Select Page

Author: mandmweb

Home Inspection Professional Associations and Designations (Alberta)

CAHPI: Canadian Association of Home and Property Inspectors Designations: Associate Registered Home Inspector (RHI) CanNACHI: Canadian National Association of Certified Home Inspectors Designations: Associate Certified Master Home Inspector (CMHI) InterNACHI: International Association of Certified Home Inspectors Designations: Certified Professional Inspector (CPI) Certified Master Inspector (CMI) Alberta NACHI: Alberta chapter of InterNACHI Designations: Certified Canadian Home Inspector (CCHI) Wow, that’s a mouth-full and probably not very helpful. Suffice to say that not all designations are equal nor do all qualify for a license from the government of Alberta. I encourage you to compare the criteria for the RHI and CMHI designations to others, I consider either designation to be difficult to obtain, and hence a desirable trait for anyone conducting a home inspection in Calgary. Alberta home inspectors are not required to belong to any professional association, membership is completely voluntary. Memberships are not free, some associations require on going education and have policies encouraging members to attend meetings and work with stake holders to improve the industry. Other associations focus more on marketing and helping members in Calgary to expand their business. Each of these associations publish a Standards of Practice (SOP) and Code of Ethics (COE) which spell out in great detail what a home inspection includes, what it does not, and how members should conduct themselves. The SOP and COE help to protect consumers by ensuring that...

Read More

How Celebs Get The Lowest Interest Rate Credit Cards

Celebrities are known to whip out a card to pay for just about anything. Have you ever wondered why they bother to use cards when they obviously have so much cash from movies or music? The fact is that top celebrities get the best credit card offers because they know the secrets to getting the lowest interest rates out there. Do you? If you did, you would qualify for credit cards with very low interest rates and that could mean big savings for you over the lifetime of using those cards. Secrets to Getting Low Rate Cards You want the lowest interest rate loans. You want to be able to pay for your purchases without worrying about the costs associated with doing so. How can you get into these rates? Here are a few things you need to know. You have to beef up your credit score. No other item will contribute more so to your ability to qualify for a low interest rate credit card. To do this, check your report and remove errors before you apply. Spend a few months making payments on time and paying down your debt. This way, you boost your score overall. Do use credit. You cannot just forget about it. You need to show the lenders that you use credit (and are willing to carry a balance responsibly.) That is where the...

Read More

Managing Bad Debts Through Consolidation Debt Loans

How will I ever save money for my retirement when I am paying so much for my credit card debt? How will I ever get back on my feet with so much debt to pay? How will I ever save money when all I earn is just enough for my mortgage, debt and food? With all this student and college loans hanging over my head, when will I ever save? With all this debt and loans hanging over my head, when will I ever get my life back and get back on my feet again? It Is Very stressful! Does It? But do not worry you are not alone! Heard of consolidation debt loans? We are not created equal with the ability to successfully manage our finances. But your debts and finances can get the professional help of a financial manager or counselors. What these managers and / or counselors do is to less all your debt related financial burdens and concerns. Managing your debt is a process where you can consolidate, reduce, and eventually eliminate or eradicate all your outstanding debts. This can be done and completed through the help of a credit counselor from a debt management department of a financial institution or a debt management agency. These professionals will guide you on all your debt management needs. Let us face it, you will not be reading...

Read More

Wells Fargo Loan Modification Completely Explained

Where traditional loan modification schemes can take months the newly implemented loan modification scheme at Wells Fargo can sanction your loan modification within a week if you are eligible. If you are seeker of Wells Fargo loan modification scheme you might want to know the details of this scheme. The details of Wells Fargo loan modification are explained here: Project lifeline: This wells Fargo loan modification program stalls the foreclosure process up to 30 days to allow a time frame for solution of loan workout to be implemented. Under this program Wells Fargo is proactively contacting borrowers who are delinquent for a period of 90 days or more, on a case by case basis to assess their situation and qualification for home loan modification. The documents required by the banks for assessment are homeowners credit history, income, debt to income ratio, present and past employment, current property valuation and initial valuation and proof of financial hardship. However there are some caveats applied to the conditions of qualification for the home loan modification. You do not qualify if you have: 1. loan on investment properties 2. loan on vacant properties 3. Bankruptcy already filed 4. Foreclosure already on with the date of sale within 30 days. Fast track Solution for adjustable rate mortgage: Homeowner who took a loan and its payment is now beyond their affordability may qualify for a...

Read More