Pursuing a degree in any of the fields under the social sciences prepares you for a broad range of jobs. After completing a bachelor’s degree, you can easily look for internship opportunities to complement your formal education. A lot of companies open their doors to new graduates to give them the chance to learn the ropes of different businesses and develop skills that would be beneficial to any trade. (more…)
Humanities covers a broad spectrum of educational fields that deal with the human condition. The learning process for these courses involves the implementation of different techniques like analysis and the application of both critical and speculative thinking. This distinct approach to learning makes it entirely different from the methodologies for the natural sciences which basically involves experimentation. (more…)
If you are looking to buy your first home or condo like I was, or looking to upgrade to larger one to accommodate a growing family, then this post is for you. Maybe you don’t fit either category. Perhaps you’re downsizing or planning for retirement. Either way, if you’re not too familiar with buying a home or condo, this article sounds like it’s calling your name. Buying your first property can be very stressful, and can take a lot out of you, that is, only if you let it.
I was in your shoes not too long ago, and I searched all over the internet for as many articles as I could find, in an attempt to make this new experience come more natural to me, and to avoid any surprises.
I came across Zoocasa in my attempt to find a mortgage calculator, and was surprised to see that they offered section on buying your first home, as well as what to expect. After seeing this, I read all 5 articles they had, laid out in laymen’s terms, and I no longer felt like I was going through this alone. Well my fiancé was there too, but had to act like I was the expert here, women, you know how we are.
Anyways, back on topic, they have an article on how much you plan on spending, down payments, what to be aware of when purchasing, additional costs, and finally, making that offer. Zoocasa even has listings posted for Vaughan real estate, including huge rebates, so if you’re unsure of what area you plan on settling down in, I would check out the properties they have to offer. Remember it never hurts to just look and see what’s out there, and never settle for the first property you look at. Check out others in that area as well as price range for reference as far as what to expect, and what homes of that size are typically going for.
So if you’re discussing this with someone, or even by yourself, I’d highly recommend putting a lot of research in to make this process as comfortable as possible. You can search the web, or you could check the website yourself at http://www.zoocasa.com/en. If you do, I promise you will be able to find the answers to all the questions that have been keeping you up night after night, and you can go into this strong, knowing that you have the knowledge and no one’s going to make a fool out of you or take advantage of you.
I’m glad I came across their site as it really helped ease all the stress I felt was coming at me a once and put the entire thing into a less stressful perspective. Not only that but I was able to sit down with a realtor and I knew and understood what he was saying. I was able to make sense of everything without the need of a Real Estate for Dummies book, so if you haven’t already, check it out, the site, not the book.
For many Canadians, purchasing a second home is an ideal way to spend their time following retirement. Often times, the enticement of sunny beaches or year-round good weather draw many people to consider buying property in a warm locale like Florida or Arizona.
If you have a large nest egg of cash sitting in the bank, the transaction isn’t all that difficult. To get a sense of how much home you can afford, you can utilize various online mortgage calculators such as rateline.ca. For Canadians hoping to obtain a mortgage on US property, the process can become a bit more expensive and time-consuming. If you’ve thought about finding out how to get a Canadian mortgage on US property, you’re sadly out of luck. For legal reasons, Canadian lenders will not lend on real estate in the United States. In the event of default, they may have a tough time trying to take possession of the property.
There are other options available in some situations that may be advantageous for you to consider over a normal US mortgage. By understanding the challenges faced during the mortgage process you can compare your options and find the best choice for you.
Problems With Obtaining A Mortgage In The United States
Compared to the mortgage process in Canada, getting a loan for a home purchase in the United States is much more time-consuming and expensive. For US residents, there are numerous financial products available that offer interest rates from 4-5% or even lower. They also have options available to purchase homes with only a 3.5% down payment. Regretfully, these options are only available to legal residents of the United States, so unless you obtain residency status, the mortgages available to you are going to be more costly.
As a non-resident Canadian purchasing property in the United States, the average home loan will likely:
- Have an interest rate of 6.5%+.
- Require a down payment of 25-30% of the total cost of the home.
- Have closing costs that are 2-3% of the purchase price compared to much lower Canadian fees.
There are also some other differences that you’ll notice between Canadian and US mortgages. One of the most common that is in the US, mortgages are generally written for a term of 15, 20 or 30 years, compared with the normal 3-5 year loan terms seen in Canada.
One last thing about obtaining a mortgage in the United States – the process is much longer. In Canada, it’s common for the mortgage process to take just a few weeks or less. Expect, from application to the closing table, to wait twice as long, with 4-5 weeks or longer being common to close on US loans.
Access The Equity In Your Canadian Property
With US mortgages more costly than their Canadian counterparts, many people turn towards creative options to finance their US real estate purchase. One of the most common ways for Canadians to obtain the funds needed to purchase a second home is by using the equity that they have already build up in their Canadian home. If you own your home outright, obtaining the cash is quick and simple by taking out a loan against your home. If you still owe on the home, but have paid down your residence’s mortgage, refinancing your property to cash out your equity may be a viable option if you have an open loan (one with no restrictions or penalties for refinancing).
If you are not able to refinance the current mortgage on your home due to the terms of the agreement, a home equity line of credit (commonly referred to as a HELOC) is a popular way to borrow money much more affordably than through a standard US mortgage.
Check Out Lenders That Are Subsidiaries Of Canadian Banks
If cashing out the equity in your Canadian home is not an option, consider meeting with US-based banks which are subsidiaries of Canadian lenders. Both RBC and TD Bank, along with other major financial institutions, have branches located around the United States. While these locations cannot offer you a Canadian mortgage on US property, they can likely offer slightly better rates than their US competitors. This is because, unlike many other lenders, these banks can take your Canadian credit history, along with any past transactions with them, into consideration.
Even though there is no way how to get a Canadian mortgage on US property, there are still viable options. The cheapest and most popular alternative is to refinance or take a HELOC out on Canadian real estate, taking advantage of low interest rates and less fees. When that isn’t an option, meeting with Canadian lenders with US offices can sometimes garner a slightly less costly mortgage. If all other options fail, going with a US mortgage isn’t the worst thing ever. With property prices still relatively low, and even interest rates of 6.5% lower than historical averages, the value seen in many situations is still great compared to many popular domestic second-home locations.
It’s not always easy to find a place for everything we own. More and more people are looking for creative ways to store their stuff. This has fueled the start up of many storage companies that allow you to bring your stuff to an air conditioned and heated room. This article will go over some of the best tips and strategies for finding a storage unit that works for you. Size is always a big issue when it comes to storage. You will have to decide how much space you will really need. An important thing to remember is bigger is always better. You don’t want to get all of your stuff packed in a storage unit and realize you need a bigger space. It’s smart to always get all the stuff you want to store together and make a rough estimation of how much space it will need.
Like we stated earlier most units of heating or cooling built in. Now if you don’t really need that feature you might be able to save some money. Storage units typically come in two different types one is on an on sire heated and cooled location while the other is like a garage and it’s not heated or cooled. So if your stuff will do fine with changing temperatures then don’t worry bout getting a more expensive unit.
Where you live is also going to be a big factor in choosing how to store your stiff. In urban or city areas there tends to be more of the temperature controlled garage unit styles. In rural or small city areas there tends to be more self owned storage units.
Some companies are aiming to change the way storage works and have started a monthly service where you pay for the amount of storage you have. The company drops off the totes you fill them up and they take them and store them. Whenever you need them they will drop them back off. This is a great service for people that are short on thine, but it’s a little pricey and you will end up saving much more money by storing things your self.
One thing to point out about storage is contracts. These companies are all interested in long term business and are looking for people that will sign long term contracts. You need to make sure you are going to be storing your stuff there for awhile before you enter into any signed contract.
If you decide to use a storage unit to store your stuff, the first step is to find a company you can rely on. There are several companies located all throughout Canada, but if you are looking forVancouver Storage you should definitely check out http://publicstoragecanada.com. They offer some of the best services you will find and are happy to answer any questions you have about your personal storage needs.
I’ve worked in the construction industry for 20 years. The pay was good, but it was getting harder and harder to keep up with the demands of the job. I really felt like it was time for a career change. I saw an advertisement online for career training in the IT industry. Specifically, it was advertising online it training. I liked a few aspects about this notion. First, I like the specialty. Over the years I’ve taught myself a lot about computers and networking as a hobby. I figured that if I like doing it for free, I wouldn’t mind getting paid to do the same thing. Also, I liked the fact that the coursework was available online. Being able to complete the program at my own pace in the comfort of my own home really suits my learning style. I haven’t stepped foot in a classroom in years, so I’m a little apprehensive about going back to a regular school.
I followed where the link took me, and started to browse the site. I was surprised to see that there were a variety of programs offered. There were so many options, that I didn’t quite know where to start. I decided to look at each of the programs in-depth to better understand what they offered. In the end, I thought about what it was that I enjoyed doing most, and what type of job I’d enjoy having after I completed the courses. That helped me decided to focus my coursework on networking. I felt like I already had a good foundation, but I knew that I still had room to grow.
I know that completing this coursework will take a little while, but I’m willing to work hard and put in the time. I know that it will be well worth the effort once I’m done. I’ll be able to start a brand new career. It almost feels like I’m starting a new part of my life. I’m really excited about what this next chapter of my life will offer.
Binary options are options that pay either a fixed amount or nothing – thus the all-or-nothing tag – depending on the fulfillment or non-fulfillment when the option expires. Binary contracts are available on virtually every asset traded in the global market including but not limited to stocks, currencies and commodities as well as indices.
According to leading binary options website, www.bancdebinary.net.au, the ins and outs of binary options trading can be better understood by comparing digital options and traditional options on several terms including:
Digital options have a wide variety of expiration terms as set by the market (i.e., end of day, end of the hour, and even every 15 minutes) while vanilla options expire at the end of each month.
Vanilla options have variable payouts depending on factors like underlying asset price but binary options have fixed payout – if you have it, for that matter, since you may well end up with nothing from the trading.
Digital options traders are only concerned about the direction of the options, which can either be above or below, while vanilla options traders will consider strike price and asset price before executing the trade.
• Right to buy
Traditional options traders/owners have the right to exercise their options and then turn these into stocks in case the latter expires “in the money”; not so with digital options traders.
A leading company in the binary options space is EasyXP.
Easy XP has developed a good reputation for the level of service they provide. They have plenty to offer clients. The company has a modern day approach when it comes to problem solving and although they have years of trading expertise they still take the time to listen to their clients so they can provide a superior experience for site users.
EasyXP is an expert in options and Forex.
The company has created a superior platform and has provided valuable information to clients on their website. Clients who have the chance to access the type of guidance that is available are able to enhance their trading experience.
- Minimum Deposit Amount: $200
- Payout Percentage: 81%
- Demo Account: None
- Bonus Amount 75% (up to the amount of $9,999)
- First Deposit Bonus
- Bonus Amount 50% (up to $4,999)
- First Deposit Bonus
When choosing a provider of professional services I like to look at the person’s track record or the firms’ track record when making that decision to hire. Generally speaking people who contribute to society via humanitarian efforts do a better job when dealing with customers. This of course is just my opinion but I have anecdotal evidence in my life experience to back it up. Recently I was looking for a lawyer and came across Bergeron Clifford LLP while researching a local food drive and their name came up as a major volunteer. Now when I say a major volunteer, I don’t simply mean someone that donated money or food to the food drive. This particular lawyer donated his time and we all know that a lawyer’s time costs more than the average wage earner. So I was impressed by his actions and decided to approach him to see why he decided to donate as much time as he did.
After talking to him I got a feel that he was a passionate individual who volunteered a lot of his time for a few different causes that he cared about, one of which was improving traffic safety. You can see more information about what he does in the area of traffic safety by checking out this Ottawa Road Safety Infographic that he has on his website. I know it might seem a bit weird that an ottawa injury lawyer would be concerned with traffic safety since it seems a lot of his income comes from the lack of traffic safety. But it is because of how close this issue is to his every day activity that he is so passionate about changing the state of traffic safety as it currently sits.
He sees people who have had life changing traffic related injuries on a daily basis and he believes that traffic safety can be improved which would in turn lower the number of people who are involved in these life changing, devastating traffic accidents. When I asked him how he felt about the idea that if traffic safety was increased his client pool would shrink, he said that he isn’t worried because his law degree doesn’t limit his practice to injury victims and that he could easily go and practice law in some other area. He also said that he is just one person and as much as he wants to help people by pushing for better traffic safety he knows that he probably won’t be able to make a huge dent in that area by himself.
Because of this he is starting to get other people involved. He sees his mission as an education mission. He believes if he can grow the movement through education that change will come slowly but swell to an overwhelming push that actually affects change in the area of traffic safety. Once the changes are made in his city then it is inevitable that the changes will be made in other major cities and before you know it, the new traffic safety standards will be standard everywhere.
Some of the people I am in college with are talking about doing something a bit different this summer. They are going to be starting a little enterprise in home tuition, or home tutoring I suppose. I know them all from the math department and all of them are pretty smart. A lot of them are going to be teachers and they figure this is good practice. Of course it has an element of science in it, because they are looking to try out different methods and also looking at different types of students. The girl who is behind it is interested in figuring out these sorts of things. They were asking me if I was interested, but to be honest I was planning upon spending my summer having a lot more fun than this appears to be. I have a significant amount of money that my grandfather gave me and I figure that I might never get the opportunity to take an extended period of time off just to have fun.
I was thinking that this could be a fairly good business idea, but that you should probably be more flexible than just doing it at a person’s home. It would be just as easy to teach a lot of subjects over the internet. The truth is that my girlfriend and I have been helping each other out over the web cam for a lot of things. She is brilliant at your liberal arts types of courses, which I am terrible at. The opposite is true of math and the science, although brilliant might not be the most humble adjective that I could use. It is not the same thing of course, because both of us are motivated and that is a huge issue to consider when it comes to tutoring.
Saving money is very important. That is a universally accepted fact. However, saving money means more than just storing away your cash in a bank and waiting for it to grow from earning interest.
While putting your money in a bank may seem like the safest and more surefire way to grow your funds, it is an unfortunate fact that banks really do not offer particularly high interest rates. In fact, you could say that banks’ interest rates are quite low.
That is why if you want to really make your money grow, the best route to take would be to invest.
Of course, all investments do come with various risks, so it is of prime importance that before you put your hard-earned money into the hands of an investor, you make absolutely sure that your interests are protected. After all, there are no guarantees with investments. Once you go wrong, you can’t get your money back.
To help you get a handle on making good investments, here are a few good tips that you can follow.
Know what you want and need.
Before anything else, you should establish your goals and what you want to get out of investing your money. It could be something as vague as simply growing your money for a rainy day or as specific as investing to save up money for a future purchase such as a house or car.
Think about how to manage your investments.
Are you knowledgeable about investing at all? If not, then it may be best for you to get someone who can manage your investments for you.
Establish your risk tolerance.
Determine how big of a risk you want to take. The stakes are pretty high in the first place, since you will be risking your money, but the fact is that in the best times, the bigger the risk is, the bigger the reward. Do not, however, forget to be very cautious.
Make sure to be diverse.
If you want to reduce the overall risk of your investments, it would be wise to spread your money around instead of putting it all in one place. Think of diversifying as an insurance of sorts.
Create a plan to suit your needs.
Come up with a plan and a timeline for your investments, even a rough one, based on the factors that were mentioned above. A good investment plan will really be helpful when you are selecting potential investments.
Do research before investing.
Last but not the least, before you actually put your money into investments, make sure that you will be confident in it. Do your research before handing over your money.
One of the best investments nowadays comes in the form of gold. If you want to be able to secure your finances, then you may want to check out Yamana Gold, a company primarily dealing with gold investments chaired by Mr. Peter Marrone.
Peter Marrone is an expert lawyer, investor and businessman who has made Yamana grow and thrive since its conception in 2003.
These are the kinds of things that you really want and need to know before you take the plunge and choose to trust an investor with your money.
We should all be better drivers. It has honestly been driving me up the wall that we’ve become so consumed by our phones that we are texting or accessing the web as we drive. What has happened with us? Have we always been so distracted when driving? Sure, we eat when we drive. We sing. We play with the radio. Yet, this is something else entirely – even when cell phones were new, we talked on them but rarely did we hear of texting as we drive! I decided I needed a refresher so I took driving lessons in manchester to help me grasp a better understanding of my own car.
All throughout history, people have welcomed technological inventions with open arms because they give a new edge to life. They enable consumers to move faster, be more efficient, or do things easier. Now people can’t seem to manage without the latest electronic toy or gadget in their hands. There are individuals who are so caught up with the gadget craze that they buy the idea that it is not enough to own just one piece of gadget because the more popular trend is to have the latest model. This is all good for the electronics and telecom businesses but its impact on health and human relations are not so great.
It is a basic human need to interact with other people and the advent of the internet has provided us with a strong resource to meet this need. It has made the world smaller in a sense because we now have easy access to people from far places. Connecting with friends and family is so much easier now especially with the introduction of social applications like Facebook ® and Twitter ®. The creators of these forms of social media were ingenious in their work because it filled a distinct human need. But it has effects that swing in the opposite extreme which means that instead of nurturing relationships, it has created other fractured kinds. Observing people on a busy street will drive home this point for you.
Instead of communicating directly with each other, it is customary for people now to be more engaged with their smartphones or tablets. Children are the highest hit population in this scenario. Adding to the television’s attraction is the lure of interactive games on the latest phone or gadget model. Adults are likewise hooked into this culture because even if you see them having meals with another person, their attention are more directed towards their gadgets. The reality is that these latest technological inventions have truly made our lives easier, but it has also diminished the potential or quality of life that we experience.
There are also other things that people need to take stock of regarding social media. The personal details provided in social networking sites can be abused by stalkers and predators. It is unfortunate that the easy access that the Internet has gives us is double edged – it conveniently allows us to tap different info sources but also opens the potential for identity theft. While there are distinct advantages provided by these sites such as maintaining easy contact with family and friends for personal use and good business exposure for entrepreneurs, there is a need to weigh the advantages versus the potential dangers that it can cause.