Wednesday, November 28, 2012

"I'M YOUR REALTOR AND YOU KNOW IT"


Asif Khan has shared a video with you on YouTube

I'M YOUR REALTOR AND YOU KNOW IT
I'm Your Realtor And You Know It. Three Real Estate Rockstars (Asif Khan, Catherine Taryle and Kevin Stewart) sing and dance their way into your home and take it from Listed to SOLD! Whether you're in Colorado Springs, Detroit, or Toronto - They're your Realtors and you know it!! Check out this hilarious parody based on LMFAO's I'm Sexy and You Know It. Culture Shock Productions raises the roof with this classic!
Yeah
KS: When I'm in my car, see a spec of dirt I'll go wash it off
CT: Got my CDPE, but luxury homes is still my niche (what)
CT: This is how I roll, come on sellers let's get it sold
AK: I'm an ABR, buyers don't be nervous, Your price, your terms, I make Realtors nervous (watch)

(One each) Ah... Just look at that sold sign [x3]
Ah... I sell house!
(One each) Ah... Just look at that sold sign [x3]
Ah....I sell house!

KS: When I walk in my spot (yeah), this is what I see (ok) Everybody stops and
they questioning me I got passion for the biz and I ain't afraid to show it,
show it, show it, show it

AK & CT: I'm Your Realtor And You Know It [x2]

I'm Your Realtor And You Know It...

Check it out [x2] Haggle, Haggle, Haggle, Haggle, Haggle yeah [x3]

Haggle, Haggle, Haggle, Haggle, Haggle yeah, yeah Do the Haggle man
I do the Haggle man

Yeah

I'm Your Realtor And You Know It

(One each) Ah... Just look at that sold sign [x3]
Ah... I sell house!
(One each). Ah... Just look at that sold sign [x3]
Ah....I sell house!

I'm Your Realtor And You Know It!

©2012 YouTube, LLC 901 Cherry Ave, San Bruno, CA 94066

Posted via email from Markham Real Estate Today with Asif Khan

"I'M YOUR REALTOR AND YOU KNOW IT"


Asif Khan has shared a video with you on YouTube

I'M YOUR REALTOR AND YOU KNOW IT
I'm Your Realtor And You Know It. Three Real Estate Rockstars (Asif Khan, Catherine Taryle and Kevin Stewart) sing and dance their way into your home and take it from Listed to SOLD! Whether you're in Colorado Springs, Detroit, or Toronto - They're your Realtors and you know it!! Check out this hilarious parody based on LMFAO's I'm Sexy and You Know It. Culture Shock Productions raises the roof with this classic!
Yeah
KS: When I'm in my car, see a spec of dirt I'll go wash it off
CT: Got my CDPE, but luxury homes is still my niche (what)
CT: This is how I roll, come on sellers let's get it sold
AK: I'm an ABR, buyers don't be nervous, Your price, your terms, I make Realtors nervous (watch)

(One each) Ah... Just look at that sold sign [x3]
Ah... I sell house!
(One each) Ah... Just look at that sold sign [x3]
Ah....I sell house!

KS: When I walk in my spot (yeah), this is what I see (ok) Everybody stops and
they questioning me I got passion for the biz and I ain't afraid to show it,
show it, show it, show it

AK & CT: I'm Your Realtor And You Know It [x2]

I'm Your Realtor And You Know It...

Check it out [x2] Haggle, Haggle, Haggle, Haggle, Haggle yeah [x3]

Haggle, Haggle, Haggle, Haggle, Haggle yeah, yeah Do the Haggle man
I do the Haggle man

Yeah

I'm Your Realtor And You Know It

(One each) Ah... Just look at that sold sign [x3]
Ah... I sell house!
(One each). Ah... Just look at that sold sign [x3]
Ah....I sell house!

I'm Your Realtor And You Know It!

©2012 YouTube, LLC 901 Cherry Ave, San Bruno, CA 94066

Posted via email from Markham Real Estate Today with Asif Khan

Tuesday, November 27, 2012

Space-saving tips for homeowners

Whether you own a country home or a one-bedroom flat, there's somehow never enough space to go around.

We won't like to admit it, but everyone's sentimental in some little way. Certain objects represent memories of times past; old magazines, for example, might offer a snapshot of teenage interests in the 1990s or notable happenings that have since vanished from memory. Such unused clutter then builds up over time and creates a significant dent in your cupboard, shelf or even floor space.  

The best way to retain some of your valuable household yardage would be to throw away these items, but that's a decision you cannot erase. It'll only be a matter of time before your children wish to play with an old board game or their pogo stick. Then what?

The other option would be to invest in sizeable containers to store some of your household possessions. However, your space-saving solutions needn't compromise the stylistic aspects of your house. It's about being smart with your clearing by subtly blending everything into the scenery. Here are a few ways of winning back your rooms.  

Consider style

Plastic containers are great for storing away numerous medium-sized objects, but they're best left under the stairs or in the loft. The reason being that paintings, souvenirs and any artefacts that add stylistic qualities to your room are likely to be counter-balanced by these large toy chests.

In this case, particularly when performing a clean sweep of your lounge or dining room, you might be best off with a few woven baskets or glass containers to clear the deck. These double as objects of art and can be stored at the side of a chair, or elsewhere out of the way.

Garden? No problem

Problems with space in the garden are easily solved, thankfully not through a bulky garden shed. The way around maximising space in your garden is to invest in a container for its size and not for its primary function.  

For instance, bike storage sheds are perfect for stashing away your garden goods given their dimensions and shielding properties. The metal casing protects any BBQs, tool boxes or sporting goods, along with any bicycles that only come out with the sunshine. Your box will be smaller than a traditional shed and that alone should free up a few extra yards. Companies like Trimetals are worth looking at for solutions link this.

Allocate

It's always wise to look out for vacant pockets of space when switching some of your possessions elsewhere. Every home will have a few oddly-shaped areas which are used to a lesser extent than, for example, your bedroom floor. Fill these gaps with small containers, making a note of the objects they hold for future reference.  

Buy Multi-Functional

To maximise space on your floor or work surfaces, it might seem a little contradictory to be adding furniture. However, your new antique trunk could also double up as a coffee table. If you're investing in a glass table, why not find one with a small shelf below the surface? This will transport the objects from the table area without completely removing them from the original room or space.

This is a cunning way of saving a pocket of room, but such slyness is welcomed in this particular area of home improvement. With the right system and investments, you too will be able to savespace in your rooms and establish a suitable home for every item.

http://www.homedecoratingnews.com/2012/11/space-saving-tips-for-homeowners.html

Posted via email from Markham Real Estate Today with Asif Khan

Monday, November 26, 2012

'06 Acura TL For Sale

This is one sexy beast! Great on gas, fabulous condition, and well maintained! 2006 TL, loaded, and clean! Midnight Black with tan leather interior. Great in winter weather! Asking $9,900. Call Asif at 905-888-6222 ext 3.

Asif Khan, ABR
Re/Max All-Stars Realty Inc.
Re/Max Hall of Fame
 
click here: http://bit.ly/Phzcqe

Posted via email from Markham Real Estate Today with Asif Khan

Thursday, November 22, 2012

For all our friends and family's south of the border: Tips For A Healthy Thanksgiving

Happythanksgiving

The holiday season is here! My favorite time of the year, and same for most people. It's a time that you get to usually have time off of work and spend cozy days with your family. Whether we like to admit it or not, we get a little lazy during this time, and we also love it because we get to eat all kinds of yummy foods that we don't usually eat throughout the rest of the year.

But unfortunately, that yummy food usually comes with lots of unwanted, unhealthy calories. My favorite happens to be my grandmother's "Southern Sweet Potato Pie" with whipped cream to top it off. It's definitely not the healthiest thing to eat, but it sure does taste great!

I'm a professional fitness trainer, but nowhere near perfect. I come from the South, where the food is covered in unhealthy yumminess -- some butter here, some sugar there -- so discipline is key for me during the holiday season with my family. It's okay to have a little taste, but you can't go overboard.

Usually, people also forget that they have to go back to reality after the holiday season is over -- and you don't want to go back sluggish with the extra unwanted pounds, so you come up with a New Year's resolution to get in shape. I have a solution for that! Don't overindulge in all of the tasty treats lined up on the buffet table in the dining room. Try making a healthier version of your favorite holiday dishes. For example, instead of adding a whole stick of butter to your favorite cake or pie, downsize the amount of butter in order to decrease cholesterol.

Another word of advice would be to stay active and disciplined through out the holidays so you don't have to feel guilty about your holiday season. Also, find fun things to do with your family that don't require you to sit around. Be active!

My absolute favorite activity to do with my family is to move! I get everyone together in the living room -- from my mother and sister, to my younger brothers, all the way to my grandmother, aunts and uncles -- I turn off the TV, turn on the music, and we dance the calories off together as a family! Not only is it fun, but it also brings everyone closer and helps everyone stay fit in a fun way without feeling like it's torture. It's is an awesome way to stay in shape and keep everybody in motion. You sweat and work muscles that you didn't even know you had!

I would dance for 15 to 20 minutes verses running on a treadmill for an hour any day. You have such a blast that you forget you are burning calories and toning muscles all at the same time. And everyone else forgets they are working out, too! Dancing is also very contagious, so make sure to come in close contact with everyone in the house -- before you know it, your family members go back home and they tell their friends and co workers about how much they enjoy it, then the words spreads and everyone is dancing toward a more fit lifestyle. What better gift to give during the holiday season!

http://www.huffingtonpost.com/keaira-lashae/healthy-holidays_b_2161239.html


Posted via email from Markham Real Estate Today with Asif Khan

Monday, November 19, 2012

How to check your credit report

Hi-852-bank-loan-istock-8col

Everyone who's ever borrowed money to buy a car or a house or applied for a credit card or any other personal loan has a credit file.

Because we love to borrow money, that means almost every adult Canadian has a credit file. More than 21 million of us have credit reports. And most of us have no idea what's in them.

Are there mistakes? Have you been denied credit and don't know why? Is someone trying to steal your identity? A simple check of your credit report will probably answer all those questions. And it's free for the asking.

So what's in a credit report?

You may be surprised by the amount of personal financial data in your credit report. It contains information about every loan you've taken out in the last six years — whether you regularly pay on time, how much you owe, what your credit limit is on each account and a list of authorized credit grantors who have accessed your file.

Each of the accounts includes a notation that includes a letter and a number. The letter "R" refers to a revolving debt, while the letter "I" stands for an instalment account. The numbers go from 0 (too new to rate) to 9 (bad debt or placed for collection or bankruptcy.) For a revolving account, an R1 rating is the notation to have. That means you pay your bills within 30 days, or "as agreed."

Any company that's thinking of granting you credit or providing you with a service that involves you receiving something before you pay for it (like phone service or a rental apartment) can get a copy of your credit report. Needless to say, they want to see lots of "Paid as agreed" notations in your file. And your credit report has a long history. Credit information (good and bad) remains on file for at least six years.

What's a credit score? And why is it so important?

A credit rating or score (also called a Beacon or a FICO score) is not part of a regular credit report. Basically, it's a mathematical formula that translates the data in the credit report into a three-digit number that lenders use to make credit decisions.

The numbers go from 300 to 900. The higher the number, the better. For example, a number of 750 to 799 is shared by 27 per cent of the population. Statistics show that only two per cent of the borrowers in this category will default on a loan or go bankrupt in the next two years. That means that anyone with this score is very likely to get that loan or mortgage they've applied for.

What are the cutoff points? TransUnion says someone with a credit score below 650 may have trouble receiving new credit. Some mortgage lenders will want to see a minimum score of 680 to get the best interest rate.

The exact formula bureaus use to calculate credit scores is secret. Paying bills on time is clearly the key factor. But because lenders don't make any money off you if you pay your bills in full each month, people who carry a balance month-to-month (but who pay their minimum monthly balances on time) can be given a higher score than people who pay their amount due in full.

This isn't too surprising when you realize that credit bureaus are primarily funded by banks, lenders, and businesses, not by consumers.

How can I get a copy of my credit report and credit score?

You can ask for a free copy of your credit file by mail. There are two national credit bureaus in Canada: Equifax Canada and TransUnion Canada. You should check with both bureaus.

Complete details on how to order credit reports are available online. Basically, you have to send in photocopies of two pieces of identification, along with some basic background information. The reports will come back in two to three weeks.

The "free-report-by-mail" links are not prominently displayed — the credit bureaus are anxious to sell you instant access to your report and credit score online.

For TransUnion, the instructions to get a free credit report by mail are availablehere. For Equifax, the instructions are here.

If you can't wait for a free report by mail, you can always get an instant credit report online. TransUnion charges $14.95. Equifax's rate is $15.50.

To get your all-important credit score, you'll have to spend a bit more. Both Equifax and TransUnion offer consumers real-time online access to their credit score (your credit report is also included). Equifax charges $23.95, while TransUnion's fee is $22.90. There is no free service to access your credit score.

You can always try asking the lender you're trying to do business with, but they're not supposed to give credit score information to you.

What if I find an error in my credit report?

Well, you won't be the first. In millions of files and hundreds of millions of reported entries, there are bound to be mistakes. Some are minor data-entry errors. Others are damaging whoppers. For example, we've heard of instances where negative credit files from one person got posted to the file of someone who had a similar name (the "close enough" school of credit reporting).

Some credit bureau watchers estimate that there are errors in 10 to 33 per cent of credit files. Some of those mistakes can be serious enough to hurt your credit status. That hit to your credit score can result in a denied loan or a higher interest rate. Across Canada, provincial consumer agencies collectively get hundreds of complaints annually about credit bureaus.

If you find something if your file that you dispute, you can write the credit agency in question and tell them you think there's an error. The credit reporting agency usually sends along the form you need when it sends you the credit report. Use it to spell out the details of any information you dispute. The dispute forms are online, too. You can access the Equifax form here. And here's how to dispute something in a TransUnion report.

Be sure to send along any documents that support your version of the matter in dispute. The reporting agency then contacts whoever submitted the information you're disputing.

If the file is changed, you will be sent a copy of your new report and any company that's requested your credit file in the previous two months will also be sent the corrected file.

If the item is not changed to your satisfaction, you have the right to add a brief statement to your credit file with your side of the story. You can also ask to have your credit file, along with your comment on the disputed entry, sent to any company that has requested your credit report in the previous two months.

You can also file a complaint with your provincial consumer agency.

What are credit monitoring services?

If you spot entries in your credit report that don't seem to relate to you (such as charge accounts you never opened or bad debt notations you never got), you may be a victim of the rapidly-growing crime of identity theft. You should notify the credit reporting company immediately.

There are companies that will take the effort of checking your credit report off your hands — for a price. The credit reporting bureaus are, not surprisingly, very active in this area. At TransUnion, their credit monitoring service costs $14.95 a month and includes unlimited access to your credit profile and credit score. At Equifax, credit monitoring and identity theft protection starts at $16.95 a month.

There are several other companies offering similar services for similar prices. They usually include features like e-mail alerts when there's a change to your credit report.

It's a personal decision whether you feel these services are worth the money. The bottom line is you can always check your credit report for free by mail. Or, you can pay to get it online whenever you want. People who have been the victims of identity theft or people who are worried that they may be susceptible to ID theft may consider the expense worthwhile.

Should I pay to use a credit repair service?

Industry Canada says there's no point in hiring a company that claims it can improve your credit rating. Firms that say they can "fix" a bad credit report are often little more than fly-by-night operations designed to relieve you of hundreds of dollars in return for nothing.

There's no way a credit repair clinic can change accurate information that doesn't reflect well on you. The only thing they can fix on your behalf is an inaccuracy in your credit file. And you can do that yourself free of charge.

http://www.cbc.ca/news/canada/story/2012/11/09/f-credit-report.html

Posted via email from Markham Real Estate Today with Asif Khan

Thursday, November 15, 2012

We're predicting a healthy real estate market in 2013


We're predicting a healthy real estate market in 2013

Mississauga, ON (November 14, 2012) -- Canadian real estate markets demonstrated remarkable resilience in 2012


Posted via email from Markham Real Estate Today with Asif Khan

Thursday, November 8, 2012

Christine Lagarde, IMF Chief: Canada Should Be Economic Model For The World

R-christine-lagarde-large570

TORONTO - The head of the International Monetary Fund says measures taken to protect Canada's economy should be a model for countries trying to fix their financial systems.

Christine Lagarde said Thursday that Canada has been a leader in creating policies intended to rein in the build-up of household debt.

"Abroad, Canada is identified by its values of co-ordination and consensus building, which have given your country influence beyond its years," she said.

"Building a safe and stable financial system is in the best interests of the global community, but it also serves the self-interest of nations," she added.

Lagarde made the comments at a dinner held in Toronto by the Canada International Council — an organization created to promote Canada's position on the world market.

She pointed to the decision by Finance Minister Jim Flaherty to boost down payments on new mortgages for homebuyers as an example of restraint that others should follow.

"All of these new reforms comprise the tools so far that will help us shape the future financial system," she said.

"We must shape the system so it cannot again hold us ransom to the consequences of its failings."

Lagarde's speech focused on global financial reforms that while "heading in the right direction," still haven't delivered the safer financial system they were designed to create.

"Some financial systems are still under distress and crisis-fighting efforts are inadvertently impeding reforms," Legarde said.

She singled out Basel III requirements as one of the financial reforms that had "generous implementation timetables," that have been in development since 2010.

Under the proposed Basel III rules, a bank's required capital levels must meet certain requirements, amongst other standards. The intention of the rules is to set a standard on key measures of a bank's health and its ability to endure future economic downturns.

"There are many vested interests working against change and pushback is intensifying," Legarde said.

"It is interesting how some banks say the new regulations will be too burdensome, but then spend hundreds of millions of dollars lobbying to kill them."

Canadian banks have been proactive in reinforcing their balance sheets to meet the Basel III requirements ahead of schedule, and are widely considered a model for international banks because they weathered the global recession better than others.

"Most countries have committed to adopt some or all of the new regulations, and some have moved further ahead with their own national policies," Lagarde said.

"The challenge now is to proceed to the end of the reform path all together."

http://www.huffingtonpost.ca/2012/10/25/christine-lagarde-canada_n_2020674.html

Posted via email from Markham Real Estate Today with Asif Khan

Christine Lagarde, IMF Chief: Canada Should Be Economic Model For The World

R-christine-lagarde-large570

TORONTO - The head of the International Monetary Fund says measures taken to protect Canada's economy should be a model for countries trying to fix their financial systems.

Christine Lagarde said Thursday that Canada has been a leader in creating policies intended to rein in the build-up of household debt.

"Abroad, Canada is identified by its values of co-ordination and consensus building, which have given your country influence beyond its years," she said.

"Building a safe and stable financial system is in the best interests of the global community, but it also serves the self-interest of nations," she added.

Lagarde made the comments at a dinner held in Toronto by the Canada International Council — an organization created to promote Canada's position on the world market.

She pointed to the decision by Finance Minister Jim Flaherty to boost down payments on new mortgages for homebuyers as an example of restraint that others should follow.

"All of these new reforms comprise the tools so far that will help us shape the future financial system," she said.

"We must shape the system so it cannot again hold us ransom to the consequences of its failings."

Lagarde's speech focused on global financial reforms that while "heading in the right direction," still haven't delivered the safer financial system they were designed to create.

"Some financial systems are still under distress and crisis-fighting efforts are inadvertently impeding reforms," Legarde said.

She singled out Basel III requirements as one of the financial reforms that had "generous implementation timetables," that have been in development since 2010.

Under the proposed Basel III rules, a bank's required capital levels must meet certain requirements, amongst other standards. The intention of the rules is to set a standard on key measures of a bank's health and its ability to endure future economic downturns.

"There are many vested interests working against change and pushback is intensifying," Legarde said.

"It is interesting how some banks say the new regulations will be too burdensome, but then spend hundreds of millions of dollars lobbying to kill them."

Canadian banks have been proactive in reinforcing their balance sheets to meet the Basel III requirements ahead of schedule, and are widely considered a model for international banks because they weathered the global recession better than others.

"Most countries have committed to adopt some or all of the new regulations, and some have moved further ahead with their own national policies," Lagarde said.

"The challenge now is to proceed to the end of the reform path all together."

http://www.huffingtonpost.ca/2012/10/25/christine-lagarde-canada_n_2020674.html

Posted via email from Markham Real Estate Today with Asif Khan

Wednesday, November 7, 2012

What might Obama's legacy be after 4 more years?

Obama_victory

As jubilant Democrats celebrated the re-election of Barack Obama at his Chicago victory party, talk quickly turned to how the U.S. president's legacy hinges on his next four years in office — and how compromise will be crucial in approaching issues ranging from avoiding another recession to taking the lead on climate change.

The struggling U.S. economy was the dominant election issue and chief on most voters' minds, according to exit polls. But Obama, in his victory speech early Wednesday, gave some indications of where he wants his second term to head beyond the recovery.

In a lofty address, he appealed for compromise with Republicans, saying he was willing to work with them to reduce the federal deficit and the country’s dependence on foreign oil, as well as reform the tax code and fix the immigration system.

The president also made a passing reference to the dangers of climate change, an issue that was barely mentioned in the campaign's earlier months until it roared back into the spotlight in the final days with superstorm Sandy's recent devastation of the coastlines of the U.S. northeast states.

"We want our children to live in an America that isn't burdened by debt, that isn’t weakened by inequality, that isn’t threatened by the destructive power of a warming planet," Obama said.

Speaking ahead of the president in his later-than-expected concession speech, defeated Republican nominee Mitt Romney made his own appeal for co-operation from both sides.

“At a time like this, we can't risk partisan bickering and political posturing," he said. "Our leaders have to reach across the aisle to do the people's work, and we citizens also have to rise to the occasion."

But several volunteers and supporters attending Obama's victory bash said they now want the president to use his new mandate to go further, such as tackling climate change head-on or finding a peaceful solution to the impasse with Iran on its nuclear program.

Breakthough on immigration?

With a broader mandate than expected from Tuesday’s win, Obama also has the chance to shape and leave a legacy not just for himself, but also for his party, through the election’s connection with new constituencies that seem to be forming.

One obvious group would be Latinos, who overwhelmingly supported Obama at voting booths.

Polls have indicated a large majority of the Latino community favours immigration reform that would give some path toward permanent residency to the more than 12 million undocumented immigrants who already live and work in the United States.

Republicans, perhaps looking at how badly they fared among Hispanic voters in the presidential race this time around, could be willing to work to find common ground, despite past bipartisan attempts ending in failure and bitter recriminations.

At the Obama celebration in Chicago, supporter Angie Vaca said she wants the president to make immigration reform his top priority to help people "who love this country and live in fear of being pulled away from their dream."

“We’re tired of waiting," Vaca, 30, a nurse and U.S.-born Latina, told CBCNews.ca.

Congress still gridlocked?

Despite the conciliatory words from the two candidates, when the dust settled, Republicans still retained control of the House of Representatives, and the Democrats will hold on to the majority in the Senate.

That leaves the structure of the partisan gridlock in Congress that plagued the last two years of Obama’s first term essentially intact, meaning he may again find himself limited in what he can accomplish when the new members take office in January.

"I'm not optimistic for a lot of healing coming out of this election,” Roger Simon, chief political columnist of Politico, told CBC News on Tuesday before the results came in.

In Simon’s eyes, the U.S. has entered a deep period of hyper-partisanship that has created a paralysis in Congress that shows no signs of dissipating.

“Congress is a place where hope goes to die,” Simon said bluntly.

Fiscal cliff, Iran loom as challenges

Even before Obama’s second term technically begins in January, he faces immediate short-term challenges, including high unemployment, slow growth and the country’s latest “fiscal cliff” of a budget crisis — this time, a set of already legislated federal spending cuts totalling $600 billion US with higher taxes caused by the expiration of tax cuts brought in by Obama’s predecessor, George W. Bush, coming down the pipe during the month.

If no budget deal is reached by the end of the year, world markets could panic as they did in previous U.S. fiscal showdowns, further threatening the country’s economic recovery and possibly triggering another global economic crisis.

Also looming is the threat of a nuclear-armed Iran and Israel pressing Obama for a so-called "red line," or threshold that would determine when both the United States and Israel would take military action against Iran's nuclear enrichment sites.

http://www.cbc.ca/news/world/story/2012/11/07/us-election-obama-win-legacies.html

Posted via email from Markham Real Estate Today with Asif Khan

What might Obama's legacy be after 4 more years?

Obama_victory

As jubilant Democrats celebrated the re-election of Barack Obama at his Chicago victory party, talk quickly turned to how the U.S. president's legacy hinges on his next four years in office — and how compromise will be crucial in approaching issues ranging from avoiding another recession to taking the lead on climate change.

The struggling U.S. economy was the dominant election issue and chief on most voters' minds, according to exit polls. But Obama, in his victory speech early Wednesday, gave some indications of where he wants his second term to head beyond the recovery.

In a lofty address, he appealed for compromise with Republicans, saying he was willing to work with them to reduce the federal deficit and the country’s dependence on foreign oil, as well as reform the tax code and fix the immigration system.

The president also made a passing reference to the dangers of climate change, an issue that was barely mentioned in the campaign's earlier months until it roared back into the spotlight in the final days with superstorm Sandy's recent devastation of the coastlines of the U.S. northeast states.

"We want our children to live in an America that isn't burdened by debt, that isn’t weakened by inequality, that isn’t threatened by the destructive power of a warming planet," Obama said.

Speaking ahead of the president in his later-than-expected concession speech, defeated Republican nominee Mitt Romney made his own appeal for co-operation from both sides.

“At a time like this, we can't risk partisan bickering and political posturing," he said. "Our leaders have to reach across the aisle to do the people's work, and we citizens also have to rise to the occasion."

But several volunteers and supporters attending Obama's victory bash said they now want the president to use his new mandate to go further, such as tackling climate change head-on or finding a peaceful solution to the impasse with Iran on its nuclear program.

Breakthough on immigration?

With a broader mandate than expected from Tuesday’s win, Obama also has the chance to shape and leave a legacy not just for himself, but also for his party, through the election’s connection with new constituencies that seem to be forming.

One obvious group would be Latinos, who overwhelmingly supported Obama at voting booths.

Polls have indicated a large majority of the Latino community favours immigration reform that would give some path toward permanent residency to the more than 12 million undocumented immigrants who already live and work in the United States.

Republicans, perhaps looking at how badly they fared among Hispanic voters in the presidential race this time around, could be willing to work to find common ground, despite past bipartisan attempts ending in failure and bitter recriminations.

At the Obama celebration in Chicago, supporter Angie Vaca said she wants the president to make immigration reform his top priority to help people "who love this country and live in fear of being pulled away from their dream."

“We’re tired of waiting," Vaca, 30, a nurse and U.S.-born Latina, told CBCNews.ca.

Congress still gridlocked?

Despite the conciliatory words from the two candidates, when the dust settled, Republicans still retained control of the House of Representatives, and the Democrats will hold on to the majority in the Senate.

That leaves the structure of the partisan gridlock in Congress that plagued the last two years of Obama’s first term essentially intact, meaning he may again find himself limited in what he can accomplish when the new members take office in January.

"I'm not optimistic for a lot of healing coming out of this election,” Roger Simon, chief political columnist of Politico, told CBC News on Tuesday before the results came in.

In Simon’s eyes, the U.S. has entered a deep period of hyper-partisanship that has created a paralysis in Congress that shows no signs of dissipating.

“Congress is a place where hope goes to die,” Simon said bluntly.

Fiscal cliff, Iran loom as challenges

Even before Obama’s second term technically begins in January, he faces immediate short-term challenges, including high unemployment, slow growth and the country’s latest “fiscal cliff” of a budget crisis — this time, a set of already legislated federal spending cuts totalling $600 billion US with higher taxes caused by the expiration of tax cuts brought in by Obama’s predecessor, George W. Bush, coming down the pipe during the month.

If no budget deal is reached by the end of the year, world markets could panic as they did in previous U.S. fiscal showdowns, further threatening the country’s economic recovery and possibly triggering another global economic crisis.

Also looming is the threat of a nuclear-armed Iran and Israel pressing Obama for a so-called "red line," or threshold that would determine when both the United States and Israel would take military action against Iran's nuclear enrichment sites.

http://www.cbc.ca/news/world/story/2012/11/07/us-election-obama-win-legacies.html

Posted via email from Markham Real Estate Today with Asif Khan

Tuesday, November 6, 2012

New Canadian $20 bill goes into circulation tomorrow

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Canada's new plastic $20 bills go into circulation tomorrow.

The polymer bill is set to be issued less than a week before Remembrance Day, and pays tribute to the contributions and sacrifices of Canadian military men and women. The back of the bill features the Canadian National Vimy Memorial.

On Tuesday, the new bill will get its official launch at the Canadian War Museum in Ottawa. Hon. Steven Blaney, the minister of veterans affairs, and David Houghton, president of the Vimy Foundation, are expected to attend the ceremony.

The $20 bill is the country's mostly widely used bank note.

The Bank of Canada began issuing polymer money a year ago, starting with the $100 bill in November and followed with the $50 note in March. The polymer notes are more secure and durable than earlier bills, according to the bank's website, which says they "are easy to check and hard to counterfeit."

New plastic $5 and $10 notes are scheduled to be issued by the end of 2013.

http://www.cbc.ca/news/canada/story/2012/11/06/can-new-money.html

Posted via email from Markham Real Estate Today with Asif Khan

Monday, November 5, 2012

Reducing Stress With Feng Shui

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Decorating your home is an art. The furniture, the colors, the artwork, the lighting—you want all of these elements to balance in perfect harmony.

But a harmonious space means more than having the right drapes or perfectly matched linens. A harmonious space should be pleasing to the eye as well as the soul. Most of all, a harmonious space should reduce anxiety and bring about inner harmony, and that’s where the ancient Chinese practice of feng shui comes in.

“Any major energetic unbalance will result in stress,” says Natalia Kaylin, a feng shui consultant based in Massachusetts. “If you feel stressed and unmotivated, or have low energy and disrupted sleep patterns, the probability is high that your environment may be a contributing factor,” she explains.

According to Kaylin, the key to reducing this stress lies in creating balance between Yin and Yang (the two opposing forces discussed in Chinese philosophy) as well as the five Elements, which consist of water, wood, fire, earth and metal. For example, a home with too much Yang (e.g. too much brightness, lots of straight lines, lots of sharp lines) can create a stressful environment. Likewise, too many fire elements (deep reds and triangular shapes) will do the same.

So what can you do to make your living space a more peaceful, stress-free environment? Interior decorator and feng shui enthusiast Vanessa Deleon recommends you consider redesigning. “An incorrectly designed space can just cause more anxiety and stress in your life,” she says. Deleon also explains that colors, furniture placement and even clutter can be contributing factors, so every room in the home can benefit from a feng shui makeover.

The entrance
“The entrance is the area where energy comes in and distributes throughout the house,” says feng shui expert Kaylin, who believes it’s also one of the most important spaces in the home. To invite good energy, she recommends reducing all clutter, softening any sharp design features and introducing curved furniture. “If the entrance is small, open up the space by introducing a piece of art with a subject like an ocean, a meadow or a path,” she advises. Mirrors work well too, she says, just as long as they’re hung on a perpendicular wall from the door.

The bedroom
It’s especially important to have a stress-free environment to sleep in, because so much of our time is spent in the bedroom. “The bedroom is where you wind down at night, but it’s also the place where you start every morning,” Deleon reminds us. She advises positioning the bed far from the door, and never on the floor. “This keeps the energy from flowing beneath you when you sleep,” she says.

As Kaylin adds, “A person’s energy is more open, and therefore very vulnerable in the bedroom.” The consultant’s recommendation is to keep furniture—especially books and bookshelves—to a minimum. “Too many things in the bedroom equal stress,” explains Kaylin, adding that the same rule applies for electronic devices. If you can’t completely rid your bedroom of electronic devices, like a cell phone or alarm clock, at least keep them away from your head while you’re sleeping.

The home office
“De-clutter, de-clutter, de-clutter,” says Kaylin of the home office. (In fact, that’s a rule she recommends throughout the entire home.) “Clutter is vicious, it takes many forms, and is the biggest contributor to stress,” she continues. She recommends installing a good filing system to keep clutter at bay. And if you’re having trouble staying organized, Kaylin says you might have too many earth elements in the room (square shapes, stone, earthy colors) that need to be balanced with metal elements (metallic colors, sculptures or vases).

Another important factor is the positioning of your desk. Kaylin and Deleon believe it should be situated in a place where your back is against a solid wall as opposed to a wall with a window. And never sit with your back facing a door, as this is an easy way to invite stress into your workspace.

Lastly, rid the room of fluorescent lighting. “The faint humming, unnatural spectrum and subliminal flickering all contribute to a sense of unease and dislocation,” warns Kaylin.

The living room
This space, like all rooms in the home, will benefit greatly from the right colors. Kaylin likes to avoid colors such as red, orange and black, opting instead for softer pinks, yellows, greens and whites. “Sage green is my favorite,” says Kaylin. She also warns against using blue on any northern walls, as feng shui practitioners believe this makes a space cold and unwelcoming.

The right size and shapes of furnishings in your living space play an important role in reducing stress and promoting peacefulness. “Furniture must be proportional to the room size,” says Kaylin, who explains that too-large furniture can interrupt the flow and circulation of good energy. She recommends choosing furnishings, wherever possible, that feature round or curvy designs. “We are still part of nature and relate well to more organic, natural and curved shapes,” Kaylin says. “They are more natural then straight, sharp lines.”

Finally, don’t over-decorate your space. According to the expert, too much decoration—and especially too many small objects such as photos and décor items—can “create chaos.” Whittle down your decorations to items that “create a warm emotional response,” such as vacation photos or soothing paintings. Try to make room for natural objects like plants, too. “We are creatures of nature and still have strong connections with it deeply in our genes,” says the expert.

The kitchen
“The best feng shui kitchen design is a triangular design where the stove, refrigerator and sink are placed at the ends of a triangle,” says Kaylin. While she acknowledges that this may take some time (and money) to execute, she says it’s important if you spend a lot of time in this room.

If this setup still isn’t realistic for your home, Deleon suggests shift your appliances so the stove isn’t directly opposite from the sink, dishwasher or refrigerator. “The clash of fire and water elements is not good,” she says. And if this also isn’t a possibility, she recommends keeping your fridge and cabinets stocked at all times. “This implies wealth and abundance,” says Deleon.

But above all, remember that your home and personal tastes are unique, so it might take some time to find out what works for you. “Be prepared to change room colors to a more relaxing palette, and to move a few pieces of furniture around to achieve the easiest and the most harmonious flow,” says Kaylin. In other words, don’t be afraid to experiment—there’s really no harm in trying out a few of these feng shui tips.

And if they spark a bit of inner harmony, so be it.

Posted via email from Markham Real Estate Today with Asif Khan

Friday, November 2, 2012

Daylight Savings Time: Falling back can have sleep side effects

The end of daylight-saving time this Sunday will allow an extra hour of beauty sleep, but not without some pesky effects.

“Some people don’t think that an hour has any impact at all on your body and that’s not true,” says Dr. Colleen Carney, a sleep specialist who teaches at Ryerson University, and is director of the Sleep and Depression Laboratory.

She likens lack of sleep to driving through a time zone when you’re hungry.

“If you’re starving and you’re driving through one time zone and it’s supper time and then you’re suddenly in a different time zone, the hunger doesn’t go away.”

There are two separate clocks: one in our bodies and the other, on the wall.

People often attribute jetlag to travel but it’s really just a mismatch between the time you’re travelling in and your inner clock.

“When your inner clock doesn’t match the environment, your body is going to have to match up. So whenever we change the environment, daylight-savings time, for example, your body will still be aligning itself with the inner clock, not the clock in the environment we’re in,” Carney explains.

She says that could affect mood, eating and social habits. She says you may wake up starving because you are used to eating at an earlier time or you may feel a bit cranky and adds that if your body is usually alert at a certain time, it will continue to be, making sleeping in difficult.

For most people the effects shouldn’t be too dramatic. But for people already suffering from sleeping problems such as insomnia and those with depression — the switch could be particularly hard.

“Adding an hour of sleep can exacerbate insomnia,” by throwing off the regular sleeping schedule so crucial to helping with insomnia.

Canryey’s suggestion: Think of the beginning and end of daylight-saving times as you would a New Year’s Eve resolution — reflect on how you sleeping and think about prioritizing your sleep schedule.

Five tips to a good nights sleep from the Mayo Clinic:

  Stick to a sleep schedule. Go to bed and get up at the same time every day. Being consistent reinforces your body’s sleep-wake cycle.

  Pay attention to what you eat and drink. Don’t go to bed either hungry or stuffed.

  Limit daytime naps. If you choose to nap during the day, limit yourself to about 10 to 30 minutes and make it during the midafternoon.

  Include physical activity in your daily routine. Regular physical activity can promote better sleep, helping you to fall asleep faster.

  Manage stress. When you have too much to do — and too much to think about — your sleep is likely to suffer.

http://www.thestar.com/living/article/1280958--daylight-savings-time-falling-back-can-have-sleep-side-effects

Posted via email from Markham Real Estate Today with Asif Khan

Thursday, November 1, 2012

Three things to do in Toronto this weekend

Go BIG

The Royal Ontario Museum’s (100 Queen’s Park) new exhibit focuses on costumes and textiles that are big in some sense, whether in size, price tag or historical importance. Opening Nov. 3, BIG features artifacts from around the world and continues until Fall 2013. Tickets, $15. For more, visit www.rom.on.ca.

Celebrate culture

The Harbourfront Centre (235 Queens Quay W.) channels Mexico during its weekend-long Day of the Dead Festival. The free family-friendly festival kicks off Saturday and features Mexican cuisine, face painting, music and dancing. For more, visit www.harbourfrontcentre.com.

Head to the farm

The Royal Agricultural Winter Fair brings hundreds of breeders, growers and exhibitors to Exhibition Place (Lake Shore Blvd.). The indoor fair features giant farm animals and vegetables, an equestrian competition and shopping. From Nov. 2 through 11, tickets, $18. For more, visitwww.royalfair.org.

http://www.thestar.com/living/article/1280325--three-things-to-do-in-toronto-this-weekend

Posted via email from Markham Real Estate Today with Asif Khan

Resilient York Region Real Estate Market Defying Odds

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