November 2012

Found 19 blog entries for November 2012.

When it comes down to choosing the right mortgage you need to know that both fixed and variable mortgages are both good options. These days, however, with the interest rate being so low, most people are choosing a fixed rate mortgage since it offers the security that you won't find with a variable rate.

It wasn't too long ago when the variable rate option was a better choice for people that preferred to take the risk to see if mortgage rates would go down.

One of the things to keep in mind when you're looking at the differences between a fixed and a variable rate mortgage is your ultimate goal. While some people plan on making their payments monthly over the entire mortgage term, others want to pay off their mortgages as quickly as possible to lessen

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CHMC has just released two new tools that will be extremely helpful to prospective home buyers. These tools will be especially helpful to first-time buyers that need help crunching numbers for a future mortgage.

CHMC mobile app

This app has appropriately been named 'Ready, Set, Go' and helps buyers - especially those that are gearing up to purchase their first home. Users can access CHMC tools and information they'll need regarding a home purchase from any location using their mobile device. A wide selection of courses, articles and calculators can be accessed through this app that is keeping pace with today's technical age and making the buying process that much easier.

CHMC new calculator

CHMC has introduced a new calculator, which is sure to

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CP rail is relocating to Ogden and according to Bob Jablonski, Calgary Real Estate Board president, this is a good move. The relocation will free up some much-needed commercial space in the downtown core while staying in the Calgary region.

This opens the door for other companies to migrate into the city core and the timing couldn't be better. Office space has definitely been sparse downtown for quite a while.

The headquarters for CP were located on 9th Avenue SW in the huge glass building that turns the heads of passersby. Now it's time for other companies to move in and experience the Calgary core and all it has to offer.

CP owns the Ogden rail yard and will be moving most of the headquarters here according to union officials. This is going

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If you have young children and are looking for Calgary homes that have a pool, make sure that you have considered all angles first. While it is nice to have a family pool and you'll be able to teach your children to be comfortable in the water at a young age, there are a lot of responsibilities that you'll have to take on.

Safety and security will need to be at an all-time high if you have a pool. There should be alarms set at all doors and they need to be tested regularly. Any time anyone enters or leaves the home this alarm will go off unless it has been disarmed first. Usually there is a button that is very high up that needs to be pressed before the adult leaves the home to avoid having the alarm sound.

These types of precautions need to be

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You've probably made quite an investment in your asphalt driveway and want to get as many years out of it as you can. By putting a small time investment into your driveway you'll be able to extend the life of it while adding to the curb appeal of your home. Before the freezing temperatures take over your driveway, here's what you need to do.

Do an inspection

Do a visual inspection of your driveway very carefully and look for any potholes, cracks or oil stains. Grease and oil stains can be removed by scrubbing them with a firm brush and soap and water or with a degreaser. Cracks need to be filled using a liquid filler that you can purchase at a local home renovation store. Make sure that all of the cracks are addressed, even the tiny ones to avoid

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Christmas day! This is the one day out of the 365 days in a year that is the best to put in your offer for a new Calgary home. If you're looking for that exclusive buyer's edge that will help the land the home of your dreams, do it at Christmas. There won't be too many other people putting in an offer for any type of property on this day.

Of course, you'll have to find a real estate agent that will go along with your reasoning. Most agents have a family of their own and wouldn't consider taking time off on Christmas to land a deal. There are others though that would work on your behalf and help you secure a Christmas home. You'd want to talk to the real estate agent beforehand to find out if this could be a possibility.

The second best day is...

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You've made it! You've finished all of your schooling, sent out your resumes and have landed a great job. Now it's time to take a look at your student debt and figure out how it fits into the budget. If you're like most young workers that are just fresh out of school you may not know a lot about setting up a budget or what's involved in paying off your debt. Here is some of the most important information you'll need to know to help you get your debt paid off quickly while keeping your credit files clean.

1. Don't take on extra debt

You may be sitting on quite a debt load right now and the last thing you’ll want to do is add to it. You've got a new job and this is the time when credit card companies may start to give you offers. Take these offers

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Too many people put off buying their Calgary home due to market fluctuations. They want to make sure that the timing is absolutely perfect before going ahead and making their purchase. They may also be analyzing such things like interest rates and putting off making a decision until the timing is perfect.

One thing that you can bet on is that inflation is always going to rise no matter what is happening with the real estate market here in Calgary. This means that the value of each and every dollar that you have in your pocket right now it's only going to go down. There's no escaping that. It's a fact of life.

In Canada, there can be a lot of fluctuations in the market but they always get stabilized in the end. These fluctuations are very minor

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Most people at some time or another in their lives decide to take on a home renovation project. If it's your first time doing some extensive work on your home you may not know exactly what to expect. You work out a budget, hire a contractor and then what happens? Well in most cases, you’ll need to expect some delays and will have to spend more money than what you budgeted to get a final product that you absolutely love.

Prepare for extra expenses

When you ask for an estimate from a company this is exactly what you can expect - an estimate. It's not a final binding contract between you and the contractor for final expenses. It's not rare to see a project go over the estimated price - in fact you can go so far as to say that it is a common practice.

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If you're planning a trip soon to the area and have some children that you'll want to keep occupied, there are some great Calgary hotels with waterslides available. With the cold weather setting in you may want to consider staying at a hotel that provides facilities for children that will help get them out of the room and away from the TV.

Whether you're heading to North West Calgary to look at real estate or have another reason to join us in this beautiful city, there are some great hotels that are perfect for the kids. After a busy day of looking at homes on the market or perhaps doing some shopping and sightseeing, there's no better way to help the kids wear off some of their excess energy than by offering them a swim. They'll sleep well at night

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