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Senin, 27 Mei 2013
Senin, 06 Mei 2013
Change Begins with Choice
Came across this today and found it had great insight on where your life is currently and where you would like to take it. Jared
Change Begins with Choice
by Jim Rohn
Any day we wish, we can discipline ourselves to change it all. Any day we wish, we can open the book that will open our mind to new knowledge. Any day we wish, we can start a new activity. Any day we wish, we can start the process of life change. We can do it immediately, or next week, or next month, or next year.
We can also do nothing. We can pretend rather than perform. And if the idea of having to change ourselves makes us uncomfortable, we can remain as we are. We can choose rest over labor, entertainment over education, delusion over truth, and doubt over confidence. The choices are ours to make. But while we curse the effect, we continue to nourish the cause. As Shakespeare uniquely observed, “The fault is not in the stars, but in ourselves.” We created our circumstances by our past choices. We have both the ability and the responsibility to make better choices beginning today. Those who are in search of the good life do not need more answers or more time to think things over to reach better conclusions. They need the truth. They need the whole truth. And they need nothing but the truth.
We cannot allow our errors in judgment, repeated every day, to lead us down the wrong path. We must keep coming back to those basics that make the biggest difference in how our life works out. And then we must make the very choices that will bring life, happiness and joy into our daily lives.
And if I may be so bold to offer my last piece of advice for someone seeking and needing to make changes in their life: If you don’t like how things are, change it! You’re not a tree. You have the ability to totally transform every area in your life. And it all begins with your very own power of choice.
Change Begins with Choice
by Jim Rohn
Any day we wish, we can discipline ourselves to change it all. Any day we wish, we can open the book that will open our mind to new knowledge. Any day we wish, we can start a new activity. Any day we wish, we can start the process of life change. We can do it immediately, or next week, or next month, or next year.
We can also do nothing. We can pretend rather than perform. And if the idea of having to change ourselves makes us uncomfortable, we can remain as we are. We can choose rest over labor, entertainment over education, delusion over truth, and doubt over confidence. The choices are ours to make. But while we curse the effect, we continue to nourish the cause. As Shakespeare uniquely observed, “The fault is not in the stars, but in ourselves.” We created our circumstances by our past choices. We have both the ability and the responsibility to make better choices beginning today. Those who are in search of the good life do not need more answers or more time to think things over to reach better conclusions. They need the truth. They need the whole truth. And they need nothing but the truth.
We cannot allow our errors in judgment, repeated every day, to lead us down the wrong path. We must keep coming back to those basics that make the biggest difference in how our life works out. And then we must make the very choices that will bring life, happiness and joy into our daily lives.
And if I may be so bold to offer my last piece of advice for someone seeking and needing to make changes in their life: If you don’t like how things are, change it! You’re not a tree. You have the ability to totally transform every area in your life. And it all begins with your very own power of choice.
Jumat, 03 Mei 2013
Buried in Paper?/ Canada Stats
Buried in Paper?
From Dreyer Group Mortgages
Dreyer Group Mortgages is thrilled to sponsor a paper-shredding marathon in support of building a new school playground for Ocean Cliff Elementary.
Here’s your chance to get rid of all those confidential files and papers kicking around with onsite secure shredding.
All shredding services are by donation, so start sorting those boxes of paperwork now and get ready to feel lighter!
Saturday, June 1 from 10am-3pm.
Safeway parking lot 12825 16th Ave (Ocean Park South Surrey)
Supporting Ocean Cliff Elementary Playground Project
In partnership with 1-800-Shredding
Average MLS® Resale Price for Local Markets
City March 2012 March 2013
Halifax $ 272,599 $ 282,048
Saint John $ 168,371 $ 164,182
Quebec $ 259,316 $ 266,897
Montreal $ 317,924 $ 326,259
Ottawa $ 353,714 $ 359,321
Toronto $ 504,117 $ 519,879
Hamilton/Burlington $ 353,165 $ 388,147
Winnipeg $ 247,459 $ 271,198
Saskatoon $ 315,935 $ 331,244
Regina $ 287,772 $ 314,353
Calgary $ 409,750 $ 441,424
Edmonton $ 335,579 $ 350,723
Vancouver $ 761,742 $ 759,340
Victoria $ 513,937 $ 474,937
Source: Canadian Real Estate Association
Finance Minister Announces Stephen Poloz as New Governor of the Bank of Canada - May 2013
In somewhat of a surprise move, Finance Minister Jim Flaherty passed over presumptive favourite Senior Deputy Governor Tiff Macklem in naming Stephen Poloz as the new governor of the Bank of Canada.
Mr. Poloz spent 14 years with the Bank of Canada in numerous roles including Chief of the Bank's Research Department before moving on to Export Development Canada (EDC) where he served as the Chief Economist and, since 2011, as the EDC's CEO and President.
While Mr. Poloz has been outside of monetary policy-making for some time and his views are relatively unknown, we do not expect the Bank's approach to change in a material way in the near future. The Bank will still operate under a flexible inflation targeting regime with a focus on medium-run inflation of 2 per cent and our view remains that interest rates will remain on hold over the next year while the Bank's forward guidance on rates will remain neutral. BCREA Chief Economist, Cameron Muir
Mortgage financing questions? We’re here to help.
Jared Dreyer, Team Dreyer Group Mortgage Brokers
Jared Dreyer Direct 604 649-5991
jared@dreyergroup.ca
www.dreyergroup.ca
Surrey Office 604 536-3802
Vancouver Office 604 669-6006
Canada 1-800-687-9020
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
Our passion is to create Raving Fans! Our goal is that by providing the best service, support and advice, you in turn will pass along our name to your, friends, family, colleagues and clients. I deeply appreciate and value the trust you have placed in me and my team.
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Excellence is a Habit
Aside from the usual things like working, eating, and sleeping, what activities do you spend time doing on a daily basis?
This question is to make you aware of some of your daily habits and to motivate you to consider thinking about the consequences that these daily habits will have on your life in terms of your self growth and happiness 1, 5, and 10 years from now.
How your life will turn out will largely depend on what you habitually do on a daily basis. We all know instinctively that spending an hour a day watching mindless TV will lead us down a different path in life compared to spending an hour a day reading or learning something or exercising. We also know that eating bad foods 3 times a day, every day, will give us a different result compared to eating good foods.
Think about the life you want to experience 5 or 10 years from now or even 1 year from now and figure out what habits you would have to develop for your vision to become a reality. Whether it’s being able to speak another language, play an instrument, be an expert in your industry, develop strong friendships, feel healthy and vibrant, or anything else, it’s going to take consistent work over an extended period of time.
If you look at and project the results your habits out into the future and don’t like what you see, the time to make some changes is now.
“We are what we repeatedly do. Excellence, then, is not an act, but a habit.” – Aristotle
www.motivationalbeing.com
Dreyer Group Smiles
When you do business with Dreyer Group, a portion of every mortgage funded goes towards providing safe housing for children and youth. Thank you for your support.
Senin, 22 April 2013
Power of Words
I thought i would share this great little story by Jim Rohn on the power of our words, laguage and thought. Have an awesome day! Jared
The Subtlety of Language
by Jim Rohn
I have found that sometimes the subtle difference in our attitude, which of course can make a major difference in our future, can be as simple as the language we use. The difference in even how you talk to yourself or others. Consciously making a decision to quit saying what you don't want and to start saying what you do want. I call that faith. Believing the best, hoping for the best and moving toward the best.
A few examples could be, instead of saying “What if somebody doesn't respond?” you start saying, “What if they do respond?” Instead of saying “What if someone says no?” you say “What if they say yes?” Instead of ‘What if they start and quit?” you say ‘What if they start and stay?” Or instead of “What if it doesn't work out?” you say “What if it does work out?” And the list goes on and on.
I found that when you start thinking and saying what you really want then your mind automatically shifts and pulls you in that direction. And sometimes it can be that simple, just a little twist in vocabulary that illustrates your attitude and philosophy.
Our language can also affect how others perform and behave around us. A teenager says to a parent, “I need $10.” If the parent learns to say, “That kind of language doesn't work here. We've got plenty of money, but that's not how you get $10,” then you teach your teenager how to ask, “How can I earn $10?”
That is the magic of words. There is plenty of money here. There is money for everybody, but you just have to learn the magic words to get them—for everything you could possibly want, if you just learn the philosophy. How could I earn $10? Because you can't go to the soil and say, “Give me a harvest.” You know the soil smiles and says, “Who is this clown that brings me his need and brings me no seed.” And if you said to the soil, “I've got this seed and if I planted it, would you work while I sleep?” the soil says, “No problem. Give me the seed. Go to sleep and I'll be working while you're sleeping.”
If you just understand these simple principles, teaching them to a teenager (or adult) is sometimes just a matter of language. It's like an investment account instead of a savings account. Simple language, but so important. It is easy to stumble through almost a lifetime and not learn some of these simplicities. Then you have to put up with all the lack and all the challenges that don't work out simply from not reading the book, not listening to the tape, not sitting in the class, not studying your language and not being willing to search so you can then find.
But here is the great news: You can start this process anytime. For me it was at age 25. At 25 I'm broke. Six years later I'm a millionaire. Somebody says, “What kind of revolution, what kind of change, what kind of thinking, what kind of magic had to happen? Was it you?” And I say, “No. Any person, any six years, 36 to 42, 50 to 56. Whatever six years; whatever few years you go on an intensive, accelerated personal-development curve, learning curve, application curve, and learning the disciplines.” Now, it might not take the same amount of time, but I'm telling you the same changes and the same rewards in some different fashion are available for those who pay that six–year price. And you might find that whether it's in the beginning to help get you started, or in the middle to keep you on track, that your language can have a great impact on your attitude, actions and results.
The Subtlety of Language
by Jim Rohn
I have found that sometimes the subtle difference in our attitude, which of course can make a major difference in our future, can be as simple as the language we use. The difference in even how you talk to yourself or others. Consciously making a decision to quit saying what you don't want and to start saying what you do want. I call that faith. Believing the best, hoping for the best and moving toward the best.
A few examples could be, instead of saying “What if somebody doesn't respond?” you start saying, “What if they do respond?” Instead of saying “What if someone says no?” you say “What if they say yes?” Instead of ‘What if they start and quit?” you say ‘What if they start and stay?” Or instead of “What if it doesn't work out?” you say “What if it does work out?” And the list goes on and on.
I found that when you start thinking and saying what you really want then your mind automatically shifts and pulls you in that direction. And sometimes it can be that simple, just a little twist in vocabulary that illustrates your attitude and philosophy.
Our language can also affect how others perform and behave around us. A teenager says to a parent, “I need $10.” If the parent learns to say, “That kind of language doesn't work here. We've got plenty of money, but that's not how you get $10,” then you teach your teenager how to ask, “How can I earn $10?”
That is the magic of words. There is plenty of money here. There is money for everybody, but you just have to learn the magic words to get them—for everything you could possibly want, if you just learn the philosophy. How could I earn $10? Because you can't go to the soil and say, “Give me a harvest.” You know the soil smiles and says, “Who is this clown that brings me his need and brings me no seed.” And if you said to the soil, “I've got this seed and if I planted it, would you work while I sleep?” the soil says, “No problem. Give me the seed. Go to sleep and I'll be working while you're sleeping.”
If you just understand these simple principles, teaching them to a teenager (or adult) is sometimes just a matter of language. It's like an investment account instead of a savings account. Simple language, but so important. It is easy to stumble through almost a lifetime and not learn some of these simplicities. Then you have to put up with all the lack and all the challenges that don't work out simply from not reading the book, not listening to the tape, not sitting in the class, not studying your language and not being willing to search so you can then find.
But here is the great news: You can start this process anytime. For me it was at age 25. At 25 I'm broke. Six years later I'm a millionaire. Somebody says, “What kind of revolution, what kind of change, what kind of thinking, what kind of magic had to happen? Was it you?” And I say, “No. Any person, any six years, 36 to 42, 50 to 56. Whatever six years; whatever few years you go on an intensive, accelerated personal-development curve, learning curve, application curve, and learning the disciplines.” Now, it might not take the same amount of time, but I'm telling you the same changes and the same rewards in some different fashion are available for those who pay that six–year price. And you might find that whether it's in the beginning to help get you started, or in the middle to keep you on track, that your language can have a great impact on your attitude, actions and results.
Jumat, 22 Februari 2013
Five Star Mortgage Professional Award
VANCOUVER, BC, February 22, 2013 /24-7PressRelease/ -- Five Star Professionals research team contacted over 48,800 households in the Vancouver area to identify residents who have worked with a mortgage professional in the past 8 months. These were residents who purchased a home in Vancouver between September 2011 and May 2012. The respondents evaluated candidates against 5 key objective criteria including customer service, integrity and overall experience. Other criteria included applicable licensing and favorable regulatory history.
After collecting completed surveys (by phone, email and online), Five Star Professional evaluates each candidate for completeness, licensing and to eliminate self-nomination. Self-nominations for this award are not accepted. They are then given a score for favorable and unfavorable evaluations. From there, winners are determined.
"This came totally out of the blue," comments Jared Dreyer, President Dreyer Group Mortgages, "we're thrilled and honored by this award primarily because it comes directly from client feedback." Dreyer continues, "I understand that there are 13 other winners and congratulate each of them."
The 14 Winners of 2013 will be published in the March issues of Vancouver Magazine and Western Living.
About Five Star Professional
As an independent research firm, Five Star Professional has been conducting research that recognizes outstanding service professionals since 2003. The Five Star program is the largest and most widely published award program in the U.S. and has recently conducted their first survey and award program in Vancouver, Canada. Five Star Professional conducts rigorous market-specific research identifying professionals who deliver the highest quality service to their clients. For more information visit www.fivestarprofessional.com
About Dreyer Group Mortgages Inc. (Top 10 Mortgage Team in Canada) - Member VERICO Brokers Network (#1 Brokers Network in Canada)
As a senior mortgage broker consulting team with vast experience in the financial services industry, Dreyer Group helps clients make the right decision with their mortgage by providing a wide-range of options based on sound advice and expertise. Being an independent mortgage brokerage, Dreyer Group is not restricted to one financial institutions products and accesses over 40 lenders coast-to-coast to provide the best in financing solutions. www.dreyergroup.ca Dreyer Group Mortgages 1-800-687-9020
Press release service and press release distribution provided by http://www.24-7pressrelease.com
# # #
Read more Press Releases from Jared Dreyer:
Mortgage Rule Changes Announced to Affect Canada's Housing Market?
Jared Dreyer, Announced President Mortgage Brokers Association of British Columbia (MBABC)
Million Dollar Neighbourhood Challenge, Vancouver Mortgage Broker, Jared Dreyer Helps Aldergrove Residents Save Money on Their Mortgages
Press Release Service & Press Release Distribution News Supplied By 24-7PressRelease.com
Press Release Contact Information:
Jared Dreyer
Dreyer Group Mortgages
Mortgage Broker
988 Beach Ave.
Vancouver, BC
Canada V6Z 2N9
Voice: 1800-687-9020
Fax: 1-800-939-1960
E-Mail: Email us Here
Website: Visit Our Website
Disclaimer:
If you have any questions regarding information in this press release, please contact the person listed in the contact module of this page. Please do not attempt to contact 24-7 Press Release. We are unable to assist you with any information regarding this release. 24-7 Press Release disclaims any content contained in this press release. Please see our complete Terms of Service disclaimer for more information.
After collecting completed surveys (by phone, email and online), Five Star Professional evaluates each candidate for completeness, licensing and to eliminate self-nomination. Self-nominations for this award are not accepted. They are then given a score for favorable and unfavorable evaluations. From there, winners are determined.
"This came totally out of the blue," comments Jared Dreyer, President Dreyer Group Mortgages, "we're thrilled and honored by this award primarily because it comes directly from client feedback." Dreyer continues, "I understand that there are 13 other winners and congratulate each of them."
The 14 Winners of 2013 will be published in the March issues of Vancouver Magazine and Western Living.
About Five Star Professional
As an independent research firm, Five Star Professional has been conducting research that recognizes outstanding service professionals since 2003. The Five Star program is the largest and most widely published award program in the U.S. and has recently conducted their first survey and award program in Vancouver, Canada. Five Star Professional conducts rigorous market-specific research identifying professionals who deliver the highest quality service to their clients. For more information visit www.fivestarprofessional.com
About Dreyer Group Mortgages Inc. (Top 10 Mortgage Team in Canada) - Member VERICO Brokers Network (#1 Brokers Network in Canada)
As a senior mortgage broker consulting team with vast experience in the financial services industry, Dreyer Group helps clients make the right decision with their mortgage by providing a wide-range of options based on sound advice and expertise. Being an independent mortgage brokerage, Dreyer Group is not restricted to one financial institutions products and accesses over 40 lenders coast-to-coast to provide the best in financing solutions. www.dreyergroup.ca Dreyer Group Mortgages 1-800-687-9020
Press release service and press release distribution provided by http://www.24-7pressrelease.com
# # #
Read more Press Releases from Jared Dreyer:
Mortgage Rule Changes Announced to Affect Canada's Housing Market?
Jared Dreyer, Announced President Mortgage Brokers Association of British Columbia (MBABC)
Million Dollar Neighbourhood Challenge, Vancouver Mortgage Broker, Jared Dreyer Helps Aldergrove Residents Save Money on Their Mortgages
Press Release Service & Press Release Distribution News Supplied By 24-7PressRelease.com
Press Release Contact Information:
Jared Dreyer
Dreyer Group Mortgages
Mortgage Broker
988 Beach Ave.
Vancouver, BC
Canada V6Z 2N9
Voice: 1800-687-9020
Fax: 1-800-939-1960
E-Mail: Email us Here
Website: Visit Our Website
Disclaimer:
If you have any questions regarding information in this press release, please contact the person listed in the contact module of this page. Please do not attempt to contact 24-7 Press Release. We are unable to assist you with any information regarding this release. 24-7 Press Release disclaims any content contained in this press release. Please see our complete Terms of Service disclaimer for more information.
Jumat, 15 Februari 2013
Habits are the Stairway to a Richer Life
Habits are the Stairway to a Richer Life
by Napoleon Hill
You can see that an oak tree grows from an acorn, always, and a pine tree grows from the seed of its ancestor. And you know that Nature never makes a mistake and grows a pine tree from an acorn, nor an oak tree from the seed of a pine.
There are facts you can see. But do you recognize that they do not “just happen” by chance – something has to make them happen! That something is the power which fixes habits and makes them permanent. Man is the only creature which the Creator permits the privilege of fixing his own habits to suit his own desires.
We are ruled by habits, all of us! Our habits are fastened upon us by repetition of our thoughts and acts. Therefore we can control our earthly destinies and our way of living only to the extent that we control our thoughts. We must direct them to form the sort of habits we need to serve as our road map to guide our lives. Good habits which lead to success can be ordered and used by any individual. Bad habits can be broken and replaced by good ones at will by anyone.
Man Has Control
The habits of every living creature except man are fixed by what we call “instinct.” This places them under limitations from which they cannot escape.
The Creator not only gave men complete, unchallengeable control over the power of thought, but with this gift came the means of possessing thought power and directing it to any desired end.
The Creator has also given man another privilege whereby thoughts are made to clothe themselves in their physical likeness and equivalent.
Here, then, is a profound truth. With it you may open doors to wisdom and live an ordered life, you will be able to control those factors necessary to your success.
The rewards available to the person who takes possession of his own mind power and directs it to definite ends of his own choice are great in number. But penalties for not doing so are equally great in number.
Source: Napoleon Hill. Science of Success Series. Miami Herald. June 1, 1956
by Napoleon Hill
You can see that an oak tree grows from an acorn, always, and a pine tree grows from the seed of its ancestor. And you know that Nature never makes a mistake and grows a pine tree from an acorn, nor an oak tree from the seed of a pine.
There are facts you can see. But do you recognize that they do not “just happen” by chance – something has to make them happen! That something is the power which fixes habits and makes them permanent. Man is the only creature which the Creator permits the privilege of fixing his own habits to suit his own desires.
We are ruled by habits, all of us! Our habits are fastened upon us by repetition of our thoughts and acts. Therefore we can control our earthly destinies and our way of living only to the extent that we control our thoughts. We must direct them to form the sort of habits we need to serve as our road map to guide our lives. Good habits which lead to success can be ordered and used by any individual. Bad habits can be broken and replaced by good ones at will by anyone.
Man Has Control
The habits of every living creature except man are fixed by what we call “instinct.” This places them under limitations from which they cannot escape.
The Creator not only gave men complete, unchallengeable control over the power of thought, but with this gift came the means of possessing thought power and directing it to any desired end.
The Creator has also given man another privilege whereby thoughts are made to clothe themselves in their physical likeness and equivalent.
Here, then, is a profound truth. With it you may open doors to wisdom and live an ordered life, you will be able to control those factors necessary to your success.
The rewards available to the person who takes possession of his own mind power and directs it to definite ends of his own choice are great in number. But penalties for not doing so are equally great in number.
Source: Napoleon Hill. Science of Success Series. Miami Herald. June 1, 1956
Rabu, 13 Februari 2013
Economic Highlights
Economic Highlights
Canada
• The Canadian labour market lost 22,000 net jobs in January and the unemployment rate edged down to 7.0%. January’s poor result should be seen as more of a pay-back for the outsized job gains seen in late 2012 when economic growth slowed. Job creation should come in around 10,000-20,000 in the next few months in a modest growth environment
• At 160,600 units in January, housing starts came in at their lowest level since July 2009, down 18.5%. The sharp January decline is not that surprising following what is believed to have been an unsustainable pace of construction in 2012. Given the current cooling of the housing market in general, Canadians should not look to residential construction as a source of strength moving forward in 2013.
• While Canada’s international trade deficit narrowed in December to $0.9 billion, both exports (-0.9%) and imports (-2.8%) declined, painting a discouraging picture of Canada’s economy at the end of 2012. Although December’s slip is hardly uplifting, export growth should bounce back in 2013 matching increased demand from the U.S.
United States
• The U.S. trade deficit narrowed to $38.5 billion in December – its smallest level in three-years.
• Stronger-than-expected exports and weaker-than-expected imports will result in an upward revision to fourth quarter GDP growth when the second estimate comes out at the end of this month. We expect real GDP to have grown by 0.5% (annualized) rather than the 0.1% contraction initially reported.
• With the strong hand-off at the end of 2012, U.S. exports are likely to rebound in the first quarter of this year. Firmed by trade, but held back by higher taxes, we expect real GDP growth to improve to 2.0% (annualized) in Q1 2013.
Questions. We're Here to Help. Call Anytime
604 536-3802
604 669-6006
1-800-687-9020
Dreyer Group Mortgages
Warm Regards,
Jared Dreyer
604 649-5991
About Dreyer Group Smiles
*Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group makes a difference to kids who otherwise may not have a roof over their heads, or hope for a bright future. Dreyer Group works closely with the Salvation Army to allocate funds. Facebook promotion is to a maximum donation of $1000.00
About Dreyer Group Mortgages (Top 10 Mortgage Broker Team in Canada), Member of the VERICO Brokers Network (#1 Network in Canada)
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
Oh the Sweet Memories of Grade 8
So my son is going to a grade 8 dance this Friday. First ever! I came across this You Tube video, and a flood of awkward memories came back....
Click Here and Turn Up Your Sound
Follow my financial blog
Follow me on twitter
Like our Facebook
Business Page and
we'll donate .25 Cents
to Dreyer Smiles*!
CLICK FOR US TO DONATE
Canada
• The Canadian labour market lost 22,000 net jobs in January and the unemployment rate edged down to 7.0%. January’s poor result should be seen as more of a pay-back for the outsized job gains seen in late 2012 when economic growth slowed. Job creation should come in around 10,000-20,000 in the next few months in a modest growth environment
• At 160,600 units in January, housing starts came in at their lowest level since July 2009, down 18.5%. The sharp January decline is not that surprising following what is believed to have been an unsustainable pace of construction in 2012. Given the current cooling of the housing market in general, Canadians should not look to residential construction as a source of strength moving forward in 2013.
• While Canada’s international trade deficit narrowed in December to $0.9 billion, both exports (-0.9%) and imports (-2.8%) declined, painting a discouraging picture of Canada’s economy at the end of 2012. Although December’s slip is hardly uplifting, export growth should bounce back in 2013 matching increased demand from the U.S.
United States
• The U.S. trade deficit narrowed to $38.5 billion in December – its smallest level in three-years.
• Stronger-than-expected exports and weaker-than-expected imports will result in an upward revision to fourth quarter GDP growth when the second estimate comes out at the end of this month. We expect real GDP to have grown by 0.5% (annualized) rather than the 0.1% contraction initially reported.
• With the strong hand-off at the end of 2012, U.S. exports are likely to rebound in the first quarter of this year. Firmed by trade, but held back by higher taxes, we expect real GDP growth to improve to 2.0% (annualized) in Q1 2013.
Questions. We're Here to Help. Call Anytime
604 536-3802
604 669-6006
1-800-687-9020
Dreyer Group Mortgages
Warm Regards,
Jared Dreyer
604 649-5991
About Dreyer Group Smiles
*Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group makes a difference to kids who otherwise may not have a roof over their heads, or hope for a bright future. Dreyer Group works closely with the Salvation Army to allocate funds. Facebook promotion is to a maximum donation of $1000.00
About Dreyer Group Mortgages (Top 10 Mortgage Broker Team in Canada), Member of the VERICO Brokers Network (#1 Network in Canada)
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
Oh the Sweet Memories of Grade 8
So my son is going to a grade 8 dance this Friday. First ever! I came across this You Tube video, and a flood of awkward memories came back....
Click Here and Turn Up Your Sound
Follow my financial blog
Follow me on twitter
Like our Facebook
Business Page and
we'll donate .25 Cents
to Dreyer Smiles*!
CLICK FOR US TO DONATE
Kamis, 31 Januari 2013
First Time Home Buyer Update and Get Out a Blank Piece Of Paper
First Time Homebuyer Refund Expiring Soon !
The clock is ticking on the BC First-Time New Home Buyers’ Bonus that was introduced earlier this year by the Province of BC. It is a one-time bonus payment worth up to $10,000 for first-time new home buyers in BC, but it expires March 31st, 2013. This means that in order to take advantage of this opportunity, home buyers will need to complete a new home purchase by March 31st, 2013.
ELIGIBLE FIRST-TIME NEW HOME BUYER
You will qualify as a first-time new home buyer if:
1. • You purchase or build an eligible new home located in B.C.;
2. • You, or for couples, you and your spouse or common law partner, have never previously owned a primary residence;
3. • You file a 2011 B.C. resident personal income tax return, or if you move to B.C. after December 31, 2011, you file a 2012 B.C. resident personal income tax return (you will not be eligible for the bonus if you move to B.C. after December 31, 2012);
4. • You are eligible for the B.C. HST New Housing Rebate; and
5. • You intend to live in the home as your primary residence.
ELIGIBLE NEW HOME
An eligible new home includes new homes (i.e., newly constructed and substantially renovated homes) that are purchased from a builder and that are owner-built. The bonus will be available in respect of new homes purchased from a builder where:
1. • A written agreement of purchase and sale is entered into on or after February 21, 2012;
2. • HST is payable on the home (e.g., HST will generally be payable if ownership or possession of the home transfers before April 1, 2013 – see further details below); and
3. • No one else has claimed a bonus in respect of the home.
Detailed breakdown here http://www.bcbudget.gov.bc.ca/2012/homebuyers/2012_First_Time_Home_Buyers_Fact_Sheet.pdf
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
10 Step Method to Achieve Your Goals
A must watch! Get a piece of paper and watch your goals for 2013 come true!
You Tube Brian Tracy
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
The clock is ticking on the BC First-Time New Home Buyers’ Bonus that was introduced earlier this year by the Province of BC. It is a one-time bonus payment worth up to $10,000 for first-time new home buyers in BC, but it expires March 31st, 2013. This means that in order to take advantage of this opportunity, home buyers will need to complete a new home purchase by March 31st, 2013.
ELIGIBLE FIRST-TIME NEW HOME BUYER
You will qualify as a first-time new home buyer if:
1. • You purchase or build an eligible new home located in B.C.;
2. • You, or for couples, you and your spouse or common law partner, have never previously owned a primary residence;
3. • You file a 2011 B.C. resident personal income tax return, or if you move to B.C. after December 31, 2011, you file a 2012 B.C. resident personal income tax return (you will not be eligible for the bonus if you move to B.C. after December 31, 2012);
4. • You are eligible for the B.C. HST New Housing Rebate; and
5. • You intend to live in the home as your primary residence.
ELIGIBLE NEW HOME
An eligible new home includes new homes (i.e., newly constructed and substantially renovated homes) that are purchased from a builder and that are owner-built. The bonus will be available in respect of new homes purchased from a builder where:
1. • A written agreement of purchase and sale is entered into on or after February 21, 2012;
2. • HST is payable on the home (e.g., HST will generally be payable if ownership or possession of the home transfers before April 1, 2013 – see further details below); and
3. • No one else has claimed a bonus in respect of the home.
Detailed breakdown here http://www.bcbudget.gov.bc.ca/2012/homebuyers/2012_First_Time_Home_Buyers_Fact_Sheet.pdf
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
10 Step Method to Achieve Your Goals
A must watch! Get a piece of paper and watch your goals for 2013 come true!
You Tube Brian Tracy
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
Rabu, 23 Januari 2013
What Is Your Success Indicator?
2013 is a Blank Book.
Write a Good One!
Hope you are all having a fantastic 2013 so far. In addition to an update on the Bank of Canada rate, this week I want to share with you the Success Indicator Chart as well as a comparison of the average MLS home prices, by province, for November 2011 compared to November 2012. Hope you have a super rest of the week and feel free to call anytime - we're always here to help!
BANK OF CANADA UPDATE
The Bank of Canada today once again held it’s overnight rate at 1% in reaction to a continued weaker than expected economy. Furthermore they indicated that rates would continue to remain low for all of 2013 with a potential increase in 2014. Chief Economist, Cameron Muir of BCREA commented: “The Bank has revised its estimate for economic growth in 2012 lower, to 1.9 per cent, and now forecasts 2 per cent growth in 2013 before an acceleration to 2.7 per cent in 2014. Importantly, the Bank has also shifted its expectation that the economy will reach full capacity out to the second half of 2014. On inflation, the Bank expects growth in consumer prices to run significantly below its 2 per cent target for much of 2013 before gradually rising to target in 2014”.
So there you have it. Continued low rates for the foreseeable future. This news however does not mean you need to rush into a variable rate mortgage. Rates are anticipated to go up, so if you lock into a current low 5-year term that fits within your budget, you will be hedging yourself against potential rising interest rates next year. As always, everyone’s situation is unique. Our team can do a quick analysis and offer options that will secure you the lowest mortgage rate and help you to pay off your mortgage sooner. Call Us 604 536-3802 Vancouver 604 669-6006 Toll Free 1-800-687-9020
SUCCESS INDICATOR CHART
In the picture above and below is an interesting chart/list I came across recently. The Success Factor Indicator was created after MaryEllen Tribby - Accomplished US CEO - worked with some of the smartest, most successful enraptures in the US. After observing and interviewing them for many years, she compiled a list of characteristics, traits and behaviours of successful vs. unsuccessful people.
Life is not static, and none of us are perfect but these kinds of reminders help us all identify where we need to improve and strive for better relationships, quality of life and success in business. I hope you enjoy it!
The Success Factor Indicator
Successful People
• Have a sense of gratitude
• Forgive others
• Accept responsibility for their failures
• Compliment
• Read everyday
• Keep a journal
• Talk about ideas
• Want others to succeed
• Share information and data
• Keep a "to-be" list
• Exude joy
• Keep a "to-do/project" list
• Set goals and develop life plans
• Embrace change
• Give other people credit for their victories
• Operate from a transformational perspective
Unsuccessful People
• Have a sense of entitlement
• Hold a grudge
• Blame others for their failures
• Criticize
• Watch TV everyday
• Say they keep a journal but really don't
• Talk about people
• Secretly hope others fail
• Horde information and data
• Don't know what they want to be
• Exude anger
• Fly by their seat of their pants
• Never set goals
• Think they know it all
• Fear change
• Take all the credit of their victories
• Operate from a transactional perspective
Find out more about MaryEllen Tribby
Average MLS Resale Price for Local Markets
City November 2011 November 2012
Halifax $ 262,714 $ 266,740
Saint John $ 159,101 $ 168,623
Quebec $ 250,918 $ 260,783
Montreal $ 323,011 $ 333,324
Ottawa $ 347,675 $ 350,211
Toronto $ 480,421 $ 485,328
Hamilton/Burlington $ 342,005 $ 369,201
Winnipeg $ 236,127 $ 263,786
Saskatoon $ 307,023 $ 330,125
Regina $ 273,243 $ 309,219
Calgary $ 398,722 $ 413,921
Edmonton $ 319,559 $ 331,526
Vancouver $ 728,118 $ 682,215
Victoria $ 499,676 $ 491,326
Government of Canada Bonds
Bond Type November 21, 2012 December 5, 2012 December 19, 2012
1 year Treasury Bill 1.07% 1.05% 1.10%
3 year Benchmark
Bond Yield 1.19% 1.11% 1.22%
5 year Benchmark
Bond Yield 1.34% 1.26% 1.40%
10 year Benchmark
Bond Yield 1.76% 1.68% 1.84%
Source: Bank of Canada
Bank Lending Rate
October 24, 2012 3.00 %
December 5, 2012 3.00 %
January 23, 2013 3.00%
Exchange Rate $CDN($US)
November 28, 2012 1.0082
December 19, 2012 1.0120
December 31, 2012 1.0051
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
________________________________________
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
Guess how much the most expensive home in the world costs?
Only $1 Billion! The Antilla Mumbai is a 27-floor personal home in South Mumbai belonging to businessman Mukesh Ambani, chairman of Reliance Industries. A full-time staff of 600 maintains the residence!
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
Write a Good One!
Hope you are all having a fantastic 2013 so far. In addition to an update on the Bank of Canada rate, this week I want to share with you the Success Indicator Chart as well as a comparison of the average MLS home prices, by province, for November 2011 compared to November 2012. Hope you have a super rest of the week and feel free to call anytime - we're always here to help!
BANK OF CANADA UPDATE
The Bank of Canada today once again held it’s overnight rate at 1% in reaction to a continued weaker than expected economy. Furthermore they indicated that rates would continue to remain low for all of 2013 with a potential increase in 2014. Chief Economist, Cameron Muir of BCREA commented: “The Bank has revised its estimate for economic growth in 2012 lower, to 1.9 per cent, and now forecasts 2 per cent growth in 2013 before an acceleration to 2.7 per cent in 2014. Importantly, the Bank has also shifted its expectation that the economy will reach full capacity out to the second half of 2014. On inflation, the Bank expects growth in consumer prices to run significantly below its 2 per cent target for much of 2013 before gradually rising to target in 2014”.
So there you have it. Continued low rates for the foreseeable future. This news however does not mean you need to rush into a variable rate mortgage. Rates are anticipated to go up, so if you lock into a current low 5-year term that fits within your budget, you will be hedging yourself against potential rising interest rates next year. As always, everyone’s situation is unique. Our team can do a quick analysis and offer options that will secure you the lowest mortgage rate and help you to pay off your mortgage sooner. Call Us 604 536-3802 Vancouver 604 669-6006 Toll Free 1-800-687-9020
SUCCESS INDICATOR CHART
In the picture above and below is an interesting chart/list I came across recently. The Success Factor Indicator was created after MaryEllen Tribby - Accomplished US CEO - worked with some of the smartest, most successful enraptures in the US. After observing and interviewing them for many years, she compiled a list of characteristics, traits and behaviours of successful vs. unsuccessful people.
Life is not static, and none of us are perfect but these kinds of reminders help us all identify where we need to improve and strive for better relationships, quality of life and success in business. I hope you enjoy it!
The Success Factor Indicator
Successful People
• Have a sense of gratitude
• Forgive others
• Accept responsibility for their failures
• Compliment
• Read everyday
• Keep a journal
• Talk about ideas
• Want others to succeed
• Share information and data
• Keep a "to-be" list
• Exude joy
• Keep a "to-do/project" list
• Set goals and develop life plans
• Embrace change
• Give other people credit for their victories
• Operate from a transformational perspective
Unsuccessful People
• Have a sense of entitlement
• Hold a grudge
• Blame others for their failures
• Criticize
• Watch TV everyday
• Say they keep a journal but really don't
• Talk about people
• Secretly hope others fail
• Horde information and data
• Don't know what they want to be
• Exude anger
• Fly by their seat of their pants
• Never set goals
• Think they know it all
• Fear change
• Take all the credit of their victories
• Operate from a transactional perspective
Find out more about MaryEllen Tribby
Average MLS Resale Price for Local Markets
City November 2011 November 2012
Halifax $ 262,714 $ 266,740
Saint John $ 159,101 $ 168,623
Quebec $ 250,918 $ 260,783
Montreal $ 323,011 $ 333,324
Ottawa $ 347,675 $ 350,211
Toronto $ 480,421 $ 485,328
Hamilton/Burlington $ 342,005 $ 369,201
Winnipeg $ 236,127 $ 263,786
Saskatoon $ 307,023 $ 330,125
Regina $ 273,243 $ 309,219
Calgary $ 398,722 $ 413,921
Edmonton $ 319,559 $ 331,526
Vancouver $ 728,118 $ 682,215
Victoria $ 499,676 $ 491,326
Government of Canada Bonds
Bond Type November 21, 2012 December 5, 2012 December 19, 2012
1 year Treasury Bill 1.07% 1.05% 1.10%
3 year Benchmark
Bond Yield 1.19% 1.11% 1.22%
5 year Benchmark
Bond Yield 1.34% 1.26% 1.40%
10 year Benchmark
Bond Yield 1.76% 1.68% 1.84%
Source: Bank of Canada
Bank Lending Rate
October 24, 2012 3.00 %
December 5, 2012 3.00 %
January 23, 2013 3.00%
Exchange Rate $CDN($US)
November 28, 2012 1.0082
December 19, 2012 1.0120
December 31, 2012 1.0051
For more information on how the New Mortgage Rule Changes affect you - call 604 536-3802 or 604 669-6006
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
________________________________________
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
BEST MORTGAGE RATES
2.99 % 5 Year Fixed Rate
Prime-.35% Variable 5
3.79% 10 Year Fixed
LIMITED TIME SPECIAL CONDITIONS APPLY - CALL to Book
604 536-3802
604 669-6006
1-800-687-9020
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
Guess how much the most expensive home in the world costs?
Only $1 Billion! The Antilla Mumbai is a 27-floor personal home in South Mumbai belonging to businessman Mukesh Ambani, chairman of Reliance Industries. A full-time staff of 600 maintains the residence!
Download Dreyer Group on Your Mobile Device
Mortgage Payment Calculator
Income Qualifier
Purchase Finance Calculator
Get an Instant Hold and Quote for Your Client
Access Quick App to get your clients approval going
Blackberry and iPhone compatible.
Simply link here
Follow me on twitter
Follow my financial blog
Follow me on Facebook
Senin, 14 Januari 2013
For ticket holders and dignitaries only - why I felt cheated by "Steam on the Underground"
‘The events’ writes the Transport for London's (TfL) website ‘will explore the tube’s history and will look at the role it will play in the future – both in the lives of Londoners and the economy of the City and the UK.’ We have repeatedly been told that London’s underground network is the lifeblood of the city; flowing into the veins of all who live and work here. We have been told that it serves us, that it functions for our benefit, through times of happiness and joy; and through sorrow and heartache. This does, therefore, lead me to ask why one of TfL's events, the running of steam on the Underground, was seemingly so poorly orchestrated that there was no hope that most Londoners could get a descent look-in.
I’m not talking about the lottery for tickets to ride on the steam train. There were limited spaces and this was probably the fairest way to decide who got to go on the historic run. Nor am I talking about the success of getting a steam engine running on the underground in the first place; that is a notable achievement. Rather, I am talking about the chronic lack of information available; the very un-friendly provisions for families and the arrangements for viewing the train at Moorgate.
 |
| Enthusiasts at Earl's Court |
The underground’s website suitably praised TfL’s operation of a historic train; except that crucial of all information, the route and times of its journey. Nether was their information on the best places to see it. I knew, as did almost every railway enthusiast, which rather obscure website held such information. But imagine if I were a parent wanting to take my children to see the run, would I have known which website to go? I don’t think so; I don’t think many would have known how to find the times out. Consequently, at the stations I visited it was clear that the railway enthusiast fraternity had turned out in droves; while ‘Londoners’, young and old, were in short supply. Why the times were not on the main TfL site (or if it was it was very well hidden) is beyond me.
TfL also probably made a windfall out of the steam train’s journeys. This wasn’t because of the £180 it cost to ride on it, that presumably covered the cost of operating the train. I’m referring to all those who ‘touched in’ with their Oyster cards, but failed to touch out in time because they were waiting around for the steam train, meaning money was subtracted from it. Suffice to say I got stung twice. I topped up my Oyster like a good little lad at Hampton Court; I usually top it up to the price of a travel card, so I had £8.90 when I left there. But after being inside Earl’s Court Station waiting for the steam engine for about an hour, on attempting to leave I was told I had no money. I queried this, but eventually put it down to some fault in the system and topped up again. Yet, when the same thing happened on attempting to leave at Barbican, after being ‘inside’ the tube for about two hours - it was only then I twigged. I appreciate I should have been more astute and figured this would happen; after all, I travel on the tube weekly. But what about the uninitiated; someone who was unfamiliar with Oyster cards and visiting to specifically see the train? I dread to think how much TfL made out of such people who made the same mistake I did. Yet, people could have avoided such a blunder if TfL had simply placed a mention on their website and at stations ‘Do not use an Oyster if planning to stay in the station for some time – use a paper Travelcard.’ Would this have been so hard?
 |
| I probably got one of the best views - still dreadful though |
But then there was what happened at Moorgate. Now, I know that a lot of people wanted to get to the steam train to have a look, but the way that the situation was handled was verging on the infuriating. For those who are unaware; Moorgate has two terminal platforms. When I arrived behind the barrier, TfL had decided to put the steam train in one of these and then had shoved a tube train, completely obscuring mine and others view, in the next. This was followed by at least 45 minutes of very mixed messages from different officials and police officers as to whether the tube train would move – at first it was going to; but then it didn’t; although we weren't certain of that for some time. Following this the dignitaries who had just got off the steam train came round in front of us, wandered up and down the stationary tube, and then left by another train that had arrived on a platform we were on.
Still our view was obscured. I heard a mother with three children, one of the few families I saw there, say ‘this whole thing has been organised against children’ – a sentiment I couldn’t disagree with; especially as she was unsure whether her two boys would get a look at the steam train. Eventually, we were let on the stationary tube so we could peer through the windows at the piece of railway heritage on the next line. It was ridiculous really. You weren’t able to take descent photos because of the glare from the glass; you weren’t able to even see much because of the people cramming by the windows; and awe and wonder was in generally short supply. Then, I heard the crying from down the train; one of the children who had waited couldn’t see it.
 |
| No way to see much, if any of the steam train. |
The steam train was only at Moorgate for about an hour and half. Would it have been so hard for TfL to cordon of one side of the platform for that short time, have the barrier patrolled, and remove the tube train so that all, not just dignitaries, could see the steamer in all its splendour? Would that have been so hard? In the end I came away with numerous blurry photographs and lots of reflection from the window. Unsurprisingly, most around me had exactly the same grumble.
All in all, a steam engine on the underground was a wonderful thing; and those who got the special service running should rightfully be congratulated. But I am sorry to say that as someone who has paid for the journey through may underground fares, who loves the tube and is interested in railway history, it seemed that unless you were lucky enough to have a ticket to ride or were a dignitary, you were a burden to TfL; not worthy of suitable attention or information. Overall, I came away feeling cheated; I had paid £18.90 topping up my Oyster, had waited over four hours in the cold, all for limited return. Therefore, TfL take note; you claimed this event was for those who live and work in London; yet you created a reality that was quite different.
Senin, 24 Desember 2012
Counting customers - railway traffic before Christmas in the 1800s
There is no doubt that the four or five days before Christmas are some of the busiest for Britain’s railways as people travel home to see their friends and relatives, or return bleary eyed from Christmas parties and gatherings. No doubt the flooding in Britain has reduced the number of trains running in the period this year. However, nationally, 22,247 trains were scheduled on the 21 December; 20,436 on the 22nd; 11,588 were supposed to run yesterday and 18,968 are due to run today.[1] Most Train Operating Companies have not supplement their regular scheduled services,[3] Chiltern being the only one.[2] Thus, with largely regular Saturday and Sunday timetables in operation on the 22nd and 23rd December, and with trains stopping early today, many passengers will feel like they have travelled in tin cans by the end of the festive season.
However, it is no comfort to say so, but crowded trains are what the Christmas passenger has experienced for over a century. In the nineteenth century particularly, the various railway companies provided the press with a plethora of data on their Christmas traffic. In the days after the 25 December how many passengers to and from stations were commonly mentioned in newspapers, especially as the numbers usually grew each year.
The number of passengers who travelled in the festive period from London via the Great Western Railway (GWR) perfectly shows this growth. In 1895 the number booked at the company’s City and West End Offices and London Stations between Friday 20 December and Thursday 26 December at noon was 40,750. This was an increase on 1889’s total of 37,000. Indeed, in 1895 5,953 passengers travelled from Paddington on Saturday 21 December; with 8,992 being conveyed on Christmas Eve.[4] Therefore, with Christmas passenger numbers increasing so rapidly year on year, it is quite possible that individual travellers found themselves progressively squeezed as the railways struggled to keep pace with the changing demand.
However, as we are currently told passenger numbers in this country continue to grow, it would be interesting to see this year whether the 374 and 307 trains scheduled leave Paddington on the 21 and 24 December respectively are on average they are more packed than those on the same day in 2011. [5]
But passenger data was not the only information the newspapers featured; and the amount of parcels handled by stations also appeared alongside it. Those passing through the London and North Western Railway’s Euston Station were of particular interest and, as I related in a blog post last year, special arrangements were established there in the 1840s to handle this vast and growing traffic. Statistics have been found which show that number of parcels arriving at Euston in the three days before and the morning of the 25 December grew most years. They were as follows:
1848 - 12,000 [6]
1849 - 15,000 [7]
1850 - 10,000 [8]
1851 - Inward and Outward: 40,000 (figures for the week before Christmas) [9]
1852 - 12,000
1853 - 12,500 [10]
1864 - 17,000 [11]
Therefore, by digging into nineteenth century newspapers we can gauge how the railways became an integral part of Christmas for Victorians; performing the same function as do for passengers today, through taking them from home to merriment and delivering them all they needed for Christmas cheer.
Much thanks must go to Tom Cairns for the data he provided on current train operations.
---------
[1] Data kindly provided by Tom Cairns http://realtimetrains.co.uk and Twitter: @swlines
[4] Morning Post - Friday 27 December 1895
[5] Data kindly provided by Tom Cairns http://realtimetrains.co.uk and Twitter: @swlines
[6] The Morning Post, Tuesday, December 26, 1848
[7] Daily News, Wednesday, December 26, 1849, Issue 1119
[8] The Era, Sunday, December 29, 1850
[9] The Standard, Saturday, December 27, 1851, p.1
[10] The Essex Standard, and General Advertiser for the Eastern Counties, Wednesday, December 28, 1853
[11] Jackson's Oxford Journal, Saturday, January 9, 1864
Jumat, 21 Desember 2012
Contentment
Contentment
by Napoleon Hill
The richest man in all the world lives in Happy Valley. He is rich in values that endure, in things he cannot lose—things that provide him with contentment, sound health, peace of mind and harmony within his soul.
Here is an inventory of his riches and how he acquired them:
“I found happiness by helping others to find it.
“I found sound health by living temperately and eating only the food my body requires to maintain itself. “I hate no man, envy no man, but love and respect all mankind.
“I am engaged in a labor of love with which I mix play generously; therefore, I seldom grow tired.
“I pray daily, not for more riches but for more wisdom with which to recognize, embrace, and enjoy the great abundance of riches I already possess.
“I speak no mane save only to honor it, and I slander no man for any cause whatsoever.
“I ask no favors of anyone except the privilege of sharing my blessings with all who desire them.
“I am on good terms with my conscience; therefore, it guides me accurately in everything I do.
“I have more material wealth than I need because I am free from greed and covet only those things I can use constructively while I live. My wealth comes from those whom I have benefited by sharing my blessings.
“The estate of Happy Valley which I own is not taxable. It exists mainly in my own mind, in intangible riches that cannot be assessed for taxation or appropriated except by those who adopt my way of life. I created this estate over a lifetime of effort by observing nature’s laws and forming habits to conform with them.”
Source: Success Through A Positive Mental Attitude. Prentice-Hall, Inc. 1960. Pgs. 211 & 212.
by Napoleon Hill
The richest man in all the world lives in Happy Valley. He is rich in values that endure, in things he cannot lose—things that provide him with contentment, sound health, peace of mind and harmony within his soul.
Here is an inventory of his riches and how he acquired them:
“I found happiness by helping others to find it.
“I found sound health by living temperately and eating only the food my body requires to maintain itself. “I hate no man, envy no man, but love and respect all mankind.
“I am engaged in a labor of love with which I mix play generously; therefore, I seldom grow tired.
“I pray daily, not for more riches but for more wisdom with which to recognize, embrace, and enjoy the great abundance of riches I already possess.
“I speak no mane save only to honor it, and I slander no man for any cause whatsoever.
“I ask no favors of anyone except the privilege of sharing my blessings with all who desire them.
“I am on good terms with my conscience; therefore, it guides me accurately in everything I do.
“I have more material wealth than I need because I am free from greed and covet only those things I can use constructively while I live. My wealth comes from those whom I have benefited by sharing my blessings.
“The estate of Happy Valley which I own is not taxable. It exists mainly in my own mind, in intangible riches that cannot be assessed for taxation or appropriated except by those who adopt my way of life. I created this estate over a lifetime of effort by observing nature’s laws and forming habits to conform with them.”
Source: Success Through A Positive Mental Attitude. Prentice-Hall, Inc. 1960. Pgs. 211 & 212.
Selasa, 18 Desember 2012
'Pretty Festoons of Holly Leaves Are Displayed' - The Decoration of Railway Stations Before 1900
In the late nineteenth century most railway employees would find themselves at work over the Christmas period, even on Christmas Day itself. Therefore, it is unsurprising that many felt the need to adorn their places of work so that the spirit of Christmas would remain with them while on duty. The decoration of stations was seemingly a collective effort by station staff, and it was reported by the Reading Mercury in January 1887 that at Sunningdale station on the London and South Western Railway (LSWR) ‘all the men have worked at the decorations during their “off time” under the supervision of the station master.[1]
This decking out of stations at Christmas allowed travellers to pass a wealth of colour while on their journeys. In 1884 the London and South Western Railway’s (LSWR) staff magazine, the South Western Gazette, reported that the standard of decorations at suburban stations was ‘quite up to the standard of past years’.[2] The Whitstable Times and Hearne Bay Herald stated in 1881 that the London, Chatham and Dover Railway’s (LCDR) station at Canterbury ‘looked exceedingly pretty’ and that ‘there had been no stint in the quality of decorative material, and it had been put up in a manner that evinced care and taste on the part of the decorators.’[3] Furthermore, in 1887 the adornments at the LSWR’s Totton, Redbridge and Lyndhurst Road Stations were described by the Hampshire Advertiser as being ‘very effective, reflecting credit on those who carried out the work.’[4]
Decorations were usually a mix of local plants, particularly evergreens, with other items added. In 1888 the booking office and waiting room at Purley on the London, Brighton and South Coast Railway (LBSCR) was decorated ‘effectively and prettily’ with holly and ivy.[5] Furthermore, the copious adornments at the LSWR’s Sunningdale Station in 1886 were described in full, as follows:
‘The evergreens, relieved by numerous flags, and mottoes have a very pretty effect. The pillars are entwined with Turkey red, above which is a diamond shaped wreath, with Chrysanthemums, yellow, white and pink bronze at each point. The booking office is adorned with great taste, and a number of pretty festoons of holly leaves are displayed.’[6]
Additionally, the Gazetterecorded that the parcels office staff at Richmond station in 1887 had…:
“…vied with their parcel brethren at other stations in the way in which they have recognised this season of the year by wreathing and other decorations on the walls and around the windows of their office; the result has been very successful…a considerable quantity of evergreen has been expended in all decorations of this Richmond parcels office. We hear it is as well as any in the vicinity.’[7]
Staff at Norbiton in 1884 and Camberley in 1885[8] did things a little differently; lighting their booking offices and waiting rooms with Chinese lanterns. The Gazette recorded how at Norbiton ‘The effect at night is exceedingly pretty, and reflects great credit upon the designers.’[9]
It is unknown when stations were decorated by their staff. However, only one article I have found reports a station's adornments before 25 December, suggesting that most stations were decked out shortly before Christmas Day.[10] As for when they were taken down, this is again a bit of a mystery. Yet, clearly some stations were a bit lazy in doing so. At Saxmundham Station on the Great Eastern Railway in 1875, decorations were noted to be still up in the waiting room at a staff supper on the 12 January.[11]
I have always felt that the Victorian railway community’s decoration of stations is akin to what many of us do at our own places of work; we decorate to help us remain festive while grafting. Consequently, our festooning of desks and walls follow in a long tradition of work-place festivities.
MERRY CHRISTMAS TO ALL MY READERS
My other Christmas posts are as follows:
----
[1] Reading Mercury, Saturday 01 January 1887
[2] The South Western Gazette, January 1888, p.8
[3] Whitstable Times and Herne Bay Herald, Saturday 01 January 1881
[4] Hampshire Advertiser, Saturday 31 December 1887
[5] Surrey Mirror, Saturday 22 December 1888
[6] Reading Mercury, Saturday 01 January 1887
[7] The South Western Gazette, January 1888, p.11
[8] Reading Mercury, Saturday 02 January 1886
[9] The South Western Gazette, January 1884, p.2
[10] Surrey Mirror, Saturday 22 December 1888
[11] The Ipswich Journal, Saturday 16 January 1875
Kamis, 13 Desember 2012
BC First Time Bonus
Available Until March 31st 2013
BC First-Time New Home Buyers’ Bonus is a ONE-TIME Homebuyers Bonus Effective until March 31st 2013 – Refund Personal Income Tax Credit of up to $10,000
First Time Home Buyers’ Bonus is a one time personal income tax credit worth up to $10,000 for BC residents who purchase an eligible new home and are first-time home buyers.
BC Resident – if you file a 2011 BC resident personal income tax return, or if you move to BC after December 31,2011, or you file a 2012 BC resident personal income tax return (you will not be eligible for the bonus if you move to BC after December 31, 2012)
First time home buyer defined as- an individual who has never previously owned a primary residence in Canada or anywhere in the world. If there are multiple buyers, every purchaser must be a first time home buyer to qualify.
Primary Residence Eligibility – must be a home that you intend to live in on a permanent basis. It can be owned by you or jointly however again to qualify, you and any purchasers must be first time homebuyers.
An eligible new home includes new homes (i.e. newly constructed and substantially renovated homes) that are purchased from a builder and that are owner- built.
Other conditions:
• Contract of purchase and sale is entered into on or after
February 21, 2012
• HST is payable on the home
• No one else has claimed a bonus in respect of the home
• Construction of the home is complete, or the home is occupied,
before April 1, 2013
How much is the Bonus – equal to 5% of the purchase price of the home (or in the case of owner-built homes, 5% of the land and construction costs subject to HST) to a maximum of $10,000
Bonus will be reduced if income is too high:
• For individuals, bonus reduced by $.20 for every dollar in net income over $150,000 (bonus is reduced to zero at $200,000 net income)
• For couples, bonus reduced by $.10 for every dollar in family net income over $150,000 (bonus is reduced to zero at $250,000 family net income)
The builder sent in my BC HST New Housing Rebate – Am I still entitled to the bonus?
Yes, so long as you meet all the other requirements.
Is the bonus taxable? No. The bonus is a refundable personal income tax credit, meaning it will not be added to your income on your tax return.
For Further Information? Call us or go to online
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
REFINANCING RATES
NEW HOME PURCHASE
2.94% 5 YEAR FIXED Quick Close Rate Special
CONDITIONS APPLY - CALL 604 536-3802 to Book
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
Check out our new
Dreyer Group Facebook Page
Like Us Now - we'd love to connect with you!
Marketing Flyer in PDF for your use
BC First-Time New Home Buyers’ Bonus is a ONE-TIME Homebuyers Bonus Effective until March 31st 2013 – Refund Personal Income Tax Credit of up to $10,000
First Time Home Buyers’ Bonus is a one time personal income tax credit worth up to $10,000 for BC residents who purchase an eligible new home and are first-time home buyers.
BC Resident – if you file a 2011 BC resident personal income tax return, or if you move to BC after December 31,2011, or you file a 2012 BC resident personal income tax return (you will not be eligible for the bonus if you move to BC after December 31, 2012)
First time home buyer defined as- an individual who has never previously owned a primary residence in Canada or anywhere in the world. If there are multiple buyers, every purchaser must be a first time home buyer to qualify.
Primary Residence Eligibility – must be a home that you intend to live in on a permanent basis. It can be owned by you or jointly however again to qualify, you and any purchasers must be first time homebuyers.
An eligible new home includes new homes (i.e. newly constructed and substantially renovated homes) that are purchased from a builder and that are owner- built.
Other conditions:
• Contract of purchase and sale is entered into on or after
February 21, 2012
• HST is payable on the home
• No one else has claimed a bonus in respect of the home
• Construction of the home is complete, or the home is occupied,
before April 1, 2013
How much is the Bonus – equal to 5% of the purchase price of the home (or in the case of owner-built homes, 5% of the land and construction costs subject to HST) to a maximum of $10,000
Bonus will be reduced if income is too high:
• For individuals, bonus reduced by $.20 for every dollar in net income over $150,000 (bonus is reduced to zero at $200,000 net income)
• For couples, bonus reduced by $.10 for every dollar in family net income over $150,000 (bonus is reduced to zero at $250,000 family net income)
The builder sent in my BC HST New Housing Rebate – Am I still entitled to the bonus?
Yes, so long as you meet all the other requirements.
Is the bonus taxable? No. The bonus is a refundable personal income tax credit, meaning it will not be added to your income on your tax return.
For Further Information? Call us or go to online
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copyright © 2008
REFINANCING RATES
NEW HOME PURCHASE
2.94% 5 YEAR FIXED Quick Close Rate Special
CONDITIONS APPLY - CALL 604 536-3802 to Book
More Rates
Email me now with the next person you know that needs financing
All rates quoted are on approved credit.
Check out our new
Dreyer Group Facebook Page
Like Us Now - we'd love to connect with you!
Marketing Flyer in PDF for your use
Jumat, 30 November 2012
Give To Get
Here is great read from where most speakers and coaches still go to get thier information. The book Think and Grow Rich by Napoleon Hill. This is a great read that put into action everyday, will have fantastic results in your life. Enjoy Jared.
Give to Get. . .
by Napoleon Hill
Your most preciously valued possessions and your greatest powers are often necessarily invisible and intangible. No one can take them. You and you alone can share them.
The more you share, the more you will have.
Now if you doubt this, you can prove it to yourself by giving: a smile to everyone you meet; a kind word; a pleasant response; appreciation with warmth from the heart; cheer; encouragement; hope; honor, credit, and applause; good thoughts; evidence of love for your fellowmen; happiness; a prayer for the godless and the godly; and time for a worthy cause with eagerness.
If you do experiment by giving any one of the above, you will also prove to yourself what we have found is one of the most difficult principles to teach those who need it most: how to cause desirable actions within yourself. Until you do learn, you will fail to realize that what is left with you when you share it with others will multiply and grow; and what you withhold from others will diminish and decrease. There, share that which is good and desirable and withhold that which is bad and undesirable.
Source: Success Through A Positive Mental Attitude. Prentice-Hall. 1960. Pgs. 165 & 166.
Give to Get. . .
by Napoleon Hill
Your most preciously valued possessions and your greatest powers are often necessarily invisible and intangible. No one can take them. You and you alone can share them.
The more you share, the more you will have.
Now if you doubt this, you can prove it to yourself by giving: a smile to everyone you meet; a kind word; a pleasant response; appreciation with warmth from the heart; cheer; encouragement; hope; honor, credit, and applause; good thoughts; evidence of love for your fellowmen; happiness; a prayer for the godless and the godly; and time for a worthy cause with eagerness.
If you do experiment by giving any one of the above, you will also prove to yourself what we have found is one of the most difficult principles to teach those who need it most: how to cause desirable actions within yourself. Until you do learn, you will fail to realize that what is left with you when you share it with others will multiply and grow; and what you withhold from others will diminish and decrease. There, share that which is good and desirable and withhold that which is bad and undesirable.
Source: Success Through A Positive Mental Attitude. Prentice-Hall. 1960. Pgs. 165 & 166.
Jumat, 16 November 2012
Mortgage Rule Changes as of November 01, 2012
Mortgage Rule Changes as of November 01, 2012
For your convenience, below is a summary of the primary mortgage changes. Keep in mind though, as an independent mortgage firm, we have access to a wide variety of lenders who offer alternative solutions. So be sure if you or your clients require financing, to call our office first and get a personalized mortgage analysis.
Have a super weekend! www.dreyergroup.ca 1-800-687-9020
Mortgage Rule Changes as of November 01, 2012
1. Lines of Credit: You can now only borrow to a maximum of 65% loan to value of your property - in the past it was 80%
2. Self-Employed: Clients who are self-employed and want to use their "stated income" (gross incomes), can go to a maximum loan to value of 65% on conventional mortgages.
3. All Variable Rate Mortgages must use the 5-year Bank of Canada benchmark rate to qualify as well as any fixed or variable terms less then 5 years insured or conventional must qualify on the 5 year fixed Bank of Canada benchmark rate. For example, if you secure a 2 year fixed rate at 2.79%, your mortgage application will be qualified based on the 5 year fixed benchmark with currently sits at 5.24%
Changes as of July 09, 2012
The changes listed below ONLY effect purchasers who plan on putting less than 20% down payment otherwise known as high ratio mortgages, insured through CMHC or Genworth.
These changes speak to ensuring we have a strong first-time homebuyers, who are building equity in their properties, to soften debt exposure and limit the loan to value ratios on higher priced real estate.
It is important to understand again that these current changes will NOT effect consumers providing a down payment of 20% or more.
CHANGES ANNOUNCED
1. Amortizations reduced to 25 years from 30 years. (on properties with less than 20% down payment)
EXAMPLE*:
A mortgage of $250,000 with a 30 year amortization at 3.09% 5-year fixed rate = $1094.89 monthly payment
A mortgage of $250,000 with the new 25 year amortization at 3.09% 5-year fixed rate = $1227.54 monthly payment
Difference of $132.65 per month
2. Refinancing is REDUCED from 85% Loan-to-value (LTV) to 80% - no change to purchases. (It is important to note that most consumers currently choose to do refinancing to a maximum of 80% LTV to avoid insurance fees so this specific change should have very little impact)
3. Properties purchased over $1 Million no longer will eligible for mortgage insurance (If the home purchase price is under $1 Million dollars consumers can still purchase up to 95% LTV with insurance – anything over $1 Million dollars, 20% down payment is required).
4. GDS and TDS set at 39% and 44% if credit score is over 680 - The reduction in amortization combined with the lowered GDS ratio could affect a number of people’s ability to qualify. If your credit score is below 680 you can qualify on a lesser GDS of 34% and TDS of 40
THE GOOD NEWS
• 5% down payment rule still remains in effect for property values under $1 Million dollars
• Mortgage brokers have access to specialty lenders in addition to mainstream banks and trust companies to help you get approved even if you fall outside the guidelines.
As the mortgage qualification landscape becomes more complicated, it is critical consumers work with an independent mortgage professional that understand these changes and can help navigate the rules to ensure the best mortgage solution.
Book Your Best Canadian Mortgage Rate 1-800-687-9020 www.dreyergroup.ca
For your convenience, below is a summary of the primary mortgage changes. Keep in mind though, as an independent mortgage firm, we have access to a wide variety of lenders who offer alternative solutions. So be sure if you or your clients require financing, to call our office first and get a personalized mortgage analysis.
Have a super weekend! www.dreyergroup.ca 1-800-687-9020
Mortgage Rule Changes as of November 01, 2012
1. Lines of Credit: You can now only borrow to a maximum of 65% loan to value of your property - in the past it was 80%
2. Self-Employed: Clients who are self-employed and want to use their "stated income" (gross incomes), can go to a maximum loan to value of 65% on conventional mortgages.
3. All Variable Rate Mortgages must use the 5-year Bank of Canada benchmark rate to qualify as well as any fixed or variable terms less then 5 years insured or conventional must qualify on the 5 year fixed Bank of Canada benchmark rate. For example, if you secure a 2 year fixed rate at 2.79%, your mortgage application will be qualified based on the 5 year fixed benchmark with currently sits at 5.24%
Changes as of July 09, 2012
The changes listed below ONLY effect purchasers who plan on putting less than 20% down payment otherwise known as high ratio mortgages, insured through CMHC or Genworth.
These changes speak to ensuring we have a strong first-time homebuyers, who are building equity in their properties, to soften debt exposure and limit the loan to value ratios on higher priced real estate.
It is important to understand again that these current changes will NOT effect consumers providing a down payment of 20% or more.
CHANGES ANNOUNCED
1. Amortizations reduced to 25 years from 30 years. (on properties with less than 20% down payment)
EXAMPLE*:
A mortgage of $250,000 with a 30 year amortization at 3.09% 5-year fixed rate = $1094.89 monthly payment
A mortgage of $250,000 with the new 25 year amortization at 3.09% 5-year fixed rate = $1227.54 monthly payment
Difference of $132.65 per month
2. Refinancing is REDUCED from 85% Loan-to-value (LTV) to 80% - no change to purchases. (It is important to note that most consumers currently choose to do refinancing to a maximum of 80% LTV to avoid insurance fees so this specific change should have very little impact)
3. Properties purchased over $1 Million no longer will eligible for mortgage insurance (If the home purchase price is under $1 Million dollars consumers can still purchase up to 95% LTV with insurance – anything over $1 Million dollars, 20% down payment is required).
4. GDS and TDS set at 39% and 44% if credit score is over 680 - The reduction in amortization combined with the lowered GDS ratio could affect a number of people’s ability to qualify. If your credit score is below 680 you can qualify on a lesser GDS of 34% and TDS of 40
THE GOOD NEWS
• 5% down payment rule still remains in effect for property values under $1 Million dollars
• Mortgage brokers have access to specialty lenders in addition to mainstream banks and trust companies to help you get approved even if you fall outside the guidelines.
As the mortgage qualification landscape becomes more complicated, it is critical consumers work with an independent mortgage professional that understand these changes and can help navigate the rules to ensure the best mortgage solution.
Book Your Best Canadian Mortgage Rate 1-800-687-9020 www.dreyergroup.ca
Rabu, 14 November 2012
Mortgage Rule Changes History
MORTGAGE RULE CHANGES – YEAR-OVER-YEAR COMPARISON
Between 2006 and early 2008 marked great changes in the mortgage industry. The zero percent down mortgage was introduced and amortization options grew to include 30, 35 and 40-years. Late 2008, in an effort to stabilize consumer borrowing, the government slowly clawed back these changes to where we originally started in 2006. In essence, we have come full circle. Below is a comparison of how these changes have rolled out over the past 4 years. Using the services of an Independent Mortgage Professional will help you access a wide variety of lenders. We can guide you through the process of securing the best mortgage product at the lowest rate.
2012
- LOC (line of credit) reduction to a maximum of 65% LTV (loan to value)
- Stated income for BFS (business for self) programs require 35% down now (conventional mortgage)
- Cash-back no longer accepted as down payment
- Qualifying rates on conventional lending to now use the 5 year benchmark rate for terms of less than 5 years and VRM’s (variable rate mortgages)
- 30 year amortization gone for high ratio mortgages, now 25 years
- No mortgage insurance (CMHC, etc) for properties over 1 million
- Lower maximum LTV (loan to value) for refinances. Was 85%, now 80%
- GDS (gross debt servicing) reduced from 44% to 39%
- Rental property down payment requirement is now 35% from 20% with many lenders
2011
- 35 year amortization gone for high ratio mortgages, now 30 years
- Lower maximum LTV (loan to value) for refinances. Was 90%, now 85%
- Elimination of government insurance on LOC’s (line of credits)
2010
- Qualifying rates on high ratio lending to now use the 5 year benchmark rate for terms of less than 5 years and VRM’s (variable rate mortgages)
- Lower maximum LTV (loan to value) for refinances. Was 95%, now 90%
- Rental property down payment requirement is now 20% from 5%
2008
- Minimum downpayment changed from 0% back to 5%
- Minimum beacon score of 620 required for high ratio lending
- New loan documentation requirement standards
- 45% maximum TDS ratio
- 40 year amortization gone for high ratio mortgages, now 35 years
For more information on how these changes affect your borrowing, contact the Dreyer Mortgage Team
Jared Dreyer, AMP Dreyer Mortgage Brokers 604 649-5991 jared@dreyergroup,ca www.dreyergroup.ca
Senin, 12 November 2012
Who Took My Desk?
And I'm proud to be a Canadian, where at least I know I'm free. And I won't forget the men/and women who died, and gave that right to me.
~Unknown WATCH NOW
It is that time of year again. The time we stop and remember all the past and present soldiers that fought for our freedom. War is such a terrible state but sadly sometimes we have had no choice. And it is at those times that I am so grateful for all the young men and women who stood up and fought on our behalf..... where would we be today without their courage.
All this week and into early next week Remembrance Day ceremonies will take place at local schools, legions, parks and city halls... join me in taking the time to show your respect and gratitude.... Lest We Forget
The Old Comrade
By Dileas Gu Brath
Every year about this time
You'll see him at the mall
A man who's old and slightly bent,
Who once stood straight and tall.
And if you go you'll see him,
For he's there every day.
Dressed in a Legion blazer,
With poppies in a tray
Who is this ancient warrior
Who sacrificed his youth?
So we could live in freedom,
And all could know the truth.
How many times still in his youth
Did this man go through hell?
How many times watched helplessly,
As comrades around him fell
A dollar coin or maybe five,
It's a small price that I pay,
As I take a poppy,
And start to walk away.
Thank you sir the old man says,
With a voice that's strong and true,
And I turn and look in his eyes,
And say, No Sir... I thank you!
Warm Regards,
Jared Dreyer, AMP
604 649-5991
jared@dreyergroup.ca
Dreyer Group Mortgages Inc.
Proud Member of the VERICO Brokers Network
________________________________________
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients , we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business. Copywrite © 2008
He remembers...
Things he wants to forget, but can't.
And a tear slides slowly down his cheek...
by Andre Quellette
On November 11th, take time to remember
Who Took My Desk?
Back in September, on the first day of school, Martha Cothren, a social studies high school teacher removed all of the desks out of her classroom.
When first period kids entered the room they discovered that there were no desks they asked
'Ms.. Cothren, where're our desks?'
She replied, 'You can't have a desk until you tell me how you earn the right to sit at a desk.'
They thought, 'Well, maybe it's our grades.'
'No,' she said. 'Maybe it's our behavior.'
She told them, 'No, it's not even your behaviour.'
And so, they came and went, the first period, second period, third period. Still no desks in the classroom.
The final period of the day came and as the puzzled students found seats on the floor of the deskless classroom, Martha Cothren said, 'Throughout the day no one has been able to tell me just what he/she has done to earn the right to sit at the desks that are ordinarily found in this classroom. Now I am going to tell you.'
At this point, Martha Cothren went over to the door of her classroom and opened it.
Twenty-seven (27) War Veterans, all in uniforms, walked into that classroom, each one carrying a school desk. The Vets began placing the school desks in rows, and then they would walk over and stand alongside the wall... By the time the last soldier had set the final desk in place those kids started to understand, perhaps for the first time in their lives, just how the right to sit at those desks had been earned..
Martha said, 'You didn't earn the right to sit at these desks. These heroes did it for you. They placed the desks here for you. Now, it's up to you to sit in them. It is your responsibility to learn, to be good students, to be good citizens. They paid the price so that you could have the freedom to get an education. Don't ever forget it.'
~Unknown WATCH NOW
It is that time of year again. The time we stop and remember all the past and present soldiers that fought for our freedom. War is such a terrible state but sadly sometimes we have had no choice. And it is at those times that I am so grateful for all the young men and women who stood up and fought on our behalf..... where would we be today without their courage.
All this week and into early next week Remembrance Day ceremonies will take place at local schools, legions, parks and city halls... join me in taking the time to show your respect and gratitude.... Lest We Forget
The Old Comrade
By Dileas Gu Brath
Every year about this time
You'll see him at the mall
A man who's old and slightly bent,
Who once stood straight and tall.
And if you go you'll see him,
For he's there every day.
Dressed in a Legion blazer,
With poppies in a tray
Who is this ancient warrior
Who sacrificed his youth?
So we could live in freedom,
And all could know the truth.
How many times still in his youth
Did this man go through hell?
How many times watched helplessly,
As comrades around him fell
A dollar coin or maybe five,
It's a small price that I pay,
As I take a poppy,
And start to walk away.
Thank you sir the old man says,
With a voice that's strong and true,
And I turn and look in his eyes,
And say, No Sir... I thank you!
Warm Regards,
Jared Dreyer, AMP
604 649-5991
jared@dreyergroup.ca
Dreyer Group Mortgages Inc.
Proud Member of the VERICO Brokers Network
________________________________________
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients , we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business. Copywrite © 2008
He remembers...
Things he wants to forget, but can't.
And a tear slides slowly down his cheek...
by Andre Quellette
On November 11th, take time to remember
Who Took My Desk?
Back in September, on the first day of school, Martha Cothren, a social studies high school teacher removed all of the desks out of her classroom.
When first period kids entered the room they discovered that there were no desks they asked
'Ms.. Cothren, where're our desks?'
She replied, 'You can't have a desk until you tell me how you earn the right to sit at a desk.'
They thought, 'Well, maybe it's our grades.'
'No,' she said. 'Maybe it's our behavior.'
She told them, 'No, it's not even your behaviour.'
And so, they came and went, the first period, second period, third period. Still no desks in the classroom.
The final period of the day came and as the puzzled students found seats on the floor of the deskless classroom, Martha Cothren said, 'Throughout the day no one has been able to tell me just what he/she has done to earn the right to sit at the desks that are ordinarily found in this classroom. Now I am going to tell you.'
At this point, Martha Cothren went over to the door of her classroom and opened it.
Twenty-seven (27) War Veterans, all in uniforms, walked into that classroom, each one carrying a school desk. The Vets began placing the school desks in rows, and then they would walk over and stand alongside the wall... By the time the last soldier had set the final desk in place those kids started to understand, perhaps for the first time in their lives, just how the right to sit at those desks had been earned..
Martha said, 'You didn't earn the right to sit at these desks. These heroes did it for you. They placed the desks here for you. Now, it's up to you to sit in them. It is your responsibility to learn, to be good students, to be good citizens. They paid the price so that you could have the freedom to get an education. Don't ever forget it.'
Kamis, 01 November 2012
Good News First Time HomeBuyers
If you are a First Time Homebuyer afraid you wont be able to enter the housing market with the new mortgage rules, fear not.
This is actually an opportune time to take advantage of the historical low mortgage rates and negotiate better prices on housing, especially in the condo/townhome market. While many feared this market would be the most negatively affected, take a look at these numbers to help put it in perspective:
2007 40 years of amortization (the longest you could get at the time) at an average interest rate of 5.71% - $350,000 = $1,831* would have been your monthly mortgage payment.
2012 25 years of amortization at an average interest rate of 3.29% - $350,000 = $1,704* monthly mortgage payment.
Right away, you'll notice a truly substantial savings in that you'll pay your mortgage off 15 years earlier and approximately $330,000 in interest that would have developed over the 40-year amortization.
For more information on First Time Homebuyer Programs, click here
Call my office now to find out how much you qualify for. If you are not a first time homebuyer and would like more information on your mortgage financing options, we are happy to help.
Please Call 604 649-5991
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
________________________________________
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copywrite © 2008
REFINANCING RATES or
NEW HOME PURCHASE
2.99 % 5 Year Fixed Rate
3.89% 10 Year Fixed Rate
All rates quoted are on approved credit.
This is actually an opportune time to take advantage of the historical low mortgage rates and negotiate better prices on housing, especially in the condo/townhome market. While many feared this market would be the most negatively affected, take a look at these numbers to help put it in perspective:
2007 40 years of amortization (the longest you could get at the time) at an average interest rate of 5.71% - $350,000 = $1,831* would have been your monthly mortgage payment.
2012 25 years of amortization at an average interest rate of 3.29% - $350,000 = $1,704* monthly mortgage payment.
Right away, you'll notice a truly substantial savings in that you'll pay your mortgage off 15 years earlier and approximately $330,000 in interest that would have developed over the 40-year amortization.
For more information on First Time Homebuyer Programs, click here
Call my office now to find out how much you qualify for. If you are not a first time homebuyer and would like more information on your mortgage financing options, we are happy to help.
Please Call 604 649-5991
Warm Regards,
Jared Dreyer - Dreyer Group Mortgage Team
Your Mortgage Professionals
604 649-5991
1-800-687-9020
www.dreyergroup.ca
clientservices@dreyergroup.ca
________________________________________
About Dreyer Group Smiles
Dreyer Group Smiles is a program dedicated to giving to facilities that provide safe and transitional housing to children and youth. By providing funds to these programs, Dreyer Group will make a meaningful difference to kids who otherwise may not have a roof over their heads, or hope for a bright future.
Dreyer Group hopes to expand this effort through their clients and business partners. In addition, they plan to raise additional funds through annual events and corporate fundraising initiatives. Dreyer Group is working closely with the Salvation Army to allocate these funds to the children and shelters.
About Dreyer Group Mortgages, A Member of the VERICO Brokers Network
As a senior mortgage consulting team with extensive experience in the financial services industry and thousands of happy clients, we understand what it takes to build long-term relationships through service and expertise. As an independent brokerage, we are not restricted to one financial institutions mortgage options. We provide the best range of financing solutions by accessing over 40 lenders and hundreds of products coast-to-coast.
Each VERICO member is an independently owned and operated business.
Copywrite © 2008
REFINANCING RATES or
NEW HOME PURCHASE
2.99 % 5 Year Fixed Rate
3.89% 10 Year Fixed Rate
All rates quoted are on approved credit.
Sabtu, 27 Oktober 2012
'It is impossible to manage a [pre-1914] railway by theory" ... or is it?
In the early 1900s the London and South Western Railway (LSWR) was one of five British railway companies that began sending its clerks to the London School of Economics (LSE) to undertake classes in 'railway administration.' The aim of this move was to augment the skills and knowledge of its clerical staff, the company's future managers, in a period when the quality of the railway industry's management was being questioned and it was being challenged by high material and labour costs, competition from trams on suburban routes, increased government intervention and stagnating traffic growth. Indeed, this caused a severe drop in company profitability from the late 1890s onwards.
However, before the First World War the idea of railway employees attending universities to receive management training was not universally accepted within many companies'. Furthermore, this attitude was not restricted to the railways and Amdam argued that historians have almost unanimously concluded that within British industry generally there was a ‘skepticism towards business education within the both the academic and business community’.[1]
This scepticism towards was expressed frequently by LSWR clerks in the company's staff magazine, The South Western Gazette, which was largely written and edited by them. When Hilditch, the Waterloo Station Superintendent, retired in 1905, the piece announcing this stated that he had had ‘a good plain practical education, but he possessed, in addition, what universities have not yet been able to provide, namely, a shrewdness and capacity for sound common sense, a cool head and clear intellectual grasp.'[2] The anti-university feeling was reiterated in 1909 when another clerk, writing on the matter staff education, stated that ' I will dismiss the question of the London School of Economics by saying that “it is impossible to manage a railway by theory.” Indeed, he preferred an institute where individuals could learn 'practical' railway skills.[3]
The problem with this attitude was that it was what had created many of the problems railway management faced immediately after the late 1890s. Indeed, because many senior officials felt that good railway managers were born within the industry, not made outside it, and thus recruited the vast majority internally, companies' decision-makers were highly institutionalised within the practices and norms of the railways that employed them and the industry as a whole. Consequently, railways were unable to respond adequately to the challenges they faced as there was severe lack of innovation within them and few new ideas were being generated. This is what my PhD shows in the LSWR's case.
-----
[1]Amdam, Rolv Petter, ‘Business Education’, in Jones, Geoffrey and Zeitlin, Robert (eds.), The Oxford Handbook of Business History, (Oxford, 2007), p.586
[2] South Western Gazette, September 1905, p.9
[3] South Western Gazette, December 1909, p.10
However, before the First World War the idea of railway employees attending universities to receive management training was not universally accepted within many companies'. Furthermore, this attitude was not restricted to the railways and Amdam argued that historians have almost unanimously concluded that within British industry generally there was a ‘skepticism towards business education within the both the academic and business community’.[1]
This scepticism towards was expressed frequently by LSWR clerks in the company's staff magazine, The South Western Gazette, which was largely written and edited by them. When Hilditch, the Waterloo Station Superintendent, retired in 1905, the piece announcing this stated that he had had ‘a good plain practical education, but he possessed, in addition, what universities have not yet been able to provide, namely, a shrewdness and capacity for sound common sense, a cool head and clear intellectual grasp.'[2] The anti-university feeling was reiterated in 1909 when another clerk, writing on the matter staff education, stated that ' I will dismiss the question of the London School of Economics by saying that “it is impossible to manage a railway by theory.” Indeed, he preferred an institute where individuals could learn 'practical' railway skills.[3]
The problem with this attitude was that it was what had created many of the problems railway management faced immediately after the late 1890s. Indeed, because many senior officials felt that good railway managers were born within the industry, not made outside it, and thus recruited the vast majority internally, companies' decision-makers were highly institutionalised within the practices and norms of the railways that employed them and the industry as a whole. Consequently, railways were unable to respond adequately to the challenges they faced as there was severe lack of innovation within them and few new ideas were being generated. This is what my PhD shows in the LSWR's case.
-----
[1]Amdam, Rolv Petter, ‘Business Education’, in Jones, Geoffrey and Zeitlin, Robert (eds.), The Oxford Handbook of Business History, (Oxford, 2007), p.586
[2] South Western Gazette, September 1905, p.9
[3] South Western Gazette, December 1909, p.10
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