Protecting Your Investment in Oakville Real Estate
Just when you think homes in Oakville, Burlington, Mississauga, Milton and the surrounding GTA can’t get any higher – they keep rising! It makes sense to invest in your home, to maintain its value and to bring you top dollar when the time comes to sell. While your home is your biggest investment, it is also where you spend most of your time and make memories with your family. Therefore, it pays to renovate the home to suit your needs and to keep it in top shape.
Many homes in older areas are not updated to reflect current styles and modern comforts. As families grow older, needs often change and remodeling can become necessary to make the space more functional. More room is often needed, so homeowners finish basements or add on home extensions. Other times, walls need to be removed to give a more open floor plan, or windows need to be expanded to let in more light.
Regardless of how big or small your home renovation project may be, it pays to have expert help rather than try to attempt he jobs yourself – unless you happen to be a contractor. Firstly, it is wise to get an interior designer, so you can plan and visualize what the final results will look like with the help of 3-D renderings and expert advice. Mistakes can be very costly and this step can help you avoid many pitfalls. Secondly, it is important to hire top electricians, carpenters, stone masons or whichever trades the remodeling necessitates. Thirdly, if you do not have the connections or skills to oversee the work being done, it makes sense to hire a renovation project manager. A project manager can hire the necessary trades, order/choose the materials and coordinate the workflow so the project goes smoothly.
If you are in Greater Toronto, you can find all you require for your successful home remodeling projects with Divine Home Interiors. This Oakville interior design company can do the 3D imaging plans and print specification sheets for your general contractor. They also do renovation project management, where you can decide how much work you want to undertake, or simply allow them to coordinate a team of reliable and experienced professionals to make sure your projects are completed on time and on budget.
To learn more about their services, visit their website at www.divinehome.ca or call Suzie at Divine Home to book a consultation at 905-466-2503. They also do interior decorating including color consultation, flooring and window treatments as well as lighting. Thinking of selling or you have just bought a home? Make the most of your space with their home staging services. They can also advise you as to which projects bring the best return on investment. Happy renovations!
Summer Dance Camps at Burlington’s Favorite Dance Studio
Even though it is cold outside, it is time to start thinking about summer camps for the kids, especially when it comes to fun and exciting camps that sell out every summer.
Burlington’s favorite dance studio, Creative Edge, has just announced their lineup of fun summer dance camps 2016. Some favorite themes are back, including Frozen. Two weeks will be dedicated to the Next Step dance camp – following the theme of the popular TV dance show. New themes for this summer include Star Wars; the Jungle Book and Finding Dory.
Regardless of the dance theme, campers will have fun in the 12,000 square foot, air conditioned dance studios at Creative Edge. Camps run from 9 AM to 4 PM daily, but before and after care is available – starting at 8 am and ending at 5 pm.
All of the camps include dance training in such popular genres as jazz, ballet, lyrical and musical theatre. Creative Edge is also well known for its acro dance – which combines elements of gymnastics, tumbling and acrobatics with dance moves. Fun jump rope activities, where campers skip to music, are also part of the sessions.
Kids can have fun while learning dance technique, movements and exploring their theatrical sides. At the end of the week, campers put on a Finale presentation where they get to show their moves and what they have learned that week.
Every year, these reasonably priced camps sell out – with the most popular themes going very quickly. Many campers return year after year to reconnect with friends they have made while also meeting new friends. What a great way to spend a week or more in the summer – having fun, being active and building their love of dance. Since the camp takes place indoors, there are no weather concerns.
To learn more about these summer dance camps, visit www.CreativeEdgeDance.ca or call 905-220-0741.
Preserve the Interests of Your Family during a Divorce
No one ever expects to have their marriage end when they initially take their vows. Unfortunately, a number of circumstances can occur during a marriage that can cause a strain on the spouses. The couple may grow apart, finances may cause a strain, and other more trying occurrences may lead to a separation. Whatever the case may be, divorce is tough, but it doesn’t have to be made any harder than necessary. Trying to remain respectful and considerate throughout the entire process can really make the process much easier, faster, cheaper, and less stressful for everyone involved, including kids. Of course, a divorce lawyer Oakville should also be part of the equation.
Using Collaborative Family Law to Amicably End a Marriage
Rather than opting to drag a divorce through the courts and allow a judge to make decisions on marital issues on behalf the divorcing spouses, there are other options that are preferable when the couple is able to work together in an uncontested divorce situation. One alternative method for dissolving a marriage is collaboration through the guidance of a Collaborative Family Lawyer. This method is ideal for those who are still able to remain reasonable and respectful of each other, and maintain a level of cooperation to resolve the marital issues. A collaborative family law approach helps to preserve the interests of all family members using open communication and respect and protect the rights of the children and spouses going forward.
If the spouses both agree to this method of separation, they then enter into a Participation Agreement, along with the signatures of their respective lawyers and other professionals on the team. The role of the collaborative family lawyer is to provide legal advice and information to their client, while preparing a fair separation agreement that protects their client going forward. This voluntary method helps to resolve conflict in a much more cooperative manner and puts the control in the hands of the divorcing couple – not the judge.
Keeping Divorce Dignified and Respectful with a Trained Expert
For support and assistance in ending a marriage through collaboration, contact Diane Daly and her team of experts. Diane is an experienced divorce lawyer who has helped many couples end their marriage using collaboration as the process of choice. Visit www.OakilleLaw.ca today to determine if collaborative law is right for you or if other methods of avoiding divorce court – like negotiation or arbitration – are more appropriate. You can also call Diane’s team in Oakville (serving all of GTA and southern Ontario) at (905) 844-5883.
Reasons Why You Should Work With an Independent Mortgage Broker
If you’re in the market to buy a home, the first place you may think of when you need to obtain a mortgage is a big bank. While banks do offer mortgages, they are only able to offer limited options to clients in the form of their own home loans. Instead, mortgage brokers, like Verico, are able to offer borrowers many more options, since they deal with the banks as well as credit unions, financial trusts, private lenders and others. If you are new to Canada, self employed, have bruised credit or other especially circumstances that may lead a conventional bank from saying “no” to a mortgage application, you will have a better shot getting approved when you go through a mortgage broker.
You’re Protected
Ontario mortgage brokers have a specific goal to provide you with the best and unbiased advice about the mortgage you are looking for. They are obligated to recommend a suitable mortgage for your situation, and why that particular mortgage is right for you. Thus, while low mortgage interest rates are important, you must also understand the other terms and conditions that come with each home loan. Your best interests are always protected when you use the expertise of seasoned mortgage broker since they work for you – not the bank.
They’re Qualified
A lot goes into getting the right mortgage at the lowest possible rate. It’s not just a matter of looking for the best rate – a lot more needs to be looked at before signing on the dotted line. Mortgage agents are qualified to look into all the little details that are often stipulated in seemingly complex mortgage contracts, making it much more convenient to have a professional work things out on your behalf, and explain everything in terms you can understand. A mortgage agent can sit down with you, go through your finances – including your income, debts, financial goals, credit history, etc. to determine how much you can afford to spend on a mortgage and what you need to do to qualify for low rates. They can also help you plan how to pay off your mortgage quicker, or how to use the equity in your home to finance high interest debt.
It’s The Easiest Way to Shop Around
If you look for a mortgage on your own, you would have to go to different banks and lenders and fill out an application at each one. Having many credit inquiries on your record may hurt your credit score. With a mortgage broker, you fill out one application and they shop it over lenders all across Canada – getting the lenders to compete for your business.
They’re on Your Side
Ontario mortgage brokers don’t work for the bank or any other lender – they work for you. Not only can they save you thousands in interest with the ideal mortgage package, but they do it at no charge to you!
Go With Experience
When you’ve decided that it’s time to get into the real estate market, or you are looking to renew or refinance a mortgage, contact Marcelle Tiqui – a trusted and experienced mortgage agent specializing in mortgages Milton, Oakville, Burlington and Mississauga areas. Call Marcelle at (905) 208-7070 or visit http://www.marcelletiqui.com to learn more about her services. Your home is the biggest investment you will make. Be sure you are getting the best terms and rates by using a mortgage expert like Marcelle Tiqui.
Best Option to Ease the Divorce Process
Divorce is a situation that no married couple ever intends on facing. Unfortunately, divorce is a common occurrence in our society today, and oftentimes marital issues are settled in a less-than-amicable manner. Many times the spouses are left emotionally and financially drained, and the family members – namely the children – are left devastated emotionally as well.
Luckily, there are other ways to end a marriage, that help to preserve dignity and pave the way to a better tomorrow. If you are in the process of separating, you should know that there are alternatives to traditional divorce court.
Collaborative Family Law – A More Dignified Way to End a Marriage
Collaborative family law is a much more dignified way to handle the process of separation and divorce. This process works well when the couple can speak to each other in a reasonable manner in order to resolve their issues rationally.
This method involves entering into a Participation Agreement, which binds all parties to the process, including the couple, their lawyers, and any other professionals involved. Should either spouse decide that they’d prefer to go to court down the road, everyone needs to withdraw from the process, including the respective lawyers.
The role of the Oakville family lawyer in collaborating is to provide his or her client with sound legal advice throughout the entire process. He or she will essentially coach the client on the requirements and issues regarding the separation agreement under the governing laws of Ontario. This process is voluntary for all involved, and is a much more cooperative way to settle a divorce.
Alternative to Divorce Court
Collaboration makes divorce much less stressful and less emotionally draining compared to divorce curt. The goal here is to ensure that all parties involved experience the best possible outcome. Issues such as property, assets, liabilities, alimony, child custody and more must be negotiated and agreed upon by the parties in the separation agreement. Collaborative family law puts the control into the hands of the divorcing spouses, rather than a judge in divorce court. This process makes way for a smooth transition from marriage, to divorce, and ultimately to a new life.
Are You Looking for an Experienced, Caring Oakville Family Lawyer?
Diane Daly and her team of experts are experienced in collaborative law, as well as other means of settling a divorce, including negotiation, mediation and arbitration. If you are going through a divorce, you need a caring, compassionate, experienced family lawyer to help you dissolve your marriage in the best manner possible, protecting your rights and the rights of the children going forward. Visit www.OakvilleLaw.ca today for more information about collaborative family law and other methods of avoiding divorce court and a long, drawn out battle. You can also make an appointment for a consultation by calling (905) 844-5883.
4 New Hair Styles to Try This Fall
With a change in season you may be considering a change in hair style. Changing up the your hair can be a fun way to try a new look. After all, what’s the risk? Hair grows, giving you endless opportunity to try new haircuts. This fall, we’ve been seeing a few new styles that are interesting and flattering. Fortelli Salon in Mississauga has their finger on the pulse of all things new in the world of hair. If you’re considering a new hair cut, consider one of these options for this season before you visit this landmark hair salon.
- The Pixie With a Fringe
The pixie hair cut may not be new, but it’s still as hot as ever. Hollywood A-listers like Anne Hathaway and Robin Wright have recently sported this pretty hair cut, but with a little bit of sophistication thanks to the added fringe. For fall, it’s all about the more grown up chop featuring side swept bangs that effortlessly contour the face and accentuate the cheekbones.
- The Angled Bob
This past summer we’ve seen a lot of long blunt cuts. And while that style is still trendy and stylish, this fall the long blunt has been chopped a little into an angular bob. This cut works very well when it features a side part, and when the hair has been straightened and infused with texture. Fortelli offers an Agave Smoothing treatment which puts an end to frizzy and unmanageable hair for up to 12 weeks.
- The Longer Lob
Everything Kim Kardashian does seems to catch on like wild fire, and her notable hair cut into a long bob has everyone coveting the look. Layered waves that beautifully fall just below the shoulders are classic, feminine, and sexy, yet still offer a hint of edge.
- The Updated Mullet
Perhaps the term “mullet” isn’t exactly one that evokes pleasant memories, but today’s edgy mullet cut is anything but tacky. Stars like Kristen Stewart and Taylor Swift have been seen sporting this ‘do’. This updated version features swept-behind-the-ears styling and a choppy lob that is trendy and stylish at the same time.
Fall is the season most associated with vivid colors, so you may want to try changing yours. You can go darker for easier maintenance – now that summer is over. You could also try a vivid red, auburn or ombre color treatment. Fortelli’s offers Davines permanent color which provide rich color while enhancing and strengthening the hair. They also offer flamboyage – the new subtle and natural foil technique to add highlights to hair. Visit Fortelli Salon and Spa in Mississauga for an Updated Cut, Color or straightening treatment.
At Fortelli Salon, you can be sure to have the most skilled and experienced stylists working on your hair to help give you an updated hair style that totally suits you which you can recreate at home. They pride themselves on being the best hair salon in Mississauga – where we always treat clients like family. Visit www.Fortelli.com today or call (905) 824-4949 to book an appointment!
You Can Still Get a Mortgage With Bad Credit!
Bad Credit Doesn’t Have to Stand in the Way of You Getting a Mortgage!
If you’ve got credit that’s less than stellar, you probably think you’ll never get approved for a mortgage, right? Well, you’re in luck, because there are still ways to get a “YES” stamp on your mortgage application, even if you’ve suffered poor credit in your financial life!
Dealing with Typical Lenders is Not Your Best Choice if You Have Bad Credit
O
f course, typical lenders – like big banks – will more than likely reject your application if your credit score isn’t adequate in their eyes. Lenders will look at your credit score to determine whether or not they will approve you when you apply for a mortgage. While various lenders have their own set of requirements, bad credit is one of the most common factors that will affect a lender’s mortgage approval. This can make finding a mortgage lender Oakville, Milton, Mississauga, Burlington and other areas of Greater Toronto – Greater Hamilton more difficult.
In addition to your credit score, lenders will look at a variety of different factors relating to your financial strength, including your:
- Housing expense ratio (which should be no more than 32% of your gross income)
- Co-borrowers
- Investments
- Stocks
- Vehicles
- Income history
- Value of your home (if you own one and are looking to refinance or buy a more expensive home)
- Amount of debt (cars, credit cards, current mortgage, student loans, child care, etc)
- Debt to income ratio (which should be no more than 44%)
Let the Experts in Bad Credit Mortgages Help You Get Approved!
Rather than go the typical route of approaching traditional mortgage lender, why not take a better way and deal with an independent mortgage broker who knows exactly who to talk to in order for you to increase your chances of a mortgage approval, even with bad credit? Marcelle Tiqui is a mortgage agent who has plenty of experience getting a bad credit mortgage for those who have struggled with their financial past.
Marcelle has access to hundreds of lenders across Canada, who offer a variety of mortgage products for special situations just like yours. She is well versed in the criteria that different lenders have, and can use this knowledge to help you get approved for a mortgage. Even if you’ve been turned down by the banks, you can still get a bad credit mortgage in Ontario with the help of Marcelle Tiqui. She can also help you with home equity loans – to pay down high interest credit card debt, or mortgage refinancing. Call her at (905) 208-7070 or visit her website: www.marcelletiqui.com. Get your mortgage now- while rates are still low!
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Ontario Oakville Blog updates about local businesses, services, events and living in Oakville, Canada.