maya garg

What you see is what you get!

Imagination is everything. It is the preview of the life's coming attractions- Albert Einstein

Visualization- or the act of creating compelling and vivid pictures in your mind, may be the most under utilized success tool. Visualization magnetizes and attracts to you people, resources, and opportunities you need to achieve your goal Researchers have found that our brain sees no difference between visually seeing something and actually doing it. Harvard University researchers found that students who visualized in advance performed tasks with nearly 100% accuracy, students who didn't visualize achieved only 55% of accuracy.Visualization simply makes the brain achieve more To visualize for future success, all you have to do is close your eyes and see your goals as already complete.

If one of your objectives is to own a nice home on the lake, close your eyes and see yourself walking through the exact house you would like to own. Fill in the details, go room to room. What kind of view does it have? Make the images as clear and bright as possible. Write down each of your goals and objectives then review them, affirm them, and visualize them everyday and each night before going to bed To multiply the effect many times over, add sounds and feelings to your pictures.

If your dream house were on a beach, you might add the sound of surf outside your home. Then add the feelings of pride of ownership, satisfaction of achieving your goal, and the feeling of the sun hitting your face as you sit on your deck looking out over the ocean. If you have trouble seeing your goals, use pictures to keep your mind focused on your goals. Set aside time every day to visualize every one of your goals as already complete This is one of the vital things you can do to make your dreams come true. Some psychologists are now claiming that 1 hour of visualization is worth 7 hours of physical effort. That's a tall claim, but makes an important point- visualization is one the strongest tools in our success toolbox.

Consider this....

"HOUR OF POWER" ...20 minutes of visualization and Meditation.

20 minutes of exercise

20 minutes of reading inspirational books

Imagine what would happen to our lives if we did this every day. J

ohn Assaraf created a vision board, whenever he saw something materialistic he'd get a photo of it and glue it to a board. Then he'd see himself already enjoying the object he'd desired. Vision boards and goal (Dream) books make dreams come true. When NASA was working on putting a man on the moon, they had a huge picture of the moon covering an entire wall, from floor to ceiling, of their main construction area. Everyone was clear on the goal, and they reached that goal 2 years ahead of schedule! What's on your vision board, in your dream book... what do you see when you close your eyes and imagine?

click here for John Assaraf's free resources and examples of Vision Boards

TORONTO, July 7, 2009 - Canada's resale housing market recovered lost ground in the second

quarter and is poised to stabilize for the remainder of 2009, after a very slow start to the year,

according to the Royal LePage Market Survey Forecast and House Price Survey released today. As

the economy begins to stabilize and consumer confidence improves, house prices are expected to

appreciate slightly in much of eastern and central Canada. Greater than national average price

declines are predicted for the western cities that saw the greatest price inflation earlier in the decade,

including Edmonton, Calgary and Vancouver.

"Given the grim shape that Canada's real estate market was in this past winter, the turnaround we

have witnessed in the second quarter is really quite remarkable. We believe this improvement

represents a sustainable change across the country. While seasonally weaker conditions are to be

expected in the fall, the plucky Canadian real estate market is stabilizing and a healthy level of

activity is forecast for the second half of 2009," said Phil Soper, president and chief executive

officer, Royal LePage Real Estate Services.

During the second quarter, average house prices across most Canadian markets began to appreciate,

recovering from the lows experienced during the winter months. Average national prices remain

slightly behind those posted during the same period in 2008. Of the housing types surveyed, the

price of detached bungalows declined to $327,964 (-3.5 per cent), two storey property prices

decreased to $392,378 (-3.7 per cent), and standard condominiums price points fell slightly to

$237,112 (-3.8 per cent), year-over-year.

Soper observed, "With our industry's busiest quarter behind us, we feel comfortable revising our

2009 forecast to the positive. When the anticipated market decline struck last winter, it was with

greater speed and intensity than predicted, but the strength of the rebound was equally surprising. If

general economic conditions continue to improve, as we expect they will, 2009 will be

characterized as a period of moderate housing market correction after several years of aboveaverage

price growth."

The 2009 national average house price is forecast to decline marginally by 2.0 percent, to $297,500

by end of year and unit sales are projected to fall slightly by 1.0 percent to 430,000.

"Improved affordability, driven by flat or lower home prices and inexpensive mortgage financing,

has been the principle catalyst in this recovery. Pent up demand is also a factor in the lift we see in

the second quarter numbers. For six months straddling the year's beginning, buyers stayed away

from the market in an understandable, emotional reaction to very unsettled global economic

conditions. Canadians appear to be stepping beyond these fears and are once again moving onto

and up the home ownership ladder," stated Soper.

In early 2009, the precipitous drop in unit sales remains the most dramatic indicator of the

recession's impact on Canada's real estate market. With spring, consumers appeared ready to

believe the worst was behind them and returned to the market in force, driving increased activity

across each housing type. Couple this with historically low interest rates and leveling

unemployment, Canada's residential real estate market got back on track during the quarter.

Undergoing an inevitable cyclical correction, price adjustments can be seen with marked variances

across Canada's provinces. As expected, British Columbia and Alberta posted the most significant

price modifications, as home values in those markets retreated in the wake of several mid-decade

years of unsustainable price inflation, and have now evolved to a more balanced state. Prices

appear to have stabilized and it is expected that these regions will continue to see improvements

into 2010. In particular, the impact of lower home prices has improved affordability to the point

that people are buying homes again on the West Coast, where sales activity has increased

substantially.

Alternatively in Atlantic Canada, homes continue to appreciate due to strong local economies,

which have helped to shelter the region somewhat from the turbulence witnessed in other provinces.

As well, the region's generally moderate home prices have helped keep demand strong.

Newfoundland, in particular, stands out as a region that continues to see significant home price

appreciation, as supply cannot keep up with the demand driven by vibrant and growing industries

such as those in the province's oil and gas sector.

Meanwhile, home prices in Toronto declined slightly in the second quarter, reflecting the national

average trend. In the early spring, it was first-time buyers who triggered the increased activity

levels, now those looking to move up are also active in the market. Similar to the situation in other

large cities in central Canada, the most desirable neighbourhoods experienced supply shortages,

which put upward pressure on prices.

"Looking ahead to the second half of 2009, year-over-year price comparisons will likely appear

increasingly more favourable. It is important to remember that the baseline for the latter half of

2008 was unusually low, particularly in the fourth quarter when the full impact of the global

financial crisis was felt. Our expectation is that most Canadian regions will experience stable

housing prices through into the spring of 2010," concluded Soper.

REGIONAL MARKET SUMMARIES

Halifax

In Halifax, a stable economy has contributed to a healthy real estate market where average house

prices increased modestly despite a slight dip in sales activity. The market is beginning to pick up

following a slow first quarter. Pent up demand will see a return to a more active market in the last

half of the 2009 with the anticipation of a slight boost in sales activity and average house prices

growing at a leisurely pace.

Montreal

The housing market in Montreal experienced a solid second quarter, with average house prices for

most property types expected to increase for the remainder of 2009. Higher inventory levels

resulted in balanced market conditions seeing the number of new listings equal to the number of

sales. Low interest and unemployment rates will help maintain the strength of the real estate market

through to the end of the year.

Ottawa

Ottawa continues to remain a steady market for residential real estate, with sales activity in the

second quarter coming out strong from a slow first quarter. Ranked number two among Canada's

large cities for affordable real estate and coupled with low interest rates, all types of buyers were

drawn to the market. House prices are expected to remain stable throughout the remainder of year

with numbers slightly higher than anticipated.

Toronto

In Toronto, the real estate market witnessed significant second quarter gains. The return of

consumer confidence and an upswing in spring market activity brought house prices and unit sales

down as buyers emerged to take advantage of affordable properties and low lending rates.

As the market begins its transition from a buyer's market to a balanced market, with indications of a

seller's market arising, it's anticipated that the market will stabilize by the end of year.

Winnipeg

Winnipeg's real estate market has remained relatively resilient in the second quarter with average

house prices in key housing segments increasing from the first quarter of 2009. Real estate in

Winnipeg is modestly priced when compared to other cities in Canada, creating ideal conditions for

buyers in the province. Looking ahead, average house prices are anticipated to stabilize for the

remainder of the year.

Regina

Regina's real estate market started on the road to recovery in the second quarter of 2009 and is

expected to further improve through the remainder of the year. An increase in unit sales helped

diminish the city's high inventory levels as buyers are beginning to initiate deals. Recovering

manufacturing and resource sectors, new construction activity in Regina, and low interest rates have

also helped to improve buyer confidence.

Calgary

With the economic downturn and the oil and gas industry struggling, the housing market in Calgary

has been on the decline since 2008, after many years of price inflation at the beginning of the

decade. Quarter one of 2009 revealed some signs of price increases and stabilization in certain

areas in Calgary, but the second quarter reveals fluctuations in the market. These price fluctuations

are occurring across Calgary in all housing types with the market forecast predicting price

reductions for the remainder of 2009.

Edmonton

Housing market conditions in Edmonton were characterized by lower inventory levels and moderate

house price increases. Buyer demand was strong during the second quarter as most buyers felt a

sense of urgency to capitalize on the recent market conditions. This has led to a slight tightening in

Edmonton's housing market with appreciation in average house prices expected for the last half of

2009.

Vancouver

Vancouver's real estate market stabilized in the second quarter of 2009 following a price correction

that started last fall moving towards a balance between supply and demand. Properties priced at, or

below, market value are generating multiple offers from buyers. Average house prices throughout

the last half of the year are expected to inch upwards, but increases will likely be in the low single

digits.

Royal LePage's quarterly House Price Survey shows the following annual change of prices for key

housing segments in select national markets:

The Royal LePage Survey of Canadian House Prices is the largest, most comprehensive study of its

kind in Canada, with information on seven types of housing in over 250 neighbourhoods from coast

to coast. This release references an abbreviated version of the survey, which highlights house price

trends for the three most common types of housing in Canada in 80 communities across the country.

A complete database of past and present surveys is available on the Royal LePage Web site at

www.royallepage.ca. Current figures will be updated following the complete tabulation of the data

for the second quarter. A printable version of the second quarter 2009 survey will be available

online on August 7, 2009.

Housing values in the Royal LePage Survey are Royal LePage opinions of fair market value in each

location, based on local data and market knowledge provided by Royal LePage residential real

estate experts. Historical data is available for some areas back to the early 1970s.

About Royal LePage

Royal LePage is Canada's leading provider of franchise services to residential real estate

brokerages, with a network of over 13,000 brokers and sales representatives in 600 locations across

Canada. Royal LePage is managed by Brookfield Real Estate Services, and is part of a brand

family that includes Royal LePage, Johnston and Daniel, and La Capitale Real Estate Network. An

affiliated company, Brookfield Real Estate Services Fund, is a TSX listed income trust, trading

under the symbol "BRE.UN."

For more information visit www.royallepage.ca.

If you need more information: email me at info@gtawesthomes.com

www.gtawesthomes.com

APRIL 21, 2009 -Today, the BANK OF CANADA announced that it is lowering the overnight rate by another ¼ of a percentage point. The operating band for the overnight rate is correspondingly lowered, and the Bank Rate is now ½ per cent.

Conditional on the outlook for inflation, the target overnight rate can be expected to remain at its current level until the end of the second quarter of 2010 in order to achieve the inflation target.

With the last announcement on March 9th, the financial institutions did drop their Bank Prime Lending rate by the same percentage as the overnight rate to 2.5%. We will have to see if the banks will do it again this time and drop the Bank Prime Lending rate by the ¼ percentage point to 2.25%.

Fixed rates have also decreased since the last Bank of Canada announcement. The lowest five year fixed rate currently available is a quick close special of 3.69% and the best variable rate is Prime + 0.75%.

The next Bank of Canada Rate Announcement will be on June 4th, 2009. We will keep you posted!

THINKING

ABOUT BUYING YOUR NEXT HOME IF THE TIME IS RIGHT...BECAUSE INTEREST RATES ARE THE BEST RIGHT NOW FOR MAKING THAT MOVE!!

HAVE ANY CLIENTS WHO ARE LOOKING TO INVEST IN CANADA...PLEASE REFER ME AND I WILL LOOK AFTER THEM.

MAYA GARG,

BROKER

www.gtawesthomes.com

info@gtawesthomes.com

VIRGINIA GALT Globe and Mail Update Wed, 4 Mar 2009 09:39 EST Confidence appears to be seeping back into the housing market, with a majority of Canadians saying it's a good time to buy, according to the Royal Bank of Canada's annual homeownership survey. Although this optimism is not reflected in the most recent sales statistics - the volume of sales in the Toronto area, for instance, was down 47 per cent year-over-year in January - the Royal Bank predicts that lower prices will lure a growing percentage of Canadians back into the housing market in the next two years. A survey of 2,026 Canadian consumers, conducted in the second week of January, found that 65 per cent of respondents believe it is a buyers' market now and 27 per cent say they intend to buy a home this year or next. "Additionally, almost half indicate it makes sense to buy a home now versus waiting until next year." Young adults and renters are most likely to spark an upsurge in home sales, the Royal Bank said in releasing its survey results. "In the under-35 group, 48 per cent said they plan to buy, which is up sharply from 36 per cent last year. Renters also appear to be saying they are tired of paying someone else's mortgage payment, with 38 per cent planning to become homeowners in the next two years." Karen Leggett, the Royal Bank's head of home equity financing, said low mortgage rates "and favourable housing prices are influencing home purchase intentions this year and may be the reason why more Canadians are poised to purchase over the next two years." Ms. Leggett said the poll, conducted for the Royal Bank by Ipsos Reid, found that the vast majority of Canadians believe that the purchase of a home is a good investment. "The current economic environment does not appear to have dampened Canadians' overall confidence in the housing market," she said. Other forecasts are less upbeat. Canada Mortgage and Housing Corp. projects that, in spite of falling prices, the volume of existing home sales is expected to drop by 14.6 per cent in 2009, and then rise by 9.3 per cent in 2010. Average home prices are forecast to fall 5.2 per cent to $287,900 in 2009. Next year, prices are expected to remain flat, according to the federal housing agency's forecast.