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.

Do you feel comfortable with the amount of knowledge that you know a lot about purchasing furniture? With the various brands, brands, and pieces to choose from, what do you do? Many people find themselves making purchases without gaining knowledge first. If you want to avoid this, the following tips from this article will help.

 drapes Vancouver

  1. Don’t neglect trying some haggling with someone selling furniture. Most furniture stores have a huge markup on their furniture up by approximately twenty percent. If you’re not a price haggler, bring along someone who can accompany you.
  1. Choose material that is durable when you shop for your furniture. You need to maximize your money. Furniture costs a lot of money and it’s best to choose pieces that are made to last. Metal and hard wood items will usually last over a long time.
  1. Online research is good for ascertaining price ranges, especially for finding all available options, but don’t buy furniture that you haven’t seen and touched yourself. Only in a store can you actually try out a piece to check for personal comfort and gauge your personal reaction to it.

Hopefully, you feel better about buying furniture at this point. So try these tips out the next time you plan on buying drapes Vancouver area.

Novices and experts alike can find it difficult to navigate the home mortgage application process successfully. Without the right mortgage you may pay more than you have to, or even face losing your home to foreclosure. Keep reading for some useful tips by DLC Westcor on how to find a good mortgage.

 DLC Westcor

  1. Prior to applying for a mortgage, you need to know what is in your credit report. There are stricter credit credentials this year than in previous years, so keep that rating clean as much as you can so you can qualify for the ideal mortgage terms.
  1. Do not go crazy on credit cards while waiting on your loan to close. Lenders often recheck credit a few days before a mortgage is finalized, and may change their minds if they see too much activity. Make large purchases after the mortgage is signed and final.
  1. Why has your property gone down in value? Your home may look the same as the day you moved in, however other factors can impact the way your bank views your home’s value, and can even hurt your chances for approval.

What you’ve just read will help you get the best deal on a mortgage that you can. You can also check out some additional tips on the page

Bad credit will make so many projects out of your journey through life. It can limit opportunities and deny you from enjoying wonderful opportunities. There are a few things you can do to improve and protect your credit now. So check out this cool guideline provided to you by Credit Now:

 Credit Now 

  1. If you need a credit card to aid in fixing your credit but you cannot obtain one due to the state of your credit, get a secured card. If you show a good history of payments with this card, your credit rating will begin rising.
  1. A great credit report means you to get financing for a home. Making regular mortgage payments in a timely manner helps raise your credit score even more. This will be beneficial when you need to take out a loan.
  1. You should always make an effort to pay your bills off on time and in full. Your credit score will begin to increase immediately after you pay the bills that are past due bills.

These tips can help you repair your credit and keep it high. Educating yourself about credit and how it works is an important investment that will pay off in the future. For more tips, you can go to for further information.

Are you looking to purchase a car? Do you know how people mess up the mistakes that many car buyers make? The article below has information one should use to refrain from making car you regret.


  1. Research your chosen dealership you are considering before offering to buy a car there. You will be able to get a better negotiating advantage if you are aware of their trade and financing options. Reading customer reviews can also give you a good way to avoid scams or pitfalls.
  1. If buying from a private individual, make sure to bring a mechanic to examine the car. If the seller objects, it should be a red flag. There may be extensive problems associated with the car. You probably shouldn’t get into these without being aware of them beforehand.
  1. Safety features and specifications are extremely important things to consider when shopping for your new vehicle. Anti-lock brakes or ABS are crucial. Safety is of the utmost importance because you will be in this vehicle a lot.


In conclusion, many errors can be made when searching for a car. You should utilize these tips so you can buy a car more carefully. If you want to check out some cool cars for sale like Chrysler then you can go visit the website for some great deals and choices.

Going off to college is both scary thing; there is so much to take care of and look out for. This article from American international school will assist you by offering college tips and succeed in getting the diploma that you’re working towards.

 American International School

  1. Always prepare your testing materials when taking exams. The instructor does not always have extra supplies, so make sure you have what you need before you leave for class.
  1. If you are attending college in another state or are going to reside on campus, carefully consider whether bringing your own vehicle is a good idea. It is hard to find free parking.
  1. Take notes while you are in college for studying purposes. Taking notes helps cement the information in your mind as you take it in. This will allow you remember it much easier when you have to study.

Use the information laid out here and from those who you know who have been to college. Although it may seem like a long, drawn-out process, it’ll be worth the effort when you finally graduate. For more info about the subject, you can always go to the website

For cool lights moving floor, DMX is basically used by DJs to give those lighting effects. DJs undeniably love using it in light of the way that divided from their music, the lighting is similarly what unites people and area. So for every DJ out there, this is something else that they should put their consideration on in light of the way that an acceptably dealt with lighting will in all probability grant you to take control of the swarm.

Before the LED lights and moving establishments, basic traditions were used by DJs to give control progressing floor. The way these systems work is by sending a DC voltage hail that ranges from 0 volts to 10 volts and were commonly suggested as 0 to 10 volt structures.

Despite basic systems bringing smooth smearing and stage lighting control, notwithstanding they pass on several drawbacks. The principal is that an alternate arranged of wires are needed for every obscuring redirect in the structure and moreover a regular objective wire. As for sweeping lighting structures, they will oblige considerable commitment multi-channel winds that run along from the console to the dimmer racks.

The second detriment about the basic system is that the controls were astoundingly obliged, there were simply several submasters and it practically has no programming contrivances. The makers furthermore don’t by and large yield to the connectors so this makes the consoles from a substitute maker not have the ability to interface with an other producer’s dimmer.

In any case today, DMX512 is as of now used to control the dimmers, moving lights, LED establishments, duskiness and fog machines, and even embellishments, for instance, the confetti launchers. Since the DMX tradition doesn’t have any slip affiliation, it is not immaculate to use them to control pyro or any stage supplies that can bring about a peril if it is enacted circumstantially.

If you like to get an update about the new lighting for DJs then Lighting Geek Entertainment can provide that for you.

Every bathtub owner should know that regular maintenance on your tubs is a must. Neglecting the cleaning task for it will make it look dirty and can become slippery at the same time. If you want to clean it then there are multiple ways of doing it apart from standard cleaners. You can use household items like lemon rinds to accomplish the task and get similar results to that of a branded cleaner. Here’s how.

 bathroom vanities for your home

  1. Fill the bathtub using cold water until it is enough to cover up the ring.
  1. Drop the lemon rinds into the water and leave it there overnight.
  1. On the following day, remove the lemon rinds and then drain the water.
  1. Once the water has been completely drained, finish off by wiping the bathtub with a clean cloth.
  1. Leave it there until it is dry. After that, not only will you see cleanliness in your bathtub but it will surely leave off a fresh lemony scent.

Hopefully, the information you have read here has provided you with great insights on cleaning your bathtub. You should also know that bathroom vanities for your home must be maintained as well since they are considered as the centerpiece of your bathroom.

It takes a great deal of effort to plan a memorable wedding. From picking out the invites to getting a great dress, this major life event comes only once in a lifetime for many people. The following article by Signature Mobile Spa will help ensure you plan the bank.

 Signature Mobile Spa

  1. If there will be speeches, have him rehearse the speech with you beforehand to ensure that it is appropriate. Remember that there may be older people at your wedding as well as young ones, and a joke that younger generations find amusing might be offensive to older guests.
  1. Do not under-eat in an effort to fit into the wedding dress you want. You are going to find yourself dehydrated and lightheaded if trying to lose weight loss. You definitely don’t want to stay on your feet during the ceremony and reception.
  1. Instead of spending a fortune on a wedding cake, try getting multiple tiers of mini-tarts or cupcakes. These arrangements are convenient and convenient. Guests can serve themselves or even take one home as they are leaving.

Whether you’re planning an intimate wedding with family or a lavish affair with hundreds of guests, the details make all the difference on your big day. These tips will help to prevent disaster and guide you towards making good choices. If you want to check out more tips from Signature Mobile Spa then make sure to go visit their website at

Do you feel that you have found every tip regarding purchasing real estate buying? The following article by Kam Pawar below will help you the information you need when thinking about purchasing real estate.

Kam Pawar

1. A lot of Realtors have lists that contain all the important components of everything you need to do when buying a home. The checklist can help ensure that everything before you go forward to make sure you have everything.

2. A lot of foreclosed homes have not had anyone living there for a long time, so needed upkeep has probably not been done. Many foreclosed homes need a brand new HVAC system, and may also have pests.

3. Once you have made up your mind to buy a new home, you must find a professional Realtor to help with the process. You will want to find someone you are able trust. An agent that has a proven record will lead you properly.


With the information in this article, you should have learned something that can benefit you when buying real estate. Many people believe that there is karma in real estate, so a good deed for a friend could someday come back to reward you. If you want more information on real estate then you should also check out

Golf is a sport all around the world. There are not many things better than having a day out on the golf course or “links.’ If you work hard enough, you need to be willing to put in the time and effort necessary. Read on developing a better at golf.


1. Knowing how exactly to keep score is a crucial element of playing golf. You should know how to keep score because your reputation as a player is based on your score. The intent is to do so in as little a number of strokes it takes you to get the ball into the hole.

2. Make sure you don’t discourage yourself by golfing with people on a higher level to keep your confidence up. When you just learning to play, select courses that are easy, and get together with other novices. Playing overly difficult courses against elite players will just discourage you from learning the game.

3. Try to find ways around the problem versus struggling to overcome it. You may find that your advantage and use it as a central feature of your unique playing style!


In conclusion, golf is a very common hobby for many people throughout the world. Success on the golf course requires intense focus on technique, and many have found it difficult to master as a result. If you carefully apply the golf advice contained in this article, you will see huge improvements in your golfing abilities. For more info on golf and even golf cart repair services then you should try calling this number 604-940-6236.