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.
Unemployment rate unchanged in October
Following two consecutive months of growth, employment held steady in October. The unemployment rate was unchanged at 5.5%.
On a year-over-year basis, employment grew by 443,000 or 2.4%, driven by gains in full-time work. Over the same period, total hours worked were up 1.3%.
In October, employment increased in British Columbia and Newfoundland and Labrador, and was little changed in the other provinces.
Employment was down for men in the core working ages of 25 to 54, and grew for the population aged 55 and over.
Employment declined in manufacturing and construction. At the same time, employment was up in public administration and in finance, insurance, real estate, rental and leasing.
The number of self-employed workers decreased, while the number of employees in the public sector increased for the second consecutive month.
Canada: Household Credit Growth Continues To Climb in September
CANADIANS BORROWING HAND OVER FIST
Total Canadian household credit growth continued to accelerate in September, reaching a pace last seen in mid-2018. Despite a slight deceleration from the previous month to 4.3% at a seasonally adjusted annualized rate (m/m saar), trend growth remains at elevated levels. Both mortgage and consumer credit growth contributed to the 68 bps slowdown from the prior month (46 bps and 22 bps, respectively), but borrowing conditions remain favourable overall with trend growth still in strongly positive territory.
RESIDENTIAL MORTGAGE CREDIT EXPANSION CONTINUES ITS ASCENT
Residential mortgage credit growth continued on its upward trajectory in September supported by favourable borrowing conditions and strong labour markets. Mortgage loan growth accelerated by 4.9% m/m saar in September, pushing the year-on-year trend growth rate to 4.2% y/ythe fastest pace since mid-2018, marking a well-pronounced recovery in the mortgage-borrowing market.
Canadas real estate market looks to be rebounding following a turbulent couple of years due to various policy announcements from 2017 to 2018 designed to cool the market. Mortgage borrowing has picked up through the second half of 2019 with the uptick in demand following a reduction in the mortgage qualifying rate in July and a decline in 5-year mortgage rates. With the Bank of Canada under pressure to continue to provide a stimulative environment following sustained levels of uncertainty, residential mortgage credit growth is expected to remain supported in the foreseeable-future.
Strength in Canadian labour markets has also been conducive to a favourable borrowing environment. Septembers surge in job gains contributed to a fall in the unemployment rate to 5.5%.