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Canada: Finance, Real Estate, Insurance, Immigration

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За последние 60 дней ни разу не выходила


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

Автор
Михаил Арбетов

Статистика

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Canada: Finance, Real Estate, Insurance, Immigration:#21 Positions in British Columbia for Work Permit


Dear readers,

Today we get to know about:

1.3 Reasons to consider a 1O year mortgage term

2.Positions in British Columbia for Work Permit/PNP

3.Food Counter Attendants wanted

4.Super Visa is Good News for Many

3 Reasons to consider a 1O year mortgage term – Elana Rendell, Mortgage Specialist

The 10-year fixed-rate mortgage has generated renewed interest lately as borrowers look to lock in for the long term and enjoy the security and peace of mind this brings.

With mortgage rates at all-time lows, it turns out that fashion isn’t the only thing that comes back into style! In fact, 10-year fixed mortgage rates have never looked so tempting.

Following are three key reasons to consider a 10-year mortgage term:

1. After five years, you only have to pay three months’ interest to get out of the mortgage. This is currently the lowest penalty available for a fixed rate – much more attractive than facing a much higher interest rate differential (IRD) penalty!

2. If you’re on a fixed income, taking advantage of a longer term fixed-rate mortgage can definitely be beneficial. Currently, with our historically low interest rates, a five-year fixed rate is around 3.29% and 10-year is around 3.89%. So, if after five years rates have risen to 4.6% or higher (which is very likely), you would have been ahead taking the current 10-year at 3.89%. Instead of guessing how much longer rates will remain at historic lows, if you’re on a fixed income, you know you’ll be paying the same rate for 10 years.

And, chances are, after 10 years are up, you’ll be in better shape financially and have more equity in your home.

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3. You don’t need the equity out of your home for your next purchase as you can buy again with a 5% down payment. For instance, if you purchase with 5% down, your property would have to go up more than 25% for you to get equity to use as a down payment for a second home, which is not likely in five years. But, you can turn your current condo into a rental and buy your next home with 5% down (with a combination of savings or a gift). Rental mortgages usually require a 20% down payment, whereas primary residences typically require just 5% down. Purchasing a condo to live in until you’re ready to buy another home, and then renting out the condo, is a great way to become a real estate investor without having to come up with a 20% down payment.

The return of the solid 10-year means you have options. It may not be the best option for everyone, and the market may change in a few months to make it less attractive. Let me show you how all the products apply to your specific situation to ensure you receive the best product and rate to meet your unique needs.

As always, if you have questions about mortgage terms, or other mortgage-related questions, I’m here to help

Call Elana @ 604-809-3202

Buying a house – DONT GO TO the bank

Click here for more from Metro.

Elana Rendell, AMP

 

Positions in British Columbia for Work Permit/PNP


Jobs in British ColumbiaEmployers in British Columbia are looking to hire applicants for the following positions:
Restaurant/Food Service Supervisor, Food Counter Attendant, Kitchen Helper, Long Haul Truck Driver, Light Duty Cleaner, Tile Setter, Bricklayer
____________
Terms of Employment: Permanent, Full Time
Salary: Average, as per region and position
Education: Not applicable
Experience: Not necessarily required
Languages: Moderate English
Other languages: Light Duty Cleaners must also speak Tagalog
Other details: Some employers have LMO’s approved and need applicants to start working ASAP.
Locations include: Vancouver, Surrey, Richmond, Duncan, Victoria… and more
Applicants must be in Canada as students, on Work & Study program, Temporary Foreign Workers, with Open Work Permit or as visitors.
____________
Visa assistance will be provided by Regulated Canadian Immigration Consultant.
Please apply by email and send resume (with photo) to: vibcjobscanada@gmail.com

Food Counter Attendants wanted


Restaurants and StoresRestaurants and Stores in Alberta are looking to hire applicants for Food Counter Attendant and some other positions.
_________
Terms of Employment: Permanent, Full Time
Salary: Average, as per region and position
Education: Not applicable
Experience: Not necessarily required
Languages: Moderate English
Other details: Many employers have LMO’s approved and need applicants to start working ASAP.
Applicants must be in Canada as students, on Work & Study program, Temporary Foreign Workers, with Open Work Permit or as visitors.
_________
Visa assistance will be provided by Regulated Canadian Immigration Consultant.
Please apply by email and send resume (with photo) to: vibcjobscanada@gmail.com

Super Visa is Good News for Many

Those of us with parents oversees can finally rejoice!
The new Super Visa was announced 5 months ago and many Canadians have jumped on the opportunity to invite their parents or grandparents to come visit them in Canada and stay for up to 2 years. The Government of Canada estimates that the time to process Super Visa is about 8 weeks, unlike the previous sponsorship applications, which took over 6 years. Also, unlike the regular visitor’s visa, parents of permanent residents and Canadian citizens receive a 10 year visa and can remain in Canada for up to 2 years at a time, without the need to renew.
In this article, we will try to shed some light and answer some of the common questions about the Super Visa process.

1. How to apply?
In order to apply for the parent and grandparent Super Visa you will need to submit the Application for a Temporary Resident Visa, which can be found online, to a visa office and provide documents to support your application.


2. What documents must be included with the application for the Super Visa?

∙ A valid travel document 
∙ Two recent passport photographs of each family member. Make sure these photographs meet the requirements
∙ Application fee ($150 for multiple entry visa or $75 for a single entry visa) 
∙ You must provide proof that your parents/grandparents have enough money for their visit to Canada
∙ Evidence of the parent or grandparent relationship to the Canadian citizen or permanent resident they wish to visit
∙ A letter of invitation from the child or grandchild that includes arrangements for care and support and indicates the number of people residing in their household in Canada 
∙ Proof from you that you and your family meet the Low Income Cut-Off 
∙ Proof of private medical insurance for the parents, valid for aminimum of one year from a Canadian insurance company.

Read Next->

 

Financial Planner Michael Arbetov, CFP, FMA

Gold & Silver in Canada

April 14, 2012

Item Buys at Sells at Buys at (USD) Sells at (USD)
1 OZ GOLD BAR $1,646.00 $1,693.00 $1,647.00 $1,691.00
5 OZ GOLD BAR $8,220.00 $8,443.00 $8,227.00 $8,437.00
10 OZ GOLD BAR $16,420.00 $16,865.00 $16,434.00 $16,854.00
1 KILO GOLD BAR (32.15 TROY OZ.) $52,691.00 $53,932.00 $52,736.00 $53,897.00
1 OZ GOLD MAPLE LEAF .9999 $1,653.00 $1,718.00 $1,654.00 $1,716.00
1/2 OZ GOLD MAPLE LEAF $840.00 $896.00 $841.00 $896.00
1/4 OZ GOLD MAPLE LEAF $424.00 $456.00 $425.00 $456.00
1/10 OZ GOLD MAPLE LEAF $173.00 $191.00 $173.00 $191.00
1/20 OZ GOLD MAPLE LEAF $87.00 $112.00 $87.00 $112.00
1 OZ SILVER MAPLE LEAF $32.31 $34.91 $32.34 $34.89
1 OZ SILVER MAPLE LEAF (50+ COINS) $32.31 $34.71 $32.34 $34.69
1 OZ SILVER MAPLE LEAF (500+ COINS) $32.31 $34.51 $32.34 $34.49
1 OZ SILVER BAR / ROUND $31.46 $33.86 $31.49 $33.84
10 OZ SILVER BAR $315.00 $337.00 $315.00 $336.00
50 OZ SILVER BAR $1,573.00 $1,668.00 $1,574.00 $1,667.00
100 OZ SILVER BAR $3,146.00 $3,306.00 $3,149.00 $3,304.00
1 OZ PLATINUM BAR $1,555.00 $1,647.00 $1,556.00 $1,646.00
1 OZ PLATINUM MAPLE LEAF $1,595.00 $1,696.00 $1,597.00 $1,694.00

 

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. 
Best Dental Insurance blog helps you to find proper advice how to get the best appropriate dental coverage for your family and you. 

Insurance for Super Visa and for visitors to Canada

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