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Canada: Finance, Real Estate, Insurance, Immigration

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

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Михаил Арбетов

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Canada: Finance, Real Estate, Insurance, Immigration:# 19 Have you considered a 50/50 Mortgage?


Dear readers,

Today we get to know about:

1.Have you considered a 50/50 Mortgage? Elana Rendell, AMP

2.Super Visa Medical Insurance

Have you considered a 50/50 Mortgage? Elana Rendell, AMP

 

Hybrid mortgages – also known as 50/50 mortgage products – include an equal mix offixed-rate and variable-rate components within your single mortgage. This means you get the best of both worlds – the security of fixed repayments with the flexibility of a variable rate. Although there was a time in recent years when mortgage expertsconsidered a variable rate mortgage as the obvious choice to save mortgage consumers money over the long term, with fixed rates remaining near historic lows, a 50/50 mortgage may be a great alternative for you.In essence, since it’s extremely difficult to accurately predict rates over the long term, a 50/50 mortgage offers interest rate diversification, which can help reduce your level of risk.If you opt for the 50/50 Balanced Mortgage, half of your mortgage is locked into a five-year fixed rate and half is at a five-year variable rate.You can lock in your variable-rate portion at any time without paying a penalty.

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Canada Dental Insurance

 

   As well, each portion of the 50/50 mortgage operates independently – like two separate mortgages – yet the product is registered as only one collateral charge.The 50/50 mortgage product is well-suited to a variety of borrowers, including those who:
  • Would normally go fully variable but are afraid prime rate is at its bottom
  • Aren’t comfortable being locked into a fully fixed rate
  • Can’t decide between a fixed or variable mortgage
  • Savvy first-time homebuyers

Some features of the 50/50 mortgage include:

  • 20% annual lump-sum pre-payment privileges
  • 20% annual payment increase ability
  • Portability (the option to transfer your existing loan amount to a new property without penalty)

As always, if you have questions about the 50/50 mortgage product and whether it’s right for you, or other mortgage-related questions, I’m here to help! 

 Call 604-809-3202 or visit my website @  

Mortgages Made Easy!

Elana Rendell, AMP
Mortgage Planner
Visit Website
Dominion Lending Centres National Ltd. 

Super Visa Medical Insurance

Super Visa Medical Insurance for parents and grandparents

Finally, the Government of Canada has simplified the way parents and grandparents can visit their family in Canada. All sponsorship applications have been suspended for now and instead replaced with the new Super Visa. It now takes about 4 to 8 weeks to receive the new visa and the it is given for 10 years. The parents or grandparents can stay in Canada for up to 2 years at a time. During this time they are not required to undergo any medical exams nor do they need toextend their visas.

One of the main requirements to apply for the Super Visa is to buy a private Medical Insurancefor a period of at least one year, with coverage of at least $100,000 dollars. It’s important to make sure that the insurance covers hospitalization, health care and repatriation. The insurance must be purchased from a Canadian insurance company only. The proof of insurance needs to be attached to the visa application, as well as presented with each entry to Canada and available for review by a port of entry officer. In other words, if the person visiting Canada doesn’t present his medical insurance from a Canadian company, he can easily be turned away and not allowed in Canada. This new law came into effect on December 1, 2012 and is still subject to changes and modifications.

It’s best not to take any chances and purchase medical insurance long before the actual arrival. This way, the insurance will be effective as soon as you set your foot in Canada and you won’t have to deal with rushed decisions about which company to choose. All this can be done on one of our websites, where we present our clients with the best insurance companies, all of which offer Super Visa medical insurance, as well as insurance for tourists and visitors to Canada.

Our staff members will be happy to assist you in choosing the right plan and help take care of any necessary communication with the insurance companies

Gold & Silver in Canada

February 14, 2012

Item Buys at Sells at Buys at (USD) Sells at (USD)
1 OZ GOLD BAR $1,710.00 $1,756.00 $1,706.00 $1,750.00
5 OZ GOLD BAR $8,539.00 $8,762.00 $8,520.00 $8,730.00
10 OZ GOLD BAR $17,058.00 $17,505.00 $17,021.00 $17,441.00
1 KILO GOLD BAR (32.15 TROY OZ.) $54,740.00 $55,987.00 $54,621.00 $55,782.00
1 OZ GOLD MAPLE LEAF .9999 $1,717.00 $1,788.00 $1,713.00 $1,781.00
1/2 OZ GOLD MAPLE LEAF $873.00 $931.00 $871.00 $927.00
1/4 OZ GOLD MAPLE LEAF $441.00 $474.00 $440.00 $472.00
1/10 OZ GOLD MAPLE LEAF $180.00 $198.00 $179.00 $197.00
1/20 OZ GOLD MAPLE LEAF $90.00 $116.00 $90.00 $116.00
1 OZ SILVER MAPLE LEAF $34.40 $37.21 $34.32 $37.07
1 OZ SILVER MAPLE LEAF (50+ COINS) $34.40 $37.01 $34.32 $36.87
1 OZ SILVER MAPLE LEAF (500+ COINS) $34.40 $36.81 $34.32 $36.67
1 OZ SILVER BAR / ROUND $33.55 $36.15 $33.47 $36.02
10 OZ SILVER BAR $335.00 $360.00 $335.00 $358.00
50 OZ SILVER BAR $1,677.00 $1,783.00 $1,674.00 $1,776.00
100 OZ SILVER BAR $3,355.00 $3,545.00 $3,347.00 $3,532.00
1 OZ PLATINUM BAR $1,614.00 $1,706.00 $1,610.00 $1,700.00
1 OZ PLATINUM MAPLE LEAF $1,655.00 $1,758.00 $1,651.00 $1,752.00

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. 

Business sites(catalogs):

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