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Canada: Finance, Real Estate, Insurance, Immigration

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Сайт рассылки: http://arbetov.ca
Открыта: 26-03-2010

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Михаил Арбетов

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Canada: Finance, Real Estate, Insurance, Immigration:#29 Get me Out of Credit Card Debt


Dear readers,

Today we get to know about:

1.Get me Out of Credit Card Debt

2.How much does Hospitalization cost in Canada?

3.Market and Interest Rate update, By Elana Rendell, Accredited Mortgage Professional

4.Super Visa is Good News for Many

Video content:

Immigration to Canada Provincial Nomination Program
Super Visa Visitors Canada Medical Insurance
 Сrisis 2008 Vancouver, Canada
RESP savings plans for their children's education
An insurance agent in Vancouver, British Columbia

Get me Out of Credit Card Debt


Credit Card Debt in CanadaCredit Card debt can become overwhelming. In fact, it has been shown that stress caused by worrying about overwhelming debt can actually cause physical ailments. If you are in over your head with debt and wonder just how you will get out, have hope there are ways out.

To get out of debt you must first get a true picture of just how much debt you have. This is done by getting current statements from each of your credit card, finance loans, and other installment loans. Make a complete list of all of your debt including creditor name, current balance, minimum monthly payment, and interest rate. Total up both the total current balances and the current monthly payments. This will give you the big picture of just how debt you are in and how much it is costing you monthly.

If you are pro-active and are looking to get out of debt before facing a financial crisis you may have more options. If you are already facing a financial crisis and need help to get out of debt there are still a variety of options available. The first option to consider when trying to get out of credit card debt is to work with a professional company that offers these services such as “consolidatedcredit.ca’s credit card debt services”. Whether you choose a debt management company or your local bank a financial advisor can help you begin the process of deciding which programs and options will work for you.

Are you going travel to Canada?
Buy Visitors To Canada Insurance On-line

Super Visa Canada Medical Insurance

Canada Dental Insurance

debt consolidation loanHere are the three most common ways to manage and get out of debt:

  • A debt consolidation loan. Using a consolidation loan you determine the amount of money you would need to borrow in order to pay off all of the other credit card and installment loans that you have. You can quickly know this amount by looking at the totals you created when making the list. The previous list will also help you determine what monthly payment you are hoping to beat as well. Typically a new debt consolidation loan will offer a lower interest rate than those on your credit cards as well as a lower payment than the combined total of the others.
  • Using the snowball method. When using the snowball method you don’t need to apply for or get a new loan. In this method you simply use the list you created, determine which credit card has the smallest balance and begin working on paying that card off. Each month you put as much extra money towards paying that one card off as possible. All of the others you continue to just make the minimum payments on. After you have paid off that card you take all of the money you had been using and apply it to the next card and so on and so on until all of the debt is gone.
  • The final option and the best for those in financial crisis is working with a debt management company. A debt management company can help you re-arrange, consolidate, or even just negotiate with creditors to pay off the debt.

Choosing the method that will best work for you will be based on your particular situation. The key is to work with an advisor who can help you create a plan and then stick to the plan.

How much does Hospitalization cost in Canada?


The Canadian Healthcare System is considered as one of the best in the world. Fortunately for Canadian citizens, medical services are mostly free, with the government shouldering a gigantic proportion of the expenses. However, the story is different for those who are neither citizens nor permanent residents. In 2008, the Canadian Institute for Health Information (CIHI) conducted a survey about how much hospitalization costs on the average. Because medical bills usually vary widely from city to city (and province to province) the CIHI created a paper that lists down the average costs for every significant procedure done in the country’s hospitals.

Now let’s take a deeper look. On the average, a hospital stay costs approximately CA$ 8,000 per individual. However, trends show that costs increase as the patients age increases. That it, it is more expensive to treat older people than younger ones. For example, average hospitalization costs for persons aged 60 to 79 is CA$ 8,777, while those who are 80 years old and up may have to pay CA$ 9,661. Moreover, costs also rise depending on what experts call as the “comorbidity factor” level of a patient. This figure helps healthcare professionals assess the overall complexity of treating a patient. Essentially, a patient with a low comorbidity factor is simpler to treat and will thus incur smaller medical bills. For example, a person with a history of diabetes or high blood pressure may be assigned to a higher comorbidity level than someone does not suffer from one. This is quite common in the middle-aged and the elderly, who are usually more prone to contracting these conditions. Of course, these numbers cover all kinds of sicknesses, ranging from the common cold to advanced treatments for Parkinson’s disease.

In line with this, let’s take a look at the more common ailments that usually strike.

∙ A visit to the doctor due to fever costs CA$ 2,572.

∙ Meanwhile, treatment for unspecified viral diseases cost around CA$1,882.

∙ On the other hand a terrible bout of the common flu may require you to shell out CA$ 2,145.

This is the same reason why visitors to Canada – who are not covered by universal healthcare – usually buy health insurance before they come here. For example, Super Visa Insurance policies, issued to visiting parents and grandparents of Canadian citizens and permanent residents, cover most of the hefty hospitalization costs. At a fraction of the price, visitors to Canada can thoroughly enjoy their stay, knowing that they will be given high quality care no matter what.

If you would like more information about Visitors to Canada Insurance, please contact us by email: arbetov.office@gmail.com or by phone: 1-877-211-4301.


Market and Interest Rate update, By Elana Rendell, Accredited Mortgage Professional


I hope you enjoyed a great Thanksgiving with friends and family!

As an even busier (and expensive!) holiday season approaches, I would encourage you to take a moment to consider your financial situation and ask yourself the following questions:

1. Do I currently have the lowest mortgage rate in history?
2. Would it make sense to break the terms of my existing mortgage and save thousands of dollars in interest annually?
3. Have I called my broker to explore my options?
…it really is that easy to save money, and I am more than happy to assist!

MARKET SUMMARY

If I could sum up Canada’s housing market and inflation picture using one word, it would be “cooling”.
Home sales in Canada are coming off the heat, and major markets (largely Vancouver and Toronto) indicate real estate figures are off year over year.

Reports have shown that sales are down in three-quarters of the markets in Canada. Though sales units are down, prices haven’t moved as drastically and have actually remained steady in 19 of the 28 markets examined in a recent study.
Canada’s economy seems to be stuck in a soft patch with conservative investors and a government that can no longer support growth as they did earlier in the recovery. The global economy is also in a slump, which has made businesses wary about making bold investments, and demand for Canada’s exports lackluster.
Given the economic outlook, most expect the Bank of Canada to delay raising interest rates (prime) until the second half of 2013. By then better global growth and strengthening U.S. demand should help lift exports, stimulating stronger business investment.

It is worth revisiting the rule changes that have come into effect in the mortgage industry over recent months –
Maximum amortization when purchasing with less than 20% down payment is 25 years (extended amortizations, 30 years +, are still available on mortgage transactions with more than 20% down payment/equity).

Refinances are permitted to a maximum of 80% loan to value

Rental or Revenue properties require 20% down payment

HELOCs (Home Equity Lines Of Credit) are only available to 65% LTV as of October 31st, 2012
(click the link below to review some common questions)

http://www.fin.gc.ca/n12/data/12-070_2-eng.asp

RATE SUMMARY

Do you have a short-term mortgage outlook?
Consider the 3 year fixed product @ 2.69%
4 year variable @ Prime-.35% (2.65% today) is also available
Do you have a medium-term outlook?Consider the 5 year fixed product @ 2.99%
Do you intend on carrying a mortgage for years to come?

Consider the 10 year fixed product @ 3.89% where your mortgage payment will stay constant for the next decade
Have you considered a HELOC to 80%?

We have until October 31st, 2012 to access 80% loan to value @ Prime+.50% (3.50% interest only) – contact me ASAP on this product

*Rates are subject to change without notice

If you, or anyone you know, have a mortgage rate above 4%, it will likely make sense to break the existing mortgage terms and start saving on interest ASAP!

As always, call me with any questions, I am here to help you SAVE MONEY! I am an accredited mortgage professional, With over 10 years of negotiating experience, and at no cost to you, let me help you get you the best deal on your mortgage.

Serving all of the lower mainland, I am happy to do a quick FREE 30 minute consultation to see if I can help you!
Best Regards,

Elana

www.elanarendell.com
Ph # 604-809-3202

Gold & Silver in Canada

October 15, 2012

Item Buys CAD Sells CAD Buys US Sells US
1 OZ GOLD BAR
(1+ BARS)		 $1,700.00 $1,751.00 $1,734.00 $1,781.00
1 OZ GOLD BAR
(10+ BARS)		 $1,700.00 $1,749.00 $1,734.00 $1,779.00
1 OZ GOLD BAR
(50+ BARS)		 $1,700.00 $1,747.00 $1,734.00 $1,777.00
1 OZ GOLD BAR
(100+ BARS)		 $1,700.00 $1,745.00 $1,734.00 $1,775.00
5 OZ GOLD BAR
(1+ BARS)		 $8,491.00 $8,719.00 $8,658.00 $8,868.00
5 OZ GOLD BAR
(20+ BARS)		 $8,491.00 $8,709.00 $8,658.00 $8,858.00
10 OZ GOLD BAR
(1+ BARS)		 $16,962.00 $17,418.00 $17,296.00 $17,716.00
10 OZ GOLD BAR
(10+ BARS)		 $16,962.00 $17,398.00 $17,296.00 $17,696.00
20 OZ GOLD BAR
(1+ BARS)		 $33,865.00 $34,659.00 $34,531.00 $35,251.00
20 OZ GOLD BAR
(5+ BARS)		 $33,865.00 $34,620.00 $34,531.00 $35,211.00
1 KILO GOLD BAR (32.15 TROY OZ.) $54,438.00 $55,715.00 $55,509.00 $56,667.00
1 KILO GOLD BAR
(5+ BARS)		 $54,438.00 $55,651.00 $55,509.00 $56,602.00
1 OZ GOLD MAPLE
.9999 (1+ COINS)		 $1,707.00 $1,769.00 $1,741.00 $1,800.00
1 OZ GOLD MAPLE
(10+ COINS)		 $1,707.00 $1,766.00 $1,741.00 $1,797.00
1 OZ GOLD MAPLE
(50+ COINS)		 $1,707.00 $1,762.00 $1,741.00 $1,793.00
1 OZ GOLD MAPLE (100+ COINS) $1,707.00 $1,760.00 $1,741.00 $1,790.00
1/2 OZ GOLD MAPLE
 $868.00 $926.00 $885.00 $942.00
1/4 OZ GOLD MAPLE
 $438.00 $472.00 $447.00 $480.00
1/10 OZ GOLD MAPLE $179.00 $197.00 $182.00 $201.00
1/20 OZ GOLD MAPLE $89.00 $116.00 $91.00 $118.00
1 OZ GOLD MAPLE
.99999 RCMP		 $1,712.00 $1,806.00 $1,746.00 $1,837.00
1 OZ GOLD MAPLE DAMAGED / .999 $1,685.00 $0.00 $1,719.00 $0.00
1 OZ SILVER MAPLE (1+ COINS) $33.40 $35.45 $34.06 $36.06
1 OZ SILVER MAPLE (50+ COINS) $33.40 $35.20 $34.06 $35.81
1 OZ SILVER MAPLE (500+ COINS) $33.40 $35.11 $34.06 $35.71
1 OZ SILVER MAPLE (3,000+ COINS) $33.40 $35.01 $34.06 $35.61
1 OZ SILVER MAPLE (5,000+ COINS) $33.40 $34.91 $34.06 $35.51
1 OZ SILVER MAPLE ANTELOPE (2013) $33.40 $36.68 $34.06 $37.31
1 OZ SILVER MAPLE MOOSE (2012) $33.40 $36.68 $34.06 $37.31
1 OZ SILVER MAPLE COUGAR (2012) $33.40 $36.68 $34.06 $37.31
1 OZ SILVER ROUND (1+ ROUNDS) $32.57 $34.71 $33.21 $35.31
1 OZ SILVER ROUND (100+ ROUNDS) $32.57 $34.47 $33.21 $35.06
1 OZ SILVER ROUND (500+ ROUNDS) $32.57 $34.22 $33.21 $34.81
10 OZ SILVER BAR
(1+ BARS)		 $326.00 $347.00 $332.00 $353.00
10 OZ SILVER BAR
(10+ BARS)		 $326.00 $344.00 $332.00 $350.00
10 OZ SILVER BAR (100+ BARS) $326.00 $341.00 $332.00 $347.00
50 OZ SILVER BAR $1,628.00 $1,711.00 $1,660.00 $1,740.00
100 OZ SILVER BAR
(1+ BARS)		 $3,257.00 $3,393.00 $3,321.00 $3,451.00
100 OZ SILVER BAR (10+ BARS) $3,257.00 $3,373.00 $3,321.00 $3,431.00
100 OZ SILVER BAR (50+ BARS) $3,257.00 $3,363.00 $3,321.00 $3,421.00
1 OZ PLATINUM
BAR		 $1,584.00 $1,676.00 $1,615.00 $1,705.00
1 OZ PLATINUM MAPLE $1,624.00 $1,728.00 $1,656.00 $1,757.00



We recommend to visit websites:

Life insurance Ideas is the best way to get peace of mind.
Insurance hints help you to save money on life and disability insurance.
Lowest Insurance Quotes From Top Insurance Companies There are so many ways on how to get low insurance quotes. When you have full access to the internet, you will notice that there are hundreds of sites that offer low business insurance quotes which your company can afford.
Best Dental Insurance blog helps you to find proper advice how to get the best appropriate dental coverage for your family and you.

Insurance for Super Visa and for visitors to Canada

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