Finding a new home in Markham is not always easy. Some people look for a very specific set of features at home combined with a convenient location. It takes years for people like this to find the right home. Alternately, someone who is lucky or who doesn’t care about a rigid list of features can find a new home in just a few days or weeks. Consulting with a Markham real estate agent will significantly reduce the amount of time needed to find a new home. The amount of time needed to buy a new home becomes a little more predictable once the property has been found. Several stages of the home buying process will require time and patience.
The first thing that usually happens when the right house has been found is price negotiations. A Markham real estate agent can make this process easier than dealing directly with property owners. Negotiations usually involve an offer from the buyer and then a counter offer from the seller based on other offers that have been received. This process can take anywhere from one day to one month depending on how many potential buyers are involved in the negotiations.
Placing financing can be one of the most time-consuming parts of the home buying process. Usually it is best to hire Markham real estate agents who will help buyers become pre-approved for financing. If initial approval is not possible, then it takes from one week to several months for lenders and brokers to approve financing for a home. Costs and deposits usually need to be handled during this time.
The lender or the bank usually wants to value the house as part of the financing process. Assessment means that trained inspectors will go out of the house and assess the …Read more
Blockchain technology can transform established business processes and radically change the work with regulators. Nevertheless, blockchain remains an experimental technology – many problems of its use have not yet been resolved.
Interest to the blockchain continues to grow: back in 2016, many banks, exchanges, and fintech companies announced the launch of their technology development projects. Blockchain remains one of the hottest topics in the field of financial services and the stock markets, and there is every reason to expect an increase in the speed of its spread. Several large financial organizations immediately formed teams to study the capabilities of the technology, and some market participants joined in consortia to develop standards for its use.
The technology is really capable of protecting the data that we have to work with, while making it more accessible and transparent. In addition, the blockchain can significantly reduce costs and minimize the time required to solve problems and eliminate errors.
Implementing a blockchain is by definition a complex process, but the basic idea of the technology is simple: a distributed registry or database running simultaneously on a multitude (sometimes millions) of nodes distributed around the world between different users and organizations. The uniqueness of the blockchain lies in the immutability or irreversibility that the cryptographic protection system guarantees. For example, when transactions from the registry are grouped into blocks and written to the database, the record is preceded by cryptographic verification, as a result of which it is almost impossible to change the state of the registry by any kind of fraud. In favor of trust in the blockchain, it is also said that any changes to the data in the blockchain are possible only if network participants confirm the legitimacy of the transaction in accordance with general rules and protocols.
According to the report …Read more
Student credit card loans and education loans have been a major cause of concern for parents, lately. If you want to stay away from such situations, it would be wise for you to help your child develop good monetary habits. In most cases, children get into the habit of making unspecified expenses because they get excessive benefits.
There is nothing wrong in giving your child an allowance, but you must decide on the amount of money or amount carefully and then make a decision. Parents who cannot decide on the amount of allowance they will give their child can pay attention to the following factors.
Determine Your Children’s Needs
When you decide on the benefits you give your child, you must first complete your child’s needs. Estimate the transportation costs needed to go to school.
If your child is enrolled in other activities such as music, dancing, swimming, or even in any game, you must not forget to include transportation costs for traveling to each training center. Most children have their own bicycles or cycles. In that case, transportation benefits must be reduced.
It is always good to pack your child’s lunch box when he goes to school. However, many working mothers cannot do it because of their busy schedules. Whatever the reason, if your child does not bring lunch from home, you must estimate the cost of food in the school canteen or college canteen and then add the amount to determine the total allowance in this account.
It is good to give your child some extra money to buy some items of his choice or to watch a movie with friends. However, it must be limited and decisions must be made depending on the age of your child.
Make Your Child Develop… Read more
Tip 1 – Find a good reason to budget
If you don’t have a very motivating reason to budget, it’ll feel like a form of torture designed by Mr Scrooge and you won’t last longer than a week.
Which motivation appeals to you most?
- To keep my finances on track
- To get out of debt
- To save towards something important to me
Tip 2 – Start with last month’s expenses
One of the easiest ways to start a monthly budget is to use your expenses from last month as a guide. Gather your bank and credit card statements and write down all the expenses. You can even group them in categories like: home, transport, personal, children, entertainment, medical, insurance etc. Not only is this a quick and easy way to create your first budget but you’ll be able to see what you actually spend your money on – not what you think you spend your money on.
Tip 3 – Create a buffer
Irregular expenses like that annual car repair or property tax or festive season gifts or a vacation are often left out of a budget. Make a list of these expenses and guess how much you’d pay annually for these items. Add them up and divide the sum by twelve and then add this “buffer expense” to your monthly budget. Important extra tip: pay this amount into a savings account every month to keep it safe.
Tip 4 – Adjust and Track
A budget is most powerful when it’s used as a tracking device. Track your spending weekly (if not daily) and make budget adjustments right away to stay on track. Waiting until the end of the month is too late! Lots of little additional expenses often creep into the mix and you’ll need to swap some budget …Read more
What’s going on these days? Is the world going crazy?
On Monday, May 10th, at the moment this story is written, because of what happened in the European countries, the worldwide stock market has been rocked by an incredible and sudden plunge (May 6th), after a hectic week.
Now it sounds like the crisis is over, after the Europeans have agreed on how to save the Euro. As a result, stocks posted their biggest one-day gain in more than a year. So, is the Euro really saved?
Is the crisis over? From an astrological viewpoint the answer is a resounding NO!
For those familiar with the language of the Planets, all that is no surprise. We can truly identify the kind of events that may occur during a Saturn-Uranusopposition.
Think back a bit about what happened in late 2008, when on November 21st the first opposition between these two guys occurred: the Dow Jones Industrial Average plunged 47%.
Sounds familiar, doesn’t it? For months some astrologers have been warning about the special alignment – in formation – involving Saturn-Uranus-Pluto over the summer.
Who are the guys involved? What does the picture look like?
Many Planets will be key players in a very real, very stressful ballet. We call it a cardinal T-square because it will take place in all the cardinal signs – Aries, Cancer, Libra and Capricorn.
The first of these Planets, Pluto, Lord of the Underworld, who is visiting the sign of Capricorn, is asking for huge transformation. He helps to bring to the surface what is wrong and hidden to the others. He can’t stand dishonesty. The Madoff story is a perfect example.
The second one, presently in the sign of Virgo, is Saturn a.k.a the Terminator guy, a very demanding one. He strongly needs structure and …Read more
Stock market game is one business venture that many people are curious about playing with. It is participated by a mixture of people. Joining the game will cause you money and you must be willing to spend much of it if you want to win. This is not different with gambling, because stock market game involves risks as at times the stock market itself is unstable.
There are times when your patience will be tested on this game; there are times when your luck is pushed to its limits. But whatever the causes and the factors that make your status stable and unstable you must learn to hold your ground and sometimes let go. In this game you have to vigilant and analytical, you have to study the trending of various stocks and look for possible opportunities as you go along.
They say that the trending of the stock market is unstable and the stocks would not stay in its price it is highly dynamic and this true. Your intuition in this kind of game is highly needed. Any you should also be analytical and be keen with the way you observe things and stocks trending.
You must be able to know the reasons for the rising and falling of various stocks particularly those with high value as those would most likely to move tremendously in a matter of days or sometimes even hours. Stock market game is not for everybody; your interest in the game should be on focus if you are not into it then it would be best not to invest.
Because this game is something that you are to engage yourself seriously otherwise you’ll end up gaining nothing and losing everything. Stock market game would give you the opportunity to gain more money and make good …Read more
After days, months and sometimes even years we all need a holiday, a vacation, some quality time off, with family or friends or alone to relax, rejuvenate and revitalize our body mind and soul. Working under the same conditions, day in and day out can always ware us down and decrease our performance levels. Sometimes, the solution is not to work harder and concentrate, the solution is to take some time off and enjoy some quality, if not quantity time to relax and reignite your mind. And how are you to fund this holiday of yours, especially because holidays need lump sum amount of money? The best option to opt for Holiday Loans, rather than canceling on quality time.
These monetary funds are of two main types; secured and unsecured types. The lender provides you with different amount ranges and repayment time periods in each case. In both the cases, you can apply for an extension, sighting valid reasons, which will be given along with an added interest rate.
Both these types of Holiday Loans, secured and unsecured, have their own advantages and disadvantages. In case of secured type, its advantage is that the interest rate charged is lesser than unsecured type. But, its disadvantage is that you are required to mortgage some land holdings with the lender as security. You must make sure that the value of the land must be in accordance with the total amount borrowed. You must make sure to repay your loan within the stipulated time limit; otherwise your land holdings will be ceased. On the other hand, in case of unsecured fund type, its advantage is that you are not required to mortgage any land holdings with the lender as security. As this puts the lender at a risk of losing a high amount …Read more