Q. What is the minimum down payment required to purchase a house in Ontario? A. The simple answer is that the minimum down payment is 5% in Ontario. However, the rules have changed as of February 15, 2016. If the house price is $500,000 or less, the minimum down payment will remain at 5%. For houses...Read more
When encountering prospective patients, I find the greatest barrier to be the preconceived notions the general public has towards the profession. Chiropractic has existed for over 100 years while becoming inherently more mainstream as the years pass by. I will attempt to dispel some popular misconceptions people may have about chiropractors. If you are debating...Read more
If a taxpayer has over-contributed by more than $2,000 above their RRSP limit in a given month the CRA can assess a penalty equal to 1% multiplied by the over-contribution amount for each month until the over-contribution is taken care of. If you find yourself in this situation it is possible to contact your investment...Read more
Did you know most home insurance policies have limits on certain items? Examples of some of these limited items are jewellery, bikes, computers, collectables and other property. A good broker will go through this with you, to make sure you don`t have more than those limits allow. If you do, these limits can typically be increased to...Read more
One of the most frequent questions that I receive relates to budgeting for a new website. Clients are astounded at the range of quotes that they receive from design firms and it's no surprise! Website design is not a regulated field, meaning that we don't have set fees that we have to charge, with minimums...Read more
After the holiday bells come the holiday bills… and an opportunity to ponder that age-old question: can you buy happiness? As luck would have it, researchers have been studying that very thing. Family reunions, travel, parties, gifts… The holidays warm our hearts – but there’s a price to pay! Take a look:
What is family mediation & why consider using it to resolve conflict? There is no getting around it – divorce is painful and it can be expensive, but it doesn’t have to be a messy and financially devastating life event. One of the available alternative dispute resolution processes is called Family Mediation. This process is voluntary,...Read more
Often people aren’t as aware of hearing health as their vision or dental care. But hearing is equally important to fully engaging with life and the people around you. In most cases, hearing loss progresses very gradually. So let’s start with signs of hearing loss:Read more
- Do you think people mumble or speak unclearly?
- Do you ask people to...
2015 has been a banner year for us here in Niagara! The Average sale price for property is up and the days on Market is down. January 6th, 2016, Niagara – The Niagara Association of REALTORS® (NAR) reported 402 property sales processed through the NAR Multiple Listing Service (MLS®) system in December. This represents an 11.7% increase in...Read more
Interest in alternative and preventative health care is growing. However, many people are still unclear what Naturopathic Medicine is and if they need to see a Naturopathic Doctor. Below are five reasons to see a Naturopathic Doctor and achieve your health goals this New Year! 1. You are looking for reliable, trustworthy alternatives to conventional medical care. Naturopathic doctors...Read more