What Do I Need to Do Before I Move to My New Condo?

New buyers of Montreal condos instinctively know what a great property and investment they have on their hands. For that reason, one of the things that they immediately think about is what they need to do before they move in to their condos.

After all, if you’re a new buyer, it wouldn’t make sense to simply move in without any regard for important matters you need to be sure about beforehand.

So, here are some quick reminders to put your mind at ease as an owner of a new Montreal condo.

Take Security Precautions

Although you trust your condo developers, it’s always wise to put a premium on security – for yourself, any condo companion you may have, and of course, your property.

The easiest way to do this would be to change your locks and to put deadbolts.

Remember, if you are not a hundred per cent sure about your locks and your keys, then, take this simple precaution. Security should always be a top concern before you move in.

Know the Location of Your Main Water Valve and Circuit Breaker

In the excitement of moving in, you may overlook to familiarize about two of the most important things in your new condo: your main water valve and your circuit breaker.

This sounds like a very simple concern, but you’ll be thankful you know where they are, and you know how to turn them off or on, especially if an emergency happens.

It’s best to be prepared.

Give Updates on Your New Address

Important and trusted people in your life need to be informed about your new address. However, remember that something as sensitive your new address should never be discussed in public, especially social media.

As much as possible, give the information personally. And, for additional safety and convenience, inform those who send snail mail to you, such as your bank, about your new address.

Arrange for Internet Service

Connectivity is already a nearly inescapable part of modern life. This makes having the continued ability to go online in the comfort of your new condo a must-do before moving in.

Ensure You Already Have Power and Running Water

Moving in to a new condo only to find out that your utilities are still not ready for you can be terrible. That kind of scenario will be so stressful and fatigue-inducing in the long run, as you waste time following up.

So before you move, see to it that you have running water and electricity ready for your use.

Pack Your Small Essentials in a Separate Box

It’s a basic move to put your possessions in packing or moving boxes. Everything you own has been categorized and grouped accordingly, and placed in its own box.

But what about your essentials, especially for your first night in your new condo?

Don’t stress out going through a huge box, looking for a small but essential item you might need to use immediately. Instead, pack all your small essentials that’s for your use on your first night, in a separate box.

Following these simple steps will give you, like all the smart new buyers of condos, a great and less stressful experience when moving in.

Buying or Renting is Not the Only Argument when it Comes to Housing

Housing debates, the kind that as you grow older start to fill your conversation with friends over drinks. Should I rent or buy? Should I get a roommate to share the cost? Should I invest in a rental property? or even Should I move in with my parents?

This is the new reality for today’s housing market. If you live in a major metropolitan centre you may have even been priced out of your market. Did you know that if you make an average income in San Francisco that you would need four roommates to get by? How about eight in Hong Kong?

This infographic from the real estate agents at Liberty Village Toronto, calculates the number of roommates needed for major cities across the globe. It also provides some really neat stats around home ownership that you may have not considered.

Spoiler: Hong Kong is probably not the place for you.

Do-You-Need-A-Roommate1

Graphic Design by Miami Seo Company, Vol & Tier Digital

Are Falling House Prices Really a Bad Thing?

Falling home prices are usually reported with all the doom and gloom expected of a smallpox outbreak. Yes, lower prices do decrease the wealth of homeowners as they lose equity in their property. That decrease in wealth can take its toll on consumer confidence and spending, and even the creation of new businesses. However, there are definitely some positive benefits of falling home prices in the marketplace.

  • Reduction in inflation: Falling home prices typically reduce inflationary pressure on the economy. This will keep prices in check for homes as well as consumer goods, autos, and even groceries.
  • Lowered interest rates: As prices for homes fall, and inflation lowers, the MPC can consider reducing interest rates in an attempt to stir the economy. History has shown that lowering interest rates does get the market moving again.
  • Homeowners can save by refinancing at lower rates: Lowered rates can help homeowners with equity to save on their mortgage payments by refinancing at the lowered interest rates.
  • Increases in home sales: Falling home prices can make them more attractive to potential buyers. Who does not love a bargain, after all? Of course, increasing home sales will help stabilize the falling home prices as well. In states like California and New York while it’s true that the prices tend to be on the higher side compared to other states, if you consult with a California mortgage broker or one in New York, to give you an example, they can better help you find these bargains as they know more about the real estate in their own areas.
  • First time buyers will qualify more easily: Many of those shopping for their first home will be better able to afford a property with falling prices. Where they may not have qualified for a mortgage in the past, they may now. The percentage a bank is willing to lend takes into account the applicant’s income, which is generally less for younger borrowers.
  • Renters may buy homes: In addition to first time buyers, renters might move to buy a home as prices come down, making homeownership more attractive than renting to them.
  • More people will qualify for mortgage loans: As prices and interest rates are lowered, many more people will be able to purchase a home. Lenders use a potential borrower’s debt to income ratios and a mortgage affordability calculator to figure out how much a borrower can afford to pay back. With lowered rates, a borrower will be able to afford a higher priced home. If you want to see how much you can afford, check out this mortgage calculator for details.

More affordable housing helps public sector staffing: When housing is not affordable in certain areas, the effect is to cause shortages of teachers, nurses and police officers in those areas, which in turn makes the local economy worse. Some areas have even turned to immigration to fill those jobs, which is not an ideal situation.

Falling house price points are definitely not all negative, as you can see. In fact, it just might stir up the economy and help many people own homes that had given up on that dream. Currently, the banks are in a position where they are now returning to lending levels that are similar to those that pre-date the global financial crash of 2008. The opportunities available to those who are in the house market are currently at their greatest abundance for 8 years. Are we going to see first time buyers taking advantage of this?

 

Stuck for Cash? Get an Illinois Title Loan

Nothing is worse than needing some quick cash, but not haven’t enough in your wallet or bank account. Often unexpected bills arrive at the least opportune times—the car breaks right before the big vacation—or you lose your job and need to pay rent. A car title loan may be the best way for obtaining the cash you need quickly.

Title loans work by turning your car title into fast cash. It works as a loan, which you repay over a set payment schedule. The process works quickly, and most applicants will have their cash within twenty-four hours. This is often a lot faster loan than a bank can provide, particularly if you’re applying for your loan over the weekend, or in the evening.

Most banks have a longer application process, and you may have to give a reason for your loan, such as to pay bills, job loss, etc., which are reasons they may not like to hear.

Many people also have a bad credit score. This may have resulted from a job loss in the past where many bills were paid late. But with Illinois Title Loans they won’t look at your past credit history. Instead, your loan is secured with collateral, in this case it’s your car. In the event that you can’t pay back your loan, your car’s title will pass to the lender. It doesn’t happen too often, but you can be confident that you’ll have obtained a fair price for it. In the event this happens, your credit history will not be affected at all.

To see how much money you can get on your car title loan, visit the0 Illinois Title Loans website. Enter details about your vehicle: year, make, model, style, and estimated mileage, and click Next. The next step is entering details about you: full name, cell number, email and zip code. You’ll have to x the box to agree to receiving a quote on how much cash your car is worth. You’ll also need to agree to the privacy and wireless policies, and the terms and conditions, then click the Submit button.

Shortly afterwards, you’ll receive your quote. There is no obligation for obtaining a quote—if all you want to do is see how much you can get, you don’t need to follow through with the application process. But if you do, you’ll receive details in your email account. The entire application process will take less than 24 hours.

Another great benefit to obtaining title loans is that you can still keep on driving your car. This is different than obtaining a loan from a pawn shop, where you must surrender your item until you have paid the loan back in full.

Some other ways you can use the quick cash from a car loan include paying for medical or business expenses, car repairs, and many other reasons. There are no restrictions to how you spend your cash.

Choose Illinois Title Loans for the next time you need a loan. You may have some great ideas for how you’re going to spend your extra cash

Unleash Your Inner Kendall Jenner: Wear Leggings as Your Pants

“Leggings aren’t pants” – I cannot count how many times I have heard this. For some, it is just another anodyne comment. Come to think of it though, the statement is deeply misogynistic. It is already 2016 man, but we are still telling women what to wear. For generations, men and some women have suppressed women to submit to their rules based on how society believes women should think and behave.

If a woman’s body is conventionally fit or sexy, she needs to cover up because she is sexually disturbing. If a woman’s body does fit within the ridiculously narrow standards of beauty, she needs to cover it because it’s unappealing. What a chauvinist way of thinking. Where is the progress in that? A woman should be freely able to choose for themselves what to wear. And if other people have a problem with the way she dress up, that is not her problem.

So girls, if you like wearing leggings as pants, go ahead! Never mind the haters and unleash your inner Kendall Jenner.

If you are convinced yet on wearing leggings as pants, here are the reasons why you should. And I swear, once you wear leggings, you’ll never go back.

  1. They are the one of the comfiest clothing ever made

Wearing them will make you say “halleluiah” because it feels super comfortable. The fabric is super stretchable and soft so it feels like you are wearing pajamas outdoors. Also, putting them on is not much of a hassle unlike the ordinary jeans.

  1. They are fashionable

Despite a number of leggings-haters telling it’s immodest, a lot of fashion icons like Beyonce, Vera Wang, Kendall Jenner and Kate Moss wear them in different occasions. Even the late Audrey Hepburn wore them. So see, if these icons wear leggings as pants, what is stopping you? If you just know how to mix and match, you can wear leggings and still look classy.

  1. It allows you to breathe

When a friend invited you for a buffet dinner, wear leggings. Wearing leggings always means more room for food. YAAS! It also covers up your bloating due to pre-menstrual period. During summer, leggings are also an alternative from denim jeans because of its breathability.

  1. They are flattering on anyone

Aside from the basic black leggings, other dark shade leggings can also be just as slimming and sophisticated. Try out chocolate, plum, navy blue, asphalt and charcoal. Just remember that colors that blend elongate the body the most. As for the length, when choosing Capris, make sure the leggings stop at where the legs start to narrow. When you want to add bulk to your legs, choose leggings with patterns, knits and rips.

 

  1. Bend-over friendly

When people bend over while wearing leggings, they don’t run the risk of seeing everything exposed like one could while wearing jeans.

  1. Leggings can be paired with a variety of clothing

One can pair cotton leggings with a summer or spring dress. Just make sure that the colors of the dress and the leggings complement each other. If your dress has a lot of designs, opt for solid-colored leggings Pairing leggings with a longer top or jacket is also acceptable as long as you wear the right shoes. Knee-high boots, sandals, flip-flops and moccasins suit best with leggings.

When going to work, wear leggings that are made up of leather, suede or denim. y To look professional though, wear a fancy top or use a blazer made up of quality material. Having a variety of leggings to choose from will make it easier to mix and match outfits for different occasions.

A Financial Frame of Mind: Drawing the Line Between Frugal and Obsessively Cheap

Michael Jackson was known for the lavish shopping sprees that he went on for his own amusement. According to unauthorized biographies by Randy J. Tarraborelli and others, though, Jackson could be grasping when it came to compensating the music producers, attorneys, managers, security agents and other professionals whose skills he depended on.

Michael Jackson’s life carries an important moral lesson on the line between frugality and cheapness, generosity and flash.  If your particular brand of financial philosophy hurts anyone — you or others in any way, you’re probably doing something wrong.

What are some of the other tests to apply to yourself?

What is your bottom line — price or value? It’s an important test to apply. If you find yourself picking a cheap, low-capacity computer solely for the price savings to be had and don’t feel like thinking about how you lose out on productivity, you could be crossing the line from frugality to cheapness.

Do you want to save to spend, or just save to save? Those who are frugal love to spend, but only on the things that they personally consider important. They may not shop for clothes or gadgets, but may spend on a college course or a great vacation. The frugal person does want to spend, but wants to do it on their own terms. A person who is cheap saves for no good reason.

Is there any elective spending that makes you happy? If you tend to lean towards cheapness, there is probably no kind of spending that does. Every elective expense leaves you with a feeling of guilt and dread. If you have a healthy attitude to money, though, there are likely to be plenty of things that you can think of, that you would spend on without feeling bad.

Are your choices short-sighted ones? Would you buy a cheaper home for the saving right now, even if it means a poor long-term investment? The inability to loosen up for a better investment is a hallmark of obsessive thrift. When it comes to investments, it’s important to take the long view.

Is your thrift more about smartness or brute force? People who tend towards frugality spend less money by being smart about their shopping. They might always buy quality brands, but choose the previous year’s model to save money. They might spend some time couponing, and always be careful never to pay credit card interest. When you’re cheap, you usually go all out, and simply shut down your spending. Your purchases will tend towards unreliable, low-cost brands, or not buying anything, at all.

Do you like spending to make others happy? Frugal people usually do. They find their careworn minds loosening up when it comes to an opportunity to spend a little money to make someone happy. If you find that you’re unable to happily spend for any reason, there’s a problem.

Finding the will to change

Whether you hold on to your money or blow everything to impress others, you basically value money itself, rather than the power to create happiness that it represents. While being tight-fisted can make you happy in a narrow sense, it can have devastating consequences on your life and the lives of those who depend on you. It’s important to step back, take a look at what your relationship with money does, and gradually develop the will to change. If you’re willing to give yourself enough time, and to begin a careful move towards moderation, you’ll find that it leaves everyone far happier.

Start by spending on others

Buy the best gifts for your loved ones on birthdays and on holidays, going as far as you can afford. Look for good charities to give to, and don’t claim a tax break. Tip well, and be generous when you pay people who work for you.

Certainly, you shouldn’t spend any more than you can actually afford. It’s important when you begin to loosen up, that you are aware of exactly where you’re headed financially. If you aren’t used to being free with your money, it could end in overreach.

Make solid, logically defensible choices

One of the best ways to make the change is to carefully begin paying for greater quality in every purchase. Whether it’s a car where you get greater protection or better quality foods that are more nutritious, upgrades where you can easily calculate the value that you’re getting for your money are an excellent way to begin.

Look for the irrationality

A careful look at your motivations for not wanting to spend money is usually the ultimate way to change. It can take a painful look at yourself to be successful. In the end, though, it’s worth it.

Sheldon Roberson came across frugal living a few years ago, and was instantly hooked as she realized how it could assist her as an investor. She encourages others to learn about these lesser-known ideas and writes on the topic for a small number of blogs.

3 Important Actions To Take Before Trading Online

When it comes to trading online, there are many different brokers and websites that specialize in helping people to trade stocks, commodities, or even currencies. This even goes above and beyond the ability of many individuals to manage their own 401(k) or Roth IRA accounts from the comfort of their own computer or home office. Technology has allowed for some amazing advances, however even with all of these opportunities it is important to take 3 major actions before you start even your very first trade online.

3 Trading Online Steps

Action #1: Do Your Homework/Research

One of the first steps you need to take is to slow down and make sure you do some serious research before committing to any specific company for trading online. The terms of an IRA account from one company to another are not the same. The cut certain Forex brokers take off each trade is not the same. While some of these differences can seem extremely small, sometimes being just a dollar or two, or a single percent, over the course of 30 or 40 years of investing that can lead to massive differences in the final amount.

The entire responsibility of using the best providers for your online trading fall squarely on your shoulders and it is always worth taking a next or week or few weeks to do your research to make absolutely sure you are only doing business with the absolute best of the best.

Action #2: Find Broker Software You Like

Online trading can be tricky even in the best of circumstances. Whether you are looking at trading stocks, speculating on commodities, or trading on the ever volatile Forex market, having the best broker software is critical to success. No matter which of these markets you’re dabbling in you want to make sure you are using an online program that is accurate, extremely fast (preferably real time), and very easy for you to read a lot of information in a single glance.

While every single person is going to have their own preference, the most important thing here is that your information is accurate and up to date and that you are absolutely comfortable with being able to use that software. If you can find a broker software that you are comfortable with, and that will definitely give you better results.

Action #3: Understand How Markets Are Different

When you are looking at trading online you also need to make sure you don’t make the mistake of thinking all markets are the same. Stock markets are the most stable by far and are driven much more by information and fundamental reports as opposed to technical chart patterns. Commodity trading requires much more knowledge of how speculation and technical chart analysis works in order to consistently profit.

The Forex market, where currency pairs are traded, is by far and away the most volatile and risky of all of the markets and should only be traded by professionals or after you have spent a great deal of time taking advantage of practice software to make sure you have it down.

In Conclusion

There’s no question that trading online has its own risks, but the opportunities are amazing and by following the 3 basic actions in this article you will be truly ready to go.