Celebrating the Earth Day
Achieving a green world lies in the hands of the nurturers. How do we care for our mother earth?
What can we do to contribute?
A celebration such as the Earth day is a good way to remind us of our natural responsibility to take part in energy conservation or taking on green jobs, among other activities.
Everything begins from doing our own personal commitment to lead a green lifestyle. Spreading the word to celebrate the Earth Day or setting an example in school, at work and at home could create an impact.
We do not have to take huge steps. Simple things count, such as recycling, or buy reusable containers and bags. You could grow some plants, take a walk, ride a bicycle, or do carpooling. There are so many things that could be done.
It could start from how we do our daily activities. Make a green routine, until it becomes like your second nature.
If we are conscious of our environment, then we know that we are doing our share to make a liveable, healthy, clean and green world.
Happy Earth Day, everyone!
:~)
"Could I Do the Home Selling on My Own?"
As a homeowner, you are well aware about the many aspects of your home. If you have occupied the property, you know how good you've maintained and worked on it over the years. At some point, you may need to do some repairs. In fact, you may even consider doing some upgrade or any improvement necessary to make the home even more attractive, neat and functional.
Now, the point has come when you wish to sell your biggest investment: your home.
When you are thinking of selling your home, the very first thing that would come to your mind is the price. And why not? Of course as a homeowner, your concern is to know what would be the amount of return from your original investment, should you decide to really sell your property.
There, your question goes, "Could I do it on my own?"
Have you been looking at your neighbourhood? If there were some properties that were sold in your area, would you know the amount of the purchase and sale? Would these properties have exact characteristics, floor area and lot size compared to your property? Were there some renovations done?
In other words, how familiar are you of the factors that contributed to the sale of the home in your neighbourhood?
If you are to do it on your own, would you be confident enough about how you will package your property as a product and set aside your emotional attachment to your well-priced possession? Do you have the time to do the research and other aspects that go with selling the home? How about the disclosures, financing, and legal contracts?
To most people, the process of purchase and sale of a property may seem complex.
Therefore, the person doing the work of home selling which includes research, marketing, negotiation and closing, should have the skills and competence to carry out the job.
---
Sheila Atienza,
Book Author, Canadian Home Financing Simplified: How to Qualify as a Real Estate Buyer
Book Author, How to Prepare to Own a Home in Canada: Recession-proof Lifestyle for Immigrants and First-time Buyers.
You can get your copy through the online bookstores.
How Much is the Property Worth?
Before a person can do any business of either buying or selling a home, one should be able to assess how much it will likely sell in the market.
Usually, the buyer should be concerned about how much a seller is willing to accept the price that is being offered on the purchase of the property, considering all other factors.
A consumer seeking the help of a real estate agent is often given a market evaluation to review.
The CMA or what we call the Comparative Market Analysis is about looking at the properties that are currently on the market or have been sold in the last few months (usually three to six months on average) or depending on the market area.
Both the buyer and the seller need to understand this aspect, in order to have a better idea how much a given market will likely respond to the property price. How high could a seller reasonably put the price on the subject home? How long will it take to sell the home given the price aspect?
On the other hand, a buyer looking into purchasing the home in a particular market should know whether a particular property is being sold at the right price. A buyer would have a better picture through the comparative market analysis or CMA that has been prepared by the real estate agent.
With this, you could be comfortable whether you'd like to give it a go or not.
There may be other factors affecting the purchase and sale of a home. Some are dependent on the personal circumstance of the party concerned.
There are sellers who may need to adjust the price because they may have found a place in which they can move as a new homeowner.
Others simply need to lower the price for personal reasons and they would like to have immediate access to the home equity (instead of doing some changes in their mortgage like refinancing or applying for a secured line of credit).
Copyright 2010 All Rights Reserved by Sheila Atienza
How Canadians Are Responding to Changes on Mortgage Rates
We've been hearing the news lately about the interest rates increase and somehow, we can't help but wonder how it will affect us.
Some consumers have started locking in their mortgage while others are in the wait-and-see mode.
An article in the Financial Post published on April 20, 2010 reveals that Canadians are taking the news on the mortgage rates increase in a not-so-alarming position. After all, we've been there at some point and the recession has given us so much time to understand, plan and prepare for our needs.
Putting our priorities in place would obviously make a difference.
Consumers should look at their financial position, individually and as part of the household, whether they are comfortable with their spending or they need to set aside some more funds for some future undertaking.
In fact, we should all look at and review our contingency plans, in case, things don't work out.
So, have you thought about your plan B?
Sheila Atienza,
Book Author, Canadian Home Financing Simplified: How to Qualify as a Real Estate Buyer
Book Author, How to Prepare to Own a Home in Canada: Recession-proof Lifestyle for Immigrants and First-time Buyers.
You can get your copy through the online bookstores.
Is It Time Already to Look at Your Mortgage?
Here's an article I've posted recently in my book blog site
http://Canadian-Home-Financing.iClickProperty.com
Thinking of Getting a Mortgage?
Copyright 2010 by Author Sheila Atienza
Some of us may have an existing mortgage which may be up for renewal at some point. Others, with different reasons are intending to have an access to their home equity by way of refinancing. Some circumstances could lead many of us to consider various financial options.
Even those who are yet to be in the position of a homeowner may need to understand what it takes to qualify for a mortgage, which is an integral part of home buying.
The question is how many of us are aware of what the process entails?
Do we know how healthy is our credit position?
How many people do we know who have tried to apply for a mortgage yet ended up disappointed as the bank turned them down?
Sometimes, it takes going back to the basics to learn the whole process again, so we could be more comfortable looking at the world of home financing.
Sheila Atienza,
Book Author, Canadian Home Financing Simplified: How to Qualify as a Real Estate Buyer
Book Author, How to Prepare to Own a Home in Canada: Recession-proof Lifestyle for Immigrants and First-time Buyers.
You can get your copy through the online bookstores.
 |
|
|
Richmond REALTOR, British Columbia - Metro Vancouver - Richmond Market; Published Book Author of "How to Prepare to OWN a HOME in Canada:Recession-proof Lifestyle for Immigrants & First time Buyers
Search Properties
By
Price Range
Location
Apartments
Townhouses
Duplex Houses
Single Detached Houses
Receive Update on MLS Listings from Sheila Atienza today!
Fill out our Contact Form.
Richmond Townhouses
Richmond Apartment and Condos
Richmond Houses (Single detached)
Richmond Duplex Homes
Get Market news, timely buyer/seller tips and information, including up to date rates.
Sheila hosts and features several links and internet sites in real estate and mortgage.
You may visit: www.iclickproperty.com , www.iclickmortgage.com,
http://sheilaatienza.mlslink.mlxchange.com ,
http://YouarePrivileged.iclickproperty.comhttp://tweets.iclickproperty.com
http://Prepare-to-Own-a-Home.iclickproperty.com
http://Canadian-home-financing.iclickproperty.com
Professional Qualifications, Education and Memberships:
Sheila Atienza is a licensed real estate professional, based in Richmond, British Columbia, Canada and member of the Real Estate Board of Greater Vancouver.
She is currently working at Multiple Realty Richmond office and specializes in the areas of Richmond, Surrey, New Westminster, Burnaby, among the major cities in the Greater Vancouver area. She provides real estate trading services in buying and selling properties geard toward helping future Canadian Homeowners, such as first-time BC home buyers, immigrants as well as seasoned and young investors in the Lower Mainland.
Sheila Atienza has written books on real estate, personal finance, self-help, personal growth and communication.
As a Richmond BC Realtor, she is pleased to work in the following communities in the city of Richmond:
Terra Nova Sea Island Bridgeport West Cambie East Cambie Riverdale Quilchena Granville Seafair Boyd Park Steveston Village Steveston North Steveston South Westwind Woodwards Broadmoor Garden City Saunders South Arm Brighouse Brighouse South Mclennan North Gilmore Mclennan East Richmond McNair Ironwood Hamilton.
BC Realtor Sheila Atienza specializes in selling and helping you buy Richmond Apartments, Richmond Condos, Richmond Townhouses, Richmond Single-Detached Homes, Vancouver Apartments, Vancouver Condos, Vancouver Townhouses, Vancouver Single-Detached Homes.
If you're interested to list your properties or to do a customized search of home specifically tailored-fit to your need, please contact Sheila directly through her web site contact form.
Sheila Atienza's iClickProperty.com serves the real estate market area of Richmond, Vancouver, Burnaby, Coquitlam, North Vancouver, Surrey, Delta and New Westminster. Sheila Atienza is a local market specialist in the communities of Richmond, such as, Terra Nova, Sea Island, Bridgeport, West Cambie, East Cambie, Riverdale, Quilchena, Granville, Seafair, Boyd Park, Steveston Village, Steveston North, Steveston South, Westwind, Woodwards, Broadmoor, Garden City, Saunders, South Arm, Brighouse, Brighouse South, Mclennan North, Gilmore, Mclennan, East Richmond, McNair, Ironwood, Hamilton. Sheila has been helping immigrants, first time buyers and investors through the process of buying and selling of properties. So if you are buying or selling a condo unit, townhouse, detached house or for any of your real estate needs, including getting financing approval from a bank or lender, please contact your Richmond Consultant, Sheila Atienza.
Connect with Sheila Atienza
To get an update on books and articles written by Sheila Atienza or other events and activities, join Sheila Atienza on facebook and twitter:
See the latest updates!
Visit my page at Chapters.indigo.ca! 
Canada/US/International Bookstores: books.iclickproperty.combooks.iprivilege.com chapters.indigo.ca amazon.ca amazon.com
http://Prepare-to-Own-a-Home.iclickproperty.com and
http://Canadian-Home-Financing.iclickproperty.com
In the News:
New Book Launched to Help New Immigrants and First-time Home Buyers in Canada
Privilege Solutions Integrated, a BC-based publishing firm announces the launch of its recently published book title: "How to Prepare to Own a Home in Canada, Recession-proof Lifestyle for Immigrants and First-time Buyers" written by Sheila Atienza.
The book presents integrated ideas and guideline on how newcomers to Canada as well as aspiring homeowners should look at their personal finance, establish credit, handle resources and understand various aspects of mortgages, in order to qualify and be a homeowner in time.
Author Sheila Atienza who is also Realtor and Mortgage Broker based in British Columbia, says, "There's indeed a need for people to look at their home buying plans closely and the efforts to seriously prepare, as some mortgage applicants are not aware of their financial position, whether they are qualified or risky borrowers." Read more...
____________________________________________________________________
Featuring Other Books by Sheila Atienza
__________________________________________________________
Home Financing For Canadian Homebuyers Simplified
Vancouver, British Columbia, Canada - Are you quite ready yet to apply for a mortgage? Are you aware of the factors that will make your mortgage application successful?
BC-based publisher, Privilege Solutions Integrated has recently announced the release of the book "Canadian Home Financing Simplified, How to Qualify as a Real Estate Buyer", written by Sheila Atienza.
In the book, "Canadian Home Financing Simplified, How to Qualify as a Real Estate Buyer", Sheila Atienza has outlined the integral factors on how typically banks and lenders in Canada look at, qualify and approve applications for a home purchase mortgage.
"Real estate buyers should have at least some basic knowledge of what they are getting into, before they apply for financing, whether they have the appropriate amount of income to service their mortgage payments, or whether their employment and credit could qualify under some lending guidelines." says Sheila Atienza, who is dually licensed in British Columbia as Realtor and Mortgage Professional. Read more...
Subscribe to my website's Blog RSS Feed.
A blog on properties particularly for the Richmond real estate market, to showcase different neighbourhood and communities in Richmond and neighbouring cities in Metro Vancouver.
On my list are:
Boyd Park Homes, Bridgeport Homes, Brighouse Homes, Brighouse South, Brighouse Apartments, Brighouse Homes, Brighouse Properties, Brighouse South Homes, Broadmoor Homes, East Cambie Homes, East Richmond Homes, Garden City Homes, Gilmore Homes, Granville Homes, Hamilton Homes, Hamilton Townhouses, Ironwood Homes, Mclennan Homes, McNair Homes, Minoru Properties, Moffatt Appartments, Moffatt Townhouses, Quilchena Homes, Richmond Apartments, Richmond Condominiums, Richmond Condos, Richmond Homes, Richmond Properties, Richmond Single Detached Houses, Richmond Townhouses, Riverdale Homes, Saunders Homes, Sea Island Homes, Seafair Homes, South Arm Homes, Steveston Houses, Steveston North Homes, Steveston South Homes, Steveston Village Homes, Terra Nova Homes, Terra Nova Townhouse, Vancouver Condominiums, Vancouver Condos, Vancouver Houses, Vancouver Properties, Vancouver Townhouses, West Cambie Homes, Westwind Homes, Woodwards Homes
So check back for more!
Richmond Vancouver West Vancouver East
Burnaby New Westminster Port Moody Coquitlam Port Coquitlam Maple Ridge Pitt Meadows
West Vancouver North Vancouver
A conversation with Sheila Atienza
Get to know Sheila better by checking out her page on the Q's and A's.
How does the Process of Home Selling Begin?
If you're contemplating of selling your property and would like to explore your options, you've come to the right place.
When you're ready to sell your property, you can hire a REALTOR to help you throughout the marketing process.
The Multiple Listing Service or MLS is the cooperative marketing system that members of the local real estate board can utilize to meet the needs of the local sellers and buyers.
It gives the sellers a wider exposure opportunity to market the property.
As a member of the Real Estate Board of Greater Vancouver, Sheila Atienza provides full MLS service integrated through her professional creative home marketing system. Read more...
Visit my Virtual Tour on Richmond!
Are you ready to be a Homeowner?
Working with a Realtor
Going through the home buying process could be overwhelming, particularly for the first-time home buyers.
But when you consult with a REALTOR®, you'll be glad to know that not only you could be saving time and money, but your priorities could be put in a much better perspective.
Preparation and Pre-qualification
If you are ready to continue with the process, you have to understand what it takes to go through the whole process of purchasing a home.
You will need to analyze what exactly you would need for you and your family.
You should have a home buying checklist. Are you flexible with your criteria? Or are restricted to specific factors?
Sheila Atienza serving Greater Vancouver in One Click!
Vancouver, British Columbia, Canada - Sheila Atienza is a Marketing Professional for over fifteen years. Prior to joining the Real Estate Industry, she has combined experience in advertising, business development, sales training, media, public relations, hotel sales and marketing.
She worked in Vancouver as Marketing Director of International Loss Prevention Systems. Sheila was also a Program Director/Marketing Director for a UK company managing international group of hotels. She has achieved recognition and was awarded certificates of merit and excellence in sales. She has also explored the Information Technology sector and has worked as British Columbia Regional Representative promoting to network of dealers and retailers.
Driven, resourceful and success-oriented, Sheila had completed courses in Internet Marketing, Management, Sales and various business training. She holds a Bachelor's Degree in Communication Arts. She studied in Sauder School of Business, Real Estate Division - University of British Columbia and obtained her licence in Real Estate Trading Services and Sub-Mortgage Brokerage.
Armed with solid experience, Sheila joined Multiple Realty Limited, a BC based real estate company incorporated in 1982 with branches in Richmond and Vancouver. She specializes in helping renters turn into first-time buyers, homeowners who would like to see various options in acquiring second property, moving up or scaling down, or simply interested to make use of their home equity to buy rental or investment properties. She also helps in educating Canadian immigrants through her published book, "How to Prepare to Own a Home in Canada: Recession-proof Lifestyle for Immigrants and First Time Buyers".
Sheila is dedicated to helping and serving her clients achieved their best interest, either through selling a property to buy another home or finding their first home.
________________________________________________________________________
Sheila Atienza's Blog: Real Estate & Mortgage - Tags:
Please visit: http://activerain.com/blogs/iclickproperty/tags
Richmond BC Real Estate - Vancouver BC Real Estate - Vancouver Real Estate - Richmond Realtor - Greater Vancouver Real Estate - Greater Vancouver Homes - Free Info Real Estate - Free Info Mortgage - Cambie Richmond Real Estate - Terra Nova Richmond Real Estate - Richmond BC Mortgage - Multiple Realty - Moffatt Homes - Moffatt Condos - Moffatt Apartments - Minoru Apartments - Minoru Homes - Minoru Park - Minoru Real Estate - Central Richmond Real Estate - Central Richmond Homes - Richmond Mortgage - Richmond Mortgage Broker - MultipleRealty - Steveston Real Estate - Steveston Condos - Steveston Apartments - Free Real Estate Seminar - First Time Buyer's Seminar - Richmond Real Estate Financing - Vancouver Real Estate Financing - Vancouver Mortgage Broker - Richmond BC Real Estate Agent - BC Home Sellers - Richmond Home Sellers - Richmond BC Homes - BC Renters - BC Home Buyers - Richmond Renters - Vancouver Renters - BC Home Owners - Richmond Apartments for Sale - Colonial Drive Apartments - Apartments near Richmond Centre - Apartments near Lansdowne - Richmond Apartments - Richmond Townhouses
Articles/Notes:
April 2010
Knowing How Much the Home's Worth
October 2009
Looking for Affordable Richmond BC Condos?
The Need for Newcomers and First-time Buyers to Prepare
MLS Listings Search Now on Richmond Realtor's Site
September 2009
Find Richmond Properties at Moffatt Brighouse South on MLS
Search.iClickProperty.com Helps Homebuyers Find Homes, Townhouses, Apartments and Condos For Sale!
Canadian Home Financing Simplified: How to Qualify as a Real Estate Buyer by Sheila Atienza
ISBN: 978-0-9811475-4-3
Book Description:
"...this book will be your companion as you start out your quest to getting approved and finding a home you've been thinking of owning!"
If you are contemplating of purchasing a home in Canada and would like to learn what it takes to qualify for financing, this book, "Canadian Home Financing Simplified, How to Qualify as a Real Estate Buyer", will serve as your guide to understand how banks and lenders qualify and approve applications for a home purchase mortgage.
Mortgage concepts discussed profoundly, such as different types of mortgages, term, amortization, payments, interest rates, mortgage default insurance, down payment, pre-approval, documentation, along with other important factors that make up a successful mortgage application.
__________________________________________________________________________
Are you an Immigrant or Newcomer to Canada?
Are you currently renting?
Are you thinking of owning a home?
Are you a First-time Buyer?
Do you know what it takes to qualify for financing?
Finally, here's a book that can help you qualify for a mortgage and be a home owner in time!
How to Prepare to Own a Home in Canada: Recession-proof Lifestyle for Immigrants and First-time Buyers
by Sheila Atienza ISBN:9780981147512
"A Great Read for NEWCOMERS in Canada!"
The book presents an overview of what awaits newcomers, how they should essentially look at their PERSONAL FINANCE, ESTABLISH CREDIT and handle resources; and understand various aspects of MORTGAGES.
A practical, highly-recommended reference for anyone preparing to enter the housing industry as a first-time buyer, whether in the midst of RECESSION or not!
For more info, please check out: http://Books.iClickProperty.com http://books.iPrivilege.com
Available at Chapters.indigo.ca, Amazon.ca, Amazon.com, Amazon.co.uk and other Amazon web sites.
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
Powered by the ActiveRain Real Estate Network
© 2013 ActiveRain Corp. All Rights Reserved
