Invisalign: The Advantages and Disadvantages

If you are a newbie or plan on getting the Invisalign treatment then you shouldn’t just look on its bright side but also consider the opposite one as well. A lot of people will always have regrets with the treatment they’ve chosen because they don’t do a lot of research. If you don’t want this to happen to you then it’s important to do a little reading at first especially on the side effects associated to that particular treatment.

First off, if you haven’t heard of Invisalign, it is an orthodontic treatment, offered by most orthodontist, including Dr. Ravi Rajanna and Dr. Peter Luu, that is dedicated to realign your teeth back to its straight position. They are made of clear plastic aligners that surely make it hard for people to spot when they’re on your teeth. In fact, this is the reason why a lot of orthodontic patients seek because of how well it blends. It really works the same way as a brace does so this is one of the primary reasons why orthodontic patients seek it the most.

Now that you are a bit acquainted to what Invisalign is all about, it’s time that you know what are its advantages and disadvantages. To help you out, this article will provide you with that comparison. Here it is:

Advantages of Invisalign:

  1. As mentioned earlier, the physical aesthetic is the greatest that Invisalign has over traditional braces. Their clear material makes it almost invisible to the naked eye thus making the wearer more comfortable when smiling in pubic. With this, you will feel like you’re not wearing any aesthetic at all.

  2. You can always remove the aligners if you want especially when you’re eating. This gives the patient freedom to eat or drink whatever they want. However, it shouldn’t be off from your teeth for too long otherwise the realignment process will be delayed. Just make sure to wear them at least 22 hours a day.

  3. If you want to maintain your oral hygiene then just simply remove Invisalign from your teeth and do some cleaning. You will be able to clean every area of your teeth without the possibility of having food particles getting stuck. It will also allow you to clean the aesthetic especially if it gets a bit dirty too.

  4. The comfort is also another great thing about this aesthetic. Its plastic material would erase all discomforts that you would normally feel when you have braces. It will also prevent such injuries to happen in your teeth and gums.

Disadvantages of Invisalign:

  1. There are some complicated issues that Invisalign cannot treat. If it has something to do with so much misalignment problems then your orthodontist will tell that Invisalign may not be the right choice for you.

  2. You must be responsible to wearing your Invisalign at all times. This is a commitment that you must abide even before you have it because not being able to do so won’t let you achieve the desired results.

  3. The cost of Invisalign is something that to-be patients should all be aware. Since it looks more sophisticated then you must also expect that it doesn’t come cheap. However, the money you will spend for the treatment will surely be a good investment.

Excellent Advice About Home Mortgages That You Will Want To Read

Home loans are important because they give you an inkling of your financial future. This is an important decision that you need to be informed about before you go into it. You will make a better decision when you know what should.

1. Pay off current debt, then avoid getting new debt while you go through the mortgage process. When consumer debt is lower, you’re able to qualify for higher mortgage loans. High consumer debt could lead to a denial of your mortgage loan application.

2. Even before you contact any lenders, make sure that your credit report is clean. Recent years have made it more difficult to get a mortgage, so a solid credit report is critical if you wish to qualify for a loan with good terms.

3. Get all your financial paperwork in order, before going to your mortgage appointment at the bank. If you bring your tax information, paychecks and info about debts to your first meeting, you can help to make it a quick meeting. Any lender will need to look over these documents, so save yourself a trip and have it ready.

Taking the information you just read and applying it to your situation will help you find the right mortgage.  

GUEST POST by Chris Landry: Chris Landry is an experienced mortgage broker and has been working here in Vancouver, BC for over 15 years. Connect with Chris Landry on: YouTube, Yelp, Facebook, Manta, and Twitter.

Here is some advice on how to choose the ideal bathtub

Aside from taking a bath, a bathtub has other purposes as well that can be very beneficial for a person. If you plan on buying your own bathtub then you need to consider other factors as well. So if you are seeking for some tips on how to choose your bathtub wisely then here are some tips to help you out.

1. The first thing you need to consider about choosing a bathtub is to know its other purposes for you. There are bathtubs that can help take away the stress like the ones that have massaging jets. So always know what features you are looking for before buying the bathtub.

2. When you choose a place to buy your bathtub then consider the ones that are trusted by many. If you choose a low class store then you will definitely get the lowest quality available. So make sure to choose a store that many people uses and has a good reputation. Find out the businesses reputation at the Better Business Bureau

3. Apart from the bathtub’s purpose, you need to consider the style that suits you best as well. Having a bathtub that looks stylish will surely complement your bathroom and provide it the appearance that you really love.

So if you think that choosing a bathtub can be difficult then the tips above can be a great guide for you.  

GUEST POST by Aaron Gruenke: Aaron is a bathroom fixture expert and owner of Perfect Bath is Canada’s top online retailer of bathtubs and other bathroom fixtures. Call Aaron today!


How To Get A Great Mortgage Rate

When you walk into a bank and you ask them to give you something. They’re giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can’t you always get the best rate? Well, each product is different. I’ve mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either.
You just do not know that because they all look like they target everybody. Right? We’re looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case.
Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you know that?
Not a lot of people do. So therefore location matters to them. And if you get a certain property in a certain area, they will not fund it. Likewise, with other banks going into other provinces or things like that.
They also do not just like land; many places do not want land, or places with homes that are deteriorating or things with more than two piping or previous row operations. All these things I’ve mentioned in other videos before. Each bank targets people differently and they won’t do certain properties. So property is one of the things.
Secondly, credit score. What is your credit score. If your credit score is over 680 great. I can probably put with any lender based on that score. Is it under that score 680. well is it between 650 and 680? I can still go to most lenders. What if it is below 650, what if it is below 500? These are different levels, different tiers and again if a certain rate of 5% says you must have a 680B or above and you have less than 680. You now do not qualify for that best rate.
Kind of, catching on how this works? Again, self employed stated income programs not every bank does those. New immigrant programs you know each bank has their own niche. So, you are not always going to get the best rate depending on your situation.
So if you come to me, how it is I am going to get you the best rate? I am not; I am going to get you your best rate based on your situation. So what I will do I will go, “OK, what is the situation, what is the property, oh it is in the city. OK, well these credit unions are out, these lenders do not like it over there or whatever the case maybe.”
Now I am left with this pile. From that pile, I am going to go, “Well I am using a stated income product. This person is self employed does not document a lot of income. OK well, that’s more than half. Great now I’m left with this pile.” Now I will look at this pile of lenders and I say who has the best rate? And from those lenders I place you with one of those.
There is things about that product you need to know about it. First of all, is it a fixed or variable? If it is fixed how long is it fixed? If it is variable how long is the variable? You probably did not know variable comes in terms did you.
Another thing to ask is what is the prepayment options? If you win the lottery there are some mortgages out there mostly the rates that are the lowest. You have no prepayment options. You cannot pay down any principle at any point. There are certain lenders out there that make a lot of money on those programs. OK?
So, prepayment options are something to ask. Is it transferable? How is there penalty calculated? These are things you need to ask because they will be important to you when it comes time to buy a new home or to refinance.


Top Mortgage Broker In Vancouver – Top Mortgage Broker Burnaby – 778-233-2377 Contact Us Today! or visit website to get a Free Home Buyer’s Guide ebook worth – Mortgage Broker Vancouver Review.

Hi everyone, it’s Aleem for the mortgage and in today’s Mortgage Minutes I want to talk about Property Transfer Tax.

Although this tax has been around for a long time here in BC, there is still a lot of confusion around it. Many people are confused about what it actually is, why they have to pay it and in what cases they don’t have to pay it, and above all, how much they have to pay.

Let’s start with how much?

Well in BC, we use a simple rule of thumb depending on the value of the property: 1% of the first 0,000, (so ,000) and 2% of the balance.

So let’s say you are buying a 0,000 property, the property transfer tax would be ,000. So, in addition to your down payment, and appraisal and legal fees, you have to allot for an additional ,000 as part of your closing costs.

So when do you NOT have to pay for it? Well if you happen to be a first time home buyer and the property value is below a certain threshold, then you qualify for an exemption to the property transfer tax (PTT).
Even if you are a first time buyer and you purchase a home over 5,000 you will be required to pay all, or at minimum, a portion of Property Transfer Tax.

Basically, at any value above 425,000, you have to pay the Property Transfer Tax, but there is a sliding scale between 425,000 and 450,000.

If your home is over 5,000, you will be paying the full amount of Property Transfer Tax. If it costs between 425,000 and 450,000 then it gets even more confusing because it works like a sliding scale amount. Contact me for more details if this applies to you and we can set up a time and go over the details.
Simple rule of thumb, If you purchase a house under 5,000 and you are a first time home buyer, and you have never had your name on the title of a home anywhere across Canada, then you will not have to pay Property Transfer Tax this one time.

REMEMBER, this is to do with your primary residence only. Even if you are a first time home buyer, but you are buying a rental property, for whatever reason, you may be living at home still, or it might make more sense for you to rent, you HAVE TO pay the Property Transfer Tax on that rental property,
So you have to pay the property transfer tax if it’s your first purchase but it’s a rental. But don’t worry, when you go to buy your first owner occupied property, you are still eligible for the property transfer tax exemption.

As for the reason behind the Property Transfer Tax.well it was supposed to be temporary (like all taxes are introduced as) What it really is is a tax for exchanging title of a property, taking one name off and putting another on.a pretty easy source of additional revenue for the provincial government, albeit a little pricey in my opinion.

There has been talk of the 5,000 threshold for first time homebuyers being increased, and I tend to agree, especially in the lower mainland where 5,000 hardly gets you into a small condominium anymore.

If you or someone you know is buying with a friend or a spouse and one of you is a first time homebuyer and the other is not (I just came across a similar situation last week), and you’re wondering what you can do minimize your property transfer tax obligations, give me a call and we can go over some options.

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Related Videos Mortgage Broker Vancouver Bc Top Mortgage Brokers In Vancouver Mortgage Minutes Series – What is Property Transfer Tax (PTT) Vancouver Home Mortgage Minutes Series – How I Helped a Partner Save His Client’s Deal Private Mortgage Vancouver Minutes Series – What is a Subject

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Picturesque house in the North Qualicum area. 1723 sqft 3 bedroom 2bathroom home with office. Propane fireplace in living room. Home has new windows, new roof, fresh paint, low flow toilets and new decks. The perimeter foundation has been redone redone also new drainage tile around house. Great yard with fruit trees, workshop and greenhouse. Your own private creek running through your backyard. Close to the beach and 15 minutes from Qualicum Beach. Great home for the first time buyer.

Recently updated with new:
- foundation
- roof
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339 Horne Lake Road.
Vancouver Island, BC, Canada

Do you think it is impossible to find somewhere that combines affordable living, a nice detached single family home and a beautiful lot? Think again. Here is the cheapest, recently-inspected house in the Parksville / Qualicum Beach area on Vancouver Island. Your real estate search for cheap land for sale on Vancouver Island is over.

Where is Vancouver Island? Vancouver Island is situated on the south-west coast of British Columbia, Canada, and is the largest island on the west coast of Canada. Known for warm weather and an extremely high quality of life, Vancouver Island can be your new home soon. Raise your children, or retire, in a safe and friendly community on Vancouver Island.

This well-looked-after picturesque 1.5 story, 1723 square foot woodframe home with 3 bedrooms, 2 bathrooms, office, living room (with gas fireplace), family room and laundry area, can be yours.

This cheap home has lots of room for family and friends to visit you on your new property on Vancouver Island and features a big driveway with lots of room to park, a gorgeous back yard with fruit trees, a babbling creek, workshop, deck and greenhouse. The beautifully landscaped 7405 square foot lot backs onto a beautiful forested area; very private! Relax in your own private back yard and let the soothing creek that flows directly through your own land lull you into a sense of bliss.

Only a 1.5 kilometre walk to ocean, or a beautiful 15 minute drive to Qualicum Beach. Or take the South Vancouver Island train, that stops nearby, north to Courteney, or south to QualicumBeach, Parksvile, and Nainamo, or all the way to Victoria, BC. With the high price of gas and oil these days, why not save gas and leave your car at home?

This safe and friendly community has been seeing a lot of new development. Now is your chance to get in at a great low price and enjoy many of the great local attractions and activities. This is the perfect safe and stable area to spend your retirement years in some of the mildest weather in Canada. Or bring up your young family in your own cheap home on Vancouver Island, BC, Canada.

Qualicum Oceanside tourism encourages you to enjoy the sunny and sandy Qualicum Beach, Qualicum Beach Memorial Golf Course, Qualicum Beach Resort, Milner Gardens, Riverside Resort, Sea view Beach Resort, Qualicum Beach Cabins, Qualicum Beach Library, Englewood at Qualicum Beach, the Qualicum Beach Triathlon, and of course the world famous Horn Lake caves.

When it comes to homes for sale on central Vancouver Island, you will not find a better bargain in real estate on Vancouver Island. Get your new house on Vancouver Island, British Columbia, Canada, now. There is no better place to live!


Vancouver’s Most Unique Property

1501-1560 Homer Mews, Vancouver
World Class Erickson!

Erickson, Vancouver’s most prestigious address. Unique architecture and a stunning entrance greets you while you enter your private elevator. Over 2,060 sqft, 2 bed, 3 bath luxury home. Enjoy the amazing South Westerly views from your 260 sqft deck with a bi-folding door system to bring the outdoors in. The high-end finishings include dark hardwood flooring through the main area, & the kitchen boasts SieMatic cabinetry and millwork. The spacious and elegant masterbed offers a large spa-like ensuite with sculptured Lavasca tub, steam shower and a luxurious walk-in closet. Enjoy an indoor pool, Jacuzzi, 24 hour Concierge services and your own private 2.5 car garage & storage!

Karim Virani
Virani Real Estate Advisors