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 www.engvid.com.

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?

Why?

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 www.engvid.com or www.gvenglish.com.

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.