We are all staring at our smart phones days and nights. From the age of 1 to the age of 99. The phones are ringing, beeping, and making all sorts of sounds to be noticed. So, why on earth don't we respond?Why on the phone, via text or e-mail cant we be polite just like we are in a face-to-face communication?You received documents, or information, or e-card - just say "thank you"!Someone asked you a question - just respond something, acknowledge, tell them you are working on getting the answer and will get back to them later.Your phone rings and you cant answer? - text message takes 30 seconds and half a finger move to send - just let them know you are still aliveYou don't know who you are ignoring so don't ignore. In any case those are people and people don't deserve to be ignored.Looki... 03/10/2016

  Geting ready for winter ! Here is the checklist to review.    1. Have your furnace or heating system serviced by a qualified service technician, or as recommended by the manufacturer.   2. Have chimneys professionally checked and cleared of any obstructions or animal nests.   3. Pop off the vent covers on heating ducts to vacuum out any surface dust or debris inside.   4. Stock up on furnace air filters, which should generally be changed monthly during the heating season.   5. Take a look at visible ductwork to see if seams remain tight and insulation or duct tape is intact.   6. Clean the vent covers on bathroom exhaust fans and range hoods.   7. Make this your regular time of year to check and replace batteries on smoke and carbon-monoxide detectors.   8. Switch out window screens f... 10/09/2011

Terms Bank Rates Preferred Rates 6 Month 4.45% 4.40% 1 YEAR 3.70% 2.64% 2 YEARS 4.05% 3.40% 3 YEARS 4.55% 3.62% 4 YEARS 5.19% 3.79% 5 YEARS 5.69% 4.19% 7 YEARS 6.49% 4.79% 10 YEARS 6.85% 4.99% Rates are subject to change without notice. *OAC E&OE Prime Rate is 3.00% Variable rate mortgages from as low as Prime - .75%  If you require a referral to a mortgage broker, then please let me know. 04/18/2011

Maybe this is the "RIght" Time Ontario Real Estate Source Brian Madigan LL.B. Frequently, real estate buyers and sellers wonder whether they have missed the market. Sometimes, they have. So, what would you say about mid April 2011? The market has shown steady growth and sales. The first quarter numbers show that the pace is steady and the more recent March numbers have been the second best on record. And, something which is particularly important for sellers, the sale prices have never, ever been higher. Let's see what percentage of homes have sold in the first quarter of each year since 2004: 2004..........23.22% 2005..........21.67% 2006..........24.13% 2007..........25.69% 2008..........23.19% 2009..........16.69% 2010..........25.69% 2011........yet to be determined The sales in th... 04/18/2011

April 13th, 2011                   Prime Rate: 3.00%                     1yr 2yr 3yr 3yr VIRM 4yr 5yr 5yr VIRM 7yr 10yr Laurentian Bank 2.70 3.35 3.75 Prime-0.55 4.04 4.14 Prime-0.75 5.04 5.29 TD Bank 3.29 3.65 4.00 - 4.14 4.39 Prime-0.65 5.14 5.34 National Bank 3.19 3.55 3.89 - 4.04 4.24 Prime-0.70 5.04 5.24 First Line - 3.95 4.30 - 4.44 4.19 Prime-0.75 5.55 5.64 First National 3.19 3.59 3.69 - 3.79 4.24 Prime-0.75 5.10 5.34 ING 3.19 3.59 3.69 - 3.79 4.34 Prime-0.75 4.79 4.99 Scotia Bank 2.64 3.40 3.99 - 4.14 4.39 Prime 5.29 5.79 DesJardins 3.45 3.65 4.10 - 3.99 4.09 Prime-0.85 - - MCAP 3.19 3.59 3.69 - 3.79 4.04 Prime-0.75 5.10 5.40 Alterna 3.10 3.55 3.65 - 3.94 4.04 - 5.90 6.35 Hometrust 3.99 4.39 4.59 Prime+0.50 4.99 5.09 Prime+0.50 - - Equitable Trust 3.70 4.05 4.30 - 4.94 5.19 - ... 04/13/2011

Terms Bank Rates Preferred Rates 6 Month 4.45% 4.40% 1 YEAR 3.70% 2.64% 2 YEARS 4.05% 3.55% 3 YEARS 4.55% 3.69% 4 YEARS 5.19% 3.79% 5 YEARS 5.69% 4.04% 7 YEARS 6.49% 4.99% 10 YEARS 6.85% 4.99% Rates are subject to change without notice. *OAC E&OE Prime Rate is 3.00% Variable rate mortgages from as low as Prime - .75%  If you require a referral to a mortgage broker, then please call me at 905-796-8888 04/12/2011

Mortgage Rates are Rising Three major banks, Royal Bank, Bank of Montreal and TD Canada Trust are raising their fixed rate mortgages today. For those who wish to ensure "peace of mind" in the buying process, this will raise the price of a property. If the trend extends to variable rates, and across the board to other institutions, this could have a negative effect on the Spring market. If you are planning to purchase then you should lock-in a mortgage rate today. If the rate goes up before closing you are protected. If the rate goes down, then you get the benefit of the lower rate. If you would like a referral to a mortgage broker, then please call me at 905-796-8888. Brian Madigan LL.B., Broker is an author and commentator on real estate matters, if you are interested in residential or... 04/05/2011