Effective April 9, CMHC is adding more restrictions to its Self-Employed stated income product. Self-employed borrowers who choose to apply under this program, and not verify their income using traditional means, will have to put down 10% when purchasing a home (instead of 5% today). Stated income applicants who wish t…o refinance will be limited [...]
Yesterday the federal government announced changes to the rules for government-backed insured mortgages (less than 20% down payment). The rules are listed below. Below to each rule, I have added my comments. I hope my comments clarifies any doubts you may have. As always, if you have any questions please feel free to contact me.
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Building a Civilized Workplace means no jerks. That’s right, no jerks. All people that work in an organization should agree in writing to these rules of engagement:
I will be a good person to work with –I will not be territorial — I will not be a jerk.
A great organization should consist only of people who [...]
Everyone procrastinates. I do it, you do it, birds do it, and so do the bees :-). We put things off because we don’t want to do them, or because we have too many other things on our plates. Putting things off — big or small — is part of being human (unless you are [...]
People in your environment can have a great impact on you. We’re all a product of our environment. Where successful people congregate, is the place to be. Making big thinker friends, and meeting them regularly to trade ideas, voice opinions, and share dream and aspirations is the thing to do. A word of caution though: [...]
Marketing is not something you do to customers; it’s a service you do for customers – the service of helping them make the best decisions more easily.
If you ask me, my answer is “no”. These should worry us: not being able to execute on our plans, not delivering on the promises we make, not figuring out what the right strategy should be, not being nimble and agile enough to change as the field evolves, or not focusing on customers enough (enough [...]
There’s a place for everything and everything should be in its place. How about your plan? Do you have a plan or strategy for organizing your time and commitments?
For a while I was not disciplined. And then I met Steve. The dude set me straight. With life on the line, we need to be disciplined, [...]
Here you are, so welcome! I’m a realtor, a techie, a cook, a dad, a coach, and a giver of smiles to many. At the age of forty something, I’m also a twenty plus year fan of Pink Floyd, Supertramp, and Dariush. Read More ... 