以前没有注意到这个问题。直到去年卷入一场车祸，才发现交通法庭上对警察的角色定位经不起推敲。
事情的大概经过是这样的。我并道进入高速，几乎就在同时，另一辆车试图超过我的车从高速出去。就是在这个所谓的wavezone，那辆车的后半截跟我的车的前半截发生碰撞，所幸我的车非常结实，仅仅是碰坏了车门的把手。如果是车门凹进去，我可就惨了。在我接连按喇叭[阅读全文]
金苹果房屋贷款
服务于加拿大西部Alberta和British Columbia，熟悉各类房地产贷款产品，及时把握金融市场和抵押贷款利率的变化。
博文
(2010-06-05 00:56:54)
(2010-06-03 18:49:12)
TheestimatedconstructionvalueofbuildingpermitapplicationsinMayplungedinthecitycomparedwithayearago.TheCityofCalgaryreportedtodaythatthevaluelastmonthdroppedto$241million,down56percentfromMay2009's$547million.Itwasalsodown38percentcomparedwiththefive-yearaverageof$387millionanddown55percentcomparedtothe10-yearaverageof$536million).
“Overthepastfiveyears,wehaveseenashiftinbalancebetweenresident...[阅读全文]
“Overthepastfiveyears,wehaveseenashiftinbalancebetweenresident...[阅读全文]
(2010-06-02 07:52:57)
TheCanadianRealEstateAssociationhasdramaticallyreviseditsforecastforMLSsalesthisyear,reflectingrecentchangesinthehousingmarket.CREAsaidtodaythatMLSsalesinAlbertawilldropby2.9percentthisyearto55,900unitsandfallbyanother0.9percentin2011to55,400units.InitsforecastofearlyFebruary,thenationalassociationofrealtorshadpredictedsalesintheprovincethisyeartoincreaseby9.1percentto63,050transactionsandanother1...[阅读全文]
(2010-06-01 16:08:31)
Thiswillgiveyouanideaofwhattoexpectbasedontraditionalguidelines.Rememberthatthesearejustguidelinesandeveryone’ssituationisunique.Ifitappearsthatyoumaynotqualifyfortheamountofmortgageyourequire,speaktoyouragenttoidentifyifthisistrulythecaseandwhatoptionsmaybeavailabletoyou.Topre-qualifyforamortgage,therearethreeessentialcomponents:income,equity,andcredit.Overtheyears,qualificationguidelinesha...[阅读全文]
(2010-06-01 08:23:17)
Forthefirsttimeinnearlythreeyears,theBankofCanadaonTuesdayJune1hikeditskeyinterestrate,by25basispointsto0.5percent,asthedomesticeconomyreboundsstronglyagainstthebackdropofan"uneven"globalrecovery.However,itsignalledinitsaccompanyingstatementthereis"considerableuncertainty"intheeconomicoutlookgivenfiscalandfinancialunrestinEurope.Asaresult,furtherratehikes"havetobeweig...[阅读全文]
(2010-05-31 22:47:33)
Prepayment
Thisisapreviligethatwillallowyoutopaydownyourmortgagewithalumpsum,oranextrapayment,withoutpenalty.
Portability
Thismeansyoucantransferthetermsandconditionsofyourmortgagetoyournexthome.Forexample,thismayallowyoutokeepalowinterestrateifyousellonehouseandbuyanother.
Assumability
Thismeansyoumaybeabletoassume(takeover)theexistingmortgageontheproperty.Itmayhaveattrac...[阅读全文]
(2010-05-31 14:49:30)
这是JerrySeinfeld说的一句话。由于年代久远，已经记不清楚是出自哪个season、哪个episode，以及具体的情节是什么。但这些都不重要，重要的是知道wheretodrawaline。
[阅读全文]
(2010-05-31 08:08:12)
Canada'seconomygrewatafasterpacethanexpectedinthefirstquarterof2010,ledbyconsumerspending,StatisticsCanadareportedMonday.Grossdomesticproductroseatanannualizedpaceof6.1percentbetweenJanuaryandMarch,thebiggestjumpsincethelastquarterof1999.Growthinthefourthquarteroflastyearwas4.9percent.
MosteconomistshadexpectedGDPgrowthof5.8percentinthefirstthreemonthsof2010."Residentialinvestmentincrease...[阅读全文]
MosteconomistshadexpectedGDPgrowthof5.8percentinthefirstthreemonthsof2010."Residentialinvestmentincrease...[阅读全文]
(2010-05-26 16:45:23)
ThechangesbecameeffectiveApril19,2010shouldhavelittleimpactonthehousingmarket.Despitewhatsomereportsaresaying,thepercentageofhomebuyersimpactedbythesechangesissmall.
Sowhatchangesweremade?Hereisasummary.
1)Allborrowersmustnowqualifyundera5yearfixedmortgagerateevenifashortertermwithalowerinterestrateischosen.Howbigofanimpactisthis?Asanexample:priortothechange-acouplepurchasinga$350,000homew...[阅读全文]
Sowhatchangesweremade?Hereisasummary.
1)Allborrowersmustnowqualifyundera5yearfixedmortgagerateevenifashortertermwithalowerinterestrateischosen.Howbigofanimpactisthis?Asanexample:priortothechange-acouplepurchasinga$350,000homew...[阅读全文]
(2010-05-25 23:30:00)
目前中国房价高企，舆论惊人一致地把矛头指向了地价。
如果说开发商抱怨地价过高，那是再正常也不过的。一方面是可以转移焦点，让祸水东流；另一方面，如果运作得当的话，地价真下来了，对它们也是有利可图的。
一般民众把矛盾指向地价，也是不难理解的。批地过程中的种种猫腻，也成了公开的秘密。用民愤极大来形容，也不为过。
但如果经济学家也这[阅读全文]
