Showing posts with label corona virus. Show all posts
Showing posts with label corona virus. Show all posts

Thursday, 6 April 2023

These 7 Colors Will Be Everywhere in 2023

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- Click on "LEARN MORE" (located at the bottom of page) to visit full article! Are you interested in selling or buying your home in the next few months? Work with award winning Vancouver realtor, Carmen Leal and her team that specialize in Vancouver Real Estate and have qualified Buyers that are looking for a home in your area! 604.218.4846 & http://www.carmenleal.ca . . Google Business Reviews: https://g.co/kgs/uhdtiQ REW Recommendations: https://www.rew.ca/agents/12301/carmen-leal Facebook (Vancouver Realtor): https://www.facebook.com/carmenlealrealestate/ Instagram (Vancouver Realtor): https://www.instagram.com/carmenlealrealestate/ Twitter: https://twitter.com/CarmenLeal78 YouTube (Vancouver Realtor): http://www.youtube.com/c/CarmenLealVancouverRealtor LinkedIn: https://www.linkedin.com/in/carmenlealrealestate/ Blogs: https://carmenlealvancouverrealestate.blogspot.com/ #vancouverrealtor #westcoasthousing #vancouverrealestate #vancouverbc #carmenleal #realestatemarket #colors #design #homedesign #carmenlealrealestate #buy #sell #carmenrealestate





Carmen Leal and her team that specialize in Real Estate Vancouver and have qualified Buyers that are looking for a home in your area!   604.218.4846 & www.carmenleal.ca

 This communication is not intended to induce breach of existing listing agreement




Friday, 20 March 2020

Canada’s Six Big Banks Delay Mortgage Payments Due to COVID-19

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Here's the latest update on what the big banks of Canada are doing amid COVID-19 outbreak
In an unprecedented display of coordinated assistance, Canada’s six largest banks will begin offering customers more relief options in response to the COVID-19 pandemic. President and CEO of the Canadian Bankers Association Neil Parmenter tweeted links to coordinated press releases from Canada’s six big banks, announcing “a commitment to work with personal and small business banking customers on a case-by-case basis to provide flexible solutions to help them manage through challenges.” 

The Commitment

The coronavirus pandemic creates many challenges for Canadian homeowners that include not only battling the illness itself but also pay disruption and childcare disruption due to school closures. It’s an emergency that requires immediate action from financial institutions. 
In light of these challenges, Bank of Montreal, CIBC, National Bank of Canada, RBC, Scotiabank, and TD Bank are committing to offer financial assistance to customers facing challenges. Most notably, “This support will include up to a six-month payment deferral for mortgages, and the opportunity for relief on other credit products.” It’s a big move for Canada’s major financial institutions during uncertain times. 

Delayed Mortgage Payments Explained

While some lenders already give homeowners the option to press pause on their mortgage payments or personal loans in case of life emergencies, the latest announcement from Canada’s big banks gives even more options to Canadian borrowers. If you’re considering taking advantage of this offer, here’s what you need to know. 

1. When You’ll Owe 

Typically, deferred mortgage payments are tacked on to the end of your mortgage term, essentially postponing your payments for a later date. 

2. Get the Whole Picture

It’s important to speak to your bank about the long-term effects of deferred mortgage payments. In many cases, interest accrued during periods where you defer payments can be added to your principal. 
None of the big banks addressed in their joint press release whether payment deferrals would be interest free or not, so don’t make any assumptions. Ask if payment deferrals are interest free and see if you’re able to contribute a one-time lump sum payment at a point in the future when your financial situation returns to normal - this will help minimize any excess interest associated with deferring payments. 

3. When to Inquire

If you believe that COVID-19 or its effects could impact your ability to make a payment in the future, reach out to your bank now. It’s important you begin the process before you start missing payments to put yourself in a more manageable situation. 

Who Benefits

Offering the ability to delay mortgage payments is a huge announcement that will impact the Canadian economy as a whole during what many are calling a financial crisis. Here are a few of the population segments that financial institutions are helping get through this pandemic from an economic standpoint. 

Homeowners

Should homeowners need assistance during these extraordinary times, they’ll be able to contact their bank and defer mortgage payments. This is also true for customers who belong to some Credit Unions, including Vancity who announced they would also offer delayed mortgage payments. This gives more financial flexibility to those facing challenges resulting from the COVID-19 crisis, keeping them in their homes without fear of missing payments or foreclosure. 

Business Owners

Delayed mortgage payments give homeowners who also run businesses the opportunity to focus their efforts and resources on their businesses during these challenging times. Keeping businesses open and operating keeps the economy moving and workers employed. 

Workers

Workers in the tourism and hospitality industries will be some of the hardest hit by the economic impacts of the coronavirus, and delayed mortgage payments will help them adjust for any loss of work. 

What to Expect From the Banks 

While they may typically view each other as competitors, the six big banks in Canada are acting as a united front to provide financial relief to Canadians through measures such as offering delayed mortgage payments. More than that though, they’re also working together to help limit the spread of coronavirus. 
In accordance to the recommendations of Canada’s public health authorities, the big banks are committed to “taking new coordinated measures to support social distancing to control the spread of COVID-10.” Banks will be limiting operating hours and closing branches that don’t offer critical services. Special care will be given to branches in rural communities where options are limited, and while not all details have been made clear, dramatic moves are being made to limit in-person banking options while also establishing a “reserve” of healthy employees to take care of essential services. 
Bank of Montreal is temporarily closing roughly 15% of its branch network in Canada, while CIBC will do the same for over 20% of its network. The Canadian Bankers Association has stated that the banks will also be working together to limit hours, with CIBC reducing its weekday hours from 10:00 AM to 4:00 PM. 

What it Means For Canadians

Overall, the ability to delay mortgage payments for up to six months is one of many important economic announcements Canadians have seen as of late. COVID-19 was listed as the main reason for an emergency rate cut from the Bank of Canada on March 4, as concerns over a possible recession and low oil prices loom. 
Sellers should see more potential buyers enter Canada’s housing market due to low interest rates, homeowners can consider switching (if possible) into a lower fixed rate or delaying mortgage payments should they run into economic challenges, and despite a delay, changes to the mortgage stress test are coming which should allow first-time buyers to enter the market more easily. We’re expecting more announcements in the coming weeks from financial institutions, policy makers, and the Bank of Canada, subscribe to our newsletter and never miss an update.


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Are you interested in selling or buying your home in the next few months? Work with award winning realtor, Carmen Leal and her team that specialize in Real Estate Vancouver and have qualified Buyers that are looking for a home in your area!   604.218.4846 & www.carmenleal.ca


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      This communication is not intended to induce breach of existing listing agreement.


Monday, 16 March 2020

COVID-19: How to Keep Your Home Clean and Safe

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Taking steps to combat COVID-19 are habits for year-round health
COVID-19 or the Coronavirus is undoubtedly challenging to ignore. It is the topic of conversation with every social encounter, and it is the leading news story on all the stations. It is washing over our news feeds every few seconds. With all the hype and talk of the pandemic, now more than ever, stay calm and, well, clean.
We've heard the best defence against COVID-19 is hand washing. While that is true, there are other things you can be doing on the home front to battle this beast. Let's take a look at some of the top measures.
The spread of COVID-19 is primarily from invisible respiratory droplets that fly through the air when a sick person coughs or sneezes. Others inhale these droplets, and they land on surfaces. When a person touches the surface, they become infected when they feel their eyes, nose, or mouth.
It would only make sense to clean the surfaces in our home to ensure maximum defence against the virus. But, will your favourite go-to cleaner do the trick?


Bleach is the Bomb - But Use it Wisely

Studies show common household disinfectants, including soap or diluted bleach solutions, can deactivate coronaviruses on indoor surfaces.  
The Centre for Disease Control (CDC) recommends using a mixture of bleach and water to disinfect floors. They suggest 1 cup of bleach mixed with 5 gallons of water to mop your floors is the most effective. Although this is one way to go, be careful when using bleach to disinfect.
Studies have shown that bleach is highly irritating to mucous membranes. People exposed to bleach fumes are at risk of respiratory troubles, among other ailments. So, although it works, use it sparingly.

Vinegar Is Versatile - and Very Affordable

If you are looking for something a little less harsh - and very affordable, vinegar may be an option. It is an all-natural disinfectant that contains acetic acid. Choose plain old white distilled vinegar. And while you are at it, you can use a vinegar spray on your fruits and vegetables to help kill germs and wash away potential pesticides.
It’s perfect for doorknobs, mirrors, porcelain, and most surfaces.

Hydrogen Peroxide is Persistent

Hydrogen Peroxide is not just for treating cuts and scrapes. It can also be used as a general household cleaner too. Make sure you store it in a dark container away from sunlight as the light will destroy its beneficial properties. The CDC reports that 3% hydrogen peroxide was able to inactivate rhinovirus within eight minutes. When you pour the substance directly on surfaces like your sink, countertops or toilets, you'll need to let it soak for around 10-15 minutes to give it time to do its job completely. After you let it sit, scrub the area and then rinse with water. 
Don't forget about the germs on your toothbrush! You can use hydrogen peroxide to keep it fresh.

Tea Tree Oil is the Talk of the Town

Seriously. Ten years ago, people barely heard of essential oils. Now they are being used to treat a variety of ailments. Tea Tree Oil is versatile and can e used in a variety of situations. It is also known as Melaleuca Oil is one of the best natural alternatives to harsh cleaners. www.cdc.gov/disasters/bleach.html it's a great household cleaner when mixed with water. Because it's extremely concentrated, all you need is a few drops mixed with water to create an effective disinfectant. Mix it in a spray bottle and use on countertops, tile, door handles, sinks, toilets. It is even effective on soft surfaces. 

Bonus Tip: tea tree oil is excellent for making your own hand sanitizer, disinfecting areas where pets may have had an accident or where kids may have gotten sick. There is no end to where you can use this natural powerhouse. 

Disinfectant Wipes Are A Quick Defence

In a hurry? Use disinfectant wipes to go over surfaces quickly. Phones, doorknobs, sinks, cabinet handles, refrigerator doors, remote controls – the surfaces you touch most often in your home are a magnet for germs. Wipe down a couple of times a day. For the best results, let the surface air dry to kill any lingering bacteria or viruses. Tip: Don't have any wipes? Make your own by spraying a paper towel with a tea tree oil mixture.

Sprays are Spot on

For soft surfaces like sofas and carpets, a disinfectant spray will do the trick (most stores and pharmacies carry 70% alcohol spray). It would also work on mattresses, countertops or tables. A broad sweeping spray works best. Let dry before you walk, sit, or use the surface.

And remember, during these uncertain times, remain calm and clean.

Saturday, 14 March 2020

How to Coronavirus-Proof Your Home—and Your Life

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In just a few weeks, the new coronavirus has made serious inroads into American communities, even as its global death toll grows. It's time to do what we can to mitigate what the World Health Organization is now deeming a pandemic.

Many people are worried about what they should do as the situation develops. Should they hunker down at home—and is there anything they should do there to prepare?



Here are several things you can do to protect your home and your family from the virus—and to be ready if it crops up in your community.

Stock up on supplies

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Curbing your exposure to the coronavirus starts with limiting your exposure to people who might be carrying it. In other words, stay home! As you would with a severe weather event, it's suggested you stock up on enough food to last for a couple of weeks.
Pantry staples are easy to pick up and store, including cereal, crackers, pasta, rice, frozen veggies, and canned goods (beans, tuna). And don't forget toilet paper, as well as laundry and dish detergent.
Soups and Gatorade are worth adding to your cart, too, since staying hydrated will be important if anyone in the family falls sick. If you have a baby on board, also make sure you have enough formula and diapers on hand.

How to fight coronavirus germs at home

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While not much is yet known about how long COVID-19 can survive on surfaces, COVID-19 can be killed by most household cleaners, including bleach, alcohol, or even plain old soap and water. The reason: This coronavirus is surrounded by a lipid covering that soap can break down.
As a result, wiping down counters, doorknobs, faucets, cellphones, and other areas that often come in contact with people's hands can go a long way toward preventing the spread of germs and sickness in the home.
Viruses can persist on surfaces, so anything you can do to keep them clean is a help, including the use of bleach solutions and disinfecting wipes.
The same germ-prevention advice holds for your hands and mouth.
Alcohol in hand sanitizers helps, but washing your hands often, for at least 20 seconds, is better. Try not to touch your eyes, nose, or mouth with dirty hands, and always cover your mouth when you cough.
Last but not definitely least, make sure to wash your hands with soap and water frequently, for 20 seconds at a time. In fact, make a habit of washing your hands as soon as you walk in your front door.

Check your medicine cabinet

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If you take a certain medication daily, it's smart to make sure you have enough in your cabinet.
I don't think you'll need six months' worth, but an extra month or two is a hedge against potential supply-chain shortages. Pick up other medicine cabinet basics you might be missing, such as acetaminophen, ibuprofen, and bandages.
As for wearing face masks outside the house, that probably helps as much as covering your mouth when you cough. That is, if it turns out you're the sick one, you'll be reducing other people's exposure to a degree, but it won't do much for your own risk from others.
Unless the mask is capable of filtering viruses and tightly fitted to prevent inhaling air around it, it's not of much use, and it doesn't protect you if you rub your eyes, because it's not a full face shield.

Consider working remotely

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As fear of the effects of the coronavirus has spread, some businesses are urging employees to work from home, especially if their work involves travel to Europe or Asia. If you think you might need to work remotely in the coming weeks or months, take stock of your home office and be sure it has all you need. Order enough paper, ink, toner, and other work supplies, so you can be productive in case you need to work there.

Lie low if you're sick

Got a bug? Whether it's the seasonal flu or something worse, it's always best to stay home.

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Are you interested in selling or buying your home in the next few months? Work with award winning realtor, Carmen Leal and her team that specialize in Real Estate Vancouver and have qualified Buyers that are looking for a home in your area!   604.218.4846 & www.carmenleal.ca


 Top-Vancouver-Realtor-Carmen-Leal

      This communication is not intended to induce breach of existing listing agreement.