Does Your Property Listing Use Frosted Marketing Language?

DOES YOUR PROPERTY LISTING USE FROSTED MARKETING LANGUAGE(1)

BUYING A HOUSE IS MORE THAN JUST SWEET BUTTERED WORDS   How confident are you about every property listing you choose to visit that the house description will be 100% accurate? Probably not that confident and I don’t blame you. A property listing may be close to accurate but it may also be buttered up just a bit to motivate you to put an offer in on the house. Real Estate trends seem to be important big-ticket accessories for buyers and sellers but even then what is being sold should be what is depicted in the property listing. Have you really fallen prey to these marketing tactics in the real estate industry? Probably because they’ve been used for years because there’s no standards apart from, “Sell that house” as fast as you can. Does granite in a bathroom or kitchen turn on your buyers excitement? Make sure the granite counter-top that you may end up owning and paying big bucks for is the real deal! Buyers remorse is a sad place to be especially when you should be excited about your new home purchase. I read an excellent blog post that every real estate agent and private seller should read- […]

Young woman embarrassed of her low-income family : The Saturday Weekend Review #151

The Saturday Weekend Review logo

NOBODY KNOWS HOW MUCH MONEY YOU EARN UNLESS YOU TELL THEM     Not every low-income family struggles financially because views about wants and needs fall on different levels and some manage their money just the same. They may not have all the luxuries they desire but they are happy, the bills are paid and they keep debt to a minimum or have none at all. It’s always going to be an ongoing struggle but they manage with what they have. Shopping may be at second-hand shops and their budget may be tight every month but they are content. There are people who are opposite this and are resentful and unhappy about their life but do nothing about it or are unable to do anything to change the situation. When we were young we created a vision in our minds about how we wanted our lives to turn out. Not all of us will see that vision come to life. We live in a tough world but ultimately we are in charge of our happiness whether we have a fat bank account or not. When I moved to Canada I had no job which meant I was earning no income […]

Why you need to review automated bill payments: Our family budget April 2014

Budgeted expenses April 2014

DOUBLE CHECK ALL OF YOUR BILLS   No matter what payment methods you choose to pay your bills with especially if it’s an automated bill payment you must review them. If we didn’t do just that with we would have paid around $594.96 extra per year for our auto insurance. I can think of many other areas of our finances where that money could be used. Whether you use a budget or a bill payment spreadsheet if you’re not careful you may be paying more for that automated bill payment like we just did. If it wasn’t for our budget and reading all of our bills and receipts we may not have caught the error. I know people who have any bill they possibly can set up so the bill payment is an automated bill payment directed that way mainly due to convenience. What is an automated bill payment? Well, it’s simple. It’s where you don’t have to do any of the work because the company that is billing you for a service they provided will debit your bank account for the amount of the bill. It’s that easy all you need to do is authorize that bill payment and […]

Top 5 things I love about Canada

Canada, A Place To Call Home Since today is Canada Day I thought I would share my top 5 things I love about Canada and why I’m proud to be a permanent resident in Canada. I used to be a Canadian tourist and now I get to share my stories in hopes of inspiring those who want to visit Canada or move to Canada. Sometimes I still can’t believe that I am living in Canada a land that I never thought would pop onto my radar, but here I am. It’s been almost six years now since I landed in this beautiful country not knowing where my life was going to take me. What I knew at the time was that I had a beautiful wife who I was and still am deeply in love with to take me under her wing and show me the ropes. Career and Education Moving to a country where you don’t speak the same language is a challenge but moving to a country where you do speak the same language can be frustrating. Since moving here I really did have to get my feet wet and even though I struggled to find work without the […]

Italian Panettone Bread and Butter Pudding

Italian Panettone Bread and Butter Pudding In Baking Dish

Today Nicola our resident Brit chef at heart brings a classic British Bread and Pudding dessert to a whole other level using an Italian Panettone cake. This is one recipe I can’t wait to try, the British meet the Italians for dessert. I would have never thought to make a bread and butter pudding with Pannetone but if you know Nicola she is always whipping something unusual but delicious up in the kitchen for her friends and family. I once made an Italian French Toast using the Panettone which is just another way to switch things ups using different ingredients in your kitchen. This is just one of those oven dishes that you know you are going to love just by looking at the pictures. Nicola spares no detail when it comes to this pudding and wants you all to try it in your own home. She also gives us the “Budget Breakdown” and clearly you can see this frugal dessert won’t cost you lots of money to make. This pudding just melts in your mouth with the pairing of lemon and orange flavours of the Panettone bread. Served hot with a touch of cream it would satisfy anybody’s sweet tooth in a second. It’s a […]

PF Weekly Reading List #12- Canada Budget 2013, CBB vs RFI (Guacamole)

  My morning consisted of a hot cup of coffee (OK 3) and a read of the Canada Budget 2013 that was released Thursday. It’s quite long but I picked out a couple of bits to chat about today. After reading through it I found this quote from Minister of Finance Jim Flaherty,“We will remain focused on what matters to Canadians—jobs and economic growth, and ensuring Canada’s economic advantage today will translate into the long-term prosperity of tomorrow” motivational from my perspective as permanent resident. Returning to a balanced budget seems optimistic throughout the budget plan with the deficit projected to drop each year and the government hoping to balance by 2015-2016 which they believe will strengthen Canada’s fiscal advantage. When I read this budget update these key words stood out- promote, extend, provide, enhance, build, help, improve, continue, invest, create, support, connect, opportunities, action, increase, invest, renew, introduce and initiative, all words that I believe create a unity or air of optimism. As we all know when creating a budget anything can happen so I’m sure many Canadians will be following this closely to see how well we stay true to this budget and how it unfolds over time. I believe a […]

Emigrating to Canada ~ Should I Rent Out My House

EMIGRATING TO CANADA

THINGS TO CONSIDER BEFORE THE MOVE   Canada seems to be a popular destination for UK citizens looking to start a new, more fulfilling life. Over the past few years I’ve known 3 or 4 different couples who’ve taken the plunge and made the tough decision to leave their life in the UK behind and start a new one living in Canada. As a former mortgage advisor some of those friends have questioned me regarding the biggest dilemma they face, after hiring an international moving company as they organize the big move to Canada, ‘What Should I Do With My House?’ Should I sell or rent out my house? If you’re a homeowner the decision of whether to sell or rent out your house has likely been plaguing you as you progress toward emigrating. In this article we’ll take a closer look at the option of renting and hopefully it will help you decide if becoming a landlord is the right option for you.   Emigrating Is No Ordinary Move   As you’re going to be moving to the other side of the world to live in Canada, renting out your home becomes more complicated than it would ordinarily be. Unless you can arrange […]

Canadian Law: Jury Duty In Canada Can Take Its Toll On Your Budget

Jury Duty Canada

THE LETTER THAT MOST PEOPLE DREAD   Jury Duty.. Not me… No way. Think again! While we were out for a walk back a couple of days ago we stopped by the post box to get the mail. Mrs. CBB started to read out loud, “A letter from the Ministry of the Attorney General, I wonder what that could be”. Honestly she was a bit spooked and thought something was wrong. She says you just don’t get a letter from the Attorney General for nothing, while ripping it open. A Letter for Jury Duty? She seemed confused and I wasn’t much help as I know nothing about jury duty selection and Criminal Law in Canada. Laws in Canada   Canadian Law and the Canadian Legal System is something I’m working on understanding although I’m not a Canadian Citizen yet just a permanent resident who’s been more focused on building credit in Canada rather than educating myself about laws in Canada. Although not on my top 5 things I love about Canada jury duty is still something important everyone who lives in Canada should learn about. I have not long landed in Canada from the UK but the amount I have to learn […]

Building Credit In Canada As A New Permanent Resident

Building Credit all over again in a new Country is not easy but is certainly possible to do. I’m still here and living it up and don’t fancy heading back any time soon. I’ve battled through all the permanent resident requirements with my lovely wife at my side and it’s been such a learning experience that I hope to share with all of you. It took me just over 100 days from the time I sent out my package that I prepared to Immigration Canada to being accepted as a Permanent Resident of Canada. I am truly blessed to be living in such a beautiful country like Canada and all the opportunities it has given me. Now I’m doing my part and giving back. Many people who land in Canada as new residents often find themselves lost when trying to establish credit to build a credit history. New Permanent Resident When I moved to Canada from the United Kingdom I was what they used to call a “Canadian Landed Immigrant” now called a “Canadian Permanent Resident”. Although I did some research on a Canada Immigration Forum it was more about the legal aspect rather than the financial. I already knew how to […]

Did You Order Your Credit Report Canada? It’s Free There’s No Excuse!

credit report credit history

YOUR CREDIT REPORT IS YOUR HISTORY   When I asked my fans if they had ordered their credit report or if they knew what was on their credit report the answer was an astounding no for many of them. Most had no idea how to go about ordering a free credit report in Canada. Today, I’m going to show you just how easy that is and it won’t cost you a dollar. Some fans didn’t even care about seeing their credit report and that’s fair as some people truly don’t care but for others it is crucial to know what is happening behind the credit scenes. The worst thing is being uninformed until something goes wrong and then you rush to fix any financial concerns. Sadly, fixing credit doesn’t happen overnight and will take time. A friend of ours moved into an apartment and wanted to get some furniture from the Buy Now, Pay Later place only to find out her credit report came back with an unhealthy mark so she was denied credit. When I asked my Facebook community about their credit report I was also surprised to learn that most had no idea where to find out about […]