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.

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.

CrossContinental Internships AbroadFor every student to be familiar with the real world particularly on work then it must be ideal that they undergo through an internship to expose themselves to that. There are some students who plans on going abroad for an internship but it can be a bit costly especially if you go through an agency. But if you want to save money on your search for an international internship then the best way to do it is to be on your own.

1. Cost-Savings – Getting an international internship with the help of an agency can be costly. These third party companies will charge you with a hefty price so make sure to think about it.

2. Networking – If you fail on landing the internship with that company on the first try then keep their contact because you might need it again in the future. This is a great way to create a network of potential companies to get an internship from. Also, you can take the opportunity if the company can refer you to another one and just hope for the best.

3. Future Career Preparation – Doing your own search for an internship is the best way to get yourself be prepared for the reality of finding a job. This is the reality of the world provides since no one can help you but yourself. If you do well on your own internship hunting then there’s no doubt that you’ll do good with the job hunt in the future.

You can also visit the website for more info about CrossContinental’s International Programs.

Lamps are considered to be conventional lights if one is to describe them. Show led stage lighting on the other hand are the type which you can use for certain events. By putting in a color filter in front of the best led stage lighting, you will be able to project something colorful that will surely change the way you see lights.

led stage lighting

If you plan on turning it on and off plus dim them to different levels then you essentially need to have what they call as “dimmer packs”. It can be a huge hassle especially if you’re planning for a big event. But now thanks to LED technology and intelligent lights, all of these things and worry about lighting are a thing of the past.

Lighting experts would suggest that beginners must still go with cans and dimmer packs since these lights are some sort of a stepping stone for the better ones.

There are some intelligent LED lights that will get you started with much greater effect, cheaper and more fun than the previous ones. But the intelligent lights of today have some sort of high-tech gadgets built within them. This can make everything easier for the DJ since he can remotely turn it on/off, dim it, change the RGB colors, move the light in certain directions and even put in some various effects.

To make all of these things possible, the lights have different modes built within them. The simplest of them all is the static mode wherein you basically just switch the lights on/off and change the color of the ideal led party lights for DJs then leave it as it is. For an advanced one, it is called the “auto” mode wherein the light will change according to what the program was built for on an automated manner.

And lastly, there is the “DMX” mode and it is considered as the most intelligent of them all. This is the mode where the lights are controlled using a “DMX” controller thus providing total control for the DJ.


A spa party is a way for several people to relax and enjoy some time together while being pampered. Spa parties are usually planned by people who are celebrating special events such as graduations, weddings, birthdays, baby showers or corporate retreats.

The typical spa parties are specifically designed for small groups that consist of 4 to 6 people. There are also spa parties that accommodate a much larger group depending on the venue. Usually, these spa parties are geared for women but there are times that it specializes in themed parties for teenagers and girls with age-appropriate beauty treatments.

For the venue of these spa parties, they are usually held at the home of the host, at the spa, a hotel or another third party venue. These spas that have the hotel location commonly include lodging. Depending on the services and vendor, the price will always vary.

spa parties

Booking Advice

Before you plan a spa party, it is ideal that the organizer of the event will talk to the owner of the spa. Make sure to have a tour of Signature Mobile Spa and know about the services that they offer. Ask if the entire spa is reserved or that the guests will be given a separate party suite or room.

The party organizer should also know the number of staff members who will be providing the treatments especially during after hour parties. Make sure to also be mindful about the prices and the inclusion of the services for the package they provide. Also, go into detail about any payment policies such as refunds and cancellation policies.