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Canada: Finance, Real Estate, Insurance, Immigration

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Сайт рассылки: http://arbetov.ca
Открыта: 26-03-2010

Автор
Михаил Арбетов

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Canada: Finance, Real Estate, Insurance, Immigration: Money Transfer


Dear readers,

Today we get to know about:

1.Transfer of Money to Parents to and from Canada

2.Window shopping for a mortgage, 3 questions to always ask

3.Best Available Dental Plans

Transfer of Money to Parents to and from Canada

Life in Canada presents us with some practical questions, for example – how to transfer money from Canada to our relatives in Russia, Ukraine, Kazakhstan or other countries quickly, safely and for moderate fees, or how to transfer money to Canada.

money transferWhat are the ways of transferring money to other countries? We are talking about relatively small amounts ($200 – $1000), which are transferred to parents or other relatives monthly or by-monthly. Many people use Western Union , Money Gram, Bridge services or direct bank transfers (money transfer, wire transfer) to deposit money to the accounts of the receiving parties. In all the instances, banks charge a considerate fee for such services. Monthly fees can come up to $40 – $50. The incurred losses include not only the transfer servicing fee but the differences in currency conversion, which happens when the financial institutions and currency exchange offices establish their own, not necessarily corresponding with the real situation, exchange rate. It is wiser to use ATM system PLUS+, which has spread widely in many countries (including Canada, Russia, Ukraine, Kazakhstan, Belarus, Azerbaijan, Latvia, Lithuania, etc.) Large companies in Russia or Ukraine have already switched from distributing the salaries to the employees to depositing it to their bank accounts. The employees can withdraw the money using ATM. They can also use the same ATM to receive money from you. The sequence of actions is quite simple.

Are you going travel in Canada?
Buy Visitors To Canada Insurance On-line

Canada Dental Insurance


A husband and wife open a join account in Canada and receive 2 bank cards. One of those cards is sent to the addressee (the future recipient of the money transfers). When the recipient receives the card, he or she gets the PIN code, Personal Identification Number, and money is thus deposited to the corresponding account. Your monthly costs will be around $3 – $4, plus additional $3 – $4 for each withdrawal of money. It is possible to avoid the initial monthly $3-4 charges in some banks if the conditions allow maintaining a fixed amount of money on the bank account and, therefore, avoiding the service charges. When withdrawing the money, you will not incur double losses related to conversion of US dollars into the local currency as it happens when using Western Union, or Bridge services. 

More information about transfer money >>

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How not to lose money in FOREX.
Online Currency Exchange American Canadian Dollars Euro Pound Money Transfer

Are you window shopping for a mortgage? 3 questions to always ask



                       Elana Rendell, AMP Mortgage Specialist

WINDOW SHOPPING?  Shopping around to make sure you are getting the best for your overall financial health is crucial. It is important that when you are determining the mortgageprofessional to work with that you ask them some critical questions. A true professional lender MUST know how to answer these questions correctly or it should sound off alarm bells for you!

# 1 – What is the rate you are offering me based on? How is that determined for me?

Your mortgage rate is based on a few different factors including information from your application as well as your negotiation skills. With most mortgage lenders, the information from your application such as: down payment percentage, the ratio between your monthly income to monthly debt payments, loan to value percentage, market area, purpose of the property, and your credit score all go into a formula that determines your mortgage rate. It is then between you and the mortgage lender to haggle or negotiate that rate up or down. Remember, the mortgage lender wants you to take the highest rate possible and you want the lowest. This is where your broker relationship can work on your behalf to negotiate the absolute best for you.

 

Are you going travel in Canada?
 You can do the currency exchange if you follow this link.

# 2 – When and how will you notify me when I can save money on my Mortgage?

Financial Institutions and private mortgage lenders do not have systems in place to notify you when mortgage rates have come down, or when new products are introduced into the market that might save you money. It is in their best interest to keep you paying the highest rate possible, so that they make the most amount of money off you. This is where your broker can really help you out. It is in their best interest to keep you in the lowest rate possible and with the mortgage lender that has the best solution for you.

# 3 – How do today’s market conditions affect a fixed or variable interest rate?...

More information about WINDOW SHOPPING >>

Other articles:

TD Investment Loan Program has been changed
Bank of Canada lowers overnight rate target by 1/4 percentage point to 2 1/4 per cent
Central Banks Announce Coordinated Interest Rate Reductions

Gold & Silver in Canada


Item Buys at Sells at Buys at (USD) Sells at (USD)
1 OZ GOLD BAR $1,724.00 $1,779.00 $1,701.00 $1,752.00
5 OZ GOLD BAR $8,612.00 $8,873.00 $8,493.00 $8,738.00
10 OZ GOLD BAR $17,203.00 $17,726.00 $16,966.00 $17,456.00
1 KILO GOLD BAR (32.15 TROY OZ.) $55,207.00 $56,696.00 $54,446.00 $55,832.00
1 OZ GOLD MAPLE LEAF .9999 $1,731.00 $1,810.00 $1,708.00 $1,782.00
1/2 OZ GOLD MAPLE LEAF $881.00 $940.00 $869.00 $925.00
1/4 OZ GOLD MAPLE LEAF $445.00 $479.00 $439.00 $471.00
1/10 OZ GOLD MAPLE LEAF $181.00 $200.00 $179.00 $197.00
1/20 OZ GOLD MAPLE LEAF $91.00 $117.00 $89.00 $116.00
1 OZ SILVER MAPLE LEAF $34.45 $37.86 $33.98 $37.28
1 OZ SILVER MAPLE LEAF (50+ COINS) $34.45 $37.65 $33.98 $37.08
1 OZ SILVER MAPLE LEAF (500+ COINS) $34.45 $37.45 $33.98 $36.88
1 OZ SILVER BAR / ROUND $33.59 $36.74 $33.13 $36.18
10 OZ SILVER BAR $336.00 $365.00 $331.00 $360.00
50 OZ SILVER BAR $1,680.00 $1,786.00 $1,657.00 $1,759.00
100 OZ SILVER BAR $3,359.00 $3,552.00 $3,313.00 $3,498.00
1 OZ PLATINUM BAR $1,551.00 $1,650.00 $1,530.00 $1,625.00
1 OZ PLATINUM MAPLE LEAF $1,616.00 $1,709.00 $1,594.00 $1,683.00


We recommend to visit websites:

Life insurance Ideas is the best way to get peace of mind. 
Insurance hints help you to save money on life and disability insurance. 
Lowest Insurance Quotes From Top Insurance Companies There are so many ways on how to get low insurance quotes. When you have full access to the internet, you will notice that there are hundreds of sites that offer low business insurance quotes which your company can afford. 
Human-edited web directory Boost Directory. Find the quality websites or blogs in any category. Submit your web sites, blogs or articles to boosting ranking in the search engine result position. Let us grow the business with Boost Directory! 
Best Dental Insurance blog helps you to find proper advice how to get the best appropriate dental coverage for your family and you. 

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