Ryan Raguero Newsletter - March 2017/Edition 14

Ryan Raguero - Financial Literacy Campaign

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March 2017 Foreclosure List

 

Abbotsford Detached - March 2017
Chilliwack Attached - March 2017
Coquitlam Attached - March 2017
Langley Attached - March 2017
Langley Detached - March 2017
Maple Ridge Attached - March 2017
Maple Ridge Detached - March 2017
Mission Detached - March 2017
New Westminster Attached - March 2017
North Vancouver Attached - March 2017
Pitt Meadows Attached - March 2017
Richmond Attached - March 2017
Surrey Attached - March 2017
Vancouver East Attached - March 2017



Creating and Continuing a Legacy

 

I found a solution where you can organize and store financial, legal and important information.  This service allows you to create a legacy by building your life story and passing it on to your loved ones.

Legacy Shield is an online portal that makes owning and managing your life insurance and other financial assets easy.  Think of it as a playbook, a way to track your goals and financial assets and protect what you've spent a lifetime building.  It helps identify what steps to take to safeguard your legacy and provide you with tools to do so.  Legacy Shield even gives you the means to preserve your memories and pass your life lessons and stories to those important to you.

www.legacyshield.com

Legacy Shield has an awesome referral program.  Email me to learn how you can earn.



'We are all doing it': Employees at Canada's 5 big banks speak out about pressure to dupe customers

 

The three main fibs I've seen over the years for mortgages:

1. "Mortgage insurance is required to get the mortgage". 

This is false. It's not required at all. 

2. "Fixed rate mortgage only has a 3 month interest penalty if you break it"

This is false. There is an interest rate differential penalty involved.  

3. "We can easily transfer your mortgage to another property"

This is false.  Most of the time you have to re-qualify for the transfer. 

What my advise would look like for the above three: 

1. Mortgage insurance is crap.  Get it for the time being while you apply for a term policy direct from an insurance company. Once approved cancel the mortgage insurance. 

2. Use a lender that has a cheap interest rate differential penalty calculation for penalties.  Avoid all big bank fixed rate mortgages like the plague.  

3. Generally you can't, banks want you to re qualify again for the transfer.  Therefore, do not sell your property, until we have a new approval for you. 

http://www.cbc.ca/news/business/banks-upselling-go-public-1.4023575



Family on Spring Break

 

We're fortunate now to have some sunshine over spring break so we took a chance to spend some time outdoors at Granville Island.

Here's a video of our outing - Spring Fun Granville Island

For the kids this Spring Break also brought on another lost tooth, late nights, sleeping in, sleep overs, more reading and visiting with friends.

I don't know about you, but I think I'm ready for a regular school schedule!



Workers in the Community

 

This month Dylan is learning at school about the different businesses and jobs in the community.  He had an assignment to report on workers in the community.  He decided to honor his mom and dress up and report on the job of a chef.

I think he looks super cute.  His presentation to his class was probably awesome too.

You can find more of these chef photos on my Instragram feed.

Follow on Instagram Here!



History of Granville Island Redevelopment Videos

 

A friend's mom used to work on Gravnille Island in the 70's.  She remembers how dangerous it could be to walk around that area at that time.  

Interesting to see how it was redeveloped.  Hard to believe how Granville Island has become a place for family fun.

History of Granville Island Redevelopment Videos



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