Rule 1: Life is not fair – get used to it!
Rule 2: The world doesn’t care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.
Rule 3: You will NOT make $60,000 a year right out of high school. You won’t be a vice-president with a car phone until you earn both.
Rule 4: If you think your teacher is tough, wait till you get a boss.
Rule 5: Flipping burgers is not beneath your dignity. Your Grandparents had a different word for burger flipping: they called it opportunity.
Rule 6: If you mess up, it’s not your parents’ fault, so don’t whine about your mistakes, learn from them.
Rule 7: Before you were born, your parents weren’t as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parent’s generation, try delousing the closet in your own room.
Rule 8: Your school may have done away with winners and losers, but life HAS NOT. In some schools, they have abolished failing grades and they’ll give you as MANY TIMES as you want to get the right answer. This doesn’t bear the slightest resemblance to ANYTHING in real life.
Rule 9: Life is not divided into semesters. You don’t get summers off and very few employers are interested in helping you FIND YOURSELF. Do that on your own time.
Rule 10: Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.
Rule 11: Be nice to nerds. Chances are you’ll end up working for one:
Hey there thanks for dropping by,
Canadians have insulated themselves by shopping for the best
interest rates with the help of a mortgage broker whose market share has
increased. Among those who renewed a mortgage in the past year, the number who
switched lenders was up to 21 per cent in 2011. At the same time, three
quarters of Canadians who renewed or refinanced their mortgage this year saw a
decrease in their mortgage rates. For a five year fixed rate mortgage, the
average discount has been 1.46 per cent during the past year. And fewer
Canadians have taken out equity, down to 10 per cent in 2011.
By comparing rates with different mortgage lenders,
aggressively paying down their mortgages, and decreasing the amount of equity
they take out of their mortgages, most Canadians appear to be in a comfortable
position to weather the economic challenges ahead. In fact, eighty-four per
cent of mortgage holders said they can handle an increase of $200 per month in
their mortgage payments, and 78 per cent have at least 25 per cent equity in
their homes.
“Despite less than positive feelings towards the economy, or
maybe because of that, Canadians are showing a level of prudence in their
decisions that is inspiring,” said Murphy. “That suggests to us that there is
no need for policy makers to introduce new measures that would reduce housing
activity.”
The report is authored by CAAMP Chief Economist Will Dunning
and based on information gathered by Maritz Research Canada in a survey of
Canadian consumers conducted in October 2011.
The CAAMP survey report contains a wealth of industry
information, including consumer choices and borrowing behaviour, opinions on
current “hot topics” related to housing and mortgages, regional breakdowns of
responses, and an outlook on residential mortgage lending. For a copy of the
report, please visit www.caamp.org.
Hey there thanks for dropping by,
Toronto, ON (November 9, 2011) – Canadians have heard the many cautions about carrying too much debt and are taking action to insulate themselves from future economic downturns, according to the seventh Annual State of the Residential Mortgage Market report by the Canadian Association of Accredited Mortgage Professionals (CAAMP), released today. Highlights: • About one-third (32 per cent) of homeowners with mortgages had some mortgage activity in 2011, with 23 per cent renewing or refinancing their mortgage • Fixed rate mortgages remain most popular (at 60 per cent), while 31 per cent have variable rate mortgages • Among those who renewed their mortgage in the past 12 months, 78 percent saw a reduction in their rate • Among those who renewed or refinanced their mortgages in the last year, 21 per cent changed lenders • Levels of equity takeout have dropped in 2011 – only 10 per cent of mortgage holders took out equity in the last year, a 40 per cent drop from 2010 “Overall, our survey paints a picture of Canadians generally and homeowners in particular as very focused on their finances. They are planning ahead, aggressively paying down their mortgage in advance of any further economic jolt,”” said Jim Murphy, AMP, President and CEO of CAAMP. “Prudent is the word that best sums up how Canadians are feeling at this time.” Canadians secure in their own positions; sceptical about others The 2011 survey found an interesting contrast between individuals’ own debt levels and their feelings towards other Canadians’ financial positions. Forty-six per cent of respondents agreed that “as a whole, Canadians have too much debt” and many believe that “low interest rates have meant that a lot of Canadians, who probably should not have, became homeowners over the past few years.” However, among those with a mortgage, most disagree with the statement “I regret taking on the size of mortgage I did” and a substantial number agree that mortgage debt is “good debt.” Canadians also agree overall that “real estate in Canada is a good long-term investment.” And, despite being concerned about overall debt levels of Canadians, they believe that they personally have acted responsibly.
The CAAMP survey report, please visit www.caamp.org.
Hey there! Thanks for dropping by,
Well, it’s still here:
When 76-year-old Joseph Lavalle needed a clock radio — so he could wake up every six hours to put glaucoma drops in his wife’s eyes — he picked one up for $9.99.
The bill for his clock radio came to $14.40 – a 45% increase on the price at the shelf.
The additional charges were the Waste Electrical and Electronic Equipment (WEEE) fee, an eco fee that came to $2.75, and the harmonized sales tax that was slapped on the price and the fee.
On the Canadian Tire receipt, the WEEE fee was under the initials ADS for “Advanced Disposal Surcharge.”
“I talked to the manager and I said, ‘Look this is ridiculous,’” Lavalle said.
To add insult to injury, the store refused to refund the WEEE fee when Lavalle returned the clock radio a day later, he said.
And just to refresh your memory read this story.
Stewardship Ontario is the industry group set up by Queen’s Park to oversee recycling programs, board of directors:
And here is direct link to Stewardship Ontario.
Nice job Mr. McGuinty, Read Full Story
OH, BY THE WAY, I’m never too busy for your referrals
Velibor Perisic
Mortgage Agent
Office:(519) 893-3463
Direct:(519) 496-6855
Fax: (519) 896-6012
E-mail: vperisic@mortgagebrokers.com
