July 2019

Found 21 blog entries for July 2019.

When it's time to buy your new house, there are 2 different types of mortgages to take a look at: adjustable rate and a fixed-rate mortgages. If it's your first time buying a home, you'll want to know the difference between the 2 kinds of mortgages so that you can have a general understanding of what they are before the mortgage broker attempts to explain them to you.

Adjustable Rate Mortgages

This often seems like the most attractive mortgage due to its lower interest rate. At the beginning of the mortgage term you'll be offered an interest rate that is lower than the one you'd find with a fixed-rate mortgage. The problem is that the rate of interest won't be locked in and later on the monthly payments can go up if the interest rate rises. In

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If you're looking for a mortgage as a self-employed individual here in Canada there's a mountain you're going to have to climb to get it. Self-employed mortgages don't come easy in this country for a variety of reasons that all boil down to 2 main issues for the lender.


Why is it More Difficult to Get a Mortgage When You're Self-Employed?

  • Income from a small business is a lot harder for the mortgage lender to document than the income coming in from a base salary.
  • Most people that are self-employed can have waves and then lulls of money flowing in. This adds a certain risk for defaulting on the loan that many lenders don't want to touch.

What Advantages Do You Have When You're Self-Employed?

As a self-employed professional you

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The Importance of Home SecurityThe answer to this is a resounding yes. No matter what type of budget you have, any type of security system is better than nothing. In fact, you can simply set up a fake one if you really can't afford a security system or you can make one that makes thieves think that a real one has been set in place. The criminal mind isn't smart enough to linger around a place trying to decide whether the security system is real or how well it is designed. Unless you have a luxury home, these thieves won't be taking a second look at the design of the system itself but will only be concentrating on whether you have one set in place or not.

When Price Isn't A Concern

If you're willing to pay the price for a full security system you should be looking for one that

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Business Spotlight: Escape 60

More than 430 reviewers on Google have given Escape60 a nearly perfect five-star rating! What makes their escape rooms different from most?

Sandeep and his brother decided to open Escape60 so they could work together while providing customers with an elevated experience. Of course, it helped that both loved the joy and excitement of the experience/adventure-based industry.

"Our work ethic and growth mindset also contribute to Escape60's success," smiles Sandeep, "along with our openness to change and willingness to adapt to our customer's needs and wants."

The brothers know that change is important, but so is sticking to the aspects of the business that work. For example, they knew that their customers wanted challenging and fun escape

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What Do Homeowners Need To Know When SellingThose wondering how to sell your home in Canada should prepare themselves for myriad possibilities during the process. Because of the complexity of the procedures involves such as legalities, paperwork, negotiations and costs to consider, first time home sellers may find the experience daunting. However, here are some home selling tips to ponder while preparing the household for the process.

Understand the Cost of Selling a Home in Canada

While the process may differ slightly for each case, the question of how to sell a home in Canada still involves various cost and fees that are standard industry-wide. Here are some of the costs that sellers should be prepared to handle:

Legal Fees and Disbursements: First time home sellers should give

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The Best Flea Markets in CalgaryFinding the right price on an item you want doesn't always mean paying full price. Sometimes a used item is just as good as new or even better. If you're searching for something old or you just want to save a little cash, here are a few of the best places for bargain hunting in Calgary.

Hillhurst-Sunnyside Community Centre

When spring rolls around, the market at this community center opens up in the parking lot. This flea market provides all types of items and you can walk away with a bag full of goodies for under $10. Prices are almost always negotiable and the things you will find here may take you on a journey back to your youth.

Heritage Flea Market

Another great place for bargains is the Heritage Flea Market. This is an interesting

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What Are the Best Halloween Events in Calgary?Halloween isn't just a time to gorge on candy in preparation of the bigger winter holidays. It's a fun way for people to get together and pay homage to the unexplained phenomena of the world. It's a good time to let loose, learn something, and get caught up in a new world (if only for just a day). Those in Calgary have their pick of things to do around this magical time of year, so check out the many wicked events happening in this great city.

Dash of Doom

If ghosts and ghouls are stories designed to get our collective adrenaline running, then why not lean into that feeling just a little more? Running is a great way to strengthen the heart and basically every other part of the body along with it, no matter what time of year it is. However, this

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Business Spotlight: Cluck n Cleaver

Interior of Cluck and Cleaver Restaurant

Director of Poultry, Francine Gomes, and Chief Chicken Officer, Nicole Gomes, cry fowl on anyone that thinks they find a tastier chicken in Calgary. The duo launched Cluck N Cleaver for one simple reason: they love chicken. It's their favourite food.

In addition to the outstanding menu items (southern fried chicken, classic rotisserie, and the Mother Clucker sandwich are just some of the delights), Cluck N Cleaver has found success by staying true to their core values for both product and service.

"And, more importantly," Francine adds, "staying true to the values of our employment culture."

Cluck and Cleaver Restaurant Mascot With Fried Chicken

She admits that opening and running Cluck N Cleaver is an ongoing learning experience, but the pair welcome the challenges by always cracking onto

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4 Ways You Can Improve Your Home’s MarketingWhen selling a home, marketing can easily make or break a sale. Good marketing can impress buyers right from the very beginning and draw them to the home. While real estate agents will typically handle most of the home’s marketing themselves, homeowners can also do their part to add to and improve the marketing. Here are some of those ways.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

1. Make Sure the For Sale Sign is Visible

While having a for sale sign may seem obvious to some people, it isn’t to others. Some homeowners think a big sign in the front yard is an eyesore, or they may think openly announcing that the home is for sale could bring

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Annual Home Maintenance Schedule For HomeownersOwning a home comes with a vast array of responsibilities, some of which can be difficult to keep up on a regular basis. But while it's nearly impossible for homeowners to hit every task on the ideal maintenance list, it is possible to form better habits now, so they're easier to repeat year after year. Keep the following tips in mind when putting a yearly maintenance schedule together for a Calgary home. The more of these little jobs an owner can check off their list, the less likely it is they'll have a major problem pop up when they least expect it.

Every Single Month

The first thing that owners should learn to do is inspect their home every month. Learning the home inside and out may seem like unnecessary advice to some. After all, the

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