THIS BRAND NEW HOME HAS IT ALL! CONVENIENT LOCATION. 

500SQFT. ROOF DECK. THERMADOR & MIELE COFFEE PACKAGE. 

7" WALNUT FLOOR. OPEN CONCEPT. DEN & LIBRARY ON MAIN. 

10 FT. CEILING. 2 BEDROOM LEGAL SUITE DOWN. THEATRE & BAR FOR OWNER. 

TOO MANY FEATURES! NOT ON MLS! EXCLUSIVE!

 222 - 19677 Meadow Gardens Way, Pitt Meadows and currently listed at $295,000.

Ready to move in!! Resort style living, Overlooking golf course. 2 bdrms, 2 bathrooms large open kitchen w/granite countertops & island custom tile backsplash, S/S appliances, halogen lighting under cabinets accents. Fireplace in living/dining rm has warm feeling. In-suite stack washer/dryer for convenience. Lots of natural light, open concept. Fantastic amenities such as gym/exercise rm, pool table & dart board plus furnished guest suite. Steps to Meadow Mall, transit & Golf course. Easy access to Golden Ears Bridge. Exceptionally maintained. Huge area for such a reasonable price! Come see for yourself! 

I wish you the Love of friends and family...
And Peace within your heart.

I wish you the Beauty of nature...
That you may enjoy the work of God.

I wish you Wisdom to choose priorities...
For those things that really matter in life.

I wish you Generosity so you may share...
All good things that come to you.

I wish you Happiness and Joy...
And Blessings for the New Year.

I wish you the best of everything...
That you so well deserve.

Happy New Year 2010!

Baljit Kainth

 TD Insurance

Even if you think you couldn’t possibly afford a home, these creative solutions can turn you from a renter into an owner.

Like many would-be homeowners, you may be wondering how you can possibly afford to buy your first home, especially if you live in a hot real estate market. But these savings and financing strategies can take you there sooner than you think.

Coming up with the cash
Saving for a down payment can be a financial challenge. Here’s how to do it.
• Make saving automatic. Set up an automatic savings plan at your bank to regularly  move a specific amount of money directly from your chequing account to a savings account  — on payday, for instance. You’ll be surprised at how quickly the “pay yourself first” approach adds up.

• Take a holiday from tax. If you open a new Tax-Free Savings Account (TFSA), you won’t pay any tax on earnings — helping you compound your savings. You can contribute up to $5,000 a year to a TFSA, and save for anything you like, tax-free.

• Borrow from yourself. The federal government’s Home Buyer’s Plan (HBP) lets you borrow from your Registered Retirement Savings Plan (RRSP) to help purchase your first home. You and your partner can each withdraw up to $20,000, provided it’s not locked-in and the money has been in the RRSP for at least 90 days.  You have to repay the loan in installments over the next 15 years to avoid a tax hit.

Review your mortgage options
With many alternatives to choose from, finding the right mortgage product and terms can make a big difference to your ability to carry the costs of a new home.

• Stretch out your term. You can now choose to pay back your mortgage over 30 or 35 years, instead of the traditional 25-year amortization period. It means you will pay more interest over the long term, but you can reduce monthly payments to get into your starter home. You can always change this later, once your income rises and you can pay your mortgage down faster.

• Look for perks. Find out about mortgage programs that may offer valuable incentives, such as cash back options, points programs or retail discounts. The right program could help you keep cash in your pocket.

Remember, once you’ve bought a home, you can look for ways to pay the mortgage off sooner, which will reduce the long-term interest costs on that home of your own.

Source: http://realestate.sympatico.msn.ca/td_insurance/articles/first_home_finance

In a session best characterized as sobering, keynote speakers at the annual Vancouver Board of Trade Economic Outlook talked about economic activity at home and abroad. Economists Dr. Sherry Cooper, Helmut Pastrick, and Cameron Muir agreed that a recession will continue in Canada in 2009, but will not last as long nor be as serious as the U.S. economic downturn.

As we move into 2010, we’ll see a pick-up in economic activity,. said Dr. Sherry Cooper, chief economist, BMO Capital Markets. .We’ll likely see a $16 billion stimulus package in Canada, or roughly one per cent of the economy...We’ll see lower growth in the future, and lower rates of re-turn. This will become the new norm..A concern, as she sees it, is not of rapid inflation in these times, but of deflation taking hold across our economy as consumer and business spending dries up. She expects inflation, as measured by the Consumer Price Index, will be negative in Canada for 2009, but will trend upward again in 2010.

Cooper said U.S. house prices have fallen about 24 per cent since their peak, and that inventory of unsold homes is at record high levels. She predicts that U.S. housing prices will continue to decline by a further 10 to 15 per cent before hitting bottom..The rebound in the U.S. housing market will be very slow. And banks will be much more hesitant in their mortgage lending..In Canada, she said the housing market has slowed, but we aren’t going to see the collapses experienced in the U.S. Our banks more stringent lending practices pre-vented Canada from having the same sub-prime mortgage issues that caused such a dramatic decline in the U.S. housing market.

Retrieved from Realtorlink