Monthly Archives: July 2015

Tips That University Students Should Know About

If you are new to the whole university thing then here are some guidelines for you:

1. Meet your academic advisor – Most academic programs have an ‘academic advisor’ associated with them (e.g., see here for McGill’s website about advising). These individuals are there to help students get through their program, and advisors typically help students with course selection, and help plan a student’s academic program. When arriving on campus, you should book a meeting with your advisor, and more importantly, listen to their advice!  Advisors know the ins and outs of your program, and paying attention to them will help you in the long run.  You don’t want to end up messing up your academic program because you decided to avoid taking required courses early on in your program! Source: Arthropod Ecology

2. Develop good study habits!

  • Use a day planner to keep track of upcoming dates for assignments and tests
  • Develop a routine for organizing your workload. Use time between classes to catch up on reading and studying
  • Review your course notes on a regular basis
  • Keep up to date on all your required reading
  • Form a study group to review lecture notes and prepare for your exams. Mixing social interaction with studying will make it more fun
  • Get started with assignments right away. Don’t leave things to the last minute
  • Review for tests over a longer period of time. Take breaks while studying and avoid “all nighters.” Your memory works best if you recall information frequently over time
  • Seek help if you are having trouble with your courses. There are lots of resources available on campus that can help you if you are feeling overwhelmed with your studies

Source: Lakehead University

3. Drag yourself to class – Yes, some profs post all of their notes online (although most of my profs only included outlines, you actually had to go to class to get the full notes) and yes, you can get notes from your friends/classmates. But reading the notes is not the same as actually going to class. Many profs will give subtle hints about what they will test in exams during class. For example, if a prof repeats something several times, you can bet it is important, and will likely show up on the exam. Similarly, you can often pick up on a prof’s body language, as to what they consider important. Those types of things you can’t get from notes. Other profs will do more examples of problems in class than will appear in the posted notes. Source: Yconic.

Contact:
Canadian University Real Estate
3215 Macdonald St Vancouver, BC V6L 2N2‎
(778) 991-0649

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Reasons on Why You Should Consider Going to a Canadian University

Do you plan on going to a Canadian University? Then here are some more reasons on why you will be making the right choice.

1. No budget cutbacks – Public Canadian universities aren’t experiencing the budget cutbacks as they are in the United States. With a stable economy, these schools are not increasing tuition in double digits. Source: CBS News

2. A hidden jewel – Most Canadian universities are large public institutions, but there is a notable exception — Quest University, an amazing liberal arts college located in a stunning setting in British Columbia. This is going to sound strange to Americans, but Quest is the only private, secular nonprofit college in Canada. About 25% of Quest students are from the U.S. Here is an article from The New York Times about the school. Source: The College Solution

3. Affordable education – The quality of education and living standards in Canada are amongst the highest in the world, but the cost of living and tuition fees for international students are generally lower than in other countries such as the United States and the United Kingdom. As such, Canada is often the preferred choice for students attending college or university. Source: Education au/in Canada

4. A multicultural country – Over the past century and a half, Canada has welcomed 15 million immigrants. Canada is also home to over one million aboriginal people, including First Nations, Métis, and Inuit communities. Canada has a national policy for multiculturalism and works to ensure that people’s customs and traditions are preserved and respected. Source: CBIE

5. You will find a new home, no matter where you are from – Canada became the first country to officially declare multiculturalism as a policy through the establishment of the 1971 Multiculturalism Policy of Canada, which affirms the rights of all citizens regardless of race, ethnic origin, language or religion. This ideology results in a harmonious environment rich in cross-country respect, as well as constantly rising rates of naturalization.

Canada’s diversity is an extraordinary asset in today’s global marketplace, not only because of unparalleled cultural understanding, but also because of the multilingual nature of its citizens. It’s no surprise then that Canada has a reputation as a premiere language training destination. More than one billion Canadians speak English while 250 million speak French. International students improve personal and business fluency through access to unparalleled “English as a Second Language” and “French as a Second Language” programs. Source: Master Studies

Contact:
Canadian University Real Estate
3215 Macdonald St Vancouver, BC V6L 2N2‎
(778) 991-0649

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Mortgage Mistakes That You Should Avoid

If you are about to venture into the mortgage process then make sure to avoid these common mistakes that most homebuyers make:

1. Ignoring the true cost of home ownership – Owning your own home comes with new expenses that surprise many first-time buyers.

Each year, budget 1% to 2% of your home’s purchase price for routine maintenance. If your home costs $250,000, expect to spend $2,500 to $5,000 annually on unglamorous purchases like a new water heater or having your furnace serviced.

Some years you’ll spend less. When that happens, set the money aside for pricier items like a new roof.

The older your home and the larger it is, the more you’ll spend.

Property taxes also add to the cost of home ownership each year. Learn about the property tax system in your community to see what current rates are, when taxes can increase and by how much.

If your home is in a special flood hazard area, your lender will require flood insurance. Prices vary by location. Source: Interest

2. Sugar coating reality and a bad credit rating – Be honest with your credit rating, credit card debts and personal debts. If you attempt to fudge the truth, this sort of stunt can stay with you forever. In Australia, there are two major credit reporting agencies that record debts, and lenders consult these agencies before they complete your loan application.

A tarnished reputation can prevent you from owning your ultimate dream pad not once, not twice, but probably a few times over.

However, in saying this, you can still obtain a loan with a bad credit rating – talk to your broker for advice. Source: Your Mortgage

3. Applying for a new credit card – Opening new credit cards or making excessive charges on existing credit lines before and during the loan application process. This can hurt your credit score and increase your debt load, which could lead to disqualification. See debt-to-income ratio for more on that. You can buy your new leather couch and big-screen TV once the loan is funded and closed. Source: The Truth About Mortgage

Contact:
Canadian University Real Estate
3215 Macdonald St Vancouver, BC V6L 2N2‎
(778) 991-0649

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Benefits of Hiring a Real Estate Agent

Are you still skeptical in hiring a real estate agent? Then you should be aware of the benefits that you can derive from them.

1. Ethical consideration – Though not all real estate agents are members of the National Association of Realtors (NAR), those who do join the group agree to abide by a code of ethics. That code essentially stipulates that Realtors deal with all parties of a transaction honestly.

Under the code, the Realtor is obligated to put the clients’ interests ahead of his own. He or she is also required to make full disclosure about the problems with a property and be truthful in advertising.

The code of ethics has some teeth; local boards governed by the NAR enforce the provisions. Penalties can include a $5,000 fine, a one-year suspension from the association or a three-year expulsion. How frequently this happens is unclear. Because local boards handle enforcement actions, no national statistics on penalties against Realtors are available. Source: How Stuff Works

2. Value estimation of the property – Agents are good at estimating the value of your home that you are selling and at the same time they are able to tell you whether the new house is worth your money to purchase. Typically, they will consider aspects such as the current market condition, location, demand, supply and the type of the house to determine the appropriateness of the asking price. The best advantage of using a real estate agent is that he/she can help you save thousands of dollars by negotiating with the seller using information they have such as the average sale prices, comparison with other homes in the area and how long the house has been on the market. Source: Ash Project

3. Search new house faster – Due to the reason that these Pickerington realtors can quickly access listings, they can assist their clients to easily sort out all the potential property that they are interested to buy. By the time when the client has provided the things that they want in a house, the agent will be using it to narrow down properties that have such. Then compiling all of these properties and presenting it to their client. Thus, the client doesn’t just given with several choices but also, they save loads of time if they are about to do the actual process on their own. Source: The Real Estate Experts Blog

Click here to find out how to calculate Real Estate Commission.

Contact:
Canadian University Real Estate
3215 Macdonald St Vancouver, BC V6L 2N2‎
(778) 991-0649

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