John's February Home News

John Charbonneau -

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john@canadianmortgagefinders.com
604-818-2840
https://www.canadianmortgagefinders.com

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February Foreclosure List

 

Abbotsford attached
Abbottsford Detached
Burnaby Attached
Burnaby Attached
Maple Ridge, Pitt Meadows Detached
Mission Attached
New Westminster Attached
North Vancouver West Vancouver Detached
North Vancouver West Vancouver Detached
Port Coquitlam, Coquitlam, Port Moody Attached
Port Coquitlam, Coquitlam, Port Moody Detached
Richmond Attached
Richmond Detached
Surrey Delta Cloverdale Detached
Surrey Detached
Surrey, North Delta, Cloverdale Attached
Tsawwassen, Ladner Attached
Tsawwassen, Ladner Detached
Vancouver East Attached
Vancouver East Detached
Vancouver West Detached
Vancouver West Attached

Our January list of Vancouver Lower Mainland properties listed for sale through the foreclosure process has once again been provided by P.A. "Doc" Livingston, PREC.

Feel free to reach out to "Doc" if you would like more information about these properties and  contact me if you would like to know how arranging financing for a foreclosure purchase is different than a traditional real estate purchase.



Micro Loans - Meet Marivic In The Philippines

 

For over 10 years I have been lending small amounts of money to individuals in Third World Countries to help them start or expand small businesses.

These are called micro loans. An individual might need $500 to buy equipment. I can lend the person as little as $25 and my funds go into a pool to help that person. I don't earn any interest but the borrower pays interest and the interest is used to cover the cost of operating and administering the loans.

Here is an introduction to the most recent person I have helped.

Marivic is a 38-year-old mother who lives in Carles, Iloilo (Philippines). She was blessed with one son and two daughters. Her husband is a fisherman, but she still buys more fish to sell.

Basically, Marivic has a buy-and-sell business in addition to fishing. She plans to expand this business, which is why she asked for a loan from KIVA. Marivic will buy a variety of fish, crabs, and shrimp to offer more to her customers and boost her sales as well as her profits.

The bigger part of this loan will help Marivic buy a new engine for their fishing boat.

You can get involved and open an account with as little as $25 and start lending out money. There are hundreds of potential borrowers around the world. You can pick the countries you want to help and then focus in on men or women, or both.

Check it out at KIVA.org.

97% of all the money that I have lent out has been paid back by the borrowers.



There is a Link Between Clutter and Depression

 

Dishes in the sink, toys throughout the house, stuff covering every flat surface. This clutter not only makes our homes look bad, but makes us feel bad, too.

Several studies over the past 10 years have connected clutter with behavioral and mental health issues. Research has found that clutter can increase the stress hormone cortisol and cause lower productivity, insomnia, weight gain, procrastination, and depression. That's a list of health problems you don't want to take to your annual checkup.

Adopt the Rule of Five

Every time you get up from your desk or walk through a room, put away five things. Or, each hour, devote five minutes to decluttering. At the end of the day, you’ll have cleaned for an hour.

Be Ruthless About Your Kitchen Sink

Pledge to clear and clean your kitchen sink every day. It takes a couple of seconds more to place a dish in the dishwasher than dump it in the sink. A clean sink will instantly raise your spirits and decrease your anxiety.

Put Photos Away

Return to yesteryear, when only photos of ancestors or weddings earned a place. Put snapshots in a family album, which will immediately declutter many flat surfaces.

Unburden Your Refrigerator Door

Researchers found a correlation between the number of items stuck to the fridge door and the amount of clutter throughout the house. Toss extra magnets and paper, like calendars or take-out menus, that you can easily find on your phone.

Test Whether You'll Miss It

Fill a box with items you don’t love or use. Seal the box and place it in a closet. If you haven’t opened the box in a year, donate it (unopened!) to charity.



Mexico Calling!

 

Knowing that we would be heading south to Mexico for a couple of weeks in February sure made it easier to handle the well below zero temperatures of January here in Canada.

What a contrast! While here in Mexico I am actually thinking that we will only have about six weeks of curling and downhill and cross country skiing left when we get back home.



How To Use Your Cell Phone While Travelling

 

While a vacation seems like an ideal excuse to disconnect from technology, there are many reasons to need your smartphone. Whether researching attraction opening hours, mapping out a route, checking in with loved ones back home or uploading photos, you don’t want to get stuck paying outrageous roaming charges during your trip abroad.  

The last thing you want to worry about while on vacation is your phone bill. There are several thoughts to keep in mind that could help alleviate the stress of roaming charges or your phone not working when you need it. There are various ways to message, call and post while on holiday, many of which are cheaper or easier than you may think. Remember these tips the next time you plan to use your phone outside of Canada. 

Stay on airplane mode

Enable airplane mode and keep it on while travelling outside Canada to avoid international data usage. Some smartphone apps automatically download data even when not in use, and data roaming charges apply to received and sent messages.

Rely on WiFi

Most hotels, airports and restaurants around the globe offer WiFi, so you might not need an international phone plan while travelling. Many European cities have WiFi you can connect to; it isn’t secure, but it is fine for maps.  Google Maps allows you to download an offline map, for example. If you’re opting for a resort stay, you’ll have an internet connection included, so there is no need for additional data usage. Websites for accommodations typically state that WiFi is included, and you should always check that before travelling.   

When you want to connect with family and friends, there is no need to make a long-distance call. Instead, you can make calls via WiFi through applications such as Skype, WhatsApp and FaceTime. 

Keep your phone secure

When using WiFi when overseas, you should keep cyber safety in mind. The FBI advises not to allow your phone, and other devices, to automatically connect to free WiFi networks to protect yourself from cybercriminals who could attempt to steal passwords or load malware on your device.   

Remember to never connect to a fraudulent wireless network by confirming public WiFi names and login procedures before using them. If you use a network that is not secure, don’t do anything sensitive on your phone, such as banking and turn off the location services on your phone, so people cannot follow where you are.   

Consider adding an international data plan

If you prefer to have access to international data, in case an emergency arises, make sure you have a roaming add-on package.  The travel package means you have the same plan as your home country and will be charged one set fee for the day’s usage, not per activity or message. The one I use with my Rogers cellphone costs about $15 per day, less if traveling to the US.

Before you sign up, consider where you are visiting and when you might need it. For example, data roaming isn’t available on a cruise when at sea. In that case, you’ll want to look into WiFi packages on the ship as an alternative instead of paying for multiple plans. 

Buy a pre-paid SIM card

Instead of an add-on package for your phone, a pre-paid SIM card is typically the cheapest option and offers the best phone service. With this method, you’ll receive a local phone number, and data plan, during your travels.

You can replace your current SIM card — a small card with a memory chip that holds your identification information and connects to a designated mobile network — with one that works with a network in another country. Local SIM cards are available for purchase at airports, convenience stores or online on Amazon. I take an older cell phone with me, just to use with one of these SIM cards.

If you plan on buying one online before your trip, research the best mobile networks in the country you are visiting and, therefore, the SIM card brand to get. If you purchase one once you arrive, it may be more expensive, but you’ll know it works for that destination, and a store employee may even be able to help you choose the best option.   

Cell phones need to be unlocked before a SIM card can be changed. New smartphones can use international SIM cards, but if you have an older model, you’ll want to call your service provider to unlock it before you travel.  

  



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