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Archive for the tag “caring”

Do you know what image of you people preceive you to be?.

Interesting facts about image consulting:

    • Many men and women do not know what style of clothes or colours suit them best.
    • Most men and women wear only 20% of their clothes 80% of the time.
      • Most men and women have at least $500 worth of clothes in their wardrobe that they do not wear
    • Most women complain of having nothing to wear with a closet full of clothes.
    • Many women never discover their full potential when it comes to the way they look.
    • Men & women who look good get promoted faster than those who do not.
    • You can have a MAKE-OVER personally designed for you for cheaper than a suit and resolve these dilemmas forever.

By: Afshin noohi

www.findrichmondhillhomes.com

Your Mobility Needs In the Home

Premier Mobility and Health Products in Richmond Hill currently services the home and health care industry. We specialize in providing mobility alternatives to clients with various limitations. Our large showroom allows customers the opportunity to view and test products including a variety of mobility options. Our trained sales representatives will provide a needs assessment and help you determine what products will best meet your individual needs. We offer a wide range of items including power operated vehicles (scooters), wheel chairs, stairlifts/ramps, lift chairs/recliners, hospital beds, canes/crutches and walkers. We are conveniently located at 50 West Pearce Street, Unit #5 at the corner of West Beaver Creek in Richmond Hill, Ontario. Private in-home consultations are available if you are unable to visit our showroom.

Premier Mobility and Health Care Products

Contact: Terrilynne Young
www.premiermobility.ca
t.young@premiermobility.ca

50 West Pearce – Unit 5
Richmond Hill, ON L4B 1C5

Phone: 416-272-8339
289-803-2529
Fax: 289-803-2528

Blog By: Afshin Noohi             

Enjoy and Relax at Moments of Joy Yoga & Health Center

Moments of Joy

Hello, my name is Yvonne Connell, owner of Moments of Joy – yoga and Health Center in Richmond Hill.  I am a Homeopath, Certified Aromatherapist, and Kundalini Yoga teacher with a specialty in Yoga for Addictions, Yoga for Stress Management and Yoga for Women’s Health (Breast Cancer Support – Kundalini yoga and Health program.) Part of my yoga practice is about giving back to my community. Every month there is a free full moon meditation in Richmond Hill; at the Moments of Joy yoga Center which focuses on sending out healing energy.

One of my passions is sharing and teaching about the healing medicine of essential oils – you can experience these hands-on classes in Richmond Hill; practitioner level and also everyday use to apply oils to green your home; replace toxic products; and clean airborne pollutants or allergic substances. Moments of Joy Kundalini yoga classes uniquely combine Breathing Technique with the essential oils for spiritual and mental health; cancer/addictions and clients with chronic illness can attend these classes; or anyone who is interested in raising positive vibrations for prosperity consciousness. To learn about the Kids Aromatherapy course and other classes – please visit: www.momentsofjoy.org or email Yvonne@momentsofjoy.org

Yvonne Connell

Email: yvonne@momentsofjoy.org Cell: 647 822-YOGA.9642
Moments of Joy Yoga & Health Center Richmond Hill (Bayview & Elgin Mills, L4S 2P2) WEBSITE www.momentsofjoy.org BIO – Homeopath, Certified Aromatherapist, Kundalini Yoga Teacher, Holistic Health Practitioner.

CORE SERVICES:Young Living Essential Oils Training & Workshops.
Essential Oils Consultations.
Kundalini Yoga Classes –  Yoga for Addictions; Family Yoga & Women’s Circle.
PACKAGES: Infrared Sauna Detoxification Package – supported with Homeopathic drainage remedies, mineral & cellular nutrition.
Body Rejuvenation PackageRaindrop Therapy – Pain release and Spinal Re- Alignment Package – on Amethyst Bio-Mat.
Breast Cancer supportInfrared Sauna &  Lymphatic Drainage
Essential Oils & Hot Stone Massage; or Ayurvedic massage.
Blog By: Afshin Noohi   Broker
Direct: 416-722-7772    Office: 905-695-7778
Real Estate consultant in Richmond Hill

Renewing your Mortgage?

Don’t sign the renewal notice for your home in Richmond Hill.  Often your current lender will send you a professionally formatted renewal notice encouraging you to continue your mortgage with them hassle free.  Do not sign this renewal.  9.5 out of 10 times this is not the best rate and other options are available.  Consider the best rate currently of 3.09% in a good case scenario your renewal notice will offer 3.29%.  If your mortgage amount is minimal then this will not make much of a difference.  If your mortgage is sizable, the savings can be thousands over the new term.  More then 70% of those who receive a mortgage renewal notice will complete it, sign it and send it back as is.

You may also want to consider products and options offered by other lenders.  Do you want to use equity in your home for renovations or any other large purchase?  By signing the renewal you are locked into the same amount for a new five year term.  Accessing these funds will require a second mortgage and unnecessary legal fees. 

 At the very least, contact your lender and negotiate a better percentage and conditions if you are happy with their products.  Do not become just another statistic. 

 

Mike Zembowski | Mortgage Agent

Agent Lic #: M12000729

100-10265 Yonge Street | Richmond Hill, ON | L4C 4Y7

mikez@mortgagecentre.com

Tel: 416-726-4681 | 1.888.808.2914 | F: 1.888.601-3009

www.mikezembowski.com

 

 

 

 

 

 

 

 

 

                                                                                         

The Kitchen is The Heart Of The House


The kitchen. Yep, it’s the room that holds the refrigerator, stove, dishwasher   and assorted smaller appliances. But it’s also the center around which the house revolves – a gathering place, communication center, and a warm and cozy room to receive nourishment. As such it must be spotless, sparkling and spacious. Potential home buyers want to feel they can eat off the floor or the tops of appliances even though they would never do it.

While massive kitchen remodeling isn’t a good idea when you’re preparing to put your home on the market, replacing old, inefficient appliances may be a good idea. Not only does this make the kitchen seem updated without a lot of work, but also “new appliances” looks good on the listing.

Make sure your garbage disposal is in good working order. If it doesn’t work properly, have it fixed or replaced. You don’t have one? Have one installed. Many a cook has said that the garbage disposal is the one appliance they must absolutely have in their kitchen!

Check your sink, pipes and faucets for leaks. Replace chipped porcelain or a rusty stainless steel sink. If faucets leak, replace them with an inexpensive set with a simple design. If your faucets are in good condition, this is a good time to replace the washers to keep them from wearing out while your house is on the market.

For heavy duty plumbing issues, call a professional plumber.

Sellers of Real Estate in Richmond Hill need to “lighten up” when preparing their kitchens for the onslaught of potential buyers. At the very least, clean the walls until they sparkle by scrubbing them with detergent and a sponge. However, spending some extra money on a light shade of paint will make the room look fresh and clean. Paint the walls and trim. If your cabinets are dark and out of style, paint them, too. Go with neutral colors like beige or white because they make the room look bigger and brighter.

Keep rooms bright with natural sunlight and light fixtures. Keep windows clean and curtains open. Install lights over counters, food preparation areas and the stove. This is a convenient time to reset the stove clock, too. Replace light bulbs in existing fixtures and increase wattage if necessary. Allow maximum light to shine by cleaning anything the light shines through – domes, shades, chandeliers, etc.

Adding new accents instead of making major changes will save time and money. New handles on cabinets and drawers will complete their updated look. Ditch dark window treatments and replace them with an inexpensive, airy-looking valance in a pale color. If flooring is damaged and must be replaced, opt for a simple pattern no-wax floor or neutral tile. The idea is to get the most

mileage out of fewer dollars.

When the basics are completed, invest in good cleaning supplies and scrub every inch of that kitchen like it’s never been scrubbed in the house’s history. Remove magnets and everything else from the refrigerator door. In fact, clean out the inside as well. Use a sponge and antibacterial cleaner to scrub dirt, grease and food particles from the surfaces. Unless you have a self-cleaning oven, use oven cleaner to make the oven spotless inside, including the door.

Use antibacterial cleaner to clean the stovetop and any other spot you can reach. Clear off all counters in order to clean and disinfect them. Replace only the items you use every day and limit them to three.

Remember to clean small appliances before returning them to the counter or cupboard. Everything else should be packed away and stored.

If your kitchen also serves as “command central” for the family, be sure to take care of this area as well. Clean the phone with antibacterial cleaner and a paper towel. Remove outdated notes from the bulletin board or remove the entire board and store it in a closet. Sort through items in the mail organizer and throw out as much as possible and file everything else. If you can do without the organizer for awhile, clean out the letters and store it with the bulletin board. If there’s an alternate space to locate your command central, then do so. This will make the kitchen area look more organized and functional.

As long as your house is open to prospective buyers, be extra careful to keep the kitchen free of dirt and clutter. Wash and put away dishes, pots and pans after each meal.

Never, ever leave dirty dishes in the sink for others to see. Clean and store small appliances, such as food choppers, immediately after each use. Be sure to wipe down the counters and sink following each meal.

Sweep the floor daily and wipe up any spilled food as soon as it hits the tile. Give the floor a good mopping at least once a week or whenever it looks less than spotless. Keep the towel and dish cloth clean and hanging on rails. If the kitchen is put back into top shape after each use then it will eliminate frantic, last-minute efforts to clean leftover messes.

Just before prospective buyers arrive to look at the house, double-check the details. Have you turned on all the lights? Are the towels clean and hanging on a rail? Do you need to give the faucets a quick wipe? Does the garbage need to be taken outside? Everything is ready? Light a gingerbread-smelling candle, put on some soft music and wait for the doorbell to ring.

Afshin Noohi,   Broker

Direct: 416-722-7772 Office: 416-391-3232
Right At Home Realty Inc., Brokerage

Get all the facts you need for buying or selling your home

in Richmond Hill check: www.FindRichmondhillHomes.com
twitter:http//twitter.com/afshinre
http://www.facebook.com/LivingInRichmondHill

To Buy Or Sell First?

If you are considering looking for a new house, or any Real Estate in Richmond Hill and are a current home-owner, then chances are you’re wondering what your strategy should be:  do you wait to find the perfect new home before you put your current home on the market, or do you sell first and then look around?  You have a few options.  Use the following as a guide to explore what might be the best move for you.

 

 

There are several benefits to selling your current house before searching for your next home.  First of all, once you have sold your house, you will know precisely how much money you have to work with.  With a concrete price range, you’ll be able to narrow the pool of houses before you begin looking, and negotiate accordingly.  This will allow you to immediately make firm offers on houses that you are serious about purchasing.

You can be first in line with an unconditional offer you know you can afford, and this will grant even further negotiating leverage as Sellers tend to take unconditional offers more seriously.  When they counter or turn down an offer that’s conditional on the sale of a home, they usually think the Buyer will come back with a better and more firm offer once they have sold their current home.

However, if you make an unconditional offer, the Seller will usually give you more consideration, as they realize you’re probably looking at other properties and will move on if your offer is rejected.  Likewise, if you have already sold you house, you probably do have a wider opportunity to look around, negotiate, and find the best deal and fit for you and your family.

The flip side of this scenario, however, is that if you don’t find the right property before the closing date of the house you’ve already sold, you may have to look for temporary housing until you do find what you’re looking for.

So, before you opt to sell first, you should determine whether you have alternate, temporary options, in case you have to move from your house before you’ve found a new one. How would you and your family deal with living in a transition home for an undetermined period of time?

 

 

Buying a new house without having sold your current home may occur if you are interested in a specific property and will only sell your current home if this property comes on the market.  It may be a matter of timing—purchasing a home before it’s too late.  The same might be said of a property you haven’t had you eye on previously, but that catches your attention due to its uniqueness or unbelievable price.  If buying first means you don’t miss out on the real estate opportunity of a lifetime, it may be the best move.

However, be careful. If you buy another property and aren’t able to sell your current home quickly enough, you could end up having to finance both homes and shoulder the extra debt until you sell.  You can get a financial appraisal or market evaluation of a home prior to selling, but this doesn’t guarantee the price you’ll ultimately receive for the home after the negotiation process has run its course.  Since your selling price will be an unknown, jumping into a purchase could be a gamble, particularly if your budget is tight.

Make sure you’re familiar with all aspects of the financial reality this scenario would create before you purchase another home.  You may be faced with owning two homes at once.  What type of financial stress would this bring to your life and how would you deal with it?  Consider the fact that if your current house doesn’t sell quickly enough, you may be forced to sell it off at a reduced price in order align the closing dates of your two properties.  What effect would this have on your financial situation?

 

 

An additional option involves making your offer to purchase conditional upon the sale of your current property within a specified period.  Conditional offers usually include a clause that allows for the Sellers to keep their property on the market and remain open to other offers while you try to sell your home.  If the Sellers receive another attractive offer before you’ve sold your home, they may accept and ask you to either remove your condition and firm up your offer, or to back down from the offer.  A conditional offer forms a kind of middle ground, an area of compromise, for those who are afraid to sell or buy first—but doesn’t hold the advantages of the other two options.

 

One of the drawbacks of the conditional offer is that Sellers tend to take them less seriously.  They definitely give stronger consideration to firm offers.  This leaves you with less negotiating power.  In fact, some Sellers will simply turn down or counter a conditional offer.  Other Sellers will believe the Buyer will come back with a more serious offer when their home has sold.  So, you may end up having to increase your offer in order to have your conditional offer accepted and keep your foot in the door of your desired house.

Even if your conditional offer is accepted, there is no guarantee another Buyer won’t step in and overthrow your offer before you have sold your current home, which would put you back at the starting line.  Also, consider the fact that you cannot withdraw your conditional offer until the end of the period specified in the contract—which means that if a better deal comes along, you will have to wait to jump at it.

 

 

Afshin Noohi,   Broker

 Direct: 416-722-7772

Office: 416-391-3232
Right At Home Realty Inc., Brokerage

Get all the facts you need for buying or selling your home

in Richmond Hill check: www.FindRichmondhillHomes.com


twitter:  http//twitter.com/FindRHHomes

Renting vs. Buying in Richmond Hill

If you’re deciding whether to rent or buy a home in Richmond Hill, consider this information prepared by Mike Zembowski, our Mortgage Broker expert:

Paying rent for your principle residence versus owning?  Ever dollar you   spend in rent is gone.  When you own, you are paying more per month, however a large portion is your principle payment and you are actually paying yourself.   Consider the following scenario, a condo or house bought  say in Richmond Hill with $20,000.00 down payment and a small appreciation of 2% per year lower then the national average;

If you buy for $395,476.58 (the maximum you would qualify for) you will pay down your starting mortgage amount by $54,601.14 over 5 year(s) with your principal and interest payments of $1775.00 per month, plus your property will increase in value by $41,161.52 for a total investment growth of $95,762.66.

The profit you make from the appreciation of your principle residence is completely tax free income.  The appreciation of your principle residence is the one break your government offers to every citizen for building wealth. 

You have a right to own property.  If you make $95,762.66 buying stocks expect to pay 15% – 20% in taxes. This principle residence going up in value is actually like making over $114,000.00 in the stock market over five years.  Your house is your home, a place to live and raise your family, but make no mistake it is also an investment.

 

Mike Zembowski

Mortgage Agent, Lic. M12000729

(416) 907 – 6058 x 105

www.mikezembowski.com

 

 

Afshin Noohi, Broker

Direct: 416-722-7772

Office: 416-391-3232

Right At Home Realty Inc., Brokerage

Get all the facts you need for buying or selling your home

in Richmond Hill check: www.FindRichmondhillHomes.com

twitter: http//twitter.com/findRHHome
face book fan page: Real Estate Property Prices

 

Mortgage Rule Changes

Mortgage Rule Changes Affecting Your Home In Richmond Hill

July, 2012 — The Government has announced four measures for new government-backed insured mortgages with loan-to-value ratios of more than 80 per cent:

· Reduce the maximum amortization period to 25 years from 30 years. This will reduce the total interest payments Canadian families make on their mortgages, helping them build up equity in their homes more quickly and pay off their mortgages sooner. The maximum amortization period was set at 35 years in 2008 and further reduced to 30 years in 2011.

· Lower the maximum amount Canadians can borrow when refinancing to 80 per cent from 85 per cent of the value of their homes. This will promote saving through home ownership and encourage homeowners to prudently manage borrowings against their homes.

· Fix the maximum gross debt service ratio at 39 per cent and the maximum total debt service ratio at 44 per cent. This will better protect Canadian households that may be vulnerable to economic shocks or an increase in interest rates.

· Limit the availability of government-backed insured mortgages to homes with a purchase price of less than $1 million.

The new rules will take effect on July 9, 2012.

What does this mean for people living in Richmond hill or people looking to find a home in Richmond Hill read below…..

 
Q. Why is the Government making these changes at this time?

A. These measures will support the long-term stability of the Canadian housing and mortgage markets and promote savings through home ownership. They are intended to be timely, targeted and measured. The measures will reinforce the importance of borrowing responsibly and using home ownership as a savings vehicle. The Government actively monitors developments in the housing market and is committed to taking action when necessary.

Q. What will be the impacts of the adjustments to the rules for government-backed mortgage insurance on the Canadian economy?

A. The adjustments to the rules for government-backed mortgage insurance will provide significant benefits to the Canadian economy by supporting the stability of the housing market and promoting savings through home ownership. The short-term impact on the housing market is expected to be manageable, given that the majority of Canadian families are already taking a prudent approach in managing household debts. In the long term, these measures are expected to have a positive impact on the economy through higher savings and a lower number of financially vulnerable households.


Q. Why is the Government lowering the maximum amortization period again?

A. The new measure announced will reduce the maximum amortization period to 25 years from 30 years. Limiting the maximum amortization period will reduce the total interest payments Canadian families make on their mortgages, helping them build up equity in their homes more quickly and pay off their mortgages sooner.

Q. Why is the Government limiting the maximum gross debt service (GDS) and total debt service (TDS) ratios?

A. The GDS ratio is the share of the borrower’s gross household income that is needed to pay for home-related expenses, such as mortgage payments, property taxes and heating expenses. The TDS ratio is the share of the borrower’s gross income that is needed to pay for home-related expenses and all other debt obligations, such as credit cards and car loans.

The new measure announced today will set the maximum GDS ratio at 39 per cent and reduce the maximum TDS ratio to 44 per cent. These debt service ratios measure the share of a household’s income that is required to cover payments associated with servicing debt. Both measures are already used by lenders and mortgage insurers to assess a borrower’s ability to pay. Setting a GDS limit and reducing the TDS limit will help prevent Canadian households from getting overextended and reduce the number of households vulnerable to economic shocks or an increase in interest rates.

Q. I already have an insured mortgage. How will these changes affect me?

A. Mortgage insurance is good for the life of the mortgage. Borrowers renewing their insured mortgages will not be affected by these changes. For example, if a borrower had a 30-year amortization and there are 27 years remaining on the mortgage, the mortgage can be renewed with a 27-year amortization, as long as no new funds are being added to the mortgage.

Q. What is required to qualify for an exception to the new parameters?

A. The new measures will apply as of July 9, 2012. Exceptions will be made to satisfy a binding purchase and sale, financing or refinancing agreement where a mortgage insurance application has been made before July 9, 2012. While the changes come into force on July 9, 2012, any mortgage insurance applications received after June 21, 2012 and before July 9, 2012 that do not conform to the measures announced today must be funded by December 31, 2012.

Q. Will a purchase and sale agreement dated prior to July 9, 2012 be considered binding if there are outstanding conditions that have not been fulfilled prior to July 9, 2012?

A. Yes, if the date on the purchase and sale agreement is earlier than July 9, 2012, and a mortgage insurance application has been made prior to that date, the new parameters will not apply, even if the conditions of the agreement have not been waived.

Q. Will the new refinancing rules allow a borrower with a mortgage above 80 per cent loan-to-value (LTV) to refinance by extending the amortization period?

A. No. Effective July 9, 2012, borrowers will not be permitted to refinance a mortgage above an 80 per cent LTV, unless the borrower has a binding refinance agreement dated prior to July 9, 2012, and a mortgage insurance agreement has been made prior to that date.

Q. I have a written mortgage pre-approval from a lender, dated before July 9, 2012 with a 30-year amortization. Will I still be eligible for a 30-year amortization if I don’t sign an agreement of purchase and sale until July 9, 2012 or later?

A. No, a mortgage pre-approval without an agreement of purchase and sale is not sufficient to qualify for a 30-year amortization. You may have a 30-year amortization only if your agreement of purchase and sale is dated before July 9, 2012 and you have made a mortgage insurance application before July 9, 2012. You may wish to discuss with your lender to revise your mortgage pre-approval using the new parameters announced today.

Q. Will the new parameters apply to assignment (“switch” or transfer) of a previously insured loan from one approved lender to another?

A. No. As long as the loan amount and amortization period are not increased, the new parameters will not apply to a switch/transfer/assignment of the mortgage to a different lender.

Q. If I sell my Richmond Hill home and buy another, will the new parameters apply if I transfer the outstanding balance of my insured mortgage to the new home?

A. As long as the outstanding balance of the insured loan, the LTV ratio and the remainder of the amortization period are not increased, the new parameters will not apply when the mortgage insurance is transferred from one home to another.

Q. What if I need to increase the amount of my insured loan when I sell my current home and buy another?

A. In this situation, the new parameters will apply for any insured loan.

Q. If I bought a condo in Richmond Hill that is not expected to be built for another two years, will the new parameters apply?

A. If you bought a condo and have made a mortgage insurance application on or before June 21, then the new parameters would not apply.

If you buy a condo and make a mortgage insurance application after June 21, the new parameters will apply if the mortgage loan is not funded by December 31, 2012

If you have additional questions about the new mortgage rules that aren’t answered above or need clarification on any of the new mortgage rules don’t hesitate to have a conversation with Afshin Noohi or email me at markethouseprices@gmail.com

For FREE 2012 Richmond Hill Property Information

Get all the facts you need for buying or selling your home in Richmond Hill … at www.FindRichmondHillHomes.com

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