Terri Stephens | 403-827-4663

 

GOOD CREDIT:


Credit is an everyday part of our lives.  From our phone bills, to credit cards, to our rent or mortgage payment, credit gives us the buying power to purchase goods or services over time.  And it’s a privilege you shouldn’t take for granted. 

Managing your debts effectively and begin to develop and maintain strong credit rating is essential.


With a good credit rating, you can ensure a strong financial future.  Take care to minimize problems that could affect your ability to borrow money. And remember – tomorrow’s credit starts today.


When establishing credit, consider the following:


-consider applying for gas, department store, or major credit card to start your credit history


-make your payments on time and pay off your debts quickly


-borrow only for those items that you NEED and can AFFORD.


-LIMIT spending on non-essential items to 15-20% of what you earn after taxes.


-don’t use credit cards when your employment situation is unstable or uncertain


-don’t use credit to purchase basic essentials such as food, utilities, etc. Unless you can pay off the bill each month


-Limit your use of credit if you’re a habitual spender and have trouble living within your means


-Avoid reaching your CREDIT LIMIT the maximum you can borrow


-Don’t use credit cards if you have difficulty making payments, or you consistently make late payments


Tips that can make a difference to you

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10 easy ways to save money
Find out if you’re missing these easy ways to save

 

1. Brand loyal? We all have our brand favourites, but often generic or store brands are similar in quality, if not indistinguishable and can save you at least 25 per cent or more.


2. It doesn’t fit, or the colour is wrong, but who has time to go back to the store? You do. If you still have receipts, try to get a refund. At least get a store credit.


3. Late fees on credit card accounts, mortgages, car loans, and property taxes - even library books are extremely high. Record due dates in your planner and pay on time. If you do incur a late fee, call immediately. Most creditors will waive the fee if you have a good payment record.


4. Overdraft fees: A small slip-up can turn a $5 burger into a $40 overdraft fee. Even if your bank is happy to cover your mistakes you’ll be not only charged a fee, but at least 21 per cent interest until the overdraft fee is covered.


5. Extended warranties are mostly profit for the retailer. Generally, if an item is going to fail, it will do so early on and the manufacturer’s warranty will cover it.


6. Paying for storage: If you have so much stuff that you need to pay to store it, you’ve got too much stuff.


7. Use available discounts. Most banks and insurers offer multi-product discounts for bundling your business. Make a habit of checking for coupons before shopping online.


8. Buying from TV infomercials: TV products are overpriced and hardly ever turn out as depicted, and shipping and handling costs can be expensive.


9. Buying in bulk: It’s easy to get carried away when you shop at a warehouse club like Costco. Determine how much you really need and then consider the price.


10. If you’re eligible for employer-matching RRSP or other savings plans and you’re not signed up, you’re turning down free money. It’s like getting a 50- to 100-per-cent return without any risk.

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Even Canada is getting in on the "Black Friday" experience.


Local Shops in Airdrie are gearing up for a long day and night to get those savvy shoppers into their stores.


With bargains to be had and to boost their year end sales.  Its going to be shear madness out there.


Malls in Calgary are adding more staff and Sales Stickers.  


I think good footwear, some energy boosting drinks are in order to make it thru what poses to be a day of long line ups and frazzled shoppers. 


BE SAFE out there...and be sure you set your limits...or the bills will be fierce.  And when in doubt....you can always scream into a shopping bag.... to regain your composure.





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I have sold a property at 1427 ERIN DR SE in AIRDRIE.
TAKE A LOOK!! This FULLY FINISHED home is FENCED and LANDSCAPED, and has an OVERSIZED garage (insulated and dry walled)PLUS RV parking area for you to use. The KITCHEN is bright and open with a central island, and LARGE DINING area. FRONT room overlooks the mature yard from the LARGE Bay Window. INVITING front porch adds to the WOW appeal that Welcomes you. UPSTAIRS you will find a GENEROUS sized master bedroom with your VERY own 4 Piece ENSUITE. The TWO other bedrooms can fit double beds or BIGGER. PLUS there is ANOTHER 4 Piece Bathroom upstairs! LOWER LEVEL is FINISHED with a BIG family room, and Separate large LAUNDRY room- with storage. NEWER Roof on both House and Garage. WEST Backyard with deck & Patio areas with a garden shed for storage. The FENCED yard is GENEROUS in size! Located in a GREAT COMMUNITY and close to Paths, Parks and Schools. EDGEWATER Airdrie's central Community to all GOOD THINGS.
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You can show your clients you really care by giving them a closing gift that might save their lives. A Simple Guide to Home Fire Safety, a DVD created by 27-year Ottawa Fire Services veteran Capt. Daly McLaughlin, offers fire safety scenarios presented in an easy-to-understand format ideal for the whole family.

McLaughlin created the DVD based on his experiences as a fire fighter. He says he has seen terrible things over the years that could have been prevented by taking simple measures, he says.


The DVD is divided into segments and doesn’t take long to watch. But the time will be well spent.


The one to three-minute segements are:


1. Children’s fire safety. “It’s not there to scare children. Kids have to know about fire safety,” he says

2. Survival tips in event of home fire

3. How to prepare a home escape plan

4. General home fire prevention tips including for the kitchen, fireplace and furnace

5. How to buy, operate and maintain smoke detectors

6. Fire safety in condos

7. Christmas fire safety

8. How to use a fire extinguisher

9. When to use a fire extinguisher


The big tip for all: Smoke detectors are the most important line of defence. “A smoke detector gives you a heads up (so you can) get out,” Capt. McLaughlin says.


Most of the information on the DVD can be found scattered on the Internet, but McLaughlin wanted to offer home and condo owners a convenient and time-saving tool that would make fire safety hard to ignore.

“Fire Safety Week in October brings fire safety to the forefront for a week, then it’s forgotten,” McLaughlin says. He hopes his DVD will help keep the topic top of mind throughout the year and he hopes Realtors can help him spread the fire safety word.


He says a Realtor he knows gives gift baskets containing fire extinguishers, smoke alarms, escape ladders and his A Simple Guide to Home Fire Safety DVDs. In fact, he came up with the idea for the DVD after his real estate agent aunt inquired about fire safety DVDs for her clients.


The DVD was filmed at McLaughlin’s house, with his 17-year-old son, Cody, recruited as an actor. Some footage, all shot specifically for the video, was filmed professionally and some is home video footage.


McLaughlin, who has been teaching fire extinguisher and commercial high-rise fire safety training for years, did the voice-overs. He used professionals to produce the DVD, design its cover and create his website, www.thefireman.ca.

The DVD sells for $9.95. A volume discount is available to agents. Visit the website for more information, or email info@thefireman.ca for details.

 
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I have listed a new property at 46 SYLVAN PL SE in AIRDRIE.
This Bi-level is where you can make your DREAMS come true, walk the kids to school and have room in the garage for all your toys. 24 x 26 DOUBLE garage, trailer and RV storage in this larger than most backyards. This Home boasts over 1600 square feet of living space. The main floor features laminate flooring with plenty of natural light streaming throughout. Downstairs features a bedroom with big windows, bathroom, TWO family rooms and laundry area. Freshly PROFESSIONALLY painted, Newer ROOF,FURNACE and Central Air all done just a few short years ago. 2 Garden Sheds, Dog Run & House surrounded by mature trees. Appliances ALL included - making MOVE in DAY..a breeze PLUS a flexible POSSESSION.
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