以前沒有注意到這個問題。直到去年卷入一場車禍，才發現交通法庭上對警察的角色定位經不起推敲。
事情的大概經過是這樣的。我並道進入高速，幾乎就在同時，另一輛車試圖超過我的車從高速出去。就是在這個所謂的wavezone，那輛車的後半截跟我的車的前半截發生碰撞，所幸我的車非常結實，僅僅是碰壞了車門的把手。如果是車門凹進去，我可就慘了。在我接連按喇叭[閱讀全文]
金蘋果房屋貸款
服務於加拿大西部Alberta和British Columbia，熟悉各類房地產貸款產品，及時把握金融市場和抵押貸款利率的變化。
博文
(2010-06-05 00:56:54)
(2010-06-03 18:49:12)
TheestimatedconstructionvalueofbuildingpermitapplicationsinMayplungedinthecitycomparedwithayearago.TheCityofCalgaryreportedtodaythatthevaluelastmonthdroppedto$241million,down56percentfromMay2009's$547million.Itwasalsodown38percentcomparedwiththefive-yearaverageof$387millionanddown55percentcomparedtothe10-yearaverageof$536million).
“Overthepastfiveyears,wehaveseenashiftinbalancebetweenresident...[閱讀全文]
“Overthepastfiveyears,wehaveseenashiftinbalancebetweenresident...[閱讀全文]
(2010-06-02 07:52:57)
TheCanadianRealEstateAssociationhasdramaticallyreviseditsforecastforMLSsalesthisyear,reflectingrecentchangesinthehousingmarket.CREAsaidtodaythatMLSsalesinAlbertawilldropby2.9percentthisyearto55,900unitsandfallbyanother0.9percentin2011to55,400units.InitsforecastofearlyFebruary,thenationalassociationofrealtorshadpredictedsalesintheprovincethisyeartoincreaseby9.1percentto63,050transactionsandanother1...[閱讀全文]
(2010-06-01 16:08:31)
Thiswillgiveyouanideaofwhattoexpectbasedontraditionalguidelines.Rememberthatthesearejustguidelinesandeveryone’ssituationisunique.Ifitappearsthatyoumaynotqualifyfortheamountofmortgageyourequire,speaktoyouragenttoidentifyifthisistrulythecaseandwhatoptionsmaybeavailabletoyou.Topre-qualifyforamortgage,therearethreeessentialcomponents:income,equity,andcredit.Overtheyears,qualificationguidelinesha...[閱讀全文]
(2010-06-01 08:23:17)
Forthefirsttimeinnearlythreeyears,theBankofCanadaonTuesdayJune1hikeditskeyinterestrate,by25basispointsto0.5percent,asthedomesticeconomyreboundsstronglyagainstthebackdropofan"uneven"globalrecovery.However,itsignalledinitsaccompanyingstatementthereis"considerableuncertainty"intheeconomicoutlookgivenfiscalandfinancialunrestinEurope.Asaresult,furtherratehikes"havetobeweig...[閱讀全文]
(2010-05-31 22:47:33)
Prepayment
Thisisapreviligethatwillallowyoutopaydownyourmortgagewithalumpsum,oranextrapayment,withoutpenalty.
Portability
Thismeansyoucantransferthetermsandconditionsofyourmortgagetoyournexthome.Forexample,thismayallowyoutokeepalowinterestrateifyousellonehouseandbuyanother.
Assumability
Thismeansyoumaybeabletoassume(takeover)theexistingmortgageontheproperty.Itmayhaveattrac...[閱讀全文]
(2010-05-31 14:49:30)
這是JerrySeinfeld說的一句話。由於年代久遠，已經記不清楚是出自哪個season、哪個episode，以及具體的情節是什麽。但這些都不重要，重要的是知道wheretodrawaline。
[閱讀全文]
(2010-05-31 08:08:12)
Canada'seconomygrewatafasterpacethanexpectedinthefirstquarterof2010,ledbyconsumerspending,StatisticsCanadareportedMonday.Grossdomesticproductroseatanannualizedpaceof6.1percentbetweenJanuaryandMarch,thebiggestjumpsincethelastquarterof1999.Growthinthefourthquarteroflastyearwas4.9percent.
MosteconomistshadexpectedGDPgrowthof5.8percentinthefirstthreemonthsof2010."Residentialinvestmentincrease...[閱讀全文]
MosteconomistshadexpectedGDPgrowthof5.8percentinthefirstthreemonthsof2010."Residentialinvestmentincrease...[閱讀全文]
(2010-05-26 16:45:23)
ThechangesbecameeffectiveApril19,2010shouldhavelittleimpactonthehousingmarket.Despitewhatsomereportsaresaying,thepercentageofhomebuyersimpactedbythesechangesissmall.
Sowhatchangesweremade?Hereisasummary.
1)Allborrowersmustnowqualifyundera5yearfixedmortgagerateevenifashortertermwithalowerinterestrateischosen.Howbigofanimpactisthis?Asanexample:priortothechange-acouplepurchasinga$350,000homew...[閱讀全文]
Sowhatchangesweremade?Hereisasummary.
1)Allborrowersmustnowqualifyundera5yearfixedmortgagerateevenifashortertermwithalowerinterestrateischosen.Howbigofanimpactisthis?Asanexample:priortothechange-acouplepurchasinga$350,000homew...[閱讀全文]
(2010-05-25 23:30:00)
目前中國房價高企，輿論驚人一致地把矛頭指向了地價。
如果說開發商抱怨地價過高，那是再正常也不過的。一方麵是可以轉移焦點，讓禍水東流；另一方麵，如果運作得當的話，地價真下來了，對它們也是有利可圖的。
一般民眾把矛盾指向地價，也是不難理解的。批地過程中的種種貓膩，也成了公開的秘密。用民憤極大來形容，也不為過。
但如果經濟學家也這[閱讀全文]
