time to call

What is your agent preference (i.e. age, language, experience)?

No. of dependents

Smoker or non-smoker

Yes

Birth date

Info & Updates

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WInter preparation November 17, 2008
The leaves are now off the trees. What’s next? Of course, winter. You need to prepare your home for it. Here are a few tasks you want to undertake … quickly! 1. Clean furnace, ducts, humidifier, chimney and fireplace, 2. Vacuum smoke detectors, 3. Check gauge on all fire extinguishers, 4. Clean drains in dishwasher, sinks, bathtubs and shower stalls, 5. Ensure all doors to the outside shut tightly, 6. Ensure windows and skylights close tightly, 7. Cover outside of air conditioning units, 8. Clean leaves from eavestroughs and roof, 9. Drain and store outdoor hoses, 10. Close valve to outdoor hose connection and drain the hose bib.

Some good news November 16, 2008
A few observations from a recent CMHC CMHC The Canada Mortgage and Housing Corporation is a federally owned and operated institution that evaluates the client and property to allow the borrower to purchase a home with a lower down payment requirement. This corporation insures the mortgage on behalf of the bank, through a premium added to your mortgage. This way the banks are obligated to provide a mortgage for those with less than a 20% down payment. report: Toronto sales volume to fall 8.5% but prices to rise 1.8% in ’09. As a buyer your going to face an increasing level of choice. Rate of home ownership will increase. Immigration will continue to drive the Toronto market.

Buying the WORST house November 15, 2008
You might have heard the strategy of buying the worst house on the street. The reasoning is that after you spend some time with renovations you can expect a huge jump in value. Before you adopt this strategy, ask yourself; does the idea of dedicating my weekends to home improvement projects appeal to me?

Buying in Today's Market November 14, 2008
A few tips for the savvy home buyer looking for a deal as home prices decline: 1. Create a home search profile and get your realtor to automatically send you listings that match. We are going to start seeing deals soon as prices continue to decline. Don't miss the opportunity. 2. Get a mortgage preapproval so you can pounce quickly on opportunities. By getting a mortgage pre-approval you can also save a rate for up to 120 days at no cost and no commitment to you. 3. If you are interested in a new condo project, you have lots of room to negotiate as developers need the money to build. Ask them for extra perks.