Category: Uncategorized
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ਡਾਊਨ ਪੇਮੈਂਟ ਲਈ ਕਿਵੇਂ ਬਚਤ ਕਰੀਏ
ਘਰ ਖਰੀਦਣ ਲਈ ਡਾਊਨ ਪੇਮੈਂਟ ਬਚਾਉਣਾ ਬਹੁਤ ਜ਼ਰੂਰੀ ਹੈ। Canada ਵਿੱਚ ਘਰ ਦੀ ਕੀਮਤ ਅਨੁਸਾਰ ਘੱਟੋ-ਘੱਟ ਡਾਊਨ ਪੇਮੈਂਟ ਵੱਖ-ਵੱਖ ਹੁੰਦੀ ਹੈ, ਪਰ 20% ਪਸੰਦ ਕੀਤਾ ਜਾਂਦਾ ਹੈ ਤਾਂ ਜੋ ਮੋਰਟਗੇਜ ਇੰਸ਼ੋਰੈਂਸ ਤੋਂ ਬਚਿਆ ਜਾ ਸਕੇ। ਬਚਤ ਲਈ ਖਰਚੇ ਘਟਾਉਣ, high-interest savings accounts ਜਾਂ First Home Savings Account (FHSA) ਵਰਤਣ, ਅਤੇ Home Buyers’ Plan ਰਾਹੀਂ RRSPs…
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Tips for First-time Homebuyers
First-time homebuyers in Canada should focus on understanding mortgage terms, saving for a down payment, and budgeting for all homeownership costs, including taxes and utilities. Choosing the right neighborhood, conducting home inspections, and maintaining a good credit score are crucial. Consider government assistance programs and be prepared for closing costs. It's important to plan for…
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Happy Halloween
Halloween falls on October 31 because the ancient Gaelic festival of Samhain, considered the earliest known root of Halloween, occurred on this day. In the eighth century, Pope Gregory III designated November 1 as a time to praise all saints. Soon, All Saints' Day incorporated some traditions of Samhain and the evening before was known…
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Planning for Tax Efficiency
Canada's progressive tax system means higher earners face increased tax rates. To manage this burden, consider using life insurance to cover estate taxes and explore insurance-based investment strategies for tax-free retirement income. Family income splitting can also help, through methods like family trusts and spousal loans. Maximize contributions to RRSPs and utilize tax-free savings accounts.…
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Discover Calgary’s 5 Most Popular Neighbourhoods
West Hillhurst: Homes sell extremely fast, averaging just five days on the market with a median price of $413,490. Sandstone Valley: Properties move quickly, averaging 13 days on the market due to strong buyer demand. Palliser: Homes sell in about 15 days, with the lowest median price on the list at $412,500. Sundance: Properties average…
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10 Essential Tips for First-Time Homebuyers in Canada
First-time homebuyers in Canada should assess their finances, set a realistic budget including all costs, and save for a down payment to avoid mortgage insurance. Getting mortgage pre-approval clarifies borrowing limits and locks interest rates. Research the market thoroughly and consider first-time buyer incentives. A home inspection is essential, and be prepared for closing costs.…
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Is Calgary’s Market Ripe for Investment?
Calgary’s housing starts growth provides high-potential investment opportunities. Record construction activity supports long-term rental income streams. Diverse housing options reduce risk for investor portfolios. Strong urban and suburban demand underpins market stability. Investors benefit from a growing market with favorable rental dynamics.
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Calgary Crowned Canada’s Most Livable City for 2025
Calgary ranked first in the 2025 Best Places to Live in Canada list. It leads the nation with strong career opportunities, low crime, and affordable living costs. The avg salary sits at $58,243, and homes typically cost under $640,000. Residents benefit from proximity to the Rocky Mountains and an active outdoor lifestyle. Calgary’s balance of…
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Top 10 Tips for First-Time Homebuyers in Canada
Purchasing your first home in Canada can be overwhelming, but expert advice can help. Key tips include getting pre-approved for a mortgage to define your budget, saving for a down payment (5% to 20% depending on the price), and understanding additional costs like closing fees and property taxes. Check your credit score, work with a…
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How to Get Your Property Sale-Ready in 5 Steps
Enhance curb appeal: A well-maintained exterior creates trust and attracts buyers from the moment they arrive. Declutter and depersonalize: Remove personal items to allow buyers to imagine themselves in the space.