Angela Kroemer Mortgage Professional

Angela Kroemer Mortgage Professional
1.250.650.4182
Showing posts with label Comox. Show all posts
Showing posts with label Comox. Show all posts

Sunday, September 9, 2012

Feng Shui-Can It Help to Sell or Buy Your Home

 
For a realtor trying to survive the currently sluggish market, there might be no sight as disheartening as that of the unyielding feng shui master who shows up with the buyer to assess the property.
The master, is, after all, probably going to get the last word.

The ancient Chinese practice of feng shui, which is, roughly, about creating a harmonious environment, can have a major impact on a sale in the Lower Mainland. Feng shui master Johnson Li knows all about that, having shot down many a potential purchase.

Mr. Li has been a feng shui master since arriving in Vancouver 20 years ago. He divides his time between the Lower Mainland, Hong Kong, China, and places like Victoria and Seattle, where he’s called upon to assess homes for occupants or would-be buyers.

Feng shui got plenty of media attention in the late 1980s, when a wave of Taiwanese buyers was purchasing and renovating properties based on the system. Today, it’s still alive and well and has spread beyond the Chinese demographic, with devotees from other cultures opting to let feng shui guide their choices.

Mr. Li acknowledges that he is one of the most expensive feng shui masters in Vancouver, but his rate is even higher when he works in China. Here, he charges $8,800 to assess commercial properties; $3,800 to assess houses, and $2,800 to assess apartments. His fee is not to assess only one property for a client, but rather, as many properties as necessary until he finds one with good feng shui. He says that he once rejected more than 100 listings until he settled upon an appropriate house, which must have been an interesting situation for the buyer’s realtor.

The practice is not limited to Chinese buyers, says Mr. Li. He has clients who are Caucasian and East Indian. In Surrey, a Polish family requested his help when they couldn’t sell their house after six months without action. After his recommended changes to the house, he says they sold two months later.

Patricia Coleman is a feng shui practitioner who caters mostly to a non-Chinese demographic in Vancouver. She has guided homebuyers and has “feng shui’d” houses to make them easier to sell.
“I have a lot of western clients,” she says. “It’s not just about trying to sell a house, but making the right decision. It’s a huge purchase. You need to ask, ‘Is it the right one?’

“Every culture has an understanding of placement and energy.”

Faustina Kwok, who lives in Richmond with her naturopath husband Martin, says their new house was built according to feng shui principles that she believes will increase its value. They also “feng shui’d” her husband’s clinic. However, when it came to the house, she wasn’t willing to forgo a good floor plan and flow for feng shui, Ms. Kwok says. She’d been inside “feng shui’d” houses that felt odd because the flow was off. But she was willing to move the driveway, and add a partial wall so that the master bedroom wasn’t in direct view of the front door.

“We just did the big modifications, like where the toilet shouldn’t be,” she says. “You don’t want to flush your fortune away. At least I take comfort knowing my toilet is not in the wrong place,” she says, laughing.

Although growing in popularity, it’s still a largely misunderstood practice, says Mr. Li. Some people think that the popularity of an address that includes the number eight is feng shui, but that’s more about superstition. Feng shui grew out of something far more practical, he explains.

“It is the art of looking at places that are safe or not, gauging whether they are a habitable place,” he says, seated in his Kingsway office, surrounded by his extensive library, a translator at his side. “Feng shui means the study of surroundings.”

Mr. Li has stopped the sale of many houses, and he’s witnessed attempts at feng shui by builders who were shrewdly, or naively, anxious to appease the Chinese market. Mr. Li explained how he once kiboshed the sale of a newly built home in West Vancouver. The builder had hired another feng shui expert to help design the house, which included a giant vertical aquarium as well as an indoor Koi fishpond. Mr. Li took one look at the aquarium and pond and gave a thumbs-down on the pricey property. His clients took his advice and walked. The builder was so furious, he says, that they asked him to put his reasons in writing.

As he poured another round of green tea, he explained that it’s a basic feng shui principle that you don’t want water above your head. As well, a Koi pond inside a house is not a good thing, he added.
When asked to explain, Mr. Li chuckled and said, “Because it will smell like fish.”

As for the feng shui practitioner who’d allowed such missteps, he explained that unfortunately, because so many consumers want instant and easy answers, there are a lot of unscrupulous practitioners who don’t know what they are doing. He doesn’t like doing assessments for developers and realtors because “they use him to make money.”

He recalls a realtor slipping him a red envelope as he was doing his assessment. The envelope was stuffed with a substantial amount of money, which he later turned over to his clients.

Emily Lo says she trusts Mr. Li for all her real estate purchases, even if it irritates the realtors, who often try to persuade her to use Mr. Li’s report as one of the subjects to sale. However, she’d prefer to get his opinion upfront, after the initial walk-through.

“He has the power of veto, and if you are paying that amount of money, you are going to trust what he says.”

Gastown realtor Ian Watt says the issue of feng shui comes up about once a month.
“A lot of my Chinese clients are really big into that,” he says. “It’s amazing, because it does affect real estate for a certain demographic. Everybody over 50 cares for sure.”

He has a client with a condo on Pacific Boulevard currently on the market, and the client refuses to let him close the window during showings.

“It’s on Pacific Boulevard, which is very noisy. The traffic sounds don’t help,” he says. “They want the window open all the time, and it’s something to do with feng shui.”

Anna Chen, who co-owns the unit with fiancĂ© Dan, can explain. Her uncle is a feng shui master who visits from Taiwan, and he told her to keep the window open in order to sell the unit. Ms. Chen, who is 32, said that she was reluctant to believe in feng shui throughout her 20s, but now that she’s older, she’s starting to see its value.

“I think it helps. I’ve seen it help. So that’s why I asked my uncle to help me to sell the place, and also to help us buy the next place. Now, when we go to a new condo listing, sometimes I ask him to come with me. He told me the direction of the entrance and everything will affect health and fortune, how much you can make, or are you going to lose.”

An Excellent article by Kerry Gold
Special to the Globe and Mail September 8 2012


For information on mortgages
 
 
 
Angela Kroemer, AMP
Mortgage Professional
TMG The Mortgage Group Canada Inc.
TMG Sharie Marie Mortgage Team
Local: 1.250.650.4182
TFP: 1.888.679.0190
Fax: 1.888.679.0192
 
Facebook Pages
 













Saturday, September 8, 2012

Business Financing? Yes, We have It With TMG Merchant Capital Program





TMG Merchant Capital Group

I am excited and pleased to announce a new division that The Mortgage Group Canada Inc has opened up and it is TMG Merchant Capital Group, powered by Merchant Advance Capital (MAC) is a Canadian owned and operated company headquartered in Vancouver, British Columbia. The founders of the company have significant financial and business experience, including owning and operating a variety of businesses.

TMG Merchant Capital Program is a purchase of your future debit/credit card sales for a discount today. The obligation is paid back through a small percentage of all of your debit/credit card transactions (this percentage ranges between 5-15% for the TMG Merchant Capital Program).

Since day one, Merchant Advance Capital (MAC) have been providing easy access to capital to Canadian small and medium sized businesses by:
  • Advancing capital based on future debit/credit card sales;
  • Being able to work with any payment processing company;
  • Saying 'yes' to more businesses; and
  • Using a consultative approach and providing exceptional customer service!
  •  
Merchant Advance:
A Merchant Advance is not a loan; it is a discounted purchase of future debit/credit card receivables for cash now. It has been designed to provide growth capital to small-medium sized businesses with no collateral required.

How It Works
The advance is a lump sum of cash in exchange of a lump repayment amount. The repayment amount is paid down a little bit each day through sales made on your credit card machine. Each day a percentage of your card sales automatically go towards chipping away at your balance until the repayment amount is $0.00.


A TMG Merchant Capital Program can be used for any business purpose, such as purchasing inventory, renovations, acquisitions, advertising & marketing, expenses etc.

Example:

An owner of a restaurant which processes approximately $30,000 of debit/credit card sales per month receives a TMG Merchant Capital advance of $24,500 in exchange for $32,400 of future debit/credit card sales collected using a 12% withholding. TMG Merchant Capital withholds 12% of all debit/credit card transactions until it receives $32,400 which in this example would take approximately 9 months. Once the restaurant owner has repaid the majority of the payback amount, he is eligible for a renewal.

The Benefits-There is no interest rate – the amount owed will never grow, so you know exactly how much the funds will cost from day one.
 -No fixed payments -repayment is made on a daily basis, through a percentage of your debit & credit card sales. If you sell $200 one day in debit & credit sales, and your daily withholding is 10.0 % then $20 will automatically go to chipping away at your balance.
- No collateral required – Merchant Advances have been designed for fund small- medium sized businesses, no collateral is needed to qualify.
- No changes to your existing hardware – Merchant Advances are compatible with any Merchant Service provider. You do not have to change who you process your debit & credit cards with.
- No delay on your sales – the no-delay debiting system ensures that you receive your sales right away so you never have to wait.
- Receive funding quickly – your business is able to receive funding in 7 business days. In comparison a bank could take 4-8 weeks.
- Repaid quickly – Merchant Advances are modeled to be repaid within a year so your business does not become burdened with long term debt.
-Does not report on your credit bureau – as a Merchant Advance is not a loan, it does not report to the credit bureau.



Our differentiator: TMG Merchant Capital, we want to be a part of your success. Many merchant cash advance companies offer larger up-front advances, but their programs have high withholding percentages which can severely impact a your cash flow. They also increase the discount at which the future sales are purchased in order to cover the increased risk of having merchants that are not as healthy during their program.

 We believe in offering a cost effective service that makes financial sense for you, our clients, and we wish to build long-standing relationships for your financing needs.


The Process:
Day 1:
 Application forms and merchant processing statements submitted.
Day 3: 
 Conditional offer is made to the applicant, subject to satisfactory review of remaining documents.
Day 5:
  Final agreement sent out and executed after one day of review of remaining documents.
Day 7:
 Account is funded after banking environment is set up.

 
Contact me and see how much you qualify for today!


Angela Kroemer, AMP
Mortgage Professional
TMG The Mortgage Group Canada Inc.
Local : 1.250.650.4182
T.F.P:  1.888.679.0190
T.F.F:  1.888.679.0192
Email :akroemer@mortgagegroup.com
Website : www.KROEMERmortgages.com


Facebook Pages
https://www.facebook.com/#!/akroemer

https://www.facebook.com/#!/cvmortgages

https://www.facebook.com/#!/campbellriverbc





















Wednesday, May 9, 2012

Gifts For Mom- Mother's Day- Sunday May 13 2012



While Mom may not be getting a house for Mother's Day, here is an interesting survey on what Canandians do get mom for Mother's day.
Gifts for mom: Are you as generous as the average Canadian?
TORONTO— The Canadian Press



Seventy-three per cent of Canadians are getting mom a gift this Mother’s Day, according to BMO’s 2012 Mother’s Day survey. The average amount we’re willing to spend on mom: $84.16.
Men are true momma’s boys, planning to spend $105 on their mothers. Women, on the other hand, are only willing to shell out $62.

The most generous province? Ontario, where the average spent on a gift is $93.61. The Atlantic provinces spend the least, with a budget of $70.41.

Of course, a bigger gift doesn’t mean a bigger heart.
“The difference in spending is more likely a measure of practicality than it is of love,” said Jennifer Weisman, director, BMO Bank of Montreal.

Mother’s Day is bigger than Valentine’s Day and second only to spending leading up to the Christmas holidays. It typically generates the second highest volume of weekend shopping in the year as measured by dollar value.

So what kind of gifts can mom expect this year? Canadians say they plan to:
– Take mom out to a restaurant (28 per cent). If you plan to take her out for a meal, be sure to make a reservation. Mother’s Day is one of the busiest days of the year for dining out. There was a 22 per cent spike in restaurant spending from the same period the previous month last year.
– Bring her flowers (27 per cent). No surprise here. With spring buds blooming across the country, May is the perfect time to show your love and appreciation with flowers. Last year there was a 237 per cent increase in spending on flowers during the Mother’s Day weekend compared with the same period in the previous month.
– Make her a home-cooked meal (18 per cent). Whether it is breakfast in bed or full-on Sunday dinner, it’s all good, as long as mom doesn’t have to make it.
– Give other gifts or cards (3 to 4 per cent). Aesthetic services, candy and chocolate, jewellery, cards and other gift ideas all trailed far behind the top three choices.
– No gift (15 per cent). Respondents didn’t offer reasons for foregoing a gift, but the numbers were surprisingly high. This could be due to the mother being out of town on holidays, or simply that families celebrate their moms every day and don’t make a practice of observing these types of occasions.

The survey was completed from April 23-26, 2012, using Leger Marketing’s online panel, with a sample of 1,500 Canadians. A probability sample of the same size would yield a margin of error of 2.5 per cent 19 times out of 20.
The Canadian Press



Angela Kroemer, AMP
Mortgage Professional
TMG The Mortgage Group Canada Inc.
TMG Sharie Marie Mortgage Team
1.250.650.4182
akroemer@mortgagegroup.com
www.KroemerMortgages.com -- Check out the special deal on my website.
Your Mobile Mortgage Professional in The Comox Valley now with an Office.

Tuesday, May 8, 2012

Did the bank decline your mortgage application?

If the bank has declined your mortgage application, please come talk to me. I have a several lenders to choose from and usually I can find a lender to work with almost any situation. My service is mobile , or I can meet with you in my office when it is convenient for you. 1.250.650.4182.

Check out my sweet deal on my website  www.KROEMERmortgages.com

Angela Kroemer, AMP
Mortgage Professional
TMG The Mortgage Group Canada Inc.
TMG Sharie Marie Mortgage Team
Local: 1.250.650.4182
TFP: 1.888.679.0190
Fax: 1.888.679.0192
Your Mobile Mortgage Professional in The Comox Valley with an Office TM