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John Dunford

John Dunford, MBA

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Just how to Publish a Powerful Essay

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By secure | Uncategorized | (No Comments) | Apr 18 2017 Read More

Finest baked French toast that is overnight Easy breakfast recipe

The most demanding section of composing an essay needs to be starting it. What you find yourself performing here substantially depends upon the kind of essay you’re planning on writing. A good deal of preparation ought to get into your essay before beginning composing it. The communications within her documents, however, are only one cause […]

By secure | Uncategorized | (No Comments) | Apr 18 2017 Read More

Thesis Claims for Hamlet Essays alongside Essay Topics

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By secure | Uncategorized | (No Comments) | Apr 18 2017 Read More

The Potential Issues for Fitness Care Management

The Potential Issues for Fitness Care Management Introduction The significant goal of the proposal is to thoroughly analyze the longer term challenges for health and wellbeing treatment administration, Throughout the world healthiness recognition is getting into its most very difficult period of time, with growing curiosity for providers from customers a short while ago touched […]

By secure | Uncategorised | (No Comments) | Apr 14 2017 Read More

Decide whom to pay for for for to provide Essay? We are certainly just about the most useful Crafting Guidance on your Instructional Papers

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By secure | Uncategorised | (No Comments) | Mar 29 2017 Read More

How To Write A Custom Essay About Imperialism

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By secure | Uncategorized | (No Comments) | Dec 25 2015 Read More

mortgages-real-estate-oil-at-us35-would-send-canadian-home-prices-tumbling-26-cmhc-says

Oil at $35 a barrel for a period of five years would trigger a 26 percent collapse in Canadian home prices, according to stress tests run by Canada’s housing agency

The results were part of a slide presentation Evan Siddall, chief executive officer at Canada Mortgage & Housing Corp., gave Monday to a private audience in New York. The “Stress tests – Financial impacts” slide included five scenarios, one of which was called “Oil Price Shock,” which also predicts the unemployment rate would peak at […]

By admin | Blog | (No Comments) | Dec 01 2015 Read More

Bank of Canada

Finance Minister Bill Morneau said today that Canada’s budget is deeper in the red than we were told in the 2015 budget

Finance Minister Bill Morneau said today that Canada’s budget is deeper in the red than we were told in the 2015 budget as the economy’s performance has disappointed. He also revised down the government’s outlook for the economy over the next year. According to the Minister, the federal books are short roughly $3 billion in […]

By admin | Blog | (No Comments) | Nov 22 2015 Read More

Candas Fiances taking a hit

(Bloomberg) — Canada’s finances are taking a bigger hit than projected from the oil-price slump

(Bloomberg) — Canada’s finances are taking a bigger hit than projected from the oil-price slump, putting the country on pace for red ink even before Prime Minister Justin Trudeau kicks off his plan for deficit spending. After a surplus of C$1.9 billion ($1.4 billion) in the last fiscal year, the latest finance department projections are […]

By admin | Blog | (No Comments) | Nov 20 2015 Read More

Bamk of canada leaves rates at one half percent

Job Strength Means Fed Hikes Rates–Canadian Rates Have Bottomed

The jobs numbers released today for October exceeded expectations in both the U.S. and Canada. This was a particularly important report for the U.S., because it all but insures that the Federal Reserve will hike rates for the first time in a decade when they next meet on December 16. Interest rates in both Canada […]

By admin | Blog | (No Comments) | Nov 10 2015 Read More

What is a good credit score

What is a credit report and why is it necessary?

What is a credit report and why is it necessary? What is a credit report and why is it necessary? It’s easy, it provides proof of your creditworthiness. Plain and simple! In this day and age, it’s rare to find someone who doesn’t have some form of credit. This can include credit cards, personal loans, […]

By admin | Blog | (No Comments) | Nov 09 2015 Read More

Can’t qualify for a bank mortgage How do private mortgages work

Can’t qualify for a bank mortgage? How do private mortgages work?

Can’t qualify for a bank mortgage? How do private mortgages work?There is almost ALWAYS a mortgage solution. New to Canada? Self Employed? Maybe a few credit glitches in your past? You just need to ask the right mortgage consultant. Not everyone can qualify for bank mortgages today. It doesn’t make you a bad person, it […]

By admin | Blog | (No Comments) | Nov 06 2015 Read More

Moving Up - Down or Across the Property Ladder 3 Things To Know

Moving Up/Down or Across the Property Ladder? 3 Things To Know

Moving Up/Down or Across the Property Ladder? 3 Things To KnowsMoving up the property ladder is an exciting time in your life – having clarity on how the process works is key to your success. 1. Understand the terms of your mortgage and be prepared – get a pre-approval. Just because you already have a […]

By admin | Blog | (No Comments) | Nov 05 2015 Read More

DominionMortgage

Here are the top 5 reasons why people don’t qualify for a mortgage with their bank and come to see an independent mortgage specialist.

I receive calls every month from people who want to know how to qualify for a mortgage because they were declined by their bank. In many cases I can help them and in some cases they have to wait – but we identify what they need to do to get in a better situation to […]

By admin | Blog | (No Comments) | Nov 04 2015 Read More

Housing Starts in 2015 in Canada Increased

Four major metropolitan areas show strong evidence of problematic housing market conditions, according to a report from the Crown Corporation

CMHC’s Housing Market Assessment (HMA), released Thursday afternoon, points to “strong evidence” of problematic conditions in Toronto, Winnipeg, Saskatoon, and Regina. According to the report, Toronto’s analysis is a reflection of price acceleration and overvaluation; the other markets show evidence of overvaluation and overbuilding. Other markets, meanwhile, are at risk of overvaluation. “The most prevalent […]

By admin | Blog | (No Comments) | Oct 30 2015 Read More

Mortgage Rate Fustration

Brokers – and the industry – will have to wait a little longer for the expected rate hike

“To support continued progress toward maximum employment and price stability, the Committee today reaffirmed its view that the current 0 to 1/4% target range for the federal funds rate remains appropriate,” the Fed said in a release Wednesday afternoon. “In determining whether it will be appropriate to raise the target range at its next meeting, […]

By admin | Blog | (No Comments) | Oct 28 2015 Read More

Bamk of canada leaves rates at one half percent

Bank of Canada maintains its target overnight rate at 1/2 percent

It is no surprise to anyone that the Bank of Canada maintained its target overnight rate at 1/2 percent today, judging that the underlying trend in inflation continues to be about 1.5 to 1.7 percent. Even before the landslide sweep of the Liberal Party into power, assuring a more stimulative fiscal policy next year, the […]

By admin | Blog | (No Comments) | Oct 22 2015 Read More

Interest rates could rise sooner under the new Trudeau government

Interest rates could rise sooner under the new Trudeau government

Interest rates could rise sooner under the new Trudeau government if spending plans have the desired effect on the Canadian economy. Economists have been crunching the numbers following the Liberal victory Monday and believe that the $10 billion boost to the economy through the planned infrastructure program and other measures could mean that the Bank […]

By admin | Blog | (No Comments) | Oct 21 2015 Read More

Bank of Canada

Brokers can breathe a sigh of relief, following Stephen Poloz’s latest comments on what role the central bank should play in setting economic policy

“The Bank of Canada’s view is that monetary policy should be the last line of defence against threats to financial stability, behind the joint responsibility of borrowers and lenders, appropriate regulatory oversight within the financial sector, and sound macroprudential policies,” Governor of the Bank of Canada Stephen Poloz said during a speech in Washington at […]

By admin | Blog | (No Comments) | Oct 15 2015 Read More

Bank of Canada governor Stephen Poloz spoke over the weekend about the rising levels of household debt

Bank of Canada governor Stephen Poloz spoke over the weekend about the rising levels of household debt

Bank of Canada governor Stephen Poloz spoke over the weekend about the rising levels of household debt and the effect that monetary policy has had on house prices. Mr Poloz said that using policy including interest rates to address the increasing debt of many Canadians should be the last resort. With the ratio of debt […]

By admin | Blog | (No Comments) | Oct 13 2015 Read More

Federal Interest Rate hike

A voting member of the Federal Reserve’s policy committee said Friday that he believes the economy is on a satisfactory track and that an increase in interest rates is likely to be appropriate in either October or December

Dennis Lockhart, president of the Fed’s Atlanta regional bank, said the economic data has been giving off mixed signals and there is more ambiguity in the data than there was a few weeks ago. Lockhart said he will be watching consumer activity closely before he makes his decision on whether to raise rates at one […]

By admin | Blog | (No Comments) | Oct 12 2015 Read More

The last employment report before the October 19 federal election has to be disappointing for the Harper campaign

The last employment report before the October 19 federal election has to be disappointing for the Harper campaign

The unemployment rate edged up to 7.1 percent–slightly higher than the 7.0 percent posting in August–and employment grew a mere 12,000, in line with modest expectations. At least job seekers must be a bit more optimistic as the number of labour force participants increased last month–some discouraged workers resumed their job search. Another negative note […]

By admin | Blog | (No Comments) | Oct 11 2015 Read More

Top 4 Reasons Why a Variable Rate Mortgage Can Put You Further Ahead

Top 4 Reasons Why a Variable Rate Mortgage Can Put You Further Ahead

Top 4 Reasons Why a Variable Rate Mortgage Can Put You Farther AheadThe general consumer will be hard pressed when left to their own devices to shop on their own for their next mortgage, especially if they visit with one of the BIG banks. Typically they will talk about their most popular and profitable product, […]

By admin | Blog | (No Comments) | Oct 09 2015 Read More

Mortgage broker Toma Sojonky says a recent move by lenders to prune their discounts to the prime rate

Mortgage broker Toma Sojonky says a recent move by lenders to prune their discounts to the prime rate

Mortgage broker Toma Sojonky says a recent move by lenders to prune their discounts to the prime rate for new variable rate loans has borrowers pausing and considering their options. And combined with fixed rates drifting lower, some borrowers with variable rate mortgages are starting to make the switch and lock in their loans. “Variable-rate […]

By admin | Blog | (No Comments) | Oct 05 2015 Read More

good-news-for-harper-and-the-canadian-economy

Real gross domestic product (GDP) for July was posted at an better-than-expected 0.3 percent

Real gross domestic product (GDP) for July was posted at an better-than-expected 0.3 percent, confirming that the economy rebounded in the third quarter from the contraction in the first half of the year. Although oil prices remain depressed and commodity prices in general have fallen, the economy has been bolstered by the fall in the […]

By admin | Blog | (No Comments) | Oct 01 2015 Read More

What is a mortgage Broker

What IS a Mortgage Broker?

What IS a Mortgage Broker? One thing Canadians have in common is that most of us are paying off a mortgage. The mortgage market can sometimes be confusing. There are a vast array of choices – open, closed flex down, equity take-out, cash back, and of course the rates themselves. While we would not attempt […]

By admin | Blog | (No Comments) | Sep 30 2015 Read More

China Weakness Could Postpone Fed Rate Hike

China Weakness Could Postpone Fed Rate Hike

A significant slide in a preliminary measure of China’s factory activity for September is getting more attention than usual because Janet Yellen mentioned concern about China’s economic outlook as a reason for Fed caution. This reduces the odds of a rate hike in October. Data released in China last night showed that companies are struggling […]

By admin | Blog | (No Comments) | Sep 23 2015 Read More

Housing Starts in 2015 in Canada Increased

The Fed’s decision to hold US interest rates steady at near zero Thursday is good news for Canadians with a long-term mortgage

The Fed’s decision to hold US interest rates steady at near zero Thursday is good news for Canadians with a long-term mortgage. With mortgage rates for home loans with longer terms affected by US bonds, which are tied to US interest rates, any increase will begin to have an effect down the line. Shorter-term mortgage […]

By admin | Blog | (No Comments) | Sep 18 2015 Read More

federal-reserve-interest-rates-unchanged-september-hike

The Fed kept the overnight rate unchanged

The Fed kept the overnight rate unchanged today, choosing to delay an increase owing to stubbornly low inflation, an uncertain outlook for global growth and recent financial market volatility. It appears that recent losses in China’s equity markets reflect deeper worries over growth prospects for the world’s second largest economy. Slowing growth in China has […]

By admin | Blog | (No Comments) | Sep 18 2015 Read More

Brokers are frustrated by the increase in rate shoppers and the number of clients being given incorrect information about how the Bank of Canada rate cut affects rates

The Bank of Canada will maintain its benchmark rate when it meets next week, according to one ScotiaBank economist

“We expect the Bank of Canada to remain on hold on Wednesday with the overnight rate unchanged at 0.5%,” Derek Holt, vice president of Scotia Economics, writes in the bank’s latest economic forecast. “It will be a statement-only affair with no forecast updates or press conference. They will come next in October.” And Holt argues […]

By admin | Blog | (No Comments) | Sep 08 2015 Read More

Statistics Canada

Statistics Canada is reporting that GDP fell in the second quarter

Statistics Canada is reporting that GDP fell in the second quarter, confirming fears that the economy was in recession for the first half of 2015. StatsCan says the economy contracted at an annual pace of 0.5 per cent in the second quarter of the year. That was a smaller decline than analyst estimates but Statistics […]

By admin | Blog | (No Comments) | Sep 01 2015 Read More

National Bank Financial predicts that the BoC will cut interest rates next month

National Bank Predicts an Interest Rate Cut

National Bank Financial predicts that the BoC will cut interest rates next month. In a note the bank says that it would be better for the central bank to act now and withdraw some of the cut later if conditions improve, rather than wait until it’s too late. The BoC’s meeting is set for Sept. […]

By admin | Blog | (No Comments) | Aug 28 2015 Read More

Banl of Canada

It’s not just Canada’s central bank that may push its benchmark rate hike forward to a later date

It’s not just Canada’s central bank that may push its benchmark rate hike forward to a later date, with the U.S. Fed increasingly poised to do the same. Over $5 trillion has been lost in global equities value following China’s decision to devalue its currency on August 11, and that is being reflected on stock […]

By admin | Blog | (No Comments) | Aug 27 2015 Read More

Falling profits

Core inflation is nearing a seven-year high

Core inflation is nearing a seven-year high, but should that prompt the government to consider raising the overnight rate? Economists seem to think so. Don’t expect the Bank of Canada to pull back on its monetary easing, despite inflation approaching a seven-year high. “Canadian inflation remains on an upswing … we remain of the bias […]

By admin | Blog | (No Comments) | Aug 26 2015 Read More

Brokers are frustrated by the increase in rate shoppers and the number of clients being given incorrect information about how the Bank of Canada rate cut affects rates

Possible Interest Rate Cut

Analysts were talking about an increased chance of an interest rate cut Monday following the Canadian dollar’s decline to its lowest value against the greenback in 11 years. Concern about the global economy and the dollar’s weakness have led to speculation as to whether the two interest rate cuts so far this year will do […]

By admin | Blog | (No Comments) | Aug 25 2015 Read More

DominionMortgage

Beware Of Early Discharge Penalties!

Beware Of Early Discharge Penalties! Have you ever needed to get out of your mortgage before the maturity date? It can be a confusing and surprising experience. Don’t forget that your mortgage is a legal contract, therefore, like most contracts it is expected that it would cost you something to break it. The lending institution […]

By admin | Blog | (No Comments) | Aug 24 2015 Read More

The Fed minutes from its July 28-29 meeting

The Fed minutes from its July 28-29 meeting

The Fed minutes from its July 28-29 meeting, released Wednesday afternoon, reveal a rate hike is still in the cards but that a hard date has not yet been reached. “In determining how long to maintain this target range, the Committee will assess progress— both realized and expected—toward its objectives of maximum employment and 2 […]

By admin | Blog | (No Comments) | Aug 20 2015 Read More

why-banks-want-you-to-sign-the-renewal-agreement-that-they-mail-out-to-you

Why Banks Want You To Sign the Renewal Agreement That They Mail Out To You

Why banks want you to sign the renewal agreement that they mail out to you. Most banks boast a higher than 90% renewal rate on their mortgages (some even higher than 95%). Since it costs them a lot more money to acquire a new client vs. keeping an existing one, banks love the savings of […]

By admin | Blog | (No Comments) | Aug 18 2015 Read More

DominionMortgage

Association lobbies for mortgage rule change

Brokers may have just found their campaign issue, with an industry association calling for something that could bring thousands more buyers into the market The CMBA is advocating for 30-year amortizations for first-time homebuyers in the wake of a Conservative Party proposal to increase RRSP withdrawal limits. “The Canadian Mortgage Brokers Association urges the implementation […]

By admin | Blog | (No Comments) | Aug 14 2015 Read More

Devaluation warning for canadas hottest markest

Overvaluation warning for Canada’s hottest market

Toronto has been added to the Canada Mortgage and Housing Corporation’s list of the country’s riskiest housing markets, with the insurer citing a combination of price acceleration and overvaluation. “The rise in house prices have not been matched by growth in personal disposable income, giving rise to a modest risk of overvaluation,” said Bob Dugan, […]

By admin | Blog | (No Comments) | Aug 14 2015 Read More

Housing Starts in 2015 in Canada Increased

Housing Market Still Strong – BMO

A report from the Bank of Montreal says that despite the technical recession there is no sign of that in the housing market. The mortgage lender’s analysis of the market from economist Robert Kavcic is that, although housing starts have slipped back month-over-month, the overall numbers show a healthy housing market. In a client note […]

By admin | Blog | (No Comments) | Aug 12 2015 Read More

Mortgage Rate Fustration

Interest rates are set to stay at “ultra-low” levels in Canada

Interest rates are set to stay at “ultra-low” levels in Canada for some months yet according to one mortgage lender. Reacting to the recent monetary policy announcement from the Fed, Canadalend.com says that it believes the US won’t raise interest rates until 2016 and its president Bob Aggarwal says that will mean good news for […]

By admin | Blog | (No Comments) | Aug 11 2015 Read More

The rules surrounding the income from rental units  are changing

Renting out property to get easier as CMHC changes rules

The rules surrounding the income from rental units considered in home loan applications submitted to the Canada Mortgage and Housing Corporation are changing. The agency announced Monday that from September 28 it will allow 100 per cent of the rental income from a unit to be considered for new loan applications submitted to it for […]

By admin | Blog | (No Comments) | Jul 30 2015 Read More

Have Rates finally hit their lowest point

Housing to be the driving force in the Canadian economy in 2016

One big bank believes the housing market will continue to be a driving force for the Canadian economy, even despite predicted cooling in 2016.  “The housing sector is likely to remain a bright spot in 2015, but can be expected to cool next year as affordability continues to erode on the back of national home […]

By admin | Blog | (No Comments) | Jul 29 2015 Read More

Brokers are frustrated by the increase in rate shoppers and the number of clients being given incorrect information about how the Bank of Canada rate cut affects rates

Brokers are frustrated by the increase in rate shoppers

Brokers are frustrated by the increase in rate shoppers and the number of clients being given incorrect information about how the Bank of Canada rate cut affects rates.  “There is a lot of confusion among clients between fixed and variable rates; clients are wondering what affect the drop will have on fixed rates,” Michael Marini, […]

By admin | Blog | (No Comments) | Jul 24 2015 Read More

Mortgage Rate Fustration

Rumblings of further mortgage tightening are already frustrating brokers

Rumblings of further mortgage tightening are already frustrating brokers, who argue they will unfairly affect the wrong type of buyer.  “We’ve already seen the impact of the most recent changes and young professionals are really struggling to get into the market,” Dianne Smith of Invis told MortgageBrokerNews.ca. “The housing and mortgage business is really dependent […]

By admin | Blog | (No Comments) | Jul 17 2015 Read More

Mortgages

Banks cut Interest Rates

Following yesterday’s decision by the Bank of Canada to cut interest rates to 0.5 per cent some major mortgage lenders have reduced their rates but as predicted they have stopped short of the full 25 basis points. Toronto-Dominion Bank was the first to react, just 12 minutes after the BoC announcement, but it jumped too […]

By admin | Blog | (No Comments) | Jul 16 2015 Read More

Banl of Canada

The Bank of Canada has lowered its overnight rate to 1/2 per cent.

The Bank of Canada has lowered its overnight rate to 1/2 per cent. “The lower outlook for Canadian growth has increased the downside risks to inflation. While vulnerabilities associated with household imbalances remain elevated and could edge higher, Canada’s economy is undergoing a significant and complex adjustment,” the central bank said in a statement. “Additional […]

By admin | Blog | (No Comments) | Jul 15 2015 Read More

Carolyn+Wilkins

The economy is not performing at the pace the Bank of Canada Hoped it would

The economy is not performing at the pace the Bank of Canada hoped it would, which could lead to further rate cuts, according to one leading economist. “The Bank of Canada meets next week and is faced with a troubling reality – output has fallen for four consecutive months, business confidence and capital spending plans […]

By admin | Blog | (No Comments) | Jul 15 2015 Read More

Banl of Canada

All eyes are on Bank of Canada governor Stephen Poloz this week

All eyes are on Bank of Canada governor Stephen Poloz this week as those in the mortgage business await this Wednesday’s decision in interest rates. Analysts are not united but there are plenty who are calling for a cut in interest rates to give a shot in the arm to the economy, especially the key […]

By admin | Blog | (No Comments) | Jul 13 2015 Read More

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