James Hambling | (780) 460-8558

 

 

When your mailbox is full, it's an indication the house or apartment is vacant. Consider replacing a small mailbox with a larger one to keep your mail out of sight. If you are going to be away for more than two days, ask Canada Post to hold your mail and call the newspaper office to stop delivery until you return. Have a neighbour hold any free newspapers and junk mail for you. A pile of papers and mail is a clear sign your home is vacant.

Burglars can pick up on all sorts of signs that you're away. The "lived-in" look can fool them. Arrange to have someone mow the lawn or shovel the walk, clear your car off if it snows, or park a car in your driveway if you're taking yours. You can even ask a neighbour to put a bag of garbage at your curb on garbage day.

Give a trusted neighbour a spare set of keys and tell him or her:

◦when you're leaving and returning, ◦where you're going, ◦how you can be reached in case of emergency (a phone number), ◦when you expect to return, and ◦if anybody will be at your home (gardener, repairperson).

Ask the neighbour to keep an eye out for anything suspicious and simply to check your house once in a while. A house that is dark 24 hours a day is a telltale sign. Set lights on timers in various rooms. Timers are inexpensive and effective, especially the multiple-program type.

Have the lights go on and off at different times each day, so a burglar can't pick up on a pattern. Using timers on lights or certain appliances gives your home a "lived-in" look that thwarts robbers. Motion sensor lights outside can also startle a burglar and make him flee. Consider installing them at the front and back of your house.

Don't advertise that your home is empty by leaving notes on your door saying you're away. People sometimes do this when they're expecting deliveries, but if a burglar reads it you may just as well leave the front door open. Ensure your doors and windows are securely locked. Don't forget about the garage; unplug the overhead opener....

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Bank of Canada Key Policy Rate


No Key Rate Change, Again!

The Bank of Canada announced earlier today that it is keeping its key policy rate steady, which means no changes for variable rate mortgage holders; the prime rate for most lenders should stay at 3%. 

The Bank's statement noted that "global financial conditions have deteriorated since April, with periods of considerable volatility" and that "global headwinds are restraining Canadian economic activity."

They continue to mention that future rate hikes may be necessary by cautioning that "some modest withdrawal of the present considerable monetary policy stimulus may become appropriate, consistent with achieving the 2 per cent inflation target."

The Bank's next rate decision is scheduled for September 5.

If you are considering a fixed-rate mortgage, the great Canadian mortgage sale continues this summer, with historically low 5 and 10-year fixed rates.  Take advantage.

 

If I can be of any help - please don't hesitate to call me - 780-967-0079.  Take care - James

 

Information complements of Ric Tober @invis

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Gates open at 10:00 am rodeo starts at 1:00 pm.

Sadle Bronc Riding, Tie-down roping, bull riding, bare back riding, wild cow miling and many other events - admission is $5.00

Come and spend the day - enjoying local talent and northern rodeo talent as they compete for the title today.

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First-Time Hombuyers


DREAMING OF HOME: First-time homebuyers shouldn't worry

Talk about mixed messages. There's concern that the new mortgage rules might push first-time homebuyers out of the market. But mortgages are still a pretty amazing bargain – historically speaking. In fact, some are calling it the great Canadian mortgage sale. So what's a first-time homebuyer to do? Is buying a home right now a reckless risk... or a great, time-limited opportunity?

Home ownership can make great financial sense. Over the long term, residential real estate has been a very strong asset – showing excellent appreciation. Renters who add up what they've shelled out during their renting years are often shocked to see how much mortgage help they've given their landlord. Most would prefer to have that money build their own home equity. 

If you're dreaming of a home of your own, then there's good news. Getting into today's housing marketing isn't out of the question if you do some good common-sense planning.

Over the next few weeks we'll offer some tips for first-time homebuyers – to ensure that you get off on the right foot in your home buying journey!

Information complements of Rich Tober @invis

Let me know if I can be of any help – James – 780-967-0079

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James Hambling
Office:(780) 460-8558
Fax:(780) 967-5134
James Hambling Century 21 Masters
110 – 5 Giroux Rd
St. Albert, Alberta
T8N 6J8 Canada

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Data is deemed reliable but is not guaranteed accurate by the REALTORS® Association of Edmonton.