Consolidate Your Debts Using the Equity in Your Home
What is Debt Consolidation?
If you’re like many Canadians, you probably have a variety of outstanding loans, including your mortgage, car loan, and credit card payments. While most Canadians may have a few other outstanding debts to pay, unsecured loans – like store and credit cards- come attached with a high interest rate. The higher the interest rate, the harder it is to pay off such debt. This is why debt consolidation programs are available – to help borrowers to pay off their high interest loans much quicker and easier.
Debt consolidation involves combining all your outstanding loans into one loan amount. This is done usually at a much lower interest rate, especially when compared to credit or store card loans. Not only is this debt easier to pay off thanks to the lower interest rate, it’s also easier to manage, since you’ve only got one monthly payment as opposed to several. When you consolidate debts Toronto Ontario, you can realistically pay off your debt much sooner, providing you with financial freedom sooner rather than later. You will also save much more money in interest payments, and probably have additional cash flow each month – depending on how aggressive you want to be with repayment.
How Can You Benefit from Debt Consolidation?
The benefits of debt consolidation are quite obvious. First of all, this rolled-into-one loan amount will typically come attached with a much lower interest rate compared to the other debt you may have been carrying since it is tied to your home. Credit cards in particular can charge upwards of 20%-30% in interest, making your monthly payment predominantly interest instead of principle, and you end up paying interest on the interest if you can’t pay it off each month. Another advantage for consumers when they use the equity in their homes to consolidate debts is the fact that they only have one loan to worry about, instead of many separate payments all due at different times. This makes it easier to manage and budget each month, and generally improves cash flow with the lower payment.
How to Get Started in a Debt Consolidation Program
If you’re finding it difficult to manage all your outstanding loan payments, you might want to consider taking advantage of a debt consolidation program. With today’s low home loan interest rates, the difference between a secured home equity loan and unsecured credit card debt can be 20% or higher. An experienced mortgage broker can help you get started with this program, and assist you in getting all your finances in order.
The professionals at Mortgage Medics are seasoned in the world of consolidating debts, and they’ll be sure to help you too! Visit their website today at MortgageMedics.ca or call (905) 847-6611 to schedule a free, no obligation consultation! They can also arrange a second mortgage, home line of credit or home equity loan so you can consolidate debts, make a big purchase, finance education, travel, etc. Put your home to work for you and use the equity to pay down high interest debt and buy the things you need now.
Getting a Cottage Mortgage Ontario for Your Vacation Home
Ontario has a vast amount of gorgeous lakes and cottage settings for Canadians to escape to during the summer months, or even all year round. Owning your very own cottage to use at your leisure makes vacationing that much more enjoyable and convenient. There are often bargains to be found in the fall or winter, and many cottages are also conveniently located near ski hills – making them the perfect year round destination.
When you have decided to purchase your own cottage or vacation home, it’s in your best interest to speak with a mortgage specialist, such as Claire Drage, who has the necessary expertise to help you arrange the best cottage mortgage to help finance your Ontario vacation home.
Cottage Mortgages – Consult the Experts
When you are shopping for a mortgage, you will naturally want to lock in a low interest rate. However, cottage mortgages are not necessarily only about rate, but also about the conditions and terms of the mortgage that will allow you to pay off this second home mortgage as quickly as possible. This is where the services of a knowledgeable mortgage broker can help arrange the perfect structure for your cottage mortgage Ontario.
There are generally two types of cottages:
Type A – These types of cottages are those that are generally used year round, even throughout the winter months. Because of this year-round use, these homes usually have heating and road access, and are zoned appropriately (residential, seasonal or rural). Home buyers can get financing for up to 95% of the home’s price.
Type B – These vacation homes are usually used only during the summer months, and therefore don’t usually need or have a heating system. These homes have seasonal road access, and can be financed up to 75% of the home’s price.
You can begin creating memories that will last a lifetime by spending quality moments with friends and family at a fun and relaxing vacation home. Getting a mortgage specialist to help you attain the proper cottage mortgage can help to make these memories happen right away.
Mortgage agents, like award winning Claire Drage, can find you the right mortgage terms, conditions and rates that are customized to suit your particular situation. Claire can connect with lenders across Canada, and find the one who will provide you with the lowest rates and the best terms possible. You only fill out one application and have one credit report pulled. Claire can then shop your cottage mortgage over big banks, private lenders, trust companies, credit unions and other financial lenders. Payment options can be quite flexible, and tailored to your financial position so that you can make comfortable payments, while paying off your mortgage as quickly as possible.
Get Claire to help you realize your dreams of buying the perfect vacation home for you and your family. Her and her team also do mortgage renewals, home equity lines of credit, new to Canada mortgages and mortgage refinancing.
Call Claire today for a personal and confidential financial evaluation and consultation. She could save you thousands on your mortgage – all at no cost to you! Give her at call at 289-679-0123 or learn more at www.yourmortgageoptions.ca.
Looking for the Best Hair Removal Salon in Mississauga?
Removing unwanted body and facial hair is all part of the grooming process. But certain methods are more effective than others at providing the smooth, long-lasting effects that you’re looking for. If you are tired of shaving every day, dealing with nicks and cuts and uneven results – then you should think about getting a professional hair removal treatment. Going to the best hair removal experts also makes a huge difference in the final result.
Professional Unwanted Body Hair Removal
Rather than going the DIY route, which typically ends up giving sub-par results, do yourself a favor and let the professionals remove your unwanted body and facial hair for you. Fortelli Salon & Spa of Mississauga has been a premiere day spa for over 20 years, with highly trained and experienced estheticians. Their team utilizes the latest techniques, and uses the best equipment and products available to make sure your results are smooth and long-lasting.
At this hair removal salon Mississauga, they fully customize treatments for each client. There are 3 highly effective hair removal services you can try: precision waxing, electrolysis or intense pulse light hair removal services. The method that is best depends on your personal wants and needs, including how much hair you have to remove, how fast it grows and your budget.
Waxing
Fortelli’s uses only the highest quality wax for hair removal purposes. The wax used on their clients comes directly from Italy. RICA, a premium quality Italian wax, includes ingredients from Mt. Etna volcano in Sicily, Italy. These high quality ingredients help ensure that your hair removal experience is as effective and gentle as possible. When you get your waxing done by professionals, they know the best techniques and can view the areas under high efficiency lighting, to get the most even results. You can choose one or multiple areas during your waxing session. Most popular are eyebrow wax, bikini, leg and backs for men.
Electrolysis
Fortelli Salon and Spa also offers electrolysis treatments to remove unwanted hair. Their technicians use a small needle that targets the hair follicle to remove the hair. Over a certain period of time and after a few treatments, electrolysis can be a very long-lasting and nearly permanent way to remove hair on your body and face!
Intense Pulse Light
For a more advanced means of removing hair, they also offer intense pulse light hair removal. With this method, the melanin in hair is targeted with a great deal of precision, removing the hair while leaving the surrounding skin untouched. This is a safe way to permanently reduce hair growth on specific areas of the body. Some of the most popular treatment areas are the chin, ears, upper lip, legs, bikini area and underarms. Men often do sideburns, the back and chest. You’ll be left with long-lasting, smooth results. If you really want to get away from shaving, investing in IPL therapy is your best bet.
When you are ready for smooth, silky skin, visit Fortelli Salon & Spa in Mississauga for the best hair removal results. You can learn more at www.Fortelli.com or call for an appointment at: (905) 824-4949.
Top 6 Reasons You Should Get Your Feet Checked
Podiatrists, also known as chiropodists in Canada, specialize in tending to the health of your feet. Many conditions can affect the foot which can cause problems in other areas of the body and also cause pain. A podiatrist – chiropodist in Burlington Ontario can help in these situations. Here are 6 reasons why you might want to visit a podiatrist.
Athlete’s Foot
This fungal infection can cause itching, cracks, blisters and peeling skin on your feet. While it’s more common between the toes, it can also show up on other areas of the foot as well. This condition, while not serious, can be incredibly bothersome, and is contagious –meaning it can spread to both feet or other parts of the body. A chiropodist can help recommend and prescribe effective topical creams that can be applied to get rid of Athlete’s Foot, while laser treatments of fungal conditions may be required for extreme cases.
Corns
Corns are calluses that develop on the foot which can be extremely painful, especially when wearing shoes. The pain is caused by the cone-shaped core that presses on an underlying nerve. Corns are quite common, and can develop on the sides, top and tips of the toes. Constant friction from footwear can cause them to become inflamed. A foot specialist can remove these corns to alleviate the discomfort they cause.
Cracked Heels
Wearing sandals with open backs or having excessively dry skin can lead to cracked heels which can be both unsightly and even painful. Soaking the feet daily and applying moisturizing creams at the end of the day can help to minimize the occurrence of these cracks, as can limiting the amount of time that open-back sandals are worn. Your chiropodist can help alleviate these cracked heels by prescribing topical medication.
Plantar Fasciitis
This occurs with excessive stretching of the plantar fascia (fibrous tissue that runs along the bottom surface of the foot from the forefoot to the heel). The inflammation caused can result in pain in the heel and arch of the foot. A chiropodist can help by prescribing specific medications that either alleviate pain or help eliminate the condition altogether. A newer treatment involves sonar waves or sonography – to help alleviate pain.
Improper Gait or Posture
If you have fallen arches, improper posture or gait, it can cause problems elsewhere in the body as the skeletal structure and muscles work to overcompensate. Left unchecked, the problem can become more severe over time, leading to pain and mobility issues. One corrective measure that is noninvasive and non-surgical is the use of orthotics. Corrective prescription orthotics are implants that you wear in your shoes to correct these problems and alleviate pressure on certain points for pain relief. Look for an expert who is highly trained in the specialty of prescribing orthotics to be sure you are getting the correct help.
Plantar Warts
Warts are unsightly and are very hard to control. Left unchecked, they can spread and multiply – making treatment even more difficult. Topical medications or ‘freezing’ are rarely effective. The newest method for treating warts on the feet is using a highly calibrated medical laser machine.
If you are looking for a foot specialist in Burlington Ontario, check out the Wilson Foot Clinic. Voted best in Burlington year after year, you can get the best care possible, and you don’t even need a referral. Simply call or go online today and book an appointment!
The clinic is run by Chiropodist Peter Wilson, a certified trained foot specialist with decades of experience. Learn more at www.wilsonfootclinic.com.
Boost the Lifespan of Your Business’ Flooring
Among all the tasks that you have to take care of for your business, cleaning the floors shouldn’t be one of them. Unfortunately, they have to be cleaned on a regular basis to make them visually appealing, free of germs, odors and debris. Regular maintenance with occasional deep cleaning can extend the life of your carpets and tiles, keeping them fresh, clean and lasting as long as possible.
Aside from regular maintenance, carpets and tiles should also be deep cleaned on occasion. How often will depend on the nature of your business and the amount of traffic you have on a daily basis. Health care, daycare, food industries and others need to be especially vigilant to avoid contamination, bacteria and illness that can stem from dirty floors and carpets.
Experts in the field of carpet and tile cleaning in commercial establishments are the best and most sound choice when it comes to having your flooring deep cleaned. Professional carpet and tile cleaning companies generally employ trained and certified personnel who understand the best cleaning products and cleaning methods to use that will remove dirt and debris without causing damage to your flooring. Certain floor cleaning equipment and cleaning solutions may not be suitable for your tiles. Not only will they not remove the buildup of grime on your tiles and grout, but they could even damage the tile’s surface or the carpet fibers.
Leave the Carpet and Tile Cleaning to the Pros
Aside from your everyday costs to upkeep and run your business, the physical structure and fixtures of the establishment also costs money, including your carpet and tiles. Proper cleaning and maintenance can help you avoid issues arising from unsanitary floors for your clients and employees. Flooring will maintain a cleaner appearance and not need to be replaced as quickly.
While routine maintenance can generally be done in-house, deep cleaning should be done by experts. One such company that operates in the Greater Toronto – Greater Hamilton area is SteamWorks Carpet Cleaning. Their staff is fully trained and certified in commercial tile and carpet cleaning. They use powerful truck mounted equipment and specialized cleaning techniques to make sure that the floors are not only left as clean as possible, but are handled with care.
If you or anyone who frequents your business has any allergies, asthma or other upper respiratory issues, they offer green cleaning solutions that are not only safe for you and your patrons, but also safe for the environment. They offer carpet cleaning and also tile cleaning with the option of grout color change to give floors a more uniform and fresh appearance.
For the best commercial tile cleaning company in Oakville, Mississauga and surrounding areas, call SteamWorks today at (905) 334-2917.
The Best Way to See Niagara Falls
If you’re in the Toronto area and are trying to come up with a fun day trip that won’t break the bank, then you absolutely need to consider a trip to Niagara Falls! Only 90 minutes away from the center of Toronto, going to Niagara Falls is a breeze, especially if you do it through an organized day trip from a reputable tour operator like Niagara Day Tour. This trip will definitely be one that you won’t forget!
The Mesmerizing and Infamous Niagara Falls – A Site You Need to Check Out!
Niagara Falls is gorgeous all throughout the year. No matter what season you’re in, it’s a landmark that must be seen. While the summer tends to be a highly popular time to check out the Falls, the winter offers spectacular views of the ice formations on the side of the falls that look simply divine when the colorful lights are shone against them every evening throughout the winter months! In the fall, the leaves on the lush trees turn beautiful shades of orange, red and yellow and the wine season is in full swing. Summer offers a plethora of flower gardens that are world renowned while spring is a great time to witness the emergence of the flowers that have been hiding during the winter. Summer tends to be the most popular time of year, but spring and fall are great seasons to fill with a day trip and visit Niagara with no crowds.
Adventure Awaits at Niagara Falls!
Besides checking out the Falls themselves, what else is there to do in the area, you ask? Plenty! The Niagara region is a place for adventure! You could literally spend hours or days checking out new sights and attractions in this hot spot! Why not get a bird’s eye view of the majestic falls by taking a helicopter tour? If that gives you too many butterflies in your stomach, check out the view from atop the Skylon Tower!
Take a stroll along the Niagara River for plenty of photo ops. Check out Clifton Hill, which is loaded with eateries, rides, museums, haunted houses, and arcades to fill your day. Have a picnic at one of the many parks along the Niagara Parkway, or even grab some grub at Table Rock that’s situated right at the brink of the Horseshoe Falls. There is certainly plenty to do here! When you do a tour, you will also visit the floral clock, the world’s smallest wedding chapel, Niagara on the Lake (one of the prettiest towns in Canada) and a local winery – where you can try the famous Ontario ice wine!
Book Your Trip From Toronto to Niagara Falls Today!
When you’re ready to book your trip, loo to Niagara Day Tour, the best there is when it comes to trips from Toronto to Niagara Falls. This tour operator will send a knowledgeable tour guide to pick you up your Toronto area hotel or meeting spot, allow you to check out some spots along the drive, then give you up to three hours at the Falls! Visit www.NiagaraDayTour.com today! Full day (9 hour) tours start at just $79. Don’t miss Niagara when you visit Ontario.
Wipe Out Your Credit Card Debt
Many Canadians have a debt for a number of different reasons. Some are still paying off their student loans, some have car payments to make, some financed a home renovation, made a large purchase, and so forth. Among the most common type of debt in this country is credit card debt. Unfortunately, this type of debt is often the most difficult to eliminate, because the interest rates that often accompany these cards are typically extremely high. In fact, they are commonly over 18%, and as high as 30% for some store cards, making it tough to pay down this debt once it starts to accumulate.
Each month, whatever amount is still owed on your credit card will be subject to this high interest rate. Unpaid amounts also start to accumulate interest, making it more difficult to pay off. The higher the debt outstanding, the more you will be paying in interest charges, which is essentially like throwing your money away. If you don’t get a handle on your credit card debt, you may find it nearly impossible to end the debt cycle.
Make Use of Credit Card Debt Consolidation
While paying off mounting credit card debt may be extremely challenging, there are ways to help the average homeowner to pay down such debt, including debt consolidation.
Debt consolidation basically involves using the equity that you have built up in your home to pay off your debts, – including high interest ones like credit card debt – and consolidate them into one loan payment.
Secured home loans that are based on home equity are considered by lenders to be low risk. By being accepted for a Canadian home equity loan, you can use this freed up capital to pay off your high-interest credit cards and other debts.
Consolidating your debt will allow you to free up cash, which you can use to pay off all of your existing loans. You could save as much as 22% or more, resulting in thousands of dollars in interest savings per year. Using this low interest rate to pay off all your debt means you’ll only need to worry about making one loan payment per month, at a much lower rate of interest. This will help you will cash flow so and can lower your monthly payments. This also translates into paying off debt much quicker and sooner, as more of your money is going towards principal rather than interest.
Options for Credit Card Debt Consolidation
If you think debt consolidation is something that would benefit you, call the experts in such financial programs, like Claire Drage from Mortgage Medics, show you your options. You could get a home equity line of credit – which is a set amount but you can borrow and pay back as you need it. Another option is a home equity loan, which gives you a lump sum that you can use to pay credit cards, make a large purchase, fund an education or home improvement project – whatever you need it for.
Claire and her award winning team can help you lower your monthly payments, and save you money on interest payments. She’ll help you get a great rate on second mortgages, secured lines of credit, and more! Contact MortgageMedics.ca today to discuss all your options when it comes to eliminating your debt, and saving thousands of dollars in the long run!
Call today at (905) 847-6611, A Mortgage Medic is standing by!
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