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.

Applying for a mortgage is a decision that will affect your finances over next decades. You need to know what you’re up against before you make any decisions. Being aware of everything that you personally need is going to guide you towards the right call.

Dominion Lending Centres Westcor

1. Don’t borrow the maximum allowed. The formulas used by the lender may not accurately reflect unexpected expenses that may come up in your real life. Consider your life, how your money is spent, and what you can afford and stay comfortable.

2. You should pay no more than 30 percent of your gross monthly income in mortgage payments. If it is more than that, you may have trouble making the payments. Keeping your payments manageable helps you keep your budget in order.

3. Go through your loan documents and make sure you understand every fee. This should have all of the closing costs as well as any other fees. While a lot of companies will tell you everything up front about what’s owed, there are some that have hidden charges that come up when it’s least expected.

Using this information, you can obtain the mortgage that’s best for you. Use the tips from above to guide you through the process. If you are interested in knowing more about mortgages then perhaps you should do a consultation with Dominion Lending Centres Westcor. Just give them a visit by going to the website

The world of attorneys can seem overwhelming to people who don’t know much about it. You will feel better once you need to know to select the best lawyer on your needs. Read on to learn how a great lawyer can really help you with many different causes.

 Jones Divorce Mediation

  • You should never just choose the first attorney that you come across. Do some research since choosing the best results. Ask as much information as you can on any lawyers you’re thinking about hiring.
  • This is common practice among scammers and unscrupulous legal types; it is often seen when there is a large cash settlement up for money. Do research on your own terms.
  • Find out if the lawyer has experience with your particular problem. Just because a lawyer lists that he specializes in cases similar to yours doesn’t mean that he is able to win your case.

Most people dread the idea of requiring the help of a lawyer. But, when you know more about what makes a good lawyer and how to find a great one, you are prepared for the possibility. Also, if you want to hire trusted lawyers then you should check out Jones Divorce Mediation. Just go to this page for some information about their services.

Parenting can be a joy if you take the time to learn the skills needed to perform the job right. The following article offers helpful advice on how to parent most effectively.

looking for a nanny

1. Don’t smoke in the house. Secondhand smoke can be just as many problems as smoking yourself. Children who breathe second-hand smoke are more likely to develop asthma, pneumonia, or bronchitis.

2. Playtime is something that children truly need. Playtime shouldn’t be simply leaving open blocks of time for unstructured activities.

3. You should create a written list and post them for your children are required to follow. They must also be aware that there will be consequences to breaking those rules. Having an established set of rules in place can make parenting time.


As you can see from the great tips in this article, knowing how to parent can make all the difference between parenting as a chore and parenting with joy. By any chance that you are looking for a nanny then you should check out the website

If you want to enter the commercial real estate market, have some idea about what type of commercial property you are considering. You could wind up losing your shirt if you make an ill-advised choice in commercial real estate property. Read this article from Rebecca Benedict to learn how to make better commercial real estate.

homes for sales in Red Deer

1. If you are trying to choose between two desirable commercial purchases, consider the benefits of opting for the larger amount of space. Generally, this is the same situation as if you were buying something in bulk, the less each unit is.

2. When you are choosing real estate brokers, investigate their years of actual commercial market experience. Make certain that their particular business focus includes what you are interested in. You and this broker should be sure to enter into an agreement with that broker.

3. If you desire commercial property for rental purposes, then you need to find solidly yet simply constructed buildings. These will attract potential tenants because they are higher in quality and have nicer appearances.

The information you just read proves that success is possible in the real estate market with common sense and hard work. Make sure to also check out the homes for sales in Red Deer to find some of the best deals in real estate.

Self help can be a smart thing to do and help you turn around your life for the better. This can help you think on where to begin to start in making positive changes when it comes to your life. The insights gained through reading this article by Counsellor Sheri Phillips will assist you in determining how you can help yourself.

counseling services in Vancouver

1. There are plenty of great books on personal development. A really good personal development book can give you on a course that will change your life. Try choosing a book that has several positive reviews because poorly done books in this category are fairly common.

2. Everyone has beliefs that reinforce their sense of self. This practice will encourage consistency, which is a trait almost everyone finds admirable.

3. You must know your beliefs are in order to make a personal development plan. It wouldn’t make sense to develop traits that are at odds with what you value.

By now, you know that improving yourself means putting in the time and effort needed to really change your life. Also, to make changes in your life you’re going to have to keep trying. Try to live by these tips so that you can experience a better life. For a much better personal development then perhaps you should consider counseling services in Vancouver.

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 –