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We are a financial institution offering consulting and guidance on investment decisions for individuals based in Canada

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Even a very experienced and well informed investor will never make his or her own investment decision alone.

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You give us a call at 780-593-2420 or send an email to info@m38a1.ca or contact us via the form.

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4 tips on negotiating your mortgage rates

You have paid off your debts and have saved money for your dream home. Now it’s time to get into the process. But you need to get a good mortgage rate so that you can easily pay your mortgage payments every month comfortably no matter what your financial situation may be in future. A loan officer who is a broker or a representative of a bank sells a loan to you. In the past, the loan officers used to earn depending on how much income they generated for the bank. So, more income for the bank meant more commission for the loan officer. The loan officer can increase his or her commission by increasing the customer’s mortgage rate or increasing the closing costs of the customer. So, before you get your mortgage, you should shop around and try to negotiate your mortgage rates. An expert Kelowna mortgage negotiator can help you get the best mortgage rate. Here are some things to consider:

  1. The old systems
    In the old system, the loan officers were like salespersons. They used to get an incentive to offer clients the highest rates. This increased the bank revenue and the loan officer’s commission as well. Also, the customers were not treated equally. Some customers got very high mortgage rates; whereas, the others got very low rates. Doing such thing is a violation of the mortgage lending law. The U.S. banks had to pay to find for this unequal treatment.
  2. The new system
    This condition changed. Now the load officers receive the same amount of commission from every customer no matter what their mortgage rates are. So, the loan officers no longer offer a higher mortgage rate.
    Here are four tips on negotiating your mortgage rates.
  3. Shop around
    Even after the new system is in place, borrowers should still shop around. You may get different rates from different banks. So, there is some room for negotiation, especially if you use an experienced Kelowna mortgage broker.
  4. Be prepared
    The bank where you have your account will be happy to do a mortgage pre-approval document for you be you need to be careful. You need your credit score, tax documents from the past two years, statement of your income, debts, etc. You will require money for the down payment, the closing costs, insurance, legal fees, land transfer fees, etc.
  5. Have a product in mind
    You should learn about the basic concepts of the mortgage. You should know the difference between a fixed-rate mortgage and variable-rate mortgage. You should also learn the difference between an open and closed mortgage. You shouldn’t take a five-year fixed mortgage automatically.
  6. Think about what will work for you
    If you have a family or just got a promotion, then you may decide to move to another place for a better living condition. You could be upgrading as well. For unexpected occurrences in life, like illness or divorce happens then you may skip a couple of your mortgage payments or leaving the mortgage early. In such case, you may have to pay a break fee. You can negotiate to bring this penalty down.

You can use these tips to find a good mortgage rate for your home. Having a good mortgage rate will make you feel stressless. So, be careful when selecting a mortgage plan for your home.

Live the Kelowna Life!

Kelowna Life Real Estate Group situated in Kelowna, British Columbia is taking properties on the market to the upper level. They consolidate a profound level of involvement with custom arrangements for every customer searching for another home. They additionally offer an assortment of areas to suit the necessities of any potential purchaser and dealer. With land in Kirschner Mountain, Kettle Valley, Lower Mission, Upper Mission, South East Kelowna, and Wilden, Kelowna Life Real Estate Group can locate the ideal home to suit anybody’s inclinations. The land aggregate offers a profound level of administrations. They aren’t only a purchase and offer operation, they likewise give proficient picture takers, visual craftsmen, online networking and advertising experts, and committed operators. Assortment is basic topic with Kelowna Life and they can tailor their marketable strategy to fit any need.

Kelowna Life highlights homes in the energetic group of Kettle Valley, which highlights family cordial neighborhoods and a variety of exercises and locales. Excellent perspectives, climbing and nature trails, and nearness to astounding eateries and administrations are only a portion of the advantages Kettle Valley offers.

For those hoping to make tracks in an opposite direction from the hurrying around, Kirschner Mountain offers the homes to fit your way of life. Numerous homes here component substantial heaps of land and a lot of space for families that need it. It’s near Big White Ski Resort additionally only a short drive to the closest shops and administrations.

Found close Mission Greenway, Lower Mission homes offers a wide assortment and alternatives for different individuals. There are multi-family homes and also more established, more open habitations. Individuals that appreciate popular shops and boutiques will discover precisely what they are searching for, and it’s likewise only a short separation to the shorelines and pontoon dispatches. Offering exercises for each part in the family makes Lower Mission a mainstream goal.

Settled on the southern slopes of Kelowna, purchasers looking for the flexibility of the outside will discover it in Upper Mission. Astounding perspectives and unlimited open doors for the outside lover make Upper Mission an exceptionally alluring landing spot. The people group is family arranged and blends in more current and more seasoned homes furthermore gloats a lot of plantations and honor winning wineries.

To encounter a genuine taste of the Okanagan Valley, purchasers require look no more remote than South East Kelowna. It’s the ideal arrival spot for the customer searching for a provincial, roomy lifestyle. Lavish foliage and stunning perspectives highlight this one of a kind territory. In spite of the fact that you are in a more rustic region, it’s still only a short drive to visit the stores and administrations everybody needs. It’s an impeccable adjust of peace and calm without being detached.

Wilden is the goal for nature devotees. Rich woodlands and calm environment highlight this family arranged group where parks and nature trails are bounteous. In the event that you are an eco-accommodating purchaser, Wilden is the ideal arrival spot for you.

In the event that you are purchasing a home, or notwithstanding considering purchasing a home, exploit the immeasurable assortment of administrations and experience that the real estate experts at Kelowna Life Real Estate Group bring to the table. They are genuinely here to help you with the home purchasing process.

Slitting Machines Are Essential For Your Paper Conversion Productivity

reducing the size of paper rollsWhat is a paper slitting machine? It’s not very usual, so I am not expecting you all know it. It is important, though. Have you seen big rolls of paper? I’m pretty sure you are also familiar with the receipts from the ATM whenever you withdraw money. Another example is when you order from a local diner and pay, the receipt that comes out from the cash register.

Let us start with that. It is all made possible with the help of a slitting machine. It is the tool that is used to create smaller rolls or papers, films or foils. Have you ever thought of pulling a piece of paper from a big ton of it? Don’t even try to imagine. It is very important so we can have those papers that we don’t even pay attention. What do you think will happen without it?

A busy day ahead and you are in line waiting for hand written receipts. I sincerely believe that it will be a chaotic day for everyone.

Without slitting machines, it would be a tough task to complete any paper conversion. It is a must have for paper factories. It can lessen your expenses over time as you see the benefits of a slitting machine.

The design of this machine is excellent but the newest technology machines built by RollRazor for instance are far superior.  It’s basically a night and day difference between the older slitter rewinder designs and the precision single blade cut system that RollRazor uses.

How do you think you will get those thinner rolls out of the bigger rolls of paper? Easier production, more products and that is equivalent to more profit. It would not be time-consuming as well. Companies can keep up with the demand of consumers without a sweat. The machinery used can make or break a business. It is always wise to invest and be on top of the competition. It is important though that you find a good machine.

There is another problem with that, though. You can own a machine, yet no one knows how to operate it. Certain sellers provide due training on how to operate the slitting machine. There are also many types of it, so you better be sure which one works for you. The reliability of the device you will invest in is also a key factor. It is important but never settle for shabby untrusted sellers so you can get your moneys worth.

Paper factories may not want it because it is not cheap at all. It’s just that a good investment pays off in the long run. The slitting machine is a very useful tool and helps a great deal when it comes to production. Don’t be pressed with the demands that you can’t meet. Stay on top of your output. Earn your profit the easiest way possible. Try one now and see for yourself.

The benefits of it will make you think again on why you did not purchase this before. Don’t wait that you would have to say, what took me this long to get it for my factory? Ponder your thoughts about it but don’t wait too long and then contact RollRazor.com for more information – there’s no need to consider the older tech when this type of machine is now available.

Four tips on finding the best home loan rates

It requires a ton of push to get an awesome rate on a home loan. The home loan industry investigates different components to figure out if you are qualified to get a home loan and what your rate will be. Contract rates differ starting with one individual then onto the next relying upon these components. On the off chance that you are searching for the best Kelowna mortgage brokers, then call Rampone-Marsh Mortgages and we can walk you through the below tips.

1. FICO ratings

Wondering what your FICO score is? A FICO rating is one of the essential determinants of home loan rate. The higher your FICO assessment is, the lower your home loan rate will be. On the off chance that your FICO rating is least 760, you will get the best home loan rate; else, you will get a higher financing cost. You require a FICO rating of 620 to fit the bill for a home loan. The rate you will get is 5.022%. On the off chance that you have a FICO rating of 760 or higher, your rate will be 3.433%. In the event that you don’t have the base financial assessment, then you have to attempt to enhance it. One approach to do this is to pay off your advances.

2. Wage security

You ought to have an enduring wage in the previous two years to get a decent home loan rate. On the off chance that you have a record of unemployment or declining profit, then it will contrarily affect your home loan financing costs. On the off chance that you are in the same employment throughout the previous two years least or get an advancement or higher pay, then your odds of having a superior loan fee increments. In the event that you are independently employed, then you have to archive all your salary alongside government forms throughout the previous two years.

3. Obligation to-salary proportion

This proportion comes in two structures: the back-end proportion and the front-end proportion. The back-end proportion figures the aggregate of your month to month least obligation installments alongside your new lodging installment and partitioning it by your gross month to month salary. The front-end proportion manages your lodging costs as it were. Banks as a rule need a front-end proportion of 28% or less and a back-end proportion of 36% or less. In this way, you ought to keep up these rates.

4. Initial installment

General guideline is that you require a base up front installment of 20% of the home price tag on the off chance that you need to get a decent home loan rate. On the off chance that you have an up front installment under 20%, then you should have a private home loan protection. At the point when the up front installment assuming more, it turns out to be less unsafe, thus the banks will offer the best home loan rate.

You ought to analyze the home loan rates offered by different establishments but we guarantee that we have access to the best rates. There are numerous online sources which can help you. Bankrate.com is a spot where you can look at home loan rates from various moneylenders. Zillow.com is another site that gives data on home loan banks. You can contact us to get the best home loan rates for your home. Give us a call or visit our website to think about the most recent home loan rates for home.


3 fastest growing companies on NASDAQ

In order to grow fast, a company must have accelerating and extended sales and earnigs growth; they must have a good business model that can solve problems. The management of the company must be good. Here are the 3 fastest growing companies on NASDAQ.

FireEye Inc. (FEYE)


It has a $3.4 billion market cap.It is a cyber security leader today. It provides virtual-machine based security platform. More than 95% of FEYE’s customer evaluations have identified malicious activities that came from outside. They can even stop outbound theft of valuable intellectual property. Initially, the company’s stock price struggled due to high valuations and the lack of financial discipline. As they have a new CFO now, the financial discipline has returned to the company. Last year, for the first 9 months, the operating cash flow was +$28 million. There revenue growth was 55% for the first 9 months of last year. The gross margin of FEYE is expected to be 72%-74%.

Martin Marietta Materials (MLM)


This has a $9.2 billion market cap. It is one of America’s premier suppliers of aggregates, that is, sand, crushed stone and gravel. MLM has significant pricing power due to the localized nature of the aggregates industry and the high cost and political obstacle of building new quarries. During the third quarter of 2015, MLM’s gross margin increased by 480 basis points to 77% year-over-year. The prices of aggregates are expected to rise by 4% annually.

GoDaddy Inc. (GDDY)


It has a $5.2 billion market cap. It is the premier holder of the digital real estate. It is also the leading hosting provider for small businesses and individuals. It has 13.6 million customers and an inventory of more than 61 million domain names. For the year 2015, the company had revenue growth of 16%. It is expected that in the long run, the company revenue will continue to grow at 15%.

These companies are expected to grow more in the future. The other companies who are falling behind must look into the management style and other aspects of these companies and learn from them in order to move forward.


4 things to keep in mind before investing in the market

The market is volatile; you should be careful when making an investment decision. Here are some of the important things you should consider before making an investment decision.

1. Draw a personal financial roadmap

Sit down and take a good look at your financial condition. Identify your goal and risk tolerance. It is better to do this with the help of a consultant. There is no guarantee that your investment will become a profitable venture. But if you plan intelligently, then you can gain financial security over the years.

2. Evaluate your comfort zone in taking on risk

There is some risk in every investment. If you are thinking of investing in stocks or bonds, make sure you understand all the terms and conditions before investing on them. If you take greater risk, you will get more potential return. If you have a financial goal with a long time horizon, then there is more chance of making money by investing in asset categories with greater risk. For short-term financial goals, cash investments are better.

3. Consider an appropriate mix of investments.

The investment returns move up and down under various market conditions. By investing in multiple asset categories, an investor can minimize the risk of losses. So, you will get a smooth return on investment. If you incur loss in one type of investment, you will make profit in another; so your loss will be neutralized.

4. Avoid situations that can lead to loss

Scan artists often use a much publicized news item to attract investors. They do everything to make their opportunity sound more legitimate. You must do necessary research and checks before investing in anything.

Investment is a huge decision; it involves risk. You should not take such decision alone. You should talk to your family members and friends before investing. You should also take help from a professional in this area before investing in any venture.


5 reasons why it is a good time to invest in real estate

There are lots of opportunities for investing in real estate this year. Here are the reasons why it is a good time to invest in real estates.

1. Interest rates of mortgage are low

The mortgage interest rates are low now, so it’s a good time to take loan for buying a house. The monthly repayments will be easy to make.

2. High volume of foreclosures

Due to the downturn of the real estate market few years back, the former homeowners have been displaced due to foreclosure. So, there are many renters in the market. Investors can now buy rented properties, and so don’t have to pay any mortgage payment.

3. Real estate prices are at a low

Real estate is cheap now in many areas. For most people, housing is the biggest expense; so, you may consider relocating to a place where you can get a good property at a reasonable price.

4. The short sale market

The short sale market has created great opportunities. It lets you get a non-foreclosure home at a good price. Short sale is a better option than foreclosure; as with foreclosure you don’t know the background of the previous owner.

5. Real estate is a very good long-term investment

Real estate is a good long-term investment. It is valued much higher than it was years back. It is a very profitable investment.

If you decide to invest on real estate, talk to an investor consultant. He or she will help you to look through possibilities and help you take the right decision.