#cellphoneapps

[mizck81]

Engaging the students with their cellphones...using it as a tool! #technologyintheclassroom #classroomtechnology #teachingwithatwist #cellphoneapps #teachingideas #teachingapps #teachernerd #teachmath #teachermode #photooftheday #videooftheday #vidoftheday #learningisfun #learningwithcellphones #polleverywhere #myclassroom #teaching #lovemath #lovewhatido #passion #technerd #ohyeah #like4follow #like4like #likeforlike #likeforfollow #teachersofinstagram #teachersfollowteachers #awesome #interesting #studentresources (at My Teacher cave)

[cammyanchor]

[PEDIDO] CatrinaBlack

Este trabajo fue un desafio por el dorado x.x

Me gustaron los colores ♡♡♡ Y la idea... leí el perfil de la chica que su Gardi es mitad zora y otra raza de Hirule que no sé mencionar en este momento xd

La otra vez leí que habian más fans fel Furri por The Legend Zelda: BotW xD Es que hicieron a los Zora y los Ornis demaciado bellos... Los vi... y tienen razón *-* xD

Juego: Eldarya

App usada: Pixel Studio

[stephmiller41]

One of my prizes from just playing on this App!! #luckydayapp #prizes #cellphoneapp #freegames #waterbeads #luckyday #luckyday🍀 https://www.instagram.com/p/BqGB8zhF1qP/?utm_source=ig_tumblr_share&igshid=lp1kc9k1am4c

[shadynutjellyfish-blog]

Reviews of MSPY App

Read the reviews of one of the Best monitoring app named mSpy. Click here : http://reviewspyapps.com/mspy-review/

[instatrack]

If you don't already have the Shazam app on your mobile phone, download it now! Listen to 102.3 XLC this weekend and Shazam our station when we tell you to for your chance to qualify for our Funjet Vacations Fun In The Sun giveaway. We'll have multiple opportunities and you can enter each time we tell you to Shazam! . . . #shazam #funjetvacations #funjet #vacation #trip #trips #travel #wanderlust #1023xlc #radio #win #contest #contests #sweepstakes #win #prizes #prizegiveaways #mobilepp #cellphoneapp #cellphone #mobilephone #cell #app http://ift.tt/2q77h5Q

[instapicsil3]

If you don't already have the Shazam app on your mobile phone, download it now! Listen to 102.3 XLC this weekend and Shazam our station when we tell you to for your chance to qualify for our Funjet Vacations Fun In The Sun giveaway. We'll have multiple opportunities and you can enter each time we tell you to Shazam! . . . #shazam #funjetvacations #funjet #vacation #trip #trips #travel #wanderlust #1023xlc #radio #win #contest #contests #sweepstakes #win #prizes #prizegiveaways #mobilepp #cellphoneapp #cellphone #mobilephone #cell #app http://ift.tt/2q77h5Q

[kaye082]

My cellphone Apps: Facebook, Viber and Messenger - i used to update with Family and Friends Twitter - i used to join Twitter party with ALDUB Nation Instagram - i used to post photos that I want to share with limited audience only Spotify - i love to listen to music while travelling Snapchat - i only download this because I want to see updates of Maine Mendoza and Alden Richards. Faney lang ang peg. Tumbler - i used to post what's on my mind that i can't share personally to anyone. Wattpad - once, i dreamed to be a writer so sometimes i tried to write. Moon Reader - i love to read.

[newlifemortgages]

Are you thinking about buying a home soon? If you're curious to see what's in your budget, check out our easy to use mortgage affordability calculator. 🏘 

(Click the link below)

https://www.newlifemortgages.ca/index.php/mortgage-calculators    

Customer service and ensuring our customer's answers and needs all get taken care of is our number one goal.

If you're thinking about buying a new home give us a call for a free consultation.

www.newlifemortgages.ca

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages 

[newlifemortgages]

www.newlifemortgages.ca

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages

[newlifemortgages]

Consolidate Your Debt and Save 💳 🏠

Use your home equity to reduce your credit card debt.

Are you held back by high-interest rate debt? Get debt-free sooner and immediately increase monthly cash-flow by consolidating all your debts into one lower interest rate!

Why pay high-interest rates on your bank's credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing "good debt" from "bad debt". A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

1. Consolidate high-interest rate credit cards to one lower rate. 💳

2. Save money and increase cash flow.

3. Reduce stress knowing that your financial situation is now manageable.

If you want to reduce your debt, contact us today to review your options and immediately start saving money.

https://www.newlifemortgages.ca/index.php/mortgages-debt-consolidation

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages

[newlifemortgages]

Residential Market Commentary - Fending off fear

The months ahead – as the Coronavirus pandemic plays out – are shaping up to be trying times. For people with debt, and in particular mortgage debt, money could get tight.

Canadians are still heavily indebted – $1.76 in debt for every dollar of disposable income. And now they are losing their incomes at an unprecedented rate. Last week saw 500,000 new jobless claims in just four days. That is 2.5% of the workforce. Hundreds of thousands more are on the way as industries across the country announce more and more cutbacks and shutdowns.

Borrowers have every right to be concerned, but they should not be afraid. Steps are being taken to protect them, their businesses, their employers, and the overall economy. Ottawa has an $82 billion aid plan and the Bank of Canada has slashed its trendsetting interest rate. The Central Bank is also buying $50 billion in insured mortgage debt in order to give lenders more options.

These are uncertain and, therefore, unsettling times. The biggest problem, beyond the COVID-19 outbreak itself, is fear of the unknown. Anxious mortgage holders need to know that there are many options at their disposal and that lenders are ready to work with them. 

 https://www.newlifemortgages.ca/index.php/blog/post/134/residential-market-commentary---fending-off-fear

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages

[newlifemortgages]

Buying season off to a brisk start🏡

The annual spring home buying season seems to have jumped the gun and is already out of the blocks.  Canada’s biggest and busiest markets are reporting significant sales and price increases based on activity recorded even before the announced easing of the B-20 stress test and the, coronavirus inspired, drop in the Bank of Canada rate.

February figures from Greater Vancouver show a 45% sales increase over a year earlier.  Toronto is reporting a 46% jump.  Calgary, which has been struggling because of the depressed energy sector, saw a 23% increase.  Montreal continues to boom with a record setting 5,334 sales in February – a 23% increase over a year ago.

Of course, last February’s numbers were extraordinarily low, which takes some of the shock value out of the increases.  However, prices are seeing renewed acceleration.

Vancouver’s MLS composite benchmark price stands at $1.02 million.  That is just 0.3% higher than a year ago, but it is a 2.7% increase over the past six months.  In Toronto the composite benchmark price increased by 10.2%.  The average sale price for all types of housing rose to $910,000.  (The average price for a detached home has, once again, topped $1 million.)  Montreal’s median price is up about 12%.  Calgary remains, essentially, flat.

Markets across the country are tightening as sales outpace new listings, signalling the strong probability of even greater price acceleration.

Given the recent actions of the BoC, the announced intentions of the federal government, and the slumping bond market it seems unlikely there will be any move to step on the brakes.

https://www.newlifemortgages.ca/index.php/blog/post/132/buying-season-off-to-a-brisk-start

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages

[newlifemortgages]

Customer service and ensuring our customer's answers and needs all get taken care of is our number one goal.

If you're thinking about buying a new home give us a call for a free consultation.

www.newlifemortgages.ca

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages

[newlifemortgages]

Thinking about buying your first property?

Tired of passing your hard-earned money for rent over to your landlord? Maybe you've built up some savings and have a downpayment for your own property. No matter what your situation is, I help simplify the buying process and worry about all the financing details so you can get down to finding the right property for you and you're family. I'm here to help you get the best rate and mortgage terms around

Give us a call today.

Make sure you get pre-approved first and lock in your rate!

Each mortgage application is different and we will help you figure out the numbers so you can stay focused on shopping for properties within your approved price range. You and your real estate agent will know exactly how much you can comfortably afford along with the assurance of a locked-in rate - all at no cost to you

The Canadian government offers a wide arrange of incentives for first time home buyers that can help you purchase your new home. For residents living in Ontario, there’s a first time home buyer tax credit and rebate also RRSP home buyers plan, Land Transfer Tax Rebate, GST/HST New Housing Rebate and the first time home buyer incentive program. All of these programs are essential for you to use when buying your first home. New Life will make sure that we inform you and educate you on all of these programs that are offered.

First Time Home Buyer's Tax Credit

The first time home buyers tax credit is one of the great rebates at the end of the year that you can claim after you buy your first home. The rebate is for $750 for all first time home buyers and must be claimed within a year of your home purchased. The rebate was introduced by the Canadian Federal government in 2009. This rebate helps recover some of the costs of buying your first homes such as legal fees and home inspections. To claim your $750 you must include it with your personal tax return underline 369. If you have any questions about the first time home buyer’s tax credit feel free to reach out to Dallas Martin at 519-495-7250.

First Time Home Buyer's Land Transfer Tax Rebate

For first time home buyers in Ontario, you can get a land transfer tax rebate of up to $4,000. Ontario land transfer tax rebate will cover the full tax of a home purchase of up to $368,333. For houses that cost more, you will need to pay the remaining balance of the land transfer tax. If you live in Toronto the land transfer tax rebate will go to $4,475. Your real estate lawyer will go over your land transfer tax rebate at signing.

RRSP Home Buyer's Plan

First time home buyers are able to withdraw from your RRSP to help pay for your down payment on a new home. The government allows you to take out $35,000 from your RRSP TAX-FREE! You will have to make repayments back into your RRSP. Payment must start after two years of your purchase and you have 15 years to make all of your payments. You can put it back in as quickly as you want but it must be paid back in 15 years.

GST/HST New Housing Rebate

This with help first time home buyer’s who paid GST and HST by renovating an existing home, buying a new home or rebuilding one due to loss to fire. The home must be owner-occupied for you to qualify for this rebate. This will help you get a portion of your taxes that you have put into the home back into your wallet.

Customer service and ensuring our customer's answers and needs all get taken care of is our number one goal.

If you're thinking about buying a new home give us a call for a free consultation.

https://www.newlifemortgages.ca/index.php/mortgages-first-time-home-buyers

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages

[newlifemortgages]

What Does The New Stress Test Mean for You?🤔

The federal government has announced its response to the rising chorus that has been calling for changes to the mortgage stress test.  It is small but it is, generally, being well received.

Starting in April the qualifying rate for the stress test on insured mortgages (usually those with less than 20% down payment) will be based on the weekly median 5-year fixed insured mortgage rate, plus 2%.  At the time of the announcement that would have been 4.89% (plus 2%).  That is 30 basis points lower than the currently qualifying rate of 5.19% (plus 2%) which is based on the posted 5-year fixed mortgage rates at the Big Six banks.

The change will help address a key concern about the current stress test, which was implemented in 2016.  Critics have complained that the big banks are artificially inflating their posted rates because those rates are used to set mortgage prepayment penalties.

Actual contract rates have been falling for some time so the stress test rate has been moving further and further out of sync with real mortgage costs.  Using the new formula will allow the stress test to move as the market moves.

The federal banking regulator, the Office of the Superintendent of Financial Institutions (OSFI), says it is considering the same benchmark rate for its stress test on uninsured mortgages (that is, those with more than 20% down).

As of right now, the new formula will only make a small difference, lowering the income requirement on a $300,000 mortgage by about $1,500.  Most market watchers see it as being most helpful to buyers who are right on the cusp of being able to pass the stress test.

Feb 24, 2020

Dallas Martin  

https://www.newlifemortgages.ca/index.php/blog/post/130/what-does-the-new-stress-test-mean-for-you

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocan

[newlifemortgages]

It's time to change. Get the perfect mortgage for the perfect home.

Learn more👇👇👇

www.newlifemortgages.ca

519-495-7250

Real Mortgage Associates

License#10464

Mortgage Agent -M17001133

#mortgage #realestate #realtor #mortgagebroker #home #newlifemortgages #investment #property #realestateagent #househunting #broker #mortgagelender #refinance #homeloans #finance #homeloan #firsttimehomebuyer #commercial #instalike #dreamhome #money #realtorlife #cellphoneapp #creditrepair #loan #londonontariocanada #newlifemortgages