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Mortgage Tips for Homeowners of All Ages

If you’ve applied for a mortgage or renewed your mortgage you already know these processes can be stressful, time consuming, daunting and fraught with lots of questions.  No doubt questions like:  “Did I think of everything?”, “Am I getting the best rate?” and “Is my term right for me?” have crossed my mind over the years; they still do. For today’s post during Financial Literacy Month #FLM2014 I thought I’d collate some mortgage tips for homeowners of all ages.  This post is actually somewhat of a self-help article since I’ll ...

DIY intelliMortgage service will save you Time and Money

Do-It-Yourself (DIY) investing has been a passion of mine for some time now.  It’s one of the reasons I started this site, to share what I know, what I’ve learned, to help others while having some fun in the process.   While interesting and exciting, DIY investing can be daunting – there is a huge body of knowledge out there to wrap your head around.  The basics are easy for everyone to understand yet often difficult to execute consistently.   This is where professional help usually comes in, and for many reasons more. Canadians ...

How I can save you close to $100,000

For today’s post, I thought it would be interesting to crunch some numbers… Your Mortgage Owing $250,000, at 3% interest over a 5-year term, amortized over 25 years, making bi-weekly payments and you’ll pay over $90,000 in interest costs over the amortization period. The lesson:  even a cheap mortgage rate will cost you BIG bucks over time.   Get a good mortgage rate and make lump sum payments on your mortgage when you can to significantly reduce your borrowing costs. Your Credit Cards Owing $10,000 on a credit card, paying 18% ...

My recipe for a healthy lush lawn

Last year, my front lawn and parts of my back lawn were decimated by grubs.  It was a hot and very dry summer in Ottawa last year and the lack of rain over a period of many weeks coupled with some extreme heat beat my lawn into submission.  That hot, dry weather also encouraged significant grub growth.  Actually, the grubs didn’t do all the damage last year.  The damage went over the top thanks to some huge crows and a few night critters like racoons that dug up my lawn recklessly to find and eat the grubs as appetizers.  The damage started ...

Options for Real Estate Investment in Canada

The following is a guest post by – Home of Canada’s Best Rates.   The global financial crisis has caused a significant decline in almost all industries. However, if you’re in Canada and your interest lies in real estate, then you’re in luck. The diversity of Canada’s regional economies has reasonably protected its real estate market from the financial crisis. As long as you know where to invest, you’ll realize that real estate investment is still very lucrative in Canada.  Of course, you need to realize as well ...

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