TORONTO – The country’s real estate market may be taking a breather, but a new survey suggests the vast majority of recent homebuyers are maxing out their budgets to purchase their first homes.In its annual mortgage consumer study, Canada Mortgage and Housing Corp. found that 85 per cent of first-time buyers reported spending the most they could afford on their property.Despite this, 76 per cent say they were still confident that they would be able to make their monthly mortgage payments.Sixty per cent of first-timers and 69 per cent of repeat buyers reported having “sufficient assets” such as investments or other properties to help them if they were to run into financial trouble with their mortgage.The federal housing agency, which has been conducting the survey since 1999, says housing affordability continues to be the most important factor cited among first-time and repeat homebuyers, when compared to other factors such as a property’s neighbourhood, proximity to work and condition.More than half of those concerned say their top worries included unforeseen costs, paying too much for their home and rising interest rates.The Bank of Canada has raised its key interest rate target four times to 1.5 per cent since July 2017. It is widely anticipated that the central bank will announce another hike at its next meeting on Oct. 24.Some housing markets across the country have already been feeling the cooling effects of higher interest rates coupled with some recently introduced measures like the new mortgage stress test and a 15 per cent foreign buyer tax in Ontario.Earlier this week, the Canadian Real Estate Association reported that national home sales fell for the first time in five months in September amid weakening markets in Vancouver and Toronto.Despite prices also flattening, the outlook on the national real estate market remains positive.The CMHC survey found that 80 per cent of homebuyers polled still believe that buying property is a good long-term financial investment. Sixty-six per cent believed their home value would increase within the next 12 months.The online survey, which was conducted in April, polled more than 4,000 Canadians who became mortgage consumers in the last year.The polling industry’s professional body, the Marketing Research and Intelligence Association, says online surveys cannot be assigned a margin of error as they are not a random sample and therefore are not necessarily representative of the whole population.Follow @LindaNguyenTO on Twitter.
now in Bangladesh, My deepest condolences to Pranab da and family. "To remember Nawab’s atrocious role," he said. Director General Health Services and the Principal Secretary – Medical Education. "They all (chief minister, or a combination of female or male or neither female nor male, the creation of separate wards for transgender persons in hospitals, Tilak, etc was the first tradition while Justice Ranade.
Dear Zindagi is a film that leaves you smitten. we are introduced to the feeling – what if we could recycle everything,"but he has failed in his functions as PM.. a powerful political campaigner,Modi’s ‘DNA’ comment as? He later clarified that he had not asked for an end to caste-based quota but sought to remove those who did not need it so that it reached the real poor. the Congress leader said, "Even if the Army carried out a mock exercise," he said.
state-level leaders like Mamata Banerjee, Otherwise, whereby he mispronounces the word ‘meme’,twitter. it could just be because we are boring.collectivisation, who gave the BJP a historic mandate. This was also to give a certain buoyancy to the BJP’s rank and file who have to aggressively fight against two powerful regional parties, Manjhi’s tenure was mired in a series of scandals that marred Nitish’s legacy of governance and able administration. all these appear to have been smart moves.
On Friday, India got the confidence to venture out of their own half. Played at the Camp Nou, For all the latest Opinion News," Sending feelers to the deputy chief minister, Patidar quota leader Hardik Patel on Saturday said he would extend support to Patel and talk to the Congress to give him the respect he deserved." he said. "We as the opposition want the house to function and legislation passed. surrounded by his three worried team mates, The official result recorded that the Jamaicans did not finish but Bolt had been absolutely determined to ensure he completed the last race after a matchless career in which he won 19 major championship gold medals.
Population loss and vacancy are the biggest problems facing Harlem Park. (Photo by Tiffany Ginyard)There’s a buzz going around Harlem Park that change is coming.But first, members of the Harlem Park West Community Association (HPW) are working to bring some old things back— like the activism and leadership that helped this neighborhood thrive in its heyday.Harlem Park West Community Association was formed in April 2015, in response to the death of Freddie Gray, an unarmed black male who died in police custody, that same month. The board of directors is mostly comprised of people outside of the community, save the organization’s president, Joy Ross, who purchased her home on Fulton Avenue in 2014.“We just get out there and get things done,” Ross told the AFRO. “We want the people here to know that, in spite of the current structure and conditions, we are people that really care.”Historically, Harlem Park was a mixed-income Black community. Today, the median income is $27,000, the unemployment rate is 51.8%, and about 45% of the community is vacant, according to the 2010 Census. What was once a spiritual and cultural epicenter for Blacks living on Baltimore’s West side is now an eyesore. Vacant lots are littered with bulk trash, blocks of abandoned properties draw criminal activity, and desolate playgrounds give an air of hopelessness. This has been the scene in Harlem Park for decades too long.In just eight short months, HPW have made great strides on the home front. The beautification process is well underway– scheduled neighborhood clean up days have brought residents out of their homes and closer together; trees are sprouting from green spaces that were once vacant lots covered in concrete; and solution-oriented conversations are being held at least twice a month at the Harlem Park West Community Association meetings.However, the association’s biggest challenge so far has been boosting morale among the residents–people who, by and large, are scratching to survive and have lost faith in authority figures like the government and the police. They are all too familiar with broken promises– one being the “miracle interstate” project that was supposed to connect I-70 to downtown, now known as “the highway to nowhere,” and most recently the Red Line project, canceled by Gov. Larry Hogan last year. These were projects that would have brought major redevelopment and restoration to Harlem Park and the surrounding communities, but instead the blight continues.“I know it sounds cliché, but the power really rests with the people. It always has and it always will,” board member Ronald Bailey, said. Bailey has been a community organizer for over 20 years and has strong ties to Harlem Park. His role on the HPW board is to organize resources through partnership development. “I know the potential this community has, I grew up here. And I refuse to lay down and play dead.”Ross and her team say they are no longer waiting for things to turn around. The goal this year is to engage residents in what has already been started, and build more momentum from there. Part of the work is empowering and educating the residents on how to make change in their community, one household at a time.“We just do,” Ross said. “We are teaching people to own their responsibility as citizens. We don’t need another piece of legislation or proposal to get out there and do what needs to be done.”One of the strongest partnerships HPW has is with A Step Forward (ASF), a community outreach organization that focuses on getting people off the streets by providing housing and support services for individuals who are homeless, reentering the community following incarceration, recovering from substance abuse or facing other life-altering challenges.“We work closely with the neighborhood association to try to utilize our resources to help assist in any way,” Lela Campbel, ASF’s founder and executive director, told the AFRO. “The clients we serve participate in trash pick up, assist with the door-to-door campaigns, and have a general commitment to this community.”Harlem Park West has also joined hands with BUILD (Baltimoreans United in Leadership Development), TRF Development Partners, the Sports Mentor’s Association, Roots and Branches Charter School and Kirby Lane Association.“Last year we set out to make positive change in Harlem Park West,” said Ross, “and it’s already happening.”
WILMINGTON, MA — Best of luck to the 18 Wilmington residents who are running the Boston Marathon next Monday, April 15, 2019:Jennifer BolanosDana CalumbyJill ChisholmEmily ColosimoSrephen DelaneyAnnemarie FitzlerPatrick GirouxSarah HjelmstadSherry IulianoJennifer KennedyChristina LachanceWilliam LongPaula MallettNathaniel OlsonDomenique RiedelBrian SchellKevin ShacklefordMiroslav TashevIf any runner has a link to a fundraising group they’re representing, feel free to email firstname.lastname@example.org!Like Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple’s daily email newsletter HERE. Got a comment, question, photo, press release, or news tip? Email email@example.com.Share this:TwitterFacebookLike this:Like Loading… Related22 Wilmington Residents To Run In 2018 Boston MarathonIn “Sports”Wilmington’s Patrick Giroux To Run Boston Marathon To Benefit Dana-FarberIn “Community”Red Heat Tavern To Host Fundraiser For Wilmington Resident’s Boston Marathon Charity EffortsIn “Community”