Saturday, December 30, 2017

Lost Keys 1998 Toyota 4Runner | Mr. Locksmith Automotive (604) 259-7617

Lost Keys 1998 Toyota 4Runner | Mr. Locksmith Automotive (604) 259-7617

For further information go to Mr. Locksmith Automotive.

Randy from Mr. Locksmith made keys for a customer in Surrey BC who had lost Keys 1998 Toyota 4Runner in Surrey BC.

Keys that would open the Toyota and start the car were made quickly and with no damage to the car. The customer not only has extra keys now but also the Car Code so if they lose the keys again Mr. Locksmith Automotive can make a key from code and saves the customer money.

 

Lost Keys 1998 Toyota 4Runner in Surrey BC

Lost Keys 1998 Toyota 4Runner in Surrey BC

Lost Keys 1998 Toyota 4Runner in Surrey BC

Lost Keys 1998 Toyota 4Runner in Surrey BC

 

 

Call Mr. Locksmith for further information http://ift.tt/1htmS6q

or email: info@mrlocksmith.com

Mr. Locksmith Abbotsford

Abbotsford Locksmith Main: (604) 200-8622

Downtown Vancouver Locksmith: (604) 262-1907

Downtown Vancouver Keystore: (604) 669-8008

Mr. Locksmith Automotive: (604) 259-7617

For On-line and Hands-on Locksmith Training Dates and Cities near you by Terry Whin-Yates for Beginners, Intermediate, Advanced Locksmithing as well as my Covert Methods of Entry, Non-destructive Methods of Entry and to purchase the Famous “Dumb Key Force Tool” that opens Smart Key locks go to Mr. Locksmith Training

For Locksmith Franchise and Licensing Opportunities go to http://ift.tt/1Q6sOkb

 

 

 

 

The post Lost Keys 1998 Toyota 4Runner | Mr. Locksmith Automotive (604) 259-7617 appeared first on Mr Locksmith Abbotsford.



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Friday, December 29, 2017

Current Mortgage Rates for Friday, December 29, 2017

It’s the last trading day of 2017 and mortgage rates are mostly flat, on track to finish out the week a little lower than where they started.

Current mortgage rates are expected to rise throughout 2018 so it does seem like the best move for most people looking to buy or refinance is to lock in a rate now. Read on for more details.

Where are mortgage rates going?  

Rates finish the week lower       

Here we go with the last trading day of 2017. It’s on track to be a fairly quiet one as there’s no significant data out and most everyone already has their eyes on another holiday weekend.

[tmslink name = “rates”]

If we take a look at the yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going), we can see that it’s down a little over one basis point from the start of the day at 2.42%.

Except for the big adjustment on Wednesday, which sent Treasury yields and mortgage rates lower by a few basis points, there really hasn’t been much action this week.

Looking back at 2017  

Mortgage rates in 2017 largely held around very accommodating levels for borrowers.

According to the Freddie Mac Primary Mortgage Market Survey (PMMS), we can see that the average rate on a 30-year fixed rate mortgage varied from a high of 4.30% on March 16th and a low of 3.78% on September 7th.

Yesterday, we saw in the PMMS that the average on a 30-year fixed is 3.99%. We’re definitely in a better position to start 2018 than many analysts had expected would happen at the beginning of 2017.

The general consensus for 2018 is that mortgage rates are going to gradually increase as the Federal Reserve continues to tighten the nation’s benchmark interest rate and wind down their balance sheet.

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Rate/Float Recommendation                                                     

Lock now

Given that mortgage rates are expected to rise over the coming months, we think that the best decision for most borrowers is to lock in a rate on a purchase or refinance sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                                 

  • Nothing to see here today

Get the GreenLight and close in 21 days*     

Notable events this week:          

Monday:                       

  • Closed for Christmas

Tuesday:    

  • S&P Corelogic Case-Shiller HPI
  • Richmond Fed Manufacturing Index
  • Dallas Fed Mfg Survey

Wednesday:      

  • Consumer Confidence
  • Pending Home Sales Index

Thursday:         

  • International Trade in Goods
  • Jobless Claims
  • EIA Petroleum Status Report

Friday:      

  • Nothing

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*Terms and conditions apply.



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Thursday, December 28, 2017

Current Mortgage Rates for Thursday, December 28, 2017

We saw some surprising action in the bond market yesterday which had the effect of pushing mortgage rates lower. Today, rates are holding around those levels.

Given that rates are expected to rise over the long-term, we think that anyone looking to refinance their current mortgage or buy a home should lock in a rate soon. Read on for more details.

Market Outlook 12.26.17 from Total Mortgage on Vimeo.

Where are mortgage rates going?  

Rates down on the week

It’s no doubt a slow, holiday-shortened week for many in the U.S., but surprisingly, we’ve actually seen some action in the bond market this week with the 10-year yield (the best market indicator of where mortgage rates are going) performing its largest single-day drop in three months yesterday.

[tmslink name = “rates”]

Starting at nearly 2.48%, the 10-year yield wound up falling to a low of 2.41%, before finishing out the day at 2.42%.

The general consensus among analysts is that last week’s bond sell-off (due to the passage of the Republican tax bill through Congress) was a bit overdone by financial market participants, and so there’s been a bit of a retraction this week as positions got reconsidered.

What does this have to do with mortgage rates? Well, mortgages largely get bought and sold on the secondary market where they’re packaged as mortgage backed securities (MBS), and as they mature similarly to government bonds, they compete for similar investors.

Therefore, when government bond yields (specifically the 10-year yield) adjust, yields on MBS adjust and subsequently, so do mortgage rates.

After all of the action yesterday, we’re not seeing much movement to the 10-year yield today, so mortgage rates are mostly flat right now.

Freddie Mac PMMS

We did get the Freddie Mac Primary Mortgage Market Survey out this morning, which showed (unsurprisingly) that mortgage rates rose this past week. Here are the numbers:

  • The average rate on a 30-year fixed rate mortgage increased five basis points to 3.99% (0.5 points)
  • The average rate on a 15-year fixed rate mortgage moved up six basis points to 3.44% (0.5 points)
  • The average rate on a 5-year adjustable rate mortgage jumped up six basis points to 3.47% (0.5 points)

It’s always important to note that the data for the PMMS is collected early on in the week and therefore does not necessarily reflect current market conditions.

For instance, this week’s survey does not reflect yesterday’s drop in the 10-year yield. Here is what Freddie Mac’s Economic and Housing Research group had to say about rates this week:

“As we expected, mortgage rates felt the effect of last week’s surge in long-term interest rates in the final, shortened week of 2017. The 30-year fixed mortgage rate increased 5 basis points to 3.99 percent in this week’s survey. Although this week’s survey rate represents a five-month high, 30-year fixed mortgage rates are still below the levels we saw at the end of last year and early part of 2017. Mortgage rates have remained relatively low all year.”

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Rate/Float Recommendation                                                     

Lock now

Mortgage rates are expected to rise throughout 2018, so we believe it definitely makes sense for most borrowers to lock in a rate sooner rather than later in order to try and get the best deal. It only takes a few minutes with our online form or a quick phone call to a mortgage specialist to get started.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                                

International Trade in Goods  

The nation’s trade deficit for November widened to $69.7 billion. However, exports did increase 3.0%.

Jobless Claims  

Applications filed for U.S. unemployment benefits came in at 245,000 for the week of 12/23/17. That’s a little higher than the 240,000 that was expected, bringing the four-week moving average up to 237,750.

EIA Petroleum Status Report 

  • 10:30am

Get the GreenLight and close in 21 days*     

Notable events this week:          

Monday:                       

  • Closed for Christmas

Tuesday:    

  • S&P Corelogic Case-Shiller HPI
  • Richmond Fed Manufacturing Index
  • Dallas Fed Mfg Survey

Wednesday:      

  • Consumer Confidence
  • Pending Home Sales Index

Thursday:         

  • International Trade in Goods
  • Jobless Claims
  • EIA Petroleum Status Report

Friday:      

  • Chicago PMI

[contentbox id=”3″]

*Terms and conditions apply.



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Wednesday, December 27, 2017

3 Things to Know About Before Remodeling Your Bathroom

Content originally published and Shared from http://perfectbath.com

Giving your bathroom a new look for the upcoming new year is a great way to indulge yourself after the busy schedule you’ve had during the holidays. But before you proceed on your plans, here are some pointers to consider:

Image Source: Flickr

Consider how long you won’t be able to use the bathroom
“How long does a bathroom renovation take?” Many people are surprised when they hear that a quality bathroom renovation takes about four weeks. Renovation shows are not reality!

Many people don’t have a spare bathroom they can use while the renovation takes place. If that’s the case for you, plan ahead. Hire a portable toilet or shower from a reputable builder, join a nearby gym (there are often free trials you can take advantage of) or consider renting elsewhere for a month while the job is done. None of these are ideal, but if you’re going to build a bathroom to last 20 to 30 years, that month of inconvenience will quickly be forgotten when you step inside Source: Houzz

Don’t forget to update the fixtures
No renovation is complete without remodeling or repairing fixtures and features, which could very well make a separate checklist themselves: shower, bathtub, toilet, bidet, sink, faucets and shower heads. You should also update or repair your mirrors and shower doors. You can also change the look of your bathroom very easily by changing out door handles, drawer pulls and the hardware for your shower doors. If you have the budget a new set of shower doors can completely change the look of your room. Source: Freshome

Order fixtures ahead of time
Regardless of whether you are buying from a high-street store or a high-end brand, factor in delivery times. Big name manufacturers might take three or four weeks to deliver, while luxury brands can take around eight weeks. Any custom products will take longer so give yourself plenty of wriggle room to avoid having contractors twiddling their thumbs on site. Source: IdealHome

Check out the latest trends in bathroom fixtures when you visit our site today!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Things to Know About Before Remodeling Your Bathroom appeared first on Perfect Bath Canada.



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Current Mortgage Rates for Wednesday, December 27, 2017

Mortgage rates are moving a little lower today after some disappointing economic data was released. However, the long-term trend for mortgage rates continues to be for them to move higher, so borrowers should try to take action sooner rather than later. Read on for more details.

Market Outlook 12.26.17 from Total Mortgage on Vimeo.

Where are mortgage rates going?  

Rates down a little today   

We’re already halfway through the holiday-shortened week.

[tmslink name = “rates”] 

Trading volume is usually muted during the last week of the year, but we are seeing a little movement today after a disappointing Consumer Confidence report.

That’s pushing the yield on the 10-year Treasury note (which is the best market indicator of where mortgage rates are going) down a few basis points. Current mortgage rates typically move in the same direction as the 10-year yield, so we’re seeing a mild softening today.

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Rate/Float Recommendation                                                     

Lock now

Looking ahead to the foreseeable future, it seems as though mortgage rates are destined to continue their gradual ascent. For this reason, we think that the smart decision is to lock in a rate sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                               

Consumer Confidence 

Consumer confidence for December came in at 122.1. That’s below both the consensus for 128.0 and the prior revised reading of 128.6.

Pending Home Sales Index

The pending home sales index rose 0.2% for November. That’s a little lower than the 0.5% that analysts had projected.

Get the GreenLight and close in 21 days*     

Notable events this week:          

Monday:                       

  • Closed for Christmas

Tuesday:    

  • S&P Corelogic Case-Shiller HPI
  • Richmond Fed Manufacturing Index
  • Dallas Fed Mfg Survey

Wednesday:      

  • Consumer Confidence
  • Pending Home Sales Index

Thursday:         

  • International Trade in Goods
  • Jobless Claims
  • EIA Petroleum Status Report

Friday:      

  • Chicago PMI

[contentbox id=”3″]

*Terms and conditions apply.



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Tuesday, December 26, 2017

Current Mortgage Rates for Tuesday, December 26, 2017

We’re kicking off what should be a slow, holiday-shortened week with little movement for current mortgage rates. However, rates are expected to rise over the coming weeks, so we believe the prudent decision for borrowers is to take action sooner rather than later. Read on for more details.

Where are mortgage rates going?  

Rates mostly flat to start the week 

Here we go with another week. Trading volume in between Christmas and New Years is typically much lower than normal, so it’s possible that we don’t see mortgage rates move around that much over the next few days.

[tmslink name = “rates”]

The economic calendar for this week certainly plays into that type of scenario. There are a few reports out here and there but nothing that we expect to really sway market participants too far in one direction or another.

As we march on toward 2018, the big story for now is the jump in treasury yields last week after the Republican tax bill passed through Congress. Once news started to spread that the bill was going to get approved, we saw an immediate sell-off of government bonds, pushing yields higher.

The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, spiked up about twelve basis points last Tuesday. That pushed the 10-year yield up to a level not seen since March.

Of course, if we take a look at the Freddie Mac Primary Mortgage Market Survey results for 2017, we can see that the highest reading for rates this year also took place back in March.

It will be interesting to see what happens with the PMMS this week. The main takeaway here is that mortgage rates are on the rise. This is something that we’ve been expecting to happen, and that we expect to continue to happen over the coming weeks and months.

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Rate/Float Recommendation                                                     

Lock now

Given that rates are expected to gradually rise, we think that the smart decision is for borrowers to lock in a rate now in order to try and get the best deal possible on a purchase or refinance.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                              

S&P Corelogic Case-Shiller HPI 

The 20-city seasonally adjusted index rose by 0.7% for October. The 20-city non seasonally adjusted index rose 0.2% for October, putting it at 6.4% year over year.

Richmond Fed Manufacturing Index

The Richmond Fed Mfg Index hit 20 for December. That’s slightly below the consensus for 23.

Dallas Fed Mfg Survey 

The Dallas Mfg Survey came in at 29.7 for December.

Get the GreenLight and close in 21 days*     

Notable events this week:          

Monday:                       

  • Closed for Christmas

Tuesday:    

  • S&P Corelogic Case-Shiller HPI
  • Richmond Fed Manufacturing Index
  • Dallas Fed Mfg Survey

Wednesday:      

  • Consumer Confidence
  • Pending Home Sales Index

Thursday:         

  • International Trade in Goods
  • Jobless Claims
  • EIA Petroleum Status Report

Friday:      

  • Chicago PMI

[contentbox id=”3″]

*Terms and conditions apply.



from Total Mortgage Blog http://ift.tt/2DUu3T9

Stanley Park Ghost Train | Mr. Locksmith Vancouver

Stanley Park Ghost Train | Mr. Locksmith Vancouver

For further information go to Mr. Locksmith Vancouver.

This years 2017 Stanley Park Ghost Train takes our riders on a journey through a mystical and magical world, inspired by Hallowe’en and other spooky tales. This family event is open to all ages and offers a fright free glimpse of the whimsical world of ghosts and ghouls. The Stanley Park Ghost Train is “Alien Invasion!”

Location: The Stanley Park Train is located on Pipeline Road in Stanley Park, via the West Georgia Street park entrance Vancouver British Columbia.

 

Vancouver Stanley Park Ghost Train

Vancouver Stanley Park Ghost Train

Vancouver Stanley Park Ghost Train

 

 

 

 

 

 

Vancouver Stanley Park Ghost Train

Vancouver Stanley Park Ghost Train

Vancouver Stanley Park Ghost Train

 

 

 

 

 

 

 

Mr. Locksmith Vancouver info@mrlocksmith.com

Vancouver Locksmith Main: (604) 239-0882

Downtown Vancouver Locksmith: (604) 262-1907

Downtown Vancouver Keystore: (604) 669-8008

Mr. Locksmith Automotive: (604) 259-7617

For On-line and Hands-on Locksmith Training Dates and Cities near you by Terry Whin-Yates for Beginners, Intermediate, Advanced Locksmithing as well as my Covert Methods of Entry, Non-destructive Methods of Entry and to purchase the Famous “Dumb Key Force Tool” go to Mr. Locksmith Training

For Locksmith Franchise and Licensing Opportunities go to http://ift.tt/1Q6sOkb

The post Stanley Park Ghost Train | Mr. Locksmith Vancouver appeared first on Mr Locksmith Abbotsford.



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Friday, December 22, 2017

IMPORTANT CONSIDERATIONS BEFORE BUYING AN INFRARED SAUNA

Content originally published and Shared from http://perfectbath.com

If you’re in the market for an infrared sauna, there are several key considerations to make to ensure you select the perfect sauna for your home

Numerous health gurus, fitness experts and medical doctors all agree – saunas, specifically infrared saunas, can deliver a whole host of important health and wellness benefits for people of all ages. From chronic illness to minimizing stress, improving the effectiveness of a workout to cleansing and purifying the skin, modern saunas combine today’s leading technological innovations with centuries-old wellness principles to deliver real, tangible health benefits for the sauna enthusiast. If you’re considering buying an infrared sauna for your home, make sure you ask the following questions:

  • What type of heating system is best?


    Traditionalists will always seek a way to tout the benefits of a “hot-rock-and-steam” sauna, but the majority of new saunas produced today are outfitted with infrared heating elements – not the old-school heaters that create extraordinary amounts of steam within the sauna. Near-infrared and far-infrared only heating elements are available, but saunas that use Full Spectrum Infrared (near, mid and far infrared) are generally considered the best. This heating system promotes sweat and deep-body infrared wave penetration to eliminate toxins as efficiently as possible. One of the biggest benefits of an infrared sauna versus the traditional sauna is the lower operating temperatures afforded by the infrared heating element.

Discount Sauna benefits

  • What size sauna should I be looking for?

    This obviously depends on your intended use.  If you will mostly be using the sauna by yourself, a compact sauna model might seem like the logical choice.  Many health-minded individuals use their sauna as a contained exercise room. You can add a different dimension to your yoga routine by doing it in a sauna, or add a twist to other exercises in your repertoire. Bottom line? Select a sauna that fits your home and your lifestyle, but make sure to account for future needs when narrowing down the overall dimensions.

  • What are the real-world health benefits of an IR sauna?

    Your new infrared sauna will provide a host of tangible health and wellness benefits, with the eight most important sauna health benefits being:

 

  • Muscle pain relief
  • Immune system boost
  • Weight loss and increased metabolism
  • Detoxification
  • Joint pain and stiffness relief
  • Improved appearance of cellulite
  • Reduction in fatigue and stress
  • Improved skin tone and clarity

 

  • What kind of warranty does my sauna include?

    Though a warranty is only one part of the equation, you’ll want to investigate the company and the warranty offered with each sauna. The warranty should cover the heater, electrical system, controls and other peripherals. Better companies will even cover accessories like audio and chromotherapy systems.Also, determine if the warranty will cover the sauna if the unit is used in a commercial location. If you’re looking for a new sauna for your office or commercial building, this is an important consideration. Most warranties are designed for home use and provide coverage in normal operating modes. Spend some time online, and research any consumer’s feedback of the company, including warranty-related issues.

When researching buying an infrared sauna for your home or office, there are various models available for your consideration that will perform admirably and last for years to come. Beauty Saunas Infrared Saunas are wildly popular today and combine several unique benefits for the discerning shopper. Beauty Saunas combine Full Spectrum Infrared heaters with kiln and air-dried wood structures for superior durability and performance. Far Infrared Saunas can also be enhanced with a number of options, such as chroma-therapy lights, custom interiors, sophisticated electronics packages, and more. And it’s all covered by the  Limited Lifetime Warranty for residential use. Even commercial-level users enjoy a lifetime warranty.

 

Contributed by: Aaron Gruenke Foremost expert in Saunas and bathroom fixtures.

The post IMPORTANT CONSIDERATIONS BEFORE BUYING AN INFRARED SAUNA appeared first on Perfect Bath Canada.



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Current Mortgage Rates for Friday, December 22, 2017

As expected, the Republican tax bill stole the show this week, passing through Congress on Wednesday. That created a sell-off in the bond market which resulted in some serious upward pressure for mortgage rates.

With rates expected to continue moving higher over the coming weeks and months, we think it makes sense for borrowers to lock in a rate sooner rather than later. Read on for more details.

Where are mortgage rates going? 

Rates jump after tax bill gets passed             

It’s been a notable week for mortgage rates, with a big spike due to the passage of the Republican tax bill on Wednesday.

[tmslink name = “rates”]

That bill, which includes a significant reduction to the corporate tax rate, caused a sell-off in bonds and a rally in stocks, pushing the yield on the 10-year Treasury note (which is the best market indicator of where mortgage rates are going) up to nearly 2.49%.

That’s just about twelve basis points higher than where it started the week. And if we take a look back at this year, we can see that the 10-year yield hasn’t been at this level since March, which is when mortgage rates hit their highest point of the year in the Freddie Mac Primary Mortgage Market Survey.

So with a big jump in the 10-year yield, mortgage rates are dealing with some upward pressure as we head into the holiday weekend.

This news really isn’t much of a shock for anyone who has been watching the market, as a rise in Treasury yields and mortgage rates had been widely anticipated to happen. Looking ahead to the coming weeks and months, we’re expecting more of the same.

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Rate/Float Recommendation                                      

Lock now

Mortgage rates ticked higher this week, a trend that is expected to continue for some time. Given that expectation, we think it’s prudent for anyone looking to buy a home or refinance their mortgage to lock in a rate sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                              

Durable Goods Orders  

The durable goods orders data for November is in. New orders ticked up 1.3%, month over month, putting them at 8.2%, year over year. Ex-transportation fell 0.1%, month over month, putting them at 7.0%, year over year. Core capital goods also fell 0.1%, month over month, and are now at 8.1%, year over year.

Personal Income and Outlays   

Personal income rose 0.3%, month over month in November. Consumer spending ticked up 0.6%, month over month. The PCE Price Index rose 0.2%, month over month, putting it at 1.8% year over year. Core PCE ticked up 0.1%, bringing it to 1.5%, year over year.

New Home Sales  

New home sales for November came in at an annualized rate of 733,000. That’s a monthly jump of 17.5%, which is the largest in 25 years.

Consumer Sentiment  

Consumer sentiment softened to 95.9 in December, from 96.8 in November.

Get the GreenLight and close in 21 days*     

Notable events this week:          

Monday:                       

  • Housing Market Index

Tuesday:    

  • Housing Starts
  • Fedspeak

Wednesday:      

  • Existing Home Sales
  • EIA Petroleum Status Report

Thursday:         

  • GDP
  • Jobless Claims
  • Philly Fed Business Outlook

Friday:      

  • Durable Goods Orders
  • Personal Income and Outlays
  • New Home Sales
  • Consumer Sentiment

[contentbox id=”3″]

*Terms and conditions apply.



from Total Mortgage Blog http://ift.tt/2kGUqDY

Thursday, December 21, 2017

Current Mortgage Rates for Thursday, December 21, 2017

Mortgage rates have increased this week due to the passage of the Republican tax bill. On their current path, it seems they are headed for their largest weekly rise in several weeks. They are climbing off of very accommodating levels, but we still think that the smart decision is to take action now to try and get the best deal. Read on for more details.

Where are mortgage rates going?

Rates jump after tax bill gets passed             

The big news this week has been the passage of the Republican tax bill through Congress. That took place yesterday and ushered in a rally in stocks and a sell-off of bonds.

[tmslink name = “rates”]

The yield on the 10-year Treasury note (the best market indicator of where mortgage rates are headed) is at 2.49% right now after a twelve basis point spike since the beginning of the week. This puts the 10-year yield at its highest position since March.

Mortgage rates typically move in the same direction as the 10-year yield so rates have seen some notable upward pressure this week. This is something that we had anticipated would happen, which is why we’ve been recommending that borrowers take action sooner rather than later.

[contentbox id=”6″]

Rate/Float Recommendation                                      

Lock now

Mortgage rates are moving higher and are expected to continue doing so over the coming weeks and months. For this reason, we think that it’s prudent for most borrowers to lock in a rate now in order to try and get the best deal on a purchase or refinance.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                              

GDP 

The third estimate for third-quarter GDP came in today at 3.2%, which is just a hair under the mark analysts had projected.

Jobless Claims 

Applications filed for U.S. unemployment benefits came in at 245,000 for the week of 12/16/17. That’s higher than the consensus for 234,000, but it’s nothing that raises much concern.

Philly Fed Business Outlook

The Philly Fed’s General Business Conditions Index came in at a very strong 26.2, which is outside of even the high estimate projected by analysts.

Get the GreenLight and close in 21 days*     

Notable events this week:         

Monday:                     

  • Housing Market Index

Tuesday:   

  • Housing Starts
  • Fedspeak

Wednesday:    

  • Existing Home Sales
  • EIA Petroleum Status Report

Thursday:        

  • GDP
  • Jobless Claims
  • Philly Fed Business Outlook

Friday:     

  • Durable Goods Orders
  • Personal Income and Outlays
  • New Home Sales
  • Consumer Sentiment

[contentbox id=”3″]

*Terms and conditions apply.



from Total Mortgage Blog http://ift.tt/2zcLdI4

Wednesday, December 20, 2017

Current Mortgage Rates for Wednesday, December 20, 2017

Mortgage rates are dealing with some serious upward pressure this week due to the imminent passage of the Republican tax bill through Congress. With rates poised to continue moving higher over the coming weeks and months, we’re recommending that borrowers take action soon to try and get the best deal. Read on for more details.

Market Outlook 12.18.17 from Total Mortgage on Vimeo.

Where are mortgage rates going?            

Rates continue to rise on tax bill optimism

We’ve seen a significant shift in the markets so far this week as investors move out of the perceived safety of government bonds and into riskier assets such as stocks.

[tmslink name = “rates”]

This is in response to the increasing likelihood that the Republican tax bill will get passed by both the Senate and the House this week.

Early this morning the Senate approved the bill, and yesterday the House did as well, but the House bill will have to re-vote after technical changes needed to be made in order to stay compliant with the Byrd Rule.

Anticipating that the bill will get its final approval sometime today, President Trump has already organized a celebratory gathering at the White House.

So what does all of this mean for mortgage rates? Well, if we take a look at the yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going), we can see that it’s at 2.48% right now.

That’s two basis points higher from the start of the day and a little over ten basis points from the start of the week. In fact, the 10-year yield has now climbed up to its highest position since March.

Mortgage rates typically move in the same direction as the 10-year yield, so rates are dealing with some upward pressure this week.

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Rate/Float Recommendation                                      

Lock now

Mortgage rates are on the rise and they are positioned to move even higher. If you are considering buying a home or refinancing your current mortgage, we strongly recommend that you take action sooner rather than later in order to try and get the best rate.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                              

Existing Home Sales  

Existing Home Sales for November came in at 5.810 M. That’s a monthly change of 5.6%, putting the early change at 3.8%.

EIA Petroleum Status Report  

For the week of 12/15:

  • Crude oil: -5.1 M barrels
  • Gasoline: 5.7 M barrels
  • Distillates: -1.4 M barrels

Get the GreenLight and close in 21 days*     

Notable events this week:         

Monday:                     

  • Housing Market Index

Tuesday:   

  • Housing Starts
  • Fedspeak

Wednesday:    

  • Existing Home Sales
  • EIA Petroleum Status Report

Thursday:        

  • GDP
  • Jobless Claims
  • Philly Fed Business Outlook

Friday:     

  • Durable Goods Orders
  • Personal Income and Outlays
  • New Home Sales
  • Consumer Sentiment

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*Terms and conditions apply.



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3 Ways to Keep Your Bathroom Clean Longer

Content originally published and Shared from http://perfectbath.com

The household chore that we all probably hate most is cleaning the bathroom. It’s just so difficult to scrub stains once they’ve already built up. Don’t let your hard work go to waste by making your bathroom’s cleanliness last longer. Follow these amazing tips:

Image Source: Flickr

Take a little time to clean up your shower every day
Nothing helps delay mildew stains like a dry shower. Hang a squeegee over the shower head and make it a rule that the last one to take a shower wipes down the walls, tub, and shower doors. A couple extra minutes of work can really minimize cleaning time in the long-run.

You can also quickly zap moisture by opening a window and turning on the exhaust fan while showering. Leaving the door open, even a crack, helps it dissipate. And don’t forget to stretch the shower curtain open when it dries, too. Source: GoodHousekeeping

Tilt your head down when brushing your teeth
Well, I’ve always done it this way, but I see a lot of people who brush their teeth facing the mirror. You know what that does, though? It sends lots of little toothpaste bubbles on the mirror and everywhere on the countertop.

I’ve noticed that if I bow my head and keep it close to the sink, most of these bubbles end up in the sink and rinsed away. Silly? Maybe. But I find it saves me a lot of mirror-cleaning.  Source: TheSpruce

Put soap in the flush tank
You can either add a piece of soap to your flush tank or drop one of the ready-made toilet cleaner bulbs into the tank. In this way, your toilet bowl is getting cleaned every time you flush. Soapy water is slippery, so it doesn’t allow the stains to stick. Source: BoldSky

Replace your old bathroom fixtures with new, high quality ones. Call us today!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Ways to Keep Your Bathroom Clean Longer appeared first on Perfect Bath Canada.



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Tuesday, December 19, 2017

Current Mortgage Rates for Tuesday, December 19, 2017

The Republican tax bill is moving closer and closer to becoming a reality.

Financial market participants are anticipating it’s approval and moving more into stocks this week, pushing mortgage rates higher.

This is why we believe it’s smart for anyone looking to refinance or purchase to take action sooner rather than later. Read on for more details.

Market Outlook 12.18.17 from Total Mortgage on Vimeo.

Where are mortgage rates going?            

Rates rise as tax bill vote looms closer    

Mortgage rates rose yesterday after financial market participants became very optimistic that the Republican tax bill will get passed sometime this week.

[tmslink name = “rates”]

That optimism is continuing to put upward pressure on rates as a House vote is expected later today, and a Senate vote sometime tomorrow.

The fact that one of the key pieces of the legislation is a large reduction to the corporate tax rate has given many investors more confidence to move out of the “safe” play of government bonds and into the “riskier” position of holding assets like stocks.

Since mortgage backed securities (MBS) compete for similar investors as government bonds, specifically the 10-year Treasury note, when bond yields adjust, so do MBS yields and therefore, mortgage rates.

If we take a look at the yield on the 10-year Treasury note today, we can see that it’s currently at 2.429%. That’s up a little less than four basis points from where it started the day. It’s also its highest position since about a month ago.

With Treasury yields rising, mortgage rates are trending higher–something that we’ve been anticipating would happen for a while.

On top of all the tax bill excitement, Housing Starts for November came in above expectations, giving investors one more reason to move more into stocks and out of bonds.

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Rate/Float Recommendation                                      

Lock now

Mortgage rates are moving higher. Given that we expect this trend to continue over the coming weeks and months, we are strongly recommending that borrowers lock in a rate sooner rather than later in order to try and get the best rate.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                              

Housing Starts  

Housing starts for November came in at an annualized rate of 1.297 million. Housing permits for November came in at an annualized rate of 1.298 million.

Fedspeak    

  • Minneapolis Fed President Neel Kashkari at 1:10pm

Get the GreenLight and close in 21 days*    

Notable events this week:        

Monday:                     

  • Housing Market Index

Tuesday:   

  • Housing Starts
  • Fedspeak

Wednesday:    

  • Existing Home Sales
  • EIA Petroleum Status Report

Thursday:        

  • GDP
  • Jobless Claims
  • Philly Fed Business Outlook

Friday:     

  • Durable Goods Orders
  • Personal Income and Outlays
  • New Home Sales
  • Consumer Sentiment

[contentbox id=”3″]

*Terms and conditions apply.



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Monday, December 18, 2017

Bordeaux Luxury Living – Prices, Plans, Availability

Artist rendering of Bourdeaux luxury condominiiums at Willingdon & Juneau in Burnaby, BC.

At a Glance

  • located near Brentwood Town Centre
  • 141 concrete luxury apartment residences
  • 62 adaptable condos
  • 7 x 3-bedroom townhouses
  • 6,509.5 sq ft of amenities
  • walking distance to shopping, services, restaurants
  • near Skytrain & Highway 1
  • goal of LEED Silver

In the Heart of Vibrant Brentwood
Just on the heels of the award-winning Milano development a few blocks away, Solterra is poised to develop another outstanding community in one of the hottest real estate markets in the Lower Mainland. The emerging community of Brentwood in Burnaby continues to exponentially grow with shopping, dining, and recreational amenities on the horizon – including the current expansion of Brentwood Town Centre. With a strong long-term community plan in place, this neighborhood is one of the most sought after for both investors and homeowners alike.

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Find Out About New Presales & Get Access to VIP Openings & Special Promotions!

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Bordeaux is minutes from Lougheed Highway which makes it ideal for easy commuting via public transit or private car. An existing abundance of essential establishments such as Whole Foods, Browns Socialhouse, liquor stores, and financial services are all just steps away. Bordeaux will feature stellar interior design and finishing details, and superior construction quality that Solterra is known for. Included are luxurious imported Italian kitchens, premium appliances, air conditioning, oversized outdoor spaces, and an array of building amenities.

Pricing for Bordeaux
This development is currently in its pre-construction phase. Therefore, Solterra have not yet published final pricing information. We recommend that you sign up to our VIP list above for priority access to Bordeaux updates.

Floor Plans for Bordeaux
Bordeaux offers an exciting ownership opportunity for first-time buyers and families alike, with the following mix of residences:

  • 42 x studio (adaptable) from 464 – 525 sq ft
  • 14 x 1-bedroom at 545 sq ft
  • 54 x 2-bedroom from 760 – 2,258 sq ft
  • 6 x 2-bedroom (adaptable) from 854 – 1,003 sq ft
  • 2 x 2-bedroom + den from 978 – 1,520 sq ft
  • 14 x 2-bedroom + den (adaptable) from 940 – 1,017 sq ft
  • 2 x 3-bedroom from 973 – 1,095 sq ft
  • 6 x 3-bedroom + den townhouse at 1,743 sq ft
  • 1 x 2-bedroom + den townhouse at 1,333 sq ft

Contact me today to discuss availability and plans according to your needs.

Amenities at Bordeaux
Residents will enjoy 6,509.5 sq ft of amenity space, including a gym, business centre, yoga studio, washrooms and meeting room / game room / party room with kitchenette. An expansive landscaped courtyard contains a children’s play area, barbeque area, and seating. A public art piece will be installed in a plaza at the comer of Willingdon Avenue and Juneau Street.

Parking and Storage
Parking will be located partially underground (3 levels) and partially within an above ground structure (1 level), with 216 apartment parking spaces (inclusive of 27 visitor spaces) and 13 townhouse parking spaces (inclusive of 2 visitor spaces). Of these, there will be three accessible parking stalls, 22 electric vehicle charging stations, and two car wash stalls. Bicycle storage will be provided by 296 resident bicycle spaces and 30 visitor bicycle spaces. A two-station bicycle repair/maintenance area and bike trailer storage area will also be available. One residential loading space is to be allocated.

Maintenance Fees at Bordeaux
TBA.

Developer Team for Bordeaux
Solterra Group of Companies specializes in developing and building top-quality high-rise residences and town homes. Over the past 15 years, the team at Solterra has been involved with the development of many award-winning multi-residential communities throughout the Lower Mainland. Solterra understands the importance of a “home” and pride themselves on creating residences that feature exceptional design, solid construction, and quality finishes. For your added peace of mind, Solterra homes are backed by third-party 2/5/10 warranty insurance.

GBL Architects is a progressive Vancouver-based firm of 38 architects, project managers and technicians with a 25-year reputation of providing a full range of architectural services to the private and public sector. GBL design with the belief that form plays a vital role in defining experience through an ever-changing dynamic between sculptural artistry and social responsibility. To that end, they regularly practice green design through the LEED Canada Program.

Expected Completion for Bordeaux
TBA. Sales begin Spring 2018.

Are you interested in learning more about other homes in Brentwood, Lougheed, or Metrotown?

Check out these great Brentwood Presales!

The post Bordeaux Luxury Living – Prices, Plans, Availability appeared first on Mike Stewart.



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Current Mortgage Rates for Monday, December 18, 2017

Mortgage rates are moving slightly higher today based on investor optimism that the Republican tax bill will pass through Congress sometime this week. This is why we’re continuing to recommend that borrowers lock in a rate sooner rather than later to try and secure the best rate. Read on for more details.

Where are mortgage rates going?           

Tax bill back in focus – upward pressure on rates

The Republican led tax reform effort is back in focus today.

Changes to tax cut legislation on Friday cleared the way for action to be taken this week, with the expectation that Congress will approve the bill sometime this week.

[tmslink name = “rates”]

This wave of tax cut optimism has resulted in a slight shift among financial market participants out of “safer” assets such as government bonds and into riskier assets like stocks.

Looking at the yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going) we can see that it’s up a little over one basis point from where it started the day.

Mortgage backed securities compete for similar investors as the 10-year treasury note so their yields tend to adjust in a similar pattern.

Right now, the situation is one with potential, but there’s not enough activity to cause anything more than some very mild upward pressure on mortgage rates.

It’s important to keep an eye on things as the week progresses, however, because it’s highly likely that mortgage rates rise if and when then tax bill passes a vote.

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Rate/Float Recommendation                                     

Lock now

Mortgage rates are not only poised to rise this week (thanks to the tax bill), but far into 2018 as the Fed continues to gradually raise the nation’s benchmark interest rate.

For this reason, we think that it’s prudent for anyone looking to refinance their current mortgage or purchase a home to lock in a rate sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                             

Housing Market Index       

The housing market index came in at a 74 for December. That’s a little higher than both the previous reading and the consensus that analysts had projected.

Get the GreenLight and close in 21 days*    

Notable events this week:        

Monday:                     

  • Housing Market Index

Tuesday:   

  • Housing Starts
  • Fedspeak

Wednesday:    

  • Existing Home Sales
  • EIA Petroleum Status Report

Thursday:        

  • GDP
  • Jobless Claims
  • Philly Fed Business Outlook

Friday:     

  • Durable Goods Orders
  • Personal Income and Outlays
  • New Home Sales
  • Consumer Sentiment

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*Terms and conditions apply.



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Friday, December 15, 2017

Current Mortgage Rates for Friday, December 15, 2017

It’s been an up and down week for mortgage rates which are on track to finish the week slightly lower from where they started. Rates are poised to increase over the coming weeks and months so we’re recommending borrowers take action sooner rather than later. Read on for more details.

Where are mortgage rates going?           

Rates finish the week lower

Well, we made it through another week. It was a busy one for the markets with several significant economic reports out and a Federal Open Market Committee (FOMC) meeting to boot.

[tmslink name = “rates”]

The FOMC meeting was certainly the highlight of the week (despite everyone knowing what was going to happen beforehand), with the Fed announcing that they would be raising the nation’s benchmark interest rate (the federal funds rate) by a quarter point to 1.25%-1.50%.

Given that market participants had anticipated this decision and had therefore already priced in the change there weren’t any big swings when the formal announcement was made on Wednesday afternoon.

We did see a slight rise in the 10-year Treasury note (the best market indicator of where mortgage rates are going) but it was only a couple basis points. In fact, the bigger swing came earlier on Wednesday when a key inflation reading showed that inflation was still running below the Fed’s target.

When it was all said and done on Wednesday, the drop earlier in the day was the bigger factor, keeping rates lower than where they had started the morning at, which is somewhat unusual for a day where the Fed announces a rate increase.

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Rate/Float Recommendation                                     

Lock now

With the Fed raising interest rates and positioning itself to continue gradual increases, mortgage rates are poised for gradual increases as well. That’s why we think that the prudent decision for anyone looking to purchase or refinance is to lock in a rate sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                            

Empire State Mfg Survey 

The empire state general business conditions index came in at 18.0 for December. That’s a mild slowdown from the previous reading and is exactly what analysts had projected.

Industrial Production     

Industrial production for November rose 0.2% from the previous month. Manufacturing also ticked up 0.2%, month over month.

Get the GreenLight and close in 21 days*    

Notable events this week:        

Monday:                     

  • JOLTS
  • 10-Yr Note Auction

Tuesday:   

  • FOMC Meeting Starts
  • PPI-FD

Wednesday:    

  • Consumer Price Index
  • EIA Petroleum Status Report
  • FOMC Meeting Ends

Thursday:        

  • Jobless Claims
  • Retail Sales
  • Import and Export Prices
  • Business Inventories

Friday:     

  • Empire State Mfg Survey
  • Industrial Production

[contentbox id=”3″]

*Terms and conditions apply.



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Thursday, December 14, 2017

Current Mortgage Rates for Thursday, December 14, 2017

Mortgage rates rose after the Federal Open Market Committee announced that they were raising the federal funds rate by a quarter point yesterday afternoon. That trend is continuing today after some positive economic data. Read on for more details.

Where are mortgage rates going?           

Federal Reserve raises rates as expected

Well, it happened. Yesterday afternoon the Federal Reserve’s Federal Open Market Committee concluded their two-day meeting with a written statement that declared they were raising the nation’s benchmark interest rate–the federal funds rate–by a quarter point to 1.25%-1.5%.

[tmslink name = “rates”]

That was the third increase of 2017 and the fourth in twelve months. The decision was widely anticipated by financial market participants, so there wasn’t much fuss in in the markets.

Predictably, we saw investors move more into stocks and out of bonds. That reaction offset what was a significant drop in the 10-year Treasury yield (the best market indicator of where mortgage rates are going), due to a disappointing Consumer Prices Index reading in the morning.

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Rate/Float Recommendation                                     

Lock now

Given that mortgage rates are on the rise and are expected to continue trending higher for the near future, we think that it’s prudent for anyone looking to purchase a home or refinance their current mortgage to lock sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save.   

Today’s economic data:                                           

Jobless Claims 

Application filed for U.S. unemployment benefits came in at 225,000 for the week of 12/9/17.

Retail Sales 

Retail sales for November rose 0.8% from the previous month. Retail sales less autos ticked up 1.0%. Less autos and gas rose 0.8%. It’s a strong report that bodes well for the holiday shopping season.

Import and Export Prices 

Import prices increased 0.7% from the previous month in November, putting them at 3.1% on the year. Export prices rose 0.5% month over month and 3.1% year over year.

Business Inventories 

Business inventories for October fell 0.1%. That’s exactly what analysts had predicted.

PMI Composite Flash 

The composite flash came in at 53.0 for December. Manufacturing hit 55.0 and services came in at 52.4.

Get the GreenLight and close in 21 days*    

Notable events this week:        

Monday:                     

  • JOLTS
  • 10-Yr Note Auction

Tuesday:   

  • FOMC Meeting Starts
  • PPI-FD

Wednesday:    

  • Consumer Price Index
  • EIA Petroleum Status Report
  • FOMC Meeting Ends

Thursday:        

  • Jobless Claims
  • Retail Sales
  • Import and Export Prices
  • Business Inventories

Friday:     

  • Empire State Mfg Survey
  • Industrial Production

[contentbox id=”3″]

*Terms and conditions apply.



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Men Say …

Wednesday, December 13, 2017

3 Holiday Bathroom Decoration Ideas

Content originally published and Shared from http://perfectbath.com

What better way to feel the spirit of Christmas throughout your home than by decorating every space? Don’t stop once you finish decking the halls. Here are some easy and cheap ways to bring the festivity even inside the bathroom:

Image Source: Flickr

Towels
Sometimes simply switching a few white towels for red ones and adding touches of greenery to the bathroom will give it a festive look. Source: TheSpruce

Wreath
Decorating a bath or powder room with a wreath is much more practical than taking up the counter space with floral arrangements. Try using a balsam or cedar wreath, which give off lovely wintery scents and remember to coordinate your wreath accents with the decor of your bathroom.  Source: StyleAtHome

Shower curtain
The shower curtain is often the first thing noticed in the bathroom because its size. And choosing a certain bathroom shower curtains, finding the right one to lend a holiday touch to any bathroom setting may become a challenge. The holiday fun shower curtains come in a variety of colors, sizes and styles with different designs they .add some festive feeling to the space. Putting in mind the right choice as the choices is numerous. A festive shower curtain features a radiant red and green or Christmas theme feathers like one with Santa on it or snowmen, to complete your winter holiday bathroom décor. Choose your Christmas themed shower curtain that is coordinated with other bathroom accessories. Christmas Shower Curtains can transform your bathroom into a Christmas wonderland. These Shower Curtains can bring a big smile on a face and to everyone in the morning, before bedtime and all day long. Source: FamilyHoliday

Thinking of what gift to give yourself this Christmas? How about replacing your old bathroom fixtures? Or for a more luxurious gift, why not get a steam shower or sauna?  Check out your options by calling us today!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Holiday Bathroom Decoration Ideas appeared first on Perfect Bath Canada.



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Commission Calculator for BC Realtor Fees in Vancouver with Net Proceeds for Sellers

Vancouver Commission Calculator Real Estate

Thinking of Selling a Property in Vancouver? Get Advice for Proven Results Here!

How much are real estate fees in Vancouver, BC?

I charge a real estate commission of 7% on the 1st $100,000 and 2.5% on the balance of the sale price for properties in Vancouver.

Thinking of Selling?

Use this form to find out how to sell your home sooner and for more money.

Are you a realtor? Click here

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Around half (50%) of the 7% on the 1st $100,000 and 2.5% on the balance is payable to a buyers agent who brings the seller an offer that completes at the Land Titles Office.

According to Canada’s Competition Act, there we Realtors are not supposed to say there is a standard real estate commission.

Real Estate commissions and the net proceeds (ie the amount a Seller receives from a real estate sale after costs) are often confusing for prospective property Sellers in Vancouver.

Most Sellers aren’t sure about how much commission they will have to pay (Check out my great video on what I charge for Real Estate Commissions) and how much tax (GST/HST) will be payable on the real estate commission fee once the property sells.

This calculator clears up this confusion!

Realtor Commissions with GST Calculated!

All you need to do is input the potential sale price of the property in question (Not sure how much the sale price is? Check out this great video on Comparative Market Analysis or call me at 604-763-3136!) in the form above.

Then click “Calculate” and you will get the sale proceeds from the property after all the real estate commissions and HST/GST on the commission are deducted. Basically, this commission calculator lets you know how much you will end up with in your pocket when you sell your property in Vancouver after all is said and done.

Remember Folks! There is no standard or average real estate commission fee in Vancouver and across Canada and your Realtor fees are negotiable always!

Remember! Around 50% of the Commission calculated above goes to the Buyers Agent who brings an offer that gets accepted and Completes at the Land Titles Office!

Buyers Looking to Calculate Commissions on a Purchase?

The good news is that in 99% of the time Buyers of Property in Vancouver DO NOT directly pay commission to their Buyers Agent. To learn more check out this informative video on how Buyers Agents get paid in Vancouver!

Looking for advice on selling a home in Vancouver? Check out these great videos on How to Sell a Home in Vancouver!

Wondering How Much Tax There Might be on The Sale Proceeds of Your Property in Canada?

Check out this great video on the definition of a Primary Residence in Canada!

The post Commission Calculator for BC Realtor Fees in Vancouver with Net Proceeds for Sellers appeared first on Mike Stewart.



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