Broker VS Bank
A mortgage broker acts as an intermediary between the borrower and the lender . Traditionally , banks sell their own products . They are working for themselves rather then for the consumer .
Mortgage brokers , on the other hand , are working for the best interest of the consumer . With access to banks and an unlimited number of various mortgage lenders , a mortgage broker can offer an option tailored specifically to the homebuyers needs .
As mortgage lending guidelines become more complicated , mortgage brokers are the key factor in helping consumers get proper approval with a mortgage option that works for their needs ! - Jevad Danesh and Lina Addeo , Easy Mortgage Pro , www . easymortgagepro . ca
I ’ VE NEVER HAD A PROFESSIONAL CLEANER , WHAT SHOULD I EXPECT ?
Bringing a stranger into your home is bound to make you feel nervous . Here are a few things to expect when hiring a reputable , professional cleaning company :
• They will be insured and bonded – keeping your family ( and the cleaners ) protected .
• A team of at least two cleaners will show up at your door , with their own environmentally friendly cleaning products .
• Focus on tidying away any clutter from surfaces such as counters and floors . Save yourself time and don ’ t feel inclined to clean before they arrive – the team will just go over what you have cleaned anyway .
• If you had an in-home estimate before the clean and agreed on what to have cleaned , your team will have a list of what to focus on . Any add-ons should be cleared with you before you incur the extra time ( and money ).
• Most importantly , expect to feel a deep sense of calm in your newly cleaned space and enjoy the personal time you ’ ve gained .
- Kelly Riley-Dunbavin , Molly Maid , www . mollymaid . ca
SHOULD I INSURE MY HOME-BASED BUSINESS ?
Liability is the most significant risk for home-based businesses . If you ’ re running a small business or sole proprietorship from your home , you need to manage and mitigate your business risks .
Unfortunately , your home insurance policy won ’ t cover you in the event of an accident or unexpected event . That ’ s because most home insurance policies aren ’ t designed to cover damages or losses related to business activities .
If you have customers , business partners , or delivery people visiting your property , consider purchasing a home-based business insurance policy that includes coverages like commercial general liability . Suppose you earn a living by providing professional advice and consultation . In that case , you may need professional liability or errors and omissions coverage to protect yourself from the risk of a third-party lawsuit . - Liam Lahey , Zensurance , www . zensurance . com
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