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Monday, October 1, 2012

Financing a home: 80 Types of Turbulence


Arranging financing for a home has many elements and there are as many possible situations as there are borrowers. To help you navigate through the lending process it is  important to work with the right mortgage professional. Below is a list of possible challenges while arranging your financing. 

Friday, September 28, 2012

Relationship Pricing



     CMT recently surveyed the mortgage rates of every prime lender in Canada. There are more than 400 of them. Over 60 choose not to advertise their rates online and various others display only posted rates. Most of these lenders subscribe to a practice called “relationship pricing”—where you get mortgage discounts by taking other products from that lender (savings accounts, credit cards, credit lines, car loans, etc.). It’s a process that requires you to haggle and often buy mediocre financial products just to get a fair mortgage rate.

Thursday, September 27, 2012



When a prospective seller says, "I need to interview other agents," do you know how to turn that objection into a signed listing agreement?
Overcoming client objections is a major challenge for many agents. There are two factors at work here, and one of them will be very familiar to you. It's our old enemy, the psychic vampire. This time we are taking on fear. Fear of not having the right answers, fear of losing a listing, fear of losing a sale. By now, you know that defeating this – or any – psychic vampire is not that complicated. You recognize it, and then you take action.

Monday, September 24, 2012


How to Brine a Turkey


This Thanksgiving whether you are roasting or smoking your holiday turkey, don't forget the most important step: brining. Brining, much like baking, is a scientific process, therefore it is important to have the right ratio of salt to sugar to water. And brining times are key.

               In a nutshell, the salt solution unwinds meat proteins to form a hollow tube. The brine solution travels into the protein, carrying the flavors of the herbs and other ingredients. The solution becomes trapped inside -- creating a delicious, juicy turkey that is hard to resist.
               The base of a brine should be 1 cup kosher salt and 1 cup sugar per gallon of water. With this ratio, you should brine your turkey for one hour per pound of meat.I place my turkey in a brining bag (large, leak-proof zipper-top bag) which you can purchase at a store. Since refrigerator space is always limited during the holidays, just place the brining bag down in a square cooler with ice so that the turkey is completely submerged in the brine mix.
               Create your own brine flavor by adding a variety of dried herbs, citrus slices, crushed garlic cloves or any of your favorite aromatic ingredients. Some of the water can easily be substituted with orange juice or apple cider and you can replace some of the sugar with sweeteners, such as maple syrup or brown sugar.
               Serve a brined turkey at your holiday table this year and I can assure you, the turkey and the cook will be the star of the show.

Basic Brine
: 2 cups kosher salt, 2 cups sugar, 2 gallons of water (orange juice or apple cider can be substituted for some water)
Optional ingredients for flavor:
3 bay leaves, 1/2 cup of your favorite dried herbs and spices (sage, oregano, thyme, basil, cloves, cinnamon, etc.), 1 tablespoon cracked black peppercorns, lemon or orange slices, crushed garlic cloves
               First In a large stockpot over medium-high heat, combine 1 gallon of water, salt, sugar and optional flavor ingredients. Stir until sugar and salt have dissolved, but do not boil. Remove pot from heat and let cool for 15 minutes.
Next Spread a layer of ice into the bottom of a cooler that is a little larger than the turkey. Set the brining bag inside cooler of ice and place turkey, breast side down, inside bag. Pour cooled brine over turkey, plus an additional 1 gallon of water or juice. To further cool brine, add 2 scoops of ice into brine bag. Seal bag, making sure to let out as much air as possible. Add additional ice to cooler so that your turkey stays at 40 degrees Fahrenheit while brining. Brine for one hour per pound of turkey. Do not over brine, or turkey will be salty.
Last Remove turkey from brine, scooping some of the herbs and spices from brine solution and spreading onto the skin of the turkey for extra flavor. Brush turkey with vegetable oil or melted butter and cook as desired (roasting or smoking) until the internal temperature reaches 165 degrees F. Discard brine and use an antibacterial cleaner to clean area exposed to raw poultry.


Wednesday, September 19, 2012

LinkedIn Real Estate Marketing


This article is from the Real Estate Marketing Blog. I hope you find it of value.


LinkedIn Real Estate Marketing

by VINNY LA BARBERA
As one of the most underappreciated social networks around, LinkedIn continues to quietly grow and become more useful to businesses of all sizes. Now is as good a time as any for you to learn the ins and outs of the most popular “business focused” social network so that you too can generate leads and find new clients on LinkedIn.

Tuesday, September 18, 2012


                Single Ladies Buying Homes



It’s becoming increasingly apparent that a greater number of women are now taking the reigns when it comes to home purchases. There’s a growing trend among single women – and, more precisely, professional single women – who are becoming independent homeowners. While many of them may be putting off marriage, they’re not waiting around for Mr Right before taking the plunge into homeownership.

Thursday, September 13, 2012

Mortgage After Divorce


Here’s a quick note to let you know how I can help you or anyone you might introduce to me. 

               Cassi had previously purchased a home with her husband, but their divorce necessitated selling their house, and now she wanted to purchase a home on her own.  With her single income Cassi wasn't sure what she could afford and didn’t know if she should even bother finding out.

                Cassi was referred to me by a friend and we met for an Initial Consultation.  We spoke in depth about her hopes, goals and dreams, then reviewed her credit history and other financial information.  I put my HomeLoanFinder computer to work, and when I advised Cassi that I could pre-approve her for a low down payment loan with monthly payments that fit her budget, she was thrilled!  Cassi’s offer on a lovely two-bedroom condo was accepted, and now she’s settling in to her own home with a fresh start on her life.

P.S.  Who’s the next person you know who could benefit from learning about their home-owning options?  Be sure to give me a call to discuss how we can let them know about my 
                             
Philippe Daigle, Your Mortgage Consultant For Life
Blue Tree Mortgages, Kelowna, BC. 250 801 1279

Friday, July 6, 2012

Mortgage Fraud - CHMC


The promise of “easy money in real estate” can be hard to resist. But consumers who knowingly misrepresent information when buying or refinancing a home could find themselves becoming accomplices to mortgage fraud.

Thursday, June 28, 2012

Effective Communication: Practice Makes Perfect


Stepping out of your comfort zone, doing something that challenges your perceptions of who you are and what you can do, allows you to gain the courage and self-confidence to do things to develop that competitive edge. It isn’t something that will happen overnight, but self-confidence, grounded in fact, will enable you to stand apart and shine.

People who undertake unconventional training programs, participate in team activities, take up an individual pursuit or engage in public speaking sessions usually report gains in courage, clarity, and credibility in their interactions with the public.
Journalists and politicians are skilled media operators. 

Thursday, June 21, 2012

URGENT!

THE HARPER GOVERNMENT ANNOUNCE MORTGAGE RULES CHANGES.  THESE RULES TAKE EFFECT ON JULY 9TH 2012, THERE IS STILL TIME TO REVIEW YOUR SITUATION AND ACT BEFORE THE CHANGES TAKE EFFECT. SOME OF THESE CHANGES WILL NEGATIVELY AFFECT SOME PEOPLE BUT THERE IS TIME TO ACT TO TAKE ADVANTAGE OF THE OLD RULE.
THE TIME TO CALL ME IS NOW.