Dreams are Goals without Plans. Stop Dreaming.
Apply now to find out if I can help you save on what you already own to put towards those goals, to pull equity to fund those goals, or to find out what you need to do to acheive the goal of home ownership.
Any goals I can't help plan for, I'm more than happy to refer to someone who can. And if I can't help directly with your goals, ask about my referral program so that in your referring me to someone I'm more immediately able to help, I'm able to do more to help you.
Thanks for your time. I hope you read on and don't leave before filling out an application. Will only take a few minutes and could save up to and more than $50/month depending on your current rate and what is currently on market.
My Marketing... It's You.
Marketing is one of the biggest questions in commission referral businesses. What do you do? Advertise on the radio? TV? Mailers? Magazines?Maybe you do sponsored content on facebook or are real cutting edge and have an advertisement running on YouTube.
Ive considered the radio but Im the only person I know who listens to it and it is a bit out of my early career price range. TV has similar problems only I dont even watch that.
Ive done a few mailers. Theyre comparably affordable and great for getting to a lot of houses but I expect all those houses are like myself, and any non mail goes straight to the recycling. I dont want to contribute to that much garbage.
Ive done some facebook because of affordability and immediacy as I can track whos actually clicked, and I know people are on facebook.
What inspired this post though, was hearing about magazine adverts. To be in a certain real estate magazine, a realtor I know spends $15,000 for a one page advertisement once a year.... $15k... For paper...
As a realtor, he only needs a referral or two from the advertisement to have it pay for itself, and he believes it has been worthwhile. As a broker my numbers arent quite that good, and even if I had it $15k seems absurd to me to spend on a single local advertisement. I can think of WAY better ways of spending $15k.
So I did.
Summer 2018 will have the first annual Carson Park Football Scholarship. Depending on how business goes this, my 2nd year in the industry, will dictate how much Im able to give to how many graduates looking to play university level football.
So knowthat your referrals to me not only result in a kick back to your pocket, but directly provide an opportunity to someone who otherwise may not have had it.
I thank you for your referrals, and so do future recipients.
Apply Nowand let me see how I can help you either plan for your first home, or save money on what you currently own.
Bank of Canada maintains overnight rate target at 1 ¾ per cent
The Bank of Canada today maintained its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 2 per cent and the deposit rate is 1 per cent.
Recent data suggest that the slowdown in the global economy has been more pronounced and widespread than the Bank had forecast in its January Monetary Policy Report (MPR). While the sources of moderation appear to be multiple, trade tensions and uncertainty are weighing heavily on confidence and economic activity. It is difficult to disentangle these confidence effects from other adverse factors, but it is clear that global economic prospects would be buoyed by the resolution of trade conflicts.
Many central banks have acknowledged the building headwinds to growth, and financial conditions have eased as a result. Meanwhile, progress in US-China trade talks and policy stimulus in China have improved market sentiment and contributed to firmer commodity prices.
For Canada, the Bank was projecting a temporary slowdown in late 2018 and early 2019, mainly because of last years drop in oil prices. The Bank had forecast weak exports and investment in the energy sector and a decline in household spending in oil-producing provinces. However, the slowdown in the fourth quarter was sharper and more broadly based. Consumer spending and the housing market were soft, despite strong growth in employment and labour income. Both exports and business investment also fell short of expectations. After growing at a pace of 1.8 per cent in 2018, it now appears that the economy will be weaker in the first half of 2019 than the Bank projected in January.
Core inflation measures remain close to 2 per cent. CPI inflation eased to 1.4 per cent in January, largely because of lower gasoline prices. The Bank expects CPI inflation to be slightly below the 2 per cent target through most of 2019, reflecting the impact of temporary factors, including the drag from lower energy prices and a wider output gap.
Governing Council judges that the outlook continues to warrant a policy interest rate that is below its neutral range. Given the mixed picture that the data present, it will take time to gauge the persistence of below-potential growth and the implications for the inflation outlook. With increased uncertainty about the timing of future rate increases, Governing Council will be watching closely developments in household spending, oil markets, and global trade policy.
The next scheduled date for announcing the overnight rate target is April 24, 2019. The next full update of the Banks outlook for the economy and inflation, including risks to the projection, will be published in the MPR at the same time.
Young people not in employment, education or training: What did they do in the past 12 months?
Young people (aged 15 to 29) who are not in employment, education or training (NEET) are often considered to be more vulnerable than their peers, as they may face a risk of becoming disengaged or socially excluded, and could miss out on gaining skills or experience in the labour market.
While Statistics Canada has previously examined the characteristics of the NEET population,1 this is the first study to examine the main activities of NEET15- to 29-year-olds over a 12-month period using Labour Force Survey (LFS) data. 2 Among the activities to be analyzed are going to school, working, caring for children, and volunteering both as a main and secondary activity.
Overall, there were 6.9 million young people aged 15 to 29 in Canada in September 2018. Of those, 4.0 million were non-students (57.8%), while 2.9 million were students 3 (42.4%). Both categories (students and non-students) are then divided into the employed and the not employed. The NEET population consists of all non-students who are not employed: in September 2018, 779,000 people were in this category (11.3% of the total population aged 15 to 29).
Those aged 25 to 29 comprised the largest proportion (46.8%) of young people who were NEET during the LFS reference week, followed by 20 to 24 (36.9%), and 15 to 19 (16.2%). While NEET individuals were slightly more likely to be female (52.1%) than male (47.9%) overall, those aged 15 to 19 were a few percentage points more likely to be male, and those aged 25 to 29 were similarly likely to be female.
Of young people who were NEET in September 2018, 34.5% were unemployed (looking for work and available for work), and 65.5% were inactive (not looking for work). While each of these groups may be at risk of falling behind their peers on work experience, this concern is generally greater for those who are inactive, as they may face challenges entering or re-entering the labour force.
Both male and female NEET individuals were more likely to be inactive than unemployed, though the share of women that were out of the labour force (72.2%) was greater than the share of men (58.2%).