Every Christmas, we at Royal LePage South Country take a few hours during Oliver’s annual light-up to host Santa Claus, so he can spend some quality time with the local kids. Proud parents can trade a small donation to the Food Bank for a quick photo session with the big guy!
Here’s a few from this year (sorry moms – with close to 100 families having joined us this year, we can’t fit them ALL in!)
Preparing to buy a home requires more than just a down payment. Before you purchase property, take time to understand your available mortgage options and balance your debt load. Thorough planning and smart budgeting now can help you avoid running into high debt or repayment problems down the road.
Farhaneh Haque, director of mortgage advice at TD Canada Trust, says that first time home buyers should answer three important questions before they start hitting any open houses this season.
• Do I understand the process? It never hurts to meet with a mortgage specialist to learn more about the home buying process and the different mortgage options available, such as fixed versus variable rate mortgages, flexible repayment schedules, and even mortgages that offer cash back. Before falling in love with a home, consider getting pre-approved so you know what you may be able to afford and avoid getting disappointed by falling in love with a home that is outside your price range.
• What is my personal debt load? If you have other obligations like a car payment or student loan, ensure you are taking on a mortgage that you can manage within your total budget. Try using an online debt management calculator to help determine how much debt you can reasonably take on based on your income, current debt payments and expenses.
• Can I afford my mortgage and save for the future? Sometimes home buyers take on more debt than they can manage and quickly find themselves "house poor" – with no money left for future savings or a rainy day. Before you take the leap into homeownership, crunch the numbers to ensure your budget reflects the lifestyle you want after you move into your new home, and you are clear on what sacrifices you may need to make to continue to live comfortably and save for your future.
Mortgaging is kind of like a collectivized loan that can affect you and your family for a long time if it is not worked out properly. People generally fall for deceptive advertisements boasting about best mortgage rates, so you need to be cautious.
Many people who have fallen into the trap of companies offering the best mortgage rates have experienced problems down the road. It is very important to go through each and every piece of the mortgage deal that you are making. Do not get carried away by those deceptive advertisements that would make your life a disaster. A small mistake, or one wrong signature, and you could end up paying installments for your mortgaged property for the rest of your life.
A thorough study of the entire plan, and all its terms and conditions, is necessary if you want to go for a safe mortgage plan with the best mortgage rates. Buying a home is the biggest investment that you will make in your life, and you would not want anyone to fiddle around with it. Mortgaging is an option for people who cannot afford to pay entire amount in a single go, and thus they look for deals with mortgage rates suitable for their pockets.
Always try to understand the power of credit limits that you can impose on yourself. There have been many examples from the market where people have actually gotten deals with great mortgage rates, but due to their negligence and insufficient funds, they have created traps for themselves and fallen in.
If your relations with your bank are good, then they would also offer you some interesting deals with a good mortgage rate. If you are one of their privileged clients, then you might be entitled for special discounts on mortgage rates. If you go into your loan search with a high credit score and a clean credit record, you would also have better bargaining power.
If you have stains on your record, you should try to get them cleaned up before going into negotiations. If you can afford to, hire a financial advisor who can help you out with the deal, making the best possible negotiation for you with the mortgaging company, credit union, Investment Company or banks with which you are dealing. Each person should play carefully in the mortgaging business, even if he is getting the best mortgage rates for his deal.
Always prefer fixed mortgage rates for your deals. This will be beneficial and score great mortgage rates with no regrets. Interest rates can bounce around, but if your deal has a fixed rates, then it is one less thing for you to worry about. Proceed in your deal with sound mind and alert eyes and nothing will go wrong.
Crown molding is a great way to beautify an ordinary looking home into one that exudes class and style. Crown moldings are typically decorative strips made up of wood, plastic, or fiberboard. These are introduced to any room decor in an effort to camouflage the existing flaws and ugly blotches on the walls or ceilings. The crown molding is therefore similar to a wall decoration which adds a touch of elegance to a room, making it appear more grand and unique.
Crown molding ideas can be retraced to the Roman and Grecian culture where it became vastly popular. Wooden crown molding gained popularity later when craftsmen mastered the art of cutting, sanding, and carving wooden blocks to create masterpieces. Crown molding is affordable and can be implemented in almost any type of room. You can buy the raw materials yourself and get it made professionally by customizing it. What materials you choose for crown molding will largely determine how durable and beautiful it is going to be. Superior quality materials for home furnishing are likely to be far more expensive but are less likely to be damaged.
Home furnishing experts choose crown molding these days because it helps heighten a property’s real estate standing. When a property appears visually stunning, chances are buyers will be willing to pay more for it. Simply demolishing walls to give your rooms a spacious look is not enough; instead, this is more expensive and impractical. An easier and economical alternative is using decorative columns and ceiling medallions for your home decor. These home decor ideas are easy to implement and will not cost you dearly.
Buying crown molding online can give you many advantages. This is because you can purchase your decorative columns or door casings or ceiling medallions directly from the maker without having to handle the wholesalers and retailers. They offer you the luxury of customizing your home furnishing ideas and guarantee you good quality materials. Unlike furniture, such decorative columns or ceiling medallions will not occupy unnecessary space, nor will they clutter the room. Besides, they are fire-resistant and help keep away harmful UV rays. Crown molding can be easily maintained and these products seldom rot. Installing them is never a problem and most of the products can be set up by following simple instructions, except ceiling medallions where professional assistance is recommended.
Crown molding can come in various designs like the traditionally classic designs which help add elegance and class to your home decor. Crown molding in the kitchen is similar to ceiling and wall decorations, but the installation process is different. Although challenging, using crown molding is a sure way of giving your rooms that much-needed makeover. It helps give every room a distinct flavor, an aesthetic appeal, a unique personality, and a sophisticated touch.
When choosing the crown molding for your rooms, make sure to choose the right molding depending on the room dimensions and ceiling height. Select the materials that are sturdy, dependable, and weather-proof. The world of home furnishing has undergone a revolutionary change with the advent of crown molding.
By: Walter Mitchell
Are you thinking about using a keyless entry deadbolt for your home, but are not sure this is smart? Then you need to be aware of the many reasons why it is smart for anyone.
There are a number of reasons that you have to be aware of, but the following are the most essential reasons for you to know.
One: Security – When you use a keyless deadbolt, this will make your security much better for your family. No burglar is going to be able to just break into your home anymore.
They will have a very difficult or even impossible time trying to get in. These deadbolts are designed so they will be able to keep people out that you don’t want in your home.
When you want to keep your family safe, security is the most important thing you can provide them against burglar danger. The only way to make sure that your family stays safe is to make sure that danger can’t get into your home and this lock was designed to do just that.
Two: Convenience – You will not have to worry about losing your keys and not being able to get back into your house, when you have this type of lock for your home. With it being keyless, it is very simple for anyone in your family to get in and not get locked out.
Three: Prevents theft of your keys – Using a keyless door lock requires the use of your fingerprints for your family to get into their home. This means that you will be safe from someone taking your keys and using them to gain access to your home and they won’t be able to make a copy of them either.
This will prevent anyone from being able to get into your home from the theft of your keys. That means better security and safety for your family, which is very important these days.
Four: Multiple users – You can choose to add as many people’s fingerprints to the deadbolt system as you need to. Adding and removing fingerprints is really easy for any family to do.
This makes it simple for everyone in your family to have their fingerprints added so that they never have a problem getting into your home.
These are the main reasons that you want to consider using a keyless entry deadbolt for your home. There are many benefits to using this type of lock for your home, as you can see. Now, you just need to decide if this is the right type for your home, or if you prefer another type that may not offer these benefits for your family.
by: Jeff Schuman