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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:#28 Selecting your Best Mortgage Term


Dear readers,

Today we get to know about:

1.Life Insurance: Planning For future by Henry Kruz

2.Selecting your Best Mortgage Term – by Elana Rendell AMP

3.Job Opportunities for Insurance Agents in Canada

4.Super Visa is Good News for Many

Video content:

Immigration to Canada Provincial Nomination Program
Super Visa Visitors Canada Medical Insurance
 Сrisis 2008 Vancouver, Canada
RESP savings plans for their children's education
An insurance agent in Vancouver, British Columbia

Life Insurance: Planning For future by Henry Kruz

The people who most sincerely pray about our well being are our life insurance agents. As they don’t want you to depart before your full term on the earth . It feels really nice to know in the modern insensitive world, there is someone who is so much concerned about our well being. In a more serious vein, let us discuss the need and the consideration that we must look into while we go for an insurance cover.

To harp about the benefits of life insurance all over again wouldn’t serve any purpose because everyone reading this article must be serious about getting his life insured. However, we must understand that there are certain points that you must keep in view before taking any life insurance policy. First, you must not get swayed by the fascinating life insurance schemes that promise to take care of your future and secure the future of your family by offering you these schemes in a very alluring manner. Remember, you should take these insurances only when you have gone through each and every detail about the policy, else it wouldn’t helpful in a great manner.

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

Super Visa Canada Medical Insurance

Canada Dental Insurance

Then you must get your insurance done through a credible source that should be trustworthy and reliable. So, you must make sure of the outlet that will give you the required benefit in a better way. Regardless of how much cash you have and how much savings have you done, if you think that you have dependents in your family who are your responsibility, then you must get your life insurance done as that wouldn’t be a temptation to you , as the amount is being safely guarded by agents.

It is also recommended that if you want to get a cover for your life, then there is no need to wait and brood over the matter as your age and your health act as a major factor in determining your premium and the value of your policy. Remember, your health level is directly proportional to the figure of your premium. Also, you must decide clearly as to who should inherit your insurance amount as well.

Therefore, life insurance schemes are helpful for us and they guide us in planning about our future.

Life Insurance Shopping

 

Selecting your Best Mortgage Term – by Elana Rendell AMP

Choosing the mortgage term that’s right for you can be a challenging proposition for even the savviest of homebuyers, as terms typically range from six months up to 10 years.

By understanding mortgage terms and what they mean in dollars and sense, you can save the most money and choose the term that is best suited to your specific needs.

The first consideration when comparing various mortgage terms is to understand that a longer term generally means a higher corresponding interest rate. And, a shorter term generally means a lower corresponding interest rate. While this generalization may lead you to believe that a shorter term is always the preferred option, this isn’t always the case. Sometimes there are other factors – either in the financial markets or in your own life – that you’ll also have to take into consideration when selecting the length of your mortgage term.

If paying your mortgage each month places you close to the financial edge of your comfort zone, you may want to opt for a longer mortgage term, such as five or 10 years, so that you can ensure that you’ll be able to afford your mortgage payments should interest rates increase.

By the end of a five- or 10-year mortgage term, most buyers are in a better financial situation, have a lower outstanding principal balance and, should interest rates have risen throughout the course of your term, you will be able to afford higher mortgage payments.

If you’re shopping for a mortgage for an investment property, you’ll likely want to consider choosing a longer mortgage term – depending, of course, on your overall plan. This will allow you to know that the mortgage payments on the property will be steady for a long time and enable you to more accurately project your future income from the property.

As well, if you know you will not be staying in the same home for the next five or 10 years, opting for a shorter term can save you significant fees when it comes to early payout penalties.

Choosing the right mortgage term is a unique decision for each individual. By understanding your personal financial situation and your tolerance for risk, I can assist you in choosing the mortgage term that will work best for your situation.

As always, if you have any questions about mortgage terms or your mortgage in general, I’m here to help!

Today’s LOW rates: 3.19% 5 year fixed, 3 year fixed 2.89% – variable rate 2.65 – some conditions apply, OAC

Bank of Canada held the overnight rate steady today @ 1%, no rate hikes are expected for the rest of the year.

Call Elana today, @ 604-809-3202 or visit her website @ www.elanarendell.com


Job Opportunities for Insurance Agents in Canada

Visit Job Opportunities in Various Sectors in Canada

Job in VancouverThe president of Arbetov Insurance and Wealth Management Inc. Company Michael Arbetov offers a job opportunity in British Columbia to all insurance agents with a possibility to extend their services to other Canadian provinces. I will help you to prepare for the exam, provide training and assist in finding your new clients. My agency deals with individual insurances only (excluding car, housing etc. insurances). An Insurance Agent in Canada deals not only insurance packages but investment products as well. There are plenty of job opportunities. You are welcome to visit since there is a job for everyone. What are the advantages of working with Arbetov Insurance and Wealth Management Inc. Company compared with other brokerage companies?

work as an insurance agentWhile helping you to prepare for the exam I will also conduct training seminar. During the process of training you will gain all the knowledge and experience required in regards with attracting new clients and establishing your own business. You will also participate in meetings with clients and interact with insurance and financial companies.
Some facts you need to know.
As per 2008, the average age of an insurance agent in Canada is 58 years old. There are two reasons behind it:

  1. Complex and data rich insurance products. As a rule, 50% of those who write the exam to become an insurance agent for the first time fail.
  2. It is hard to attract new clients. Approximately 80% of insurance agents quit during the first two years. (That is why potential clients are trying to avoid dealing with new insurance agents. If the insurance agents are to quit, who would be responsible for the terms of the acquired insurance policy?) And just recently a new law put a ban on unwanted phone calls, thus further complicating the matters.

Here is a limited list of financial and insurance products that insurance consultants can offer to their clients:

training insurance agentsInsurance products:

All listed insurance products can be in an individual as well as in a group form.

Read next ->

© Michael Arbetov
http://arbetov.ca/investing-thinking-aloud

Gold & Silver in Canada

September 21, 2012

Item Buys CAD Sells CAD Buys US Sells US
1 OZ GOLD BAR 
(1 – 9 BARS)		 $1,717.00 $1,770.00 $1,761.00 $1,810.00
1 OZ GOLD BAR 
(10 – 49 BARS)		 $1,717.00 $1,766.00 $1,761.00 $1,806.00
1 OZ GOLD BAR 
(50 – 99 BARS)		 $1,717.00 $1,764.00 $1,761.00 $1,804.00
1 OZ GOLD BAR 
(100+ BARS)		 $1,717.00 $1,762.00 $1,761.00 $1,802.00
5 OZ GOLD BAR 
(1 – 19 BARS)		 $8,577.00 $8,804.00 $8,793.00 $9,003.00
5 OZ GOLD BAR 
(20+ BARS)		 $8,577.00 $8,794.00 $8,793.00 $8,993.00
10 OZ GOLD BAR
(1 – 9 BARS)		 $17,134.00 $17,588.00 $17,566.00 $17,986.00
10 OZ GOLD BAR
(10+ BARS)		 $17,134.00 $17,569.00 $17,566.00 $17,966.00
20 OZ GOLD BAR
(1 – 4 BARS)		 $34,209.00 $35,001.00 $35,072.00 $35,792.00
20 OZ GOLD BAR
(5+ BARS)		 $34,209.00 $34,961.00 $35,072.00 $35,752.00
1 KILO GOLD BAR (32.15 TROY OZ.) $54,991.00 $56,263.00 $56,378.00 $57,535.00
1 KILO GOLD BAR 
(5+ BARS)		 $54,991.00 $56,201.00 $56,378.00 $57,471.00
1 OZ GOLD MAPLE – .9999 (1-9 COINS) $1,724.00 $1,793.00 $1,768.00 $1,834.00
1 OZ GOLD MAPLE
(10 – 49 COINS)		 $1,724.00 $1,788.00 $1,768.00 $1,828.00
1 OZ GOLD MAPLE 
(50 – 99 COINS)		 $1,724.00 $1,786.00 $1,768.00 $1,826.00
1 OZ GOLD MAPLE (100+ COINS) $1,724.00 $1,784.00 $1,768.00 $1,825.00
1/2 OZ GOLD 
MAPLE		 $876.00 $936.00 $899.00 $957.00
1/4 OZ GOLD 
MAPLE		 $443.00 $476.00 $454.00 $487.00
1/10 OZ GOLD MAPLE $180.00 $199.00 $185.00 $204.00
1/20 OZ GOLD MAPLE $90.00 $117.00 $93.00 $120.00
1 OZ GOLD MAPLE 
.99999 RCMP		 $1,729.00 $1,824.00 $1,773.00 $1,865.00
1 OZ GOLD MAPLE DAMAGED / .999 $1,703.00 $0.00 $1,746.00 $0.00
1 OZ SILVER MAPLE (1 – 49 COINS) $34.66 $36.94 $35.53 $37.78
1 OZ SILVER MAPLE (50 – 499 COINS) $34.66 $36.75 $35.53 $37.58
1 OZ SILVER MAPLE (500-2,999 COINS) $34.66 $36.55 $35.53 $37.38
1 OZ SILVER MAPLE (3,000+ COINS) $34.66 $36.36 $35.53 $37.18
1 OZ SILVER MAPLE ANTELOPE (2013) $34.66 $38.66 $35.53 $39.53
1 OZ SILVER MAPLE MOOSE (2012) $34.66 $38.66 $35.53 $39.53
1 OZ SILVER MAPLE COUGAR (2012) $34.66 $38.66 $35.53 $39.53
1 OZ SILVER ROUND (1 – 99 ROUNDS) $33.83 $36.21 $34.68 $37.03
1 OZ SILVER ROUND (100 – 499 RNDS) $33.83 $35.97 $34.68 $36.78
1 OZ SILVER ROUND (500+ ROUNDS) $33.83 $35.72 $34.68 $36.53
10 OZ SILVER BAR 
(1 – 9 BARS)		 $338.00 $360.00 $347.00 $368.00
10 OZ SILVER BAR 
(10 – 99 BARS)		 $338.00 $358.00 $347.00 $366.00
10 OZ SILVER BAR (100+ BARS) $338.00 $355.00 $347.00 $363.00
50 OZ SILVER BAR $1,691.00 $1,786.00 $1,734.00 $1,826.00
100 OZ SILVER BAR 
(1 – 9 BARS)		 $3,383.00 $3,543.00 $3,468.00 $3,623.00
100 OZ SILVER BAR (10 – 49 BARS) $3,383.00 $3,518.00 $3,468.00 $3,598.00
100 OZ SILVER BAR (50+ BARS) $3,383.00 $3,499.00 $3,468.00 $3,578.00
1 OZ PLATINUM 
BAR		 $1,568.00 $1,660.00 $1,608.00 $1,698.00
1 OZ PLATINUM MAPLE $1,609.00 $1,711.00 $1,649.00 $1,750.00

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

Business sites(catalogs):

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