A Whole new take on Hemingway's 'Moveable Feast'! I hope you've enjoyed the ride ~ and here on the last installment of this 5 part serie...........The prize winners!
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
In the tradition of Parts I & II...The Show was Definitely on the Road! Rows and rows of shiny reds, greens, blues and blacks; old-time Chevelles, Camaros and Mustangs; chopped, chromed and customized. Classic truck and police patrol stationed at the old firehall on Young Road, and everyone's favorite Lamborghinis and Jaguar Minis :-)
"The downtown area shut down, restaurants moved outside, merchants came out to the sidewalks and mingled with the enthusiasts!
I understand that some of these events -for a minimum donation you can actually go for a ride in some of these classics - unfortunately this wasn't one of then ! :-)
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
Cars, cars and more cars! Over 300 cars took a sabatical from their garages and barns and strutted their stuff at Chilliwack's Village Classic Car Show~
With more then 7,000 people, a live Band and a midway with cotton candy and hot dogs Chilliwack sparkled in the Sunday Sunshine.
The gorgeous colours dazzled...and Antique Buffs weren't disappointed!
And who doesn't like furry dice?
Totally Retro... Even a Schneider's Hotdog mobile!
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
Ooooh............Well one of favorite things that you all probably don't know - are Classic Cars........and on Sunday I was in my Glory! Chilliwack hosted a Classic Car extravaganza ~ for blocks around the Five Corners.......everything from Model T's, to Edsel's.......to Muscle Cars & Monster Trucks.....I just had to share!
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
Yesterday I did a post called: The Pantry Recession - The Coupon Lover's Heaven ....so if you're serious about Hard Core Cheap - THIS is the Cheapskate LIST! Its a bit tongue and cheek so don't get bent out of shape o.k.? :-)
1. Don't have children. The days when having kids meant you were growing your own farm-hands are long gone. They are an inefficient (and unreliable) retirement plan for your old age. Take ‘em or leave ‘em, having kids is a very expensive hobby. 2. Create, live by, monitor, and update a financial and life plan. Day to day decisions are so much easier if you have a guiding plan with clear goals. You'll feel good about your documented progress. You'll be able to examine and adjust behaviors that aren't working. Know why you're being cheap. 3. Think before you spend. Question every purchase. Do I need it, or want it? How long did it take me to earn this? Is there a cheaper alternative? 4. Adopt a physically healthy lifestyle. Healthy living is cheap at the start (no expensive cigarettes, fresh, unprocessed foods are the least costly items you'll find at the supermarket, exercise moderately - no gym membership needed), in the middle (most health care costs are incurred due to preventable, lifestyle diseases), and in the end (life insurance is cheaper for the healthy, and terminal illnesses are usually shorter, less costly). 5. Marry, and make your marriage a partnership. Two can live almost as cheaply as one. Statistically, If you can find a friend who will be your partner, you'll be happier, healthier, and wealthier. To marry for love is grand. Marrying for convenience has been good enough for most of human history. Combine both, and you're a very lucky cheapskate.
6. Don't divorce. Love the one you're with, or prepare to hire attorneys, cut your savings at least in half, and support two households where there once was one. Serial monogamy is another very expensive hobby. 7. Use debt only as a means to increase income, never to satisfy immediate desires. Debt is not bad in and of itself -it's a tool. Be sophisticated enough to learn not just how to avoid it, but when and how to use it effectively. 8. Develop your own "out-of-the-mainstream" tastes - be a contrarian. When you cultivate a personal style that's not determined by what your neighbors own or what advertisers want you to buy, you'll be able to get your toys for less! 9. Never spend more than you make. A simple rule that you may only break when you find opportunity for greater earnings. Run your personal finances like a business. You'll know opportunity when you see it, if you have a plan (see step 2, above). 10. Educate yourself. Become an expert on the things you must buy including insurance, auto maintenance, food, clothing, health care. Learn to identify trends in order to jump in early, or avoid them altogether. With knowledge, you can question convention and find your own, better, way. You can't be an expert on everything, so know your weaknesses and learn the value of hiring trusted professionals such as accountants, lawyers, doctors - and barbers! Learn enough to question their advice and be their partner in representing your interests.
....there's more to being cheap than can fit in a top ten list: 11. Shop for value, not price. The lowest price isn't necessarily the cheapest. Look for inexpensive quality in unexpected places. 12. Separate money from emotion. Treat money like a fact and derive neither pleasure nor anxiety from it. Let your spending be governed by logic and planning. Having said that, you're not a machine. Allow yourself a safety valve and know when to let up and have fun in order to avoid melting down and going on a spending spree~
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
Here We Go! Its Official.....NAME THAT PHOTO! We all have those photos that are Teasers ~ we know what they are (or maybe not ;-) but others might have to Guess! What are those 5 W's Again? What, Where, When, Why, Who......??? Preferably they're you're own photos - but exceptional exceptions can be made! :-)
Rules? Read the post, look at the photo, and then quickly go down to the comment box and take your guess... and THEN... look at the other comments, and maybe the comments from Poster... to find out what it is. Much more fun that way... doncha think ?
Please subscribe and Post ALL your Photo Teasers........Let's Have fun with this Photo Guessing Game! Click here or on Camera to SUBSCRIBE~
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
There was an article in the Globe and Mail by Paul Waldie...on Thursday that I thought was kind of interesting.
...When Catherine Watt's husband started balking at the price he was paying for Schick razor blades, she decided to do something.
*Ms. Watt began gathering coupons, requesting free samples and searching for bargains. She now has a bin of razor blades in the couple's home in Oshawa, Ont. "My husband never has to buy another razor," she said.
*Ms. Watt has used the same strategy to stock up on shampoo, dog food, frozen food, T-shirts and even baby formula. Her freezer is packed so tight she won't be buying much of anything for a long time. Many consumers hit hard by the recession are responding in the same way, being extra careful about their purchases and using up what they have at home before replenishing their pantries.
*So-called "destocking" by consumers and retailers, who don't want to carry high-priced brand names, is starting to hit the bottom line of many companies. Thursday, Kimberly-Clark Corp., which makes Huggies diapers and Kleenex tissue, said it is cutting 1,600 jobs or roughly 3 per cent of its work force because of slumping sales of its brand-name products.
*Procter & Gamble Co. is facing similar pressures and recently came out with lower-priced versions of Bounty paper towels and Charmin toilet paper, as well as a lower-cost line of diapers, Luvs. Even the average consumer is really looking at the prices when they are at the store.
Many shoppers are drawing on their reserves and are being extra careful about what they buy. When you look at how much you have in your freezer and how much you have in your cupboard, its just possible to waste less isn't it? Instead of just squeezing the Charmin we can actually looki and say how much am I paying?
Other companies, including Cadbury and drink maker Diageo and food conglomerate Unilever, are scrambling to come out with products to entice consumers back. Even sheep farmers in New Zealand are worried and have banded together to join an online wool shop that encourages shoppers not to abandon wool products for synthetic versions.
Its been called the "savvy shopper syndrome". Not so much a matter of what can we afford to spend, but rather what's the price we can get it for!
It time the big brands get ahead of the curve and start thinking pro-actively. The attitude of consumers has changed "from an environment of conspicuous consumption almost to an environment of conspicuous conservation."
Looking for deals? Check out these! If you know of any others please feel free to contribute! :-)
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
Well here it is the end of another school year......summer is hear and temperatures are on the rise......but they're not the only thing on the rise! Long term mortgage rates are also on the rise.
Back in May of this year you could get a 5 year discounted mortgage rate at 3.69%. Now that same discounted 5 year rate sits at 4.29%. However back in 1951 the 5 year rate was at 5.0%, so this makes the current rates still pretty darn attractive.
Mortgage rates are currently being driven upwards by the bond markets. The 5 year bond rate April 1/09 was 1.75% and has risen to 2.57% as of June 25/09, close to a 1% jump in just a short period of time.
The Bank of Canada meets again on Tuesday July 21st and from all indications they should leave the Overnight Rate at 0.25%. This should signal the Chartered Banks to hold their Prime Rate at the current level of 2.25%. The Bank of Canada has actually indicated that they will hold the Overnight Rate through to the end of the second quarter in 2010.
See Brief Highlights from the Bank of Canada's Monetary Report of April 2009 below.
*On some purchases the major lenders are having difficulty meeting the short "Subject to Dates" and extensions are required. *As you know the final approval process starts for the lender when they receive the Purchase Contract. *If the purchasers do not have all documentation to the lenders then this adds to the problem of meeting the dates. *Therefore it would be most helpful to all concerned, if the "Subject to Financing" was given an extra few days if possible. *I know that we all want the approvals as quickly as possible and subjects removed but just those extra few days means a lot in the approval process. *Also adding to the problem is getting the purchasers to submit all of the required documentation in a timely fashion. *This is where time can be lost as the lenders have to confirm the documentation to the mortgage application, insuring it is accurate. *So if the time could be extended it would be greatly appreciated by everyone in the processing of the mortgage approval.
If you or someone you know is thinking of buying or selling property in, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.
I look forward to this opportunity to share with both my fellow Realtors and my local community...some local anecdotes, tidbits of info - community profiles, real estate savy......interspersed with humor and inspiration!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
up on shampoo, dog food, frozen food, T-shirts and even baby formula. Her freezer is packed so tight she won't be buying much of anything for a long time.
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