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Dream House Can Be A RealityNews Canada NC—For many Canadians who have only dreamt of buying a home, it can now become a reality. While the actual dream may differ—a house with a big back yard for gardening, or a condo in the sky with a great view of the city—buying any home can be an important step for couples building a life together, or for singles looking for a bit of security. Home ownership often represents the largest investment in their lives, leaving some first-time buyers asking "where do I begin" The best starting point is with your finances. Before you scour through listings or attend open houses, consider advice from your financial planner or banking consultant to determine how much you can borrow and what options are available to you. A major stumbling block for many first-time buyers is the down payment. Even though you might feel ready to juggle a mortgage payment and other monthly bills, your savings account might not be enough to secure your new home. Your financial planner can help you find additional sources of cash, including your RRSP, or provincial savings programs such as the Ontario Home Ownership Savings Plan. Since conventional mortgages require a minimum of a 25 per cent down payment, many new homebuyers opt for a high-ratio mortgage, where they pay a lower percentage of the purchase price. One unique financing option, enjoyed in Australia and the UK is the flexible mortgage account. Combining the homeowners mortgage, loans and chequing and savings accounts, it results in lower interest charges and considerable savings in interest costs. Flexible mortgage accounts differ from other debt consolidation products in the way they put the homeowners income to work. Every time the homeowners income is deposited to the account, it is applied against the outstanding balance of their mortgage until it is needed for bills and other expenses. Over the years, this flow of income through the account can save thousands of dollars in interest cost and pay off the mortgage years sooner than traditionally possible. Flexible mortgages are popular in Australia, where approximately one-third of all new home loans are set up this way. In Canada, Manulife Bank is the first financial institution to offer such a product—called Manulife One. Want to know more If you would like to learn more about flexible mortgage accounts, visit the Manulife One Web site at www.manulifeone.com or call 1-877-626-8111 1-877-MANU111. - News Canada
| RELATED ARTICLES Wholesale Vinyl Flooring Is Perfect For Wherever You Need It Wholesale vinyl flooring is the perfect solution for people who are looking for flooring that is inexpensive, good looking, and made with high quality. Wholesale vinyl flooring is designed specifically for use in commercial, general and civil aviation applications and facilities, and it contains a hidden Tuff-Seal® interlock system and is backed by a five-year warranty.No carpet will be able to match that performance. For almost all uses, no adhesive, installation expertise, or uncommon tools are needed. Wholesale vinyl flooring can be used in virtually any aviation building or application, including kit aircraft builders, hangers and terminals, workshops, safety and security areas, basements and below-grade areas baggage claim, concourses, ground support and maintenance, passenger bridges, emergency, repair and overhaul areas.Wholesale vinyl flooring will stay in place and does not shift even under heavy point loads. It can be used for wayfinding and to brighten cold and uninviting hangers and other areas, such as those used by visitors, customers and employees. Vinyl flooring’s cushioned feel has been shown to improve productivity and comfort, while reducing noise and dust. Where Did Lava Lamps Come From Lava lamps have charmed people for decades. Edward Craven-Walker, a citizen of Great Britain, showed the world lava lamps in 1963. Two Americans bought the rights to this first lava lamp and called it the Lava Brand Motion Lamp, which was popularly dubbed the lava lamp. Lava lamp sales have been on a roller coaster ride ever since Craven-Walker introduced the hypnotic accessory. Seeding Flowers Indoors: An Inexpensive Way to a Beautiful Summer Garden Every year you plan that THIS will be the year you have pots and pots of lush plants on your balcony or deck. Then you visit your local nursery in the spring and reality hits -– the cost for your fantasy is just outrageous! Sound familiar Tips on Budget Decorating Home decorating on a budget is the ultimate adventure in decorating. It requires a little bit of planning, creativity, and patience. If you are like me, sometimes you wish you could be a genie and wiggle your nose and **poof** its done. However, that takes away from all the fun! Follow these tips and youll have a home that looks like a page out of your favorite magazine! Area Rug Buyers Guide Area Rug Buyers Guide brought to you by NatureRugs.com provides some important practical considerations when purchasing & decorating with an oriental rug. Guide to Mounting your Satellite Dish The Dish Network satellite dish is only about 2 feet in diameter.Very much a space saver when it comes to mounting thesatellite dish on a wall, fence or garage! Decorating, Where Theres a Will Theres a Way Decorating anything is one of the easiest things in the world! And when it comes to decorating your home, if one has a will and there is always a way. It helps, of course, to know about materials, including building materials, textiles and fabrics and furnishings including antique and modern furnishings. Add to this a few home decorating ideas and you can transform your house into a home that beckons! Discount Patio Furniture – An Easy Way to Get the Best Buying discount patio furniture is an economical way to obtain quality furniture for your patio. Tips For Breaking Away From White Wall Paint Paint is one of the most affordable and easiest ways to change a room. But choosing the right paint colors for your home can seem like an overwhelming task. New Trends in Design & Comfortable Living For the past several years I have seen the emergence of a new trend called ‘Lifestyling’. Lifestyling encompasses many elements on gracious living, extravagant and memorable entertaining, architecture, home design, and tips on where to live comfortably in spaces large and small, with less effort or clutter than you can imagine. In fact, this trend has effectively blurred the lines of traditional titles and professions.New ideas and new inspiration have created new sales to the tune of over 70 million dollars for one large company. Georgian And Victorian Style Conservatories Georgian Conservatories If You Have Any Antique Clocks...Keep Them. They May Be Valuable Keepsakes Been shopping for antique clocks lately It’s strange that when something is new they are fascinating and cutting edge. Then they become a common place. After a century or so, they become rare, untouchable museum pieces or antiques. An antique clock is not different. It acts as a representation of the time past, a reflection of the culture transformed. Or it may just look great! Liven Up Your Walls With Decorative Plates Decorative plates are often overlooked when decorating a home. Yet, its the details that really make the elements of a room come together—and decorative plates are a detail present in most rooms. While there are decorative plates that are solely functional in purpose, most have the potential to add to the ambiance of a room. Think about the following wall plate options: Change The Style Of Your Interior With A Minimum Of Costs The style of your interior depends for a great part on the decoration on the walls.Using the right picture on the right place can make your room look bigger.I experienced this for myself when I came in this business. I do sell reproduction paintings, you know. Handicrafts of Kerala Kerala, the Gods own country Situated in India has a rich tradition of Handicrafts. Keralas traditional handicrafts are a class of its own. The artisans of kerala have traditional expertise in carving in wood, jewellery design, both gold and silver and also in other mediums. Making idos and figures in metaletc. The gifted artisans makes beautiful idols of Lord Krishna, Ganesh, Goddess Saraswathi, Lakshmi etc. in sandal wood ,elephants in rose wood and other art works in varieties of other woods.These items are showcased in http://www.aayurmart.com Home Improvment Ideas There are many home improvement projects that you can carry out to make your home a more comfortable space and to add to its value as property. These home improvement projects include remodeling the basement, kitchen, and bathrooms, and painting both the exteriors and interiors regularly. Gel Candles - An Alternative To Wax Candles Gel candles are basically made from a combination of polymer resin and mineral oil.Gel candles make a beautifulgift for friends, family, or for yourself.Gel candles can add a touch of elegance to your home decor.They come in many different shapes, sizes, and scents.Gel candles can be found in fruit jars with labels or gift tags, in fancy glass bowls, wine glasses, and mugs.You can even dress up your gel candle jars with ceramic shades to make them look like a miniature lamp.Many times gel candles come decorated with miniature shapes embedded within them.A wide variety of scents are available also, from lilac to peanut butter cup.If you enjoy the aroma of fresh baked pies and goodies, then you have to try one of the many gel candles that are shaped and scented like blueberry, apple or strawberry pie or fresh baked cinnamon rolls.You can enjoy the aroma of fresh baked goodies in your kitchen without all the work! Using Colors in Your Room Colors play an important part in your Home Decor process. Colors are what give life and personality to your room. Electrical Safety in the home Electricity is a wonderful part of our lives, clearly enabling us to do so many of the things we take for granted. Food preparation, entertainment, communication, and so much more are all dependent upon the delivery of electricity. And yet, coming into direct contact with electrical current can severely injure you. In some cases, it can even kill you. Here are some things you can do to keep safe. Some of what we suggest may seem obvious, but we include it here because we believe its impossible to over emphasize the importance of safety. How to Grow Avocado Fruit gardening and vegetable gardening is a very exciting venture. Growing Avocados was one of the challenges I took on as a hobby fruit and vegetable gardener. When you are not an inhabitant of state with a tropical climate you can grow avocados in containers. |
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