Steven Crews - July 2018 Newsletter

Steven Crews - Mortgage Broker | Financial Advisor

BOSI Financial Inc

steve@mymortgagebroker.com
403-870-2669
https://MyMortgageBroker.com

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Foreclosures & Other Interesting Properties

 

Here is our July 2018 List of Foreclosure Properties & Other Properties of Interest:

Calgary & Area Properties!

NE Bank Owned

SE Bank Owned

SW Bank Owned

NW Bank Owned

Judicial Sales

Calgary Handyman Specials

Airdrie Bank owned or Judicial Sale

Chestermere Bank Owned or Judicial Sale

Cochrane Bank Owned or Judicial Sale

Okotoks Bank Owned or Judicial Sale

Outside Calgary Handyman Specials

East Side Suited Homes under $350k

West Side Suited Homes under $500k

Triple Car Garage under $650k

Calgary Luxury Homes over $3.5 million

Outside Calgary Luxury Homes over $3.5 million

Edmonton & Area Properties:

Edmonton Foreclosure Properties

If you are considering a foreclosure purchase, please give me a call before you write an offer.  Purchasing a foreclosure is a little different than purchasing a resale or new home.  There can be some lender stipulations and conditions.

If you have questions about any of these, feel free to call/text me (403-870-2669) or send me an email.



Six Vegetables To Plant Late Summer

 

Looking to plant vegetables in your garden? Are you afraid it is too late to start in late summer? While some plants are not suited to this time of year, there are quite a few that thrive when you plant them later on in the summer. Here are six of the best vegetables you can plant late summer and attain great results.

Read Article Here...



A Large Percentage of People Are Choosing Variable Rates?

 

The safe and sound choice in today’s mortgage market is to lock down a rate for five years and let borrowing costs do what they may. 

I have found that many clients that I speak with are more conscious of, and ask about the variable rate options as well. Today the variable rate is over 1% below the fixed for a 5 year term  It's certainly an option to seriously consider. 

This article posted in the Globe and mail suggest the fixed rate option for first time home buyers but the variable for more seasoned mortgage holders... I think every situation can be different and it's always good to review all your options before you decide for yourself.  Here is the link to the Globe and Mail article if you want a little of their insight...

>>> Click here to continue reading this article



Danielle's Graduation From High School

 

In June, we celebrated Danielle's graduation from Bishop Carroll High School.  We're really proud of Danielle, she received the Hayley Wickenheiser Award for her academic and athletic performance in her high school career.

Now she is looking forward to attending U of C studying Psychology.



Canoe Trip with Matthew

 

This year, our 5th Annual Canoe trip was from Nordeg to Rocky Mountain House.   The Nordeg area is quite beautiful.  We were luck to have fantastic weather.  It rained a little on Saturday evening as we were unloading the canoes but the sun was shining the whole time.

There were some tricky spots with rapids along the route.  Everyone made it without falling in.  I'd really recommend this area for a canoe trip, there were lots of nice spots to camp along the banks and the river moved at a fairly good pace.

In this picture, we are just preparing to push off on the Friday morning.



Teaching Kids Smart Money Habits

 

There's no doubt that teaching your child smart money management habits is vital to their long-term success. But amid all the soccer games, PTA meetings and lunch-packing, the school year can get busy -- making summer the perfect time to start teaching them about money. Here are some great ways to help your child understand finances:

Empower them to earn. Start chores young, giving your child small, incremental responsibilities around the house in exchange for money, play time or another reward. Show them that hard work pays off.

Encourage them to get a job. When old enough, encourage your kids to get a job. Maybe it's babysitting for a next-door neighbour or clearing tables at the pizzeria down the street. Whatever it is, working outside the home helps teach financial responsibility, social skills and time management all in one fell swoop.

Try a prepaid debit card. Prepaid debit cards are a great way to teach your kids responsible spending habits without too much financial risk. Consider depositing a small amount onto the card each month and letting them figure out how to budget it week over week. After a few overly indulgent purchases (and a zero balance until the next month rolls around), you can bet they'll start learning how to manage their funds more wisely.

Use tech to your advantage. It's no secret that today's kids are tech-savvy, so why not leverage that? You can find apps to help them manage their pocket money, learn to invest and save, and establish smart spending habits.

Encouraging your kids to develop smart money management habits can set them up for a lifetime of success -- and maybe even help them buy their first home.



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