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A Blog for You

Credit Scores, Formulas, and Companies Behind Them

Coca-Cola hides its secret recipe for the original soda formula in a vault at SunTrust Bank in downtown Atlanta. The Big Mac protects its copyrights in countries where it may not even sell. Equifax and TransUnion protect their credit-rating formulas equally jealously,...

Total Debt Service and Gross Debt Service Ratios

Mortgage lenders are always on the hunt for new customers. However they also wish to avoid bad debts and costs of foreclosures. They need to be seen as impartial regardless of an applicant’s particular demographic. Their decisions are therefore data-driven and based...

Calculating the Value of Our Real Estate Investments

We are ethical investors. We pay fair cash prices for properties depending on their location, and condition. This is a great convenience for sellers keen to sell their real estate urgently. They may be relocating to another town, or wanting access to their capital....

The Realtor Code Which CREA Members Must Comply With

The Canadian Real Estate Association (CREA) has been a measure of professionalism for over four decades. The original Realtor Code appeared in 1913.  Then in 1953 members finally approved an ethics code specific to their industry. This ethical Realtor Code has updated...

The Importance of Having Tenant Insurance

  From time-to-time we meet people renting homes who have no insurance over their personal property kept therein. This can be an expensive mistake given the cost of computer equipment, and home entertainment systems. Even if the premises are commercial a few...

What You May Not Know About Investing in Condo Units

Most Canadians live in a condo as some stage in their lives. This type of real estate especially attracts young couples making their first home together in rented accommodation: Thereby making investing in condos for rental attractive. We decided to delve deeper into...