Kelowna, BC

Canadian Mortgage Rates for January 26, 2009.

Provided by: MortgageOpolis

The 1 year fixed rates has dropped from 3.89% to 3.50%

Prime Rate	3.00%
Variable Rate	Prime plus .80%
1 year fixed term	3.50%
2 year fixed term	4.29%
3 year fixed term	4.29%
4 year fixed term	4.29%
5 year fixed term	4.39%
6 year 5% cash back	6.75%
10 year fixed term	6.35%

Rates subject to change without notice.

See more rates at MortgageOpolis

Kelowna residents are amongst the thirstiest in the entire world!

Water consumption is a hot topic and recently it has jumped into the headlines here in Kelowna,BC. Although some progress on reducing water consumption locally has been made, those efforts are not nearly enough! The following article by Castanet.net is as alarming as it is sobering. It got me to thinking as to how I use water on a daily basis and where I could cut back etc.

Here are some suggestions on how to reduce your daily consumption:

1. Wash dishes in the sink by hand rather than using a dishwasher.
2. Fix any leaky faucets immediately as they are a prime contributor to wasting water.
3. Wash your car a little less I don't think it will mind.
4. Water your lawn on the days that the city has deemed appropriate.
5. When shaving don't leave the water running, fill the sink and rinse as needed.

The Government of Canada has a good article on water conservation on their website as well. If we all make a little effort we really can make a difference. Water truly is our most precious resource because without it there is no life!

Sincerely,

Jason Neumann

Canadian Mortgage Rates for January 22, 2009

Provided by: MortgageOpolis

The 1 year fixed rates has dropped from 3.89% to 3.50%

Prime Rate	3.00%
Variable Rate	Prime plus .80%
1 year fixed term	3.50%
2 year fixed term	4.29%
3 year fixed term	4.29%
4 year fixed term	4.29%
5 year fixed term	4.39%
6 year 5% cash back	6.75%
10 year fixed term	6.35%

Rates subject to change without notice.

See more rates at MortgageOpolis

Canadian Mortgage Rates for January 20, 2009

Provided by: MortgageOpolis

Prime Rate	3.00%
Variable Rate	Prime plus .80%
1 year fixed term	3.89%
2 year fixed term	4.59%
3 year fixed term	4.55%
4 year fixed term	4.59%
5 year fixed term	4.69%
5 year cash back	6.75%
10 year fixed term	6.45%

Rates subject to change without notice.

The Bank of Canada announced today that it is dropping the overnight lending rate to 1% and Major Canadian Banks followed suit by dropping their Prime Rate to 3%. Other lenders are expected to follow suit in the coming days.

Take care,

Dave Vrabic, MortgageOpolis

I  was tweeting along...and came across this post by tamaradorris that I had not watched in a while.  After watching this incredibly awe inspiring performance it got me to thinking about how we evaluate a person without really knowing much about them at all.

On the surface it would seem like Paul Potts was going to be a complete dud as a performer, that is until he opened his mouth and began to sing.  You can see that in an instant he had won over every person in that auditorium and moved many of them to tears.  Mr. Potts didn't exude confidence but what he did do was put himself out there and showcased his talent.  He was very humble and unassuming but a risk taker and that leads me to my point.  That kind of special talent lies within everyone of us!!! (well minus the singing talent in my case).

What I took away from watching this video again was:

• Stepping out and taking risks is necessary to succeed
• Talents are not something to be hidden from others
• Sharing a talent will inspire the people around you
• People are looking to be inspired in their lives
• Being considered an underdog is a good thing

So remember to share your talents with others no matter what they might be.   We want to get to know the real you!