Monthly Archives: February 2018

Real Estate Investing in Canada

According to a survey the time, which the America refers to as the great recession, badly affected the US real estate. An estimate is that one out of every five hundred houses went into foreclosure process. It is the consecutive fourth year and there are still no signs for the USA real estate market getting any better. However, on the other hand, the Canadian real estate market has been doing great. The Canadian banks showed no failure even in the great depression hit. Amazingly, the delinquency rate of the mortgages in Canada is less than one percent. The question is how Canada came on top in the real estate when the whole economy is going through recession. The first thing, which is understandable, is the way their banks performed. They used a strategy where the chances of loss were minimal. The banks in Canada lend money to those who people, whom they thought will be able to pay it back. It sounds simple.


However, it requires a great responsibility at the end of the bank to conduct a proper enquiry for each individual who applies for the loan. The best part is that it showed results. If you compare the real estate of USA with Canada, the agents in Canada are not as busy as compared to the agents in USA. The difference in population is also an important consideration here. Canada has only recorded population of 34 million only, while USA has a population of over 307 million. However, when we compare both the markets, the economy is also an important factor. USA is ranked number 1 in the world’s economy, while Canada is only 9th. Considering all the above factors, it is obvious that adopting the standards, which the Canadian banks have adopted might not be as easy and simple for USA banks. But one thing is for sure, that the Canadian Regulatory system of Banks has proven to be very effective especially for their real estate Equity investment market. Another important factor is that the Canadian homebuyers do not get any write-offs on taxes like in USA.

The only thing a Canadian homebuyer receives on buying a property is capital gain tax exemption. Therefore, as there are no mortgages interest deductions, the Canadian have to quickly pay down their mortgages. Another important factor is the non-recourse loan. The Canadians homeowners are required to pay off the mortgage debts even if they have lost the home. This way a homeowner cannot get away from any real-estate loan debt. These strategies, which differ in the Canadian real estate, can be a great lesson for the USA real estate. The fact that Canadian real estate has performed a lot better than the USA real estate during the last few years proves that they must be doing something right. Whether it be the banking strategies or mortgage regulations, the experts should analyze and compare both the markets and see what is there to adopt from their strategies.

Glasses for round face shape

Which styles of glasses for round face shape available online?
Round faces have full cheekbones with narrow jaw and forehead. The wide part of a round face stretches from ears to ears. This face type usually appears innocent and youthful. Glasses frames to suit round face are rectangular, butterfly and square frames. When looking for glasses for round face shape, look for strong details, wider than tall glasses and nose pads for height.

Rectangular eyeglasses: Rectangular frames looks quite attractive and trendy on a round face. You can easily find a number of options for this frame shape.
Butterfly sunglasses: These oversized frames look good on all face type. When in doubt which sunglasses will suit your face type go for this one. The big frames draw attention away from the face type. This definitely falls under the category of glasses to suit round face shape female.

Square shaped eyeglasses: The square shaped eyeglasses look good on a round face. They are normally oversized frames and goes quite well with the round face.
Why is it a good idea to buy glasses online?
All top eyewear brands are available online at high discounts. If you buy from, they offer up to 65 percent of discounts which sometimes goes up to 70 percent.
Good sites offer dedicated customer service teams that help you in your purchasing and assists you in case you face any problem.
Generally reputed sites have hassle free refund policies and you can shop conveniently anytime anywhere.

Bitcoin investing and trading

There are a lot of people who trade daily within the Bitcoin market all over the world. These traders are given the chance to gain substantial profits for themselves by trading and investing in the Bitcoin market. However, even if the Bitcoin market can provide you with such opportunity to earn, there are also certain pitfalls that you can fall into that would result to you losing your investments rather than creating profits with them.

There are a lot of problems that you may encounter in the Bitcoin market, more if you have just started out in trading within the market. However, there are ways that a newbie can able to participate in the trade within the market without having to lose or to minimize the loss that they may make. These Bitcoin trading tips can be useful in making substantial profit gains as you trade within the Bitcoin market.

The first thing that you should bear in mind in trading within the Bitcoin market or other trading markets, is that you have to have the right knowledge and information that is needed for you to successfully trade in the market. Being able to understand the market can allow you to understand how the best Bitcoin trading system works and form strategies in how to trade.

Aside from having the right information that you may get through online research work, you may also want to familiarize yourself how it is like in the Bitcoin market environment and to test out your strategies. You can do both of this without actually participating within the real Bitcoin market. You can do this by using simulations of the Bitcoin market that are available online and will give you some free bitcoin to play around the platform, or by trying out demo accounts that can be provided by Bitcoin brokers that you may considering opening an account with. This can provide you with a perfect opportunity to practice and to test out your strategies without having to lose your money.

Advertising An Apartment for Rent

advertising an apartment for rent

Within a few hours, I had received a dozen phone calls from people who had seen the apartment for rent ad I displayed. I began to keep a list of their names and phone numbers saying that I would get back to them. I didnt want to show the apartment until the weekend, which was still several days away. Two days after announcing that I had an apartment for rent, I had more than sixty phone calls. I was getting quite annoyed and was seriously considering asking more for rent. I now had fifteen people lined up to examine the apartment. The sound of the phone ringing was now irritating me.

I was also amazed that some people had the nerve to call at the most inconvenient hours. There was no way I’m talking to someone about an apartment for rent at midnight. I didn’t even bother to take that insensitive persons information, I just hung up angrily. I contacted the newspaper the next day and requested them to remove the apartment for rent ad. I was in no condition to deal with another fifty phone calls. Sure enough though, when I arrived home, my answering machine informed me that I had eighteen new calls. I could not believe that an apartment for rent was so much in demand. I called the current tenant and asked her to remove the sign from the apartments window.

advertising an apartment for rent

That weekend, I started to display the apartment and I was struck at the quality, or lack of, that people showed. Some of them were unable to provide any references. My favorite was the young girl who didn’t have any references or job, and said that her married boyfriend was finding her a new apartment so she could be closer to him. I couldn’t stop myself from wondering if her married boyfriend was someone I knew. By the end of the weekend I decided that the apartment for rent sign would not be displayed again, as I have found a few desirable tenants. Next time though, I’ll make sure that I ask for more rent.

Making Great Coffee

making great coffee

There is nothing more satisfying than having a freshly brewed coffee in the morning. I say fresh as good coffee is not about getting it out of the jar but actually making your own from fresh beans. You just can’t beat the aroma of freshly ground beans.

Coffee Origins

Coffee has come a long way since it was first discovered in Ethiopia in the 15th Century. It is now thought to be one of the largest agriculture exports in the world. The actual country that coffee beans from will determine its flavor, aroma and body and the taste characteristics will also change depending on the growing region. For those of you that like strong robust coffee, Brazilian beans are a favorite and Brazil has the largest export of beans per year than most other countries.

Barista Perfection

There is no perfect way to make a coffee it really depends on your taste buds but the best way is if you buy whole beans and grind them yourself at home. This will produce the best tasting coffee. You can grind using a mortar and pestle but this is not only time consuming but hard work. There are some great coffee machines on the market that contain an inbuilt mill and this is by far the easiest way. Coffee machines have evolved since they were fist invented many years ago and now you are able to make coffee at home as good as any Barista in any coffee house. When choosing a coffee maker you will want to make sure that it has all the suitable functions and enables you to make the style of coffee you love. Many on the market are aimed at different types of coffee, such as lattes, cappuccinos etc. However there are also certain ones that will produce all styles of coffee. They are more expensive but well worth it if you appreciate fresh coffee and it something you will use often.

making great coffee

Good For You Too

There are also some great health benefits in drinking coffee, did you know that research scientists have discovered that coffee can lower cholesterol which can help cut the risk of heart disease by up to 40%, it also has a high level of antioxidants which as we know are good for us as they been proven to reduce the risk of many diseases and illnesses. So all this time experts have been telling us that coffee is not good for you, well it looks like it is. Obviously you don’t want to start drinking it by the galleon, that won’t be good as it can also have laxative effects! But it is nice to know that whilst you are enjoying your morning brew you actually doing yourself some good to!

Coffee is an affordable luxury that can be enjoyed by all. If you enjoy your coffee, then make it the right way and you will ensure you get a great tasting cup, every time.