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Curb Appeal

January 20, 2017

 

Check out this educational video, part of RE/MAX Fit to Sell campaign

 

 
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1. If you have to choose between buying something or spending the money on a memorable experience, go with the experience. The things you own can’t make you as happy as the things you do.

 

2. First impressions are all about value. We’re all hardcore value processors even before “Hello” comes out of our mouths. The subjective evaluation we make when meeting someone new includes–to put it bluntly–what’s in it for us.

 

3. The “money illusion”—the tendency to allow the nominal value of money (amount of currency) to interfere with the real value (value of goods the money can buy)—is all in your head. Think about what you can buy with your bucks, not just how many you have in your wallet. Most of don’t process the effects of inflation.

 

4. Playing video games could be an unlikely cure for psychological trauma. Researchers at Oxford University hypothesized that playing Tetris after witnessing violence would sap some of the cognitive resources the brain would normally rely on to form memories. Memory research suggests that there’s about a 6-hour window immediately after witnessing trauma during which memory formation can be disrupted.

 

5. All of us spend time riding the moral self-regulation see saw. Feelings of negative self-worth can predispose us to acting morally in an effort to fill up the self-worth bank account. If the account is already full, we might be predisposed to choosing not to act morally, or just not act at all.

 

6. If you’re preparing for a specific challenge, make sure you prep for that challenge and not just ones like it. Title says it.

 

7. If someone is trying to sell you something, be extra careful to keep your psychological distance. People not emotionally engaged, were significantly better at identifying liars and thus were harder to fool with the old flim flam sales routine.

 

8. Turns out, saying you’re sorry really is important—and not just to you. Receiving an apology makes the recipient feel better by affecting his or her perception of the wrongdoer’s emotions. Knowing that the other person agrees that what he/she did was the wrong thing to do reaffirms our view of the world as just and predictable.

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January 20, 2017


First-time buyers interest-free down payment program


The new BC Home Owner Mortgage and Equity (HOME) Partnership program helps eligible BC residents purchase a home.

The program offers first-time home buyers who have saved a down payment:

  • A down payment loan of up to 5% of a home’s purchase price to a maximum of $37,500, on a home with a maximum price of $750,000.
  • This loan matches the buyer’s down payment and is interest-free and payment-free for five years.
  • After five years, buyers can either repay their loan or enter into monthly payments at interest rates that are current five years from the date of the loan.
  • Loans through the program are due after 25 years – the same length as most mortgages.

To qualify for the program, home buyers with a registered interest on title must reside in the home and be a:

  • Canadian citizen or permanent resident for at least five years;
  • resident of BC for at least one year immediately preceding the date of application; and
 
  Click here for larger version of infographic
 
  • first-time buyer who has not owned an interest in a residence anywhere in the world at any time.

The home buyer must:

  • use the property as their principal residence for the first five years;
  • obtain a high-ratio insured first mortgage on the property for at least 80% of the purchase price; and
  • have a combined, gross household income of all individuals on title not exceeding $150,000.

Buyers can begin gathering the documents they’ll need to submit an online application. Buyers will need:

  • Proof of status in Canada and residency in British Columbia.
  • Secondary identification (must include your photo).
  • Proof of income and tax filings.
  • Insured first mortgage pre-approval.

 

• Information and application details
• Questions and answers 

  

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