Are you thinking about purchasing a home? Or maybe you want to refinance the home you have? When you need a new mortgage for any reason, the time is now and you should find Vancouver mortgage broker Chris Landry on Twitter. Navigating your way through the home mortgage process can be tricky, but having good knowledge such as the article below will make it easier for you.

  1. Try to avoid borrowing a lot of money if you can help it. You are the decider. The bank may be willing to give you more than you can comfortably afford. You want to enjoy your home. Consider your lifestyle, the way your money is spent and the amount you can reasonably afford.
  2. Get all your paperwork together before applying for a loan. Bring your income tax return, pay stubs and proof of assets and debts. Your lender will need to see this necessary information, and having it on hand will help speed up the process.
  3. The new HARP initiative may make it easier for you to refinance even if you are underwater. Many homeowners had tried to refinance unsuccessfully until they introduced this program. Check the program out to determine what benefits it will provide for your situation.

Hopefully, this article will now be able to help you on how to get a good mortgage from Chris Landry.

Hi. Welcome back to

I’m Adam. Nice to see you again. Today’s lesson is for Toronto IELTS and TOEFL students, and so because these students need a little extra practice in listening to more natural speed English, I will speak a little bit faster. If you’re a beginner English learner, watch anyway. It’s still good practice, but don’t worry if I’m speaking a little bit too fast.

So more specifically,I’m going to be looking at the Writing — Task 2, the essay of the IELTS and/or TOEFL. They’re very similar. That’s why I’m doing them together. There’re not big differences, but I will point them out. And what I’m doing is I’m concentrating on the introduction today, the introduction paragraph.I’m not showing you the whole essay; I’m just showing you the introduction.

Now, you’rewondering, “Why? It’s just the introduction. It’s a short one, right?”

No. This is probably the most important paragraph in your whole essay. This is where you, basically, make orbreak your score, okay?


Because here is where the reader understands what you’re about to do. This is where the grader — the person who’s giving you your score — understands if you understood the question; understands if you know what you’re talking about; and understands if you knew how to plan well, okay? Very, very important the first paragraph, the introduction. So what are you going to do? Of course you’re going to plan first.You’re not going to start writing. Do not write one word of your essay until you have your plan ready. Once you have your plan ready, your essay is done. You just have to, basically, translate this plan into sentences. You’re basically going for three to five sentences. Less than three, you missed something; you didn’t do enough. More than five, you’re going for words.You don’t have time; don’t worry about it. Three to five — get down what you need to get down. Get into your bodies where you’re going to be writing the most, okay?

There are four questions you want to answer in the introduction. You will already have these answers once you’ve planned properly, okay?

What do you want to answer?

  • “What is the topic?”
  • “What is the question?”
  • “What is your opinion?” And
  • “What are your reasons?”

These are the four things that must be included in the introduction. Now, a lot of you think, “Well, ‘topic’ and ‘question’ is the same thing, right?” But no; they’re not.This is where a lot of people lose points because they don’t realize that these are two different things. The “topic” is the general idea of what the question is about. The “question” is, specifically, what are you asked to do. Now, the most common type of question you will see on both the IELTS and the TOEFL is a question that asks you to choose between two things. They want you to choose one and argue why that one is better than the other one, or why that one is so good. Now, what I’m going to show you today will mostly apply to these types of questions. But if you have a question that asks you to compare and contrast two things, keep in mind even if they ask you to compare two things, they’re still going to ask you to lean towards one of them, to choose one asbetter than the other, in which case you’re still going to need to give your opinion, okay?

“What is the topic?”

You’re going to keep this very, very general. All you’re doing is giving the idea of what the essay is about. So I know all of you have probably practiced this question: “Is it better to live in the countryside or in the city? Explain your reasons, giving examples, etc.” Your first sentence, very, very general: What is the topic of this question? City life? Country life? No. The topicis “where to live”. So your first sentence
introduces the idea of living — choosing aplace to live. The question is then more specific, so your sentence narrows a little bit, becomes a little bit more focused. The question is: “Is it better in the country or the city?” Okay?

Then, you have to give your opinion. You must say, “I believe”, “I think”, “in my opinion”. You don’t have to use these words. There’reother ways to say your opinion, but if you’re not sure of those, put one of those; make it very, very clear what you’re saying. This is your thesis. This is a very specific sentence. After reading this sentence, I, the grader, must understand which side you’ve chosen and what you’re going to argue. And then you see the last sentence gets a little bit more general. Why? Because you’re giving your reasons. You’re not giving me details. You’re giving me general reasons of why you have this opinion, okay?

So four sentences, or you can squeeze them — you can squeeze, for example, this one and this one. You can squeeze this one andthis one and make three sentences. Or you can add extra information. You want to make this one two sentences? Go for it. Make it five. Don’t go more than five. More than five means you’ve lost focus, okay? Three means you have very good command of the language. Personally, if you can do a very strong introduction paragraph in three sentences, it could actually be better for you than five. But three to four — three to five, four is the average; go for that.We’re going to look at an example, and you’ll understand better what I’m talking about here.

Now, again, I can’t stress enough how important it is to practice writing. And ideally, get someone to check it for you and give you feedback, okay?

But write your essays, and go over them. Make sure all your pronouns are okay, all your prepositions are okay, your subjects and your verbs agree. Try to have different vocabulary, different sentence structures, okay? And practice, practice, practice.

When you start preparing for the Calgary IELTS exam, start with the essay. Learn to write first. Because that takes the longest timeto improve, and it’s usually where people get their lowest score on the test, okay? Anyway, go to or

It may be hard to find just the right Kansas City orthodontist. However, by taking some time to learn about dental care options, taking care of your teeth does not have to be so stressful. The following article offers many tips to help you learn the best dental care practices.

Orthodontist metal braces with pink bands.

Orthodontist metal braces with pink bands.

  1. Use mouthwashes that do not have alcohol in them if you’re over fifty. As you get older, your teeth and gums get more sensitive, which can make alcohol based mouthwashes more painful. You can achieve the same results (minus the burning) by swishing with a formula that does not contain alcohol. Using two times a day is best for optimum results.
  2. A weak tooth enamel can lead to problems with cavities. Enamel is weakened by bacteria and then cavities form. Make a dentist appointment every six months to prevent any dental issues. Your dentist will use x-ray technology to look for cavities forming.
  3. The way you handle a toothbrush makes a difference. You should always try to keep your toothbrush at an angle. Then, you should move the brush with circular motions. Don’t irritate your gums or wear off your enamel with hard brushing.
  4. It’s not easy to find dental care providers that can be trusted. When you spend a bit of time researching, you can find a provider that will give you great service for years to come. Refer back to this article as needed for inspiration.

Versatile spas are getting to be better known nowadays as a result of the level of accommodation it gives to a great deal of clients. A great deal of spa holders now consolidates this administration into their business due to how it can for the most part enhance their notoriety.

If you additionally want to go portable for your spa business then maybe now is the ideal time to know the things you require. To bail you out, you can read this bit of data underneath with respects on the best way to begin a versatile spa business.

corporate events in Vancouver

Before we begin, you ought to comprehend that spa is a lucrative business. Many individuals go to spas to unwind or have a certain condition that they have treated or soothed. Occupied individuals don’t have sufficient energy to go to spas yet they approach portable spa administrations to go to their homes.

1. Financing your mobile spa business – In beginning your mobile spa business, you will require cash to purchase particular supplies that will fit the needs of your administrations. The cash you will be spending will rely on upon the sort and number of the supplies that you will acquire. Despite the fact that this business needn’t bother with an office space, it is still perfect to have one so that your business will give vicinity to the general population.

2. Qualified workers – The critical thing on maintaining a business extremely well is whether you have qualified and decently prepared workers. These representatives that you will be procuring are crucial in manifesting the moment of truth your business so verify that you screen them extremely well.

3. Make contacts for mobile spa business – Mobile spa organizations truly go incredible on the chance that you have a ton of contacts particularly if your current customers will prescribe you to some of their companions too. So make a point to benefit an advertising battle or inquire as to whether they have different companions that are likewise in need of your administrations.

In addition to spas, Signature Mobile Spa can also help you organize corporate events in Vancouver. With their help, it’s a guarantee that your event will flow smoothly and successfully.

Choosing upholstery for your old and worn out furniture can be an exciting task but once you start going through the different choices, it can start to overwhelm you. It surely is great to have a variety of options but you may need an extra hand to help you choose the right one especially there’s a lot to consider on which fabric suits with the ideal color.

So far, here is a brief guide in choosing a fabric for your furniture:

Natural Fibers – This type of fiber feature flat weaves that are good for prints. It is softer and well-tailored for an upholstered furniture. But since it’s a natural product, it can easily fade in direct sunlight and may also be prone to pilling.

For the natural fibers, this includes the following:

  • Cotton – Directly made from the cotton plant, this one is absorbent, soft, and can fade easily.
  • Wool – This is made from animal hair which can be warm but is sometimes not used in upholstery.
  • Linen – This one is naturally made from the flax plant wherein the linens are made to have a lot of hard plant slubs and fibers.
  • Rayon – Otherwise known as viscose, this is made from wool pulp and is made shiny just like silk.
  • Silk – This one is created from the cocoons of silk worms wherein it has strong fibers and provides a natural shine. However, this can still easily get damaged by sunlight.

Synthetic Fibers – These fibers are manufactured by extruding the chemicals through fiber strands. They are more durable and more resistant to fading and staining compared to natural fibers. However, they are still susceptible to pilling.

  • Acrylic – This material is very durable and the texture sometimes is similar to that of the wool.
  • Nylon – This material is durable and resistant to stains.
  • Polyester – This one is also durable and you can easily clean it if ever it accumulates stains.
  • Olefin – It is also durable but can be prone to pilling especially if it is used in high amounts.
  • Polypropylene – The qualities of this material is very similar to polyester.

If you want to check out more fabric designs and types then you should go to Waverly. Just click here to see what’s in store for you there.

Bathroom vanities are like the centerpiece of your bathroom. If you choose the right one then surely it will provide the right ambience for the room. So if you plan on buying a new one or simply just want to remodel your old one then here are tips for you:

Aaron Gruenke

1. When buying a vanity, always consider the space you have in your bathroom first. This will then help you determine on the size you will get. If you have a larger bathroom and have several people living in your house then it’s ideal to get a big vanity that has 2 sinks in it. It will surely be convenient for everyone to use and it will provide a bigger storage space to accommodate your bathroom utilities.

2. Choose a style that fits perfectly with the décor of your home and more importantly, your bathroom. It would be elegant to look at a vanity that really fits with the bathroom’s theme.

3. If you have a creative mind then it would be fun to try out a custom bathroom vanity. Use your talent to create a vanity which you think will satisfy your suit and taste. You can also look up the internet if you inspirations or ideas for the type of vanity that you want to have.

When you buy a vanity then make sure that you do your canvassing very well. Bathroom vanities are there to stay for a little while so be sure that you choose the right one. Check out Perfect Bath by Aaron Gruenke when you go to this page –

On the off chance that you have level blinds with variable pitch points of interest then they can without much of a stretch deal with the level of light in your home. These points of interest are comprised of vinyl, aluminum, wood or PVC and it comes in various widths.

blinds langley

These blinds are presented in two basic courses: mounted on either inside or outside of the window opening. For outside mounts, these makes your window appears greater in light of the way that the stack goes over the window. For inside mounts, the blinds looks trimmed since they don’t cover the opening of the windows and it allows light to enter on its edges. Precise estimation is furthermore needed for inside mounts so they will fit faultlessly on the space of your windows.


  • Make without question to quantify all the windows in your home where the blinds will be presented.
  • If you need to put aluminum blinds in a nursery then make a point to ask the producer to simply use without lead paint.


  • If your family fuses little children then you should consider wands to open and close it rather than ropes.
  • Make the lines out of compass by presenting spikes or condense the control close at whatever point you’re completed using it.


  • If you suspect saving money then it would be best to pick blinds that have been pre-made. Custom blinds can touch base in a bit of a high esteem so consider this one when its crucial and if no pre-made blinds are ready.

 For some great interior blinds choices then you can go to the website of Benjamin Moore Langley by visiting

Lights are thought to be a piece of traditional lights. Show lighting then again are the sort which you can use for specific occasions. By putting in a shade channel before them, something brilliant will be anticipated through your lights in this manner making it stand out.

Dimmer packs are fundamental to have particularly in the event that you need your lights to turn and off and have a controlled faint level. It can be an immense bother particularly in case you’re getting ready for an enormous occasion. At the same time now because of LED innovation and shrewd lights, things to stress over the capacities of these lights are a relic of days gone by.

Lighting specialists would recommend that learners must in any case run with jars and dimmer packs since these lights are an a going stone for the better ones.


There are likewise astute LED lights that will kick you off with much more noteworthy impact, less expensive and more fun than the past ones. Be that as it may the savvy lights of today have innovative contraptions manufactured inside them. This can make everything simpler for the DJ since he can remotely turn it on/off, faint it, change the RGB shades, move the light in specific bearings and even put in a few different impacts.

All lights have diverse modes manufactured inside them. The least difficult of all of them is the static mode wherein you essentially simply switch the lights on/off and change the shade of the lighting then abandon it as it may be. For a progressed one, it is known as the “auto” mode wherein the light will change as indicated by what the system was based for on a computerized way.

The “DMX” mode is considered as the most adroit of all of them. This is the mode where the lights are controlled utilizing a “DMX” controller hence giving aggregate control to the DJ.

If you want to check out the laser lights provided by LightingGeek then go to this page –

Interning abroad can be a bit challenging for students to do particularly in discovering one and doing some paperwork as a part of the process. However the benefits you will get from this international internship is something that will clearly be incredible for your future work applications.

CrossContinental Internships Abroad

When you do your internship abroad then it will be an incredible experience and you will make a superior system both generally and professionally. So for worldwide understudies, tackle this guidance on what to do when you are considering a universal internship

Talk to the International Students Services Office – You have to counsel with the International Students Services Office to get things moving since an internship abroad has a few regulations that needs to be talked over. They will likewise provide for you a thought concerning the procedure and which paperwork you ought to process so as to get you that fancied internship from abroad.

Know precisely what engages you – Make beyond any doubt to begin searching for organizations that imparts your enthusiasm before you begin on the internship chase. This will help you accumulate the right data with respect to their internship opportunities and will equip you on the prerequisites. This will also provide you the required edge against your rivals.

Learn as much as could be expected – It would provide you an extraordinary focal point on the off chance that you began stretching your insight about your internship work path before it even starts. In the event that you are educational amid your internship then the organization will be inspired with your insight and they will most likely think that you are qualified for the position.

For some great internship opportunities, you can check out the website of CrossContinental Internships Abroad by going to –

Have you had a past mortgage? If so, then you know there it can be an intense situation if you don’t know anything about the subject. The mortgage market is ever changing, and you should always be up to date on all the information out there. This article will teach you the basics of home mortgages.


1. Don’t borrow the maximum offered to you. The formulas used by the lender may not accurately reflect unexpected expenses that may come up in your real life. Realistically consider your financial goals.

2. Get all your paperwork together before applying for a loan. If you don’t bring all the right paperwork, the visit may be pointless. The lender will want to see all of this material, so having it handy can save you another trip to the bank.

3. When you are denied, don’t give up. Try another lender to apply to, instead. Every lender has it own criteria that the borrower must meet in order to get loan approval. For this reason, it is sometimes beneficial to apply with several lenders for the best results.

Hopefully, the tips in this article will get you through the mortgage that you desire. Check out this website by Westcor to read about mortgages and rates.

invisalign in Kansas CityCaring for the teeth is something that a lot of people miss out. They didn’t know that it is part of having a great health and above all, be able to project a pleasing and friendly appearance. So if you want to maintain a good health for your teeth then check out the tips below:

1. Cavities come about when a tooth’s enamel weakens. Bacteria break down and weaken the enamel. Make sure you visit your dentist once or twice per year to get your teeth professionally cleaned so that you can help prevent any dental issues from developing.

2. Hydrogen peroxide has been known to help whiten your teeth. Brush your teeth gently and avoid gums for a couple minutes. After that, brush again with your regular toothpaste.

3. Visiting the dentist can be an intimidating experience for kids. Ease those fears and explain to them that a dentist just wants to help them. Your child will be far more comfortable with a pediatric dentist if you choose one that has kid-friendly waiting area and exam room.

Lots of people want to whiten their teeth. With all the information out there, it may be hard to find what’s best for you. Be sure that you take this article and use it to your advantage so that you know you’re doing whatever you can to have good teeth. If you are looking for an invisalign in Kansas City area then you should check out this page –

Selling real estate can be a very stressful and complicated experience. Figuring out how to price your home, legal contracts, and pricing is hard for those inexperienced. Read on to find some tips by Front Door Real Estate to make better decisions.

Front Door Real Estate

1. The work and cost involved in maintaining a home, landscaping, and other small repairs can be a bother for many homeowners. However, if you don’t keep these items up to date, they will snowball into an overwhelming amount of work to be completed before a house can be sold.

2. A home that appears inviting will be much more welcoming to any buyer. It will definitely increase the numbers of people go to your home during home showings.

3. If you’re painting your house’s interiors before putting it on the market, do not choose colors that fit your preferences. Rather, select neutral and appealing shades such as white, beige, taupe and off-white.

4. Don’t spray air freshener or light incense prior to a home tour. Some people might find the smell unpleasant or even allergic to certain ones. These small things might even make you to lose a potential buyer.

As was stated, selling a house is not simple, especially in a down market. There are lots of factors and tasks involved in the process of selling a house. The advice you have read here, however, will help you during this process and hopefully reduce the stress surrounding it. Take a look at some of the best Edmonton downtown condos for sale to find some great choices for you.

bathroom vanities

Your toilet is one thing in your bathroom that needs to be constantly cleaned and sanitized. Maintaining it well could prevent bacteria build up and decreasing its foul odor. To do this, you need to clean it both inside and out. But did you know that you can use coke to clean your toilet? It works wonders in cleaning your toilet bowl even though it’s not the best one out there. You can use it as a temporary solution if you don’t have a toilet bowl cleaner as of the moment. Read this article to know more:

1. Pour the coke into the rim and let it flow down up to the bottom of the bowl. Make sure to focus on pouring where stains are found the most.

2. Let it stay for an hour. The stain is easily broken down due to the acidic substance of the coke. You can also leave it there overnight for some extra cleaning.

3. You can scrub the stubborn stains if you like. They are easily removed due to the coke’s acid.

After reading this article, you now have a solid idea on how to use the spare coke you have in your home to clean your toilet bowl. You can check out some vanities if you visit this page.