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BREB members receive an additional 10 per cent off their first advertisement in Resale Home magazine
BREB via Media Classified
Media Classified, operating as Resale Home magazine, is pleased to make the following offer to members of the Brampton Real Estate Board: Any and all members in good standing with the Brampton Real Estate Board will be entitled to an additional 10 per cent off their first advertisement in either the West or Central editions of the Resale Home magazine commencing Oct. 25th, 2014 for the Central edition and Nov. 8, 2014 for the West edition. For advertising enquiries please contact Resale Homes directly at (416) 993-5409.
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Sign up for the FINTRAC Update Course for Brokers of Record and Registrants
BREB
Seminar Highlights:
- NEW anti-money laundering regulations PCMLTFA that took affect Feb. 1, 2014
- NEW FINTRAC Guidelines that outline the practical implications of regulations changes
- New Compliance REGIME CREA publication
- What are the audits exposing?

BREB is hosting a FINTRAC update course on Sept. 25, 2014 from 9:30 a.m. – 12:30 p.m. To register, please contact Uma in our Education Department education@breb.org or 905-791-9913 ext. 229.

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RECO's insurance suspension process: Information for your members
RECO
Every July and August, real estate professionals across Ontario must make a payment to renew their insurance coverage for the year. As a result, local real estate boards and associations may get questions about RECO's insurance program. Here is some basic information that you can pass on to your members.
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SPONSORED CONTENT


Discontinuation of the BREB Member Studio-8 Sign Post Installation Program
BREB
Dear Valued BREB Members & Clients,
We are very pleased to announce that Brooks Brothers Installations has acquired the sign post installation portion of our business. This is effective immediately as of Sept. 9, 2014. As such, the BREB Member sign post installation program has been discontinued at this time. We are grateful to you for not only for giving us the opportunity to provide you with sign installation services, but for your loyalty and friendship. Our home staging services remain in tact and I look forward to continuing to work with you for all of your staging needs. –Deb & the Studio-8 Team, Proud BREB Sponsors

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BREB presents 'You be the Judge — Registrant Lessons to be Learned ' on Sept. 25, 2014, 1:30-4:30
BREB
Can salespeople and brokers really understand the value of learning a lesson from those lessons learned by others? …YES Absolutely! This session is loaded with cases synopsized to review (legal, professional standards, discipline and arbitration cases). In a short window of time, this session will take participants down a road of understanding messages from the courts, from RECO, the Registrar and from the real estate industry in general. Clearly CAUTION is the messages that surfaces, after reviewing numerous cases and decisions. To register, please contact Uma in our Education Department education@breb.org or 905-791-9913 ext. 229.
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PRODUCT SHOWCASE
  MorCan Financial Inc.

Free Online Mortgage Approvals

For mature, professional mortgage advice contact Joe Taibi

905-850-8100 / 1877-732-2801 / 416-566-0666
 


ANNOUNCING: Goodlife Fitness, BREB's Newest Member Discount Program
BREB
BREB is pleased to announce the launch of our newest BREB Member Discount Program with Goodlife Fitness Clubs. We have worked out a deal for $450+HST for the year. All fees must be paid upfront. In order to fully launch the program we will need at least 10 participants. The program will launch on Oct. 1, 2014, however those who wish to participate will need to have their signed forms and payment in to BREB by Sept. 17, 2014 to ensure the viability of the program. The program will run from Oct. 1, 2014 until Sept. 30, 2015. Please complete the Goodlife Discount Sign Up Sheet. The program can be extended to your significant others and dependants, however in order for them to qualify for the program you must join as well. For those who are currently members of a Goodlife Fitness Program and who pay monthly, we can add you into the program and your September payment will be your last monthly payment. If you have any questions about the Program, please do not hesitate to contact the board office at 905-791-9913.
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Propertyline™ Enhancements
BREB
The following list of enhancements for the Public Records application has been implemented. Click READ MORE to view details.
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Disability Protection Plan for real estate brokers and agents
BREB
PERSONAL BENEFITS WHEN INJURED
Start immediately or 30 day wait
No medical questions for injury coverage!
Individual rates fixed at time of issue
Coverage to age 70 or 5 years

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Some places benefit from a seedy past
Toronto Sun
I had a real estate "first" recently; in itself having a "first" was pretty amazing because I have been buying, selling and renovating properties for so long now that it sometimes feels like I have seen or heard it all before — but apparently not. I was contacted by a European company who had a client interested in buying a "stigmatized" property.
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  FEATURED COMPANIES
Making First Impressions Count

Our newly designed reflective posts have been unleashed into your neighborhood, keep a eye out for them.
MORE
Agents Equity
This unique Internet service lets you receive advance payment of your real estate sales commission before closing for immediate access to the money you've earned. MORE


Bank of Montreal slashes mortgage rate below 3 per cent threshold
CTV News
The Bank of Montreal has slashed its five-year fixed mortgage rate to 2.99 per cent in a move that some real estate experts say will soon force the other major banks to follow suit. "Usually when one leads, the others follow," Debbie Thomas, a partner at brokerage The Mortgage Group, said.
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Neighbourhoods where home prices have gained most in Canada's major cities
The Globe and Mail
Brookfield RPS pored through its data for some of Canada's major centres for The Globe and Mail and determined which areas (it breaks them down by the first three digits of their postal code) have had the strongest price appreciation over the last five years.
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TRENDING ARTICLE
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Why the boomers may not leave home as fast as we think
Financial Post
It's certainly a nice thought: the older generation making room for the echo generation that is entering the family building years. But perhaps it's just that: a thought. Demographics, human nature and common sense suggest there won't be a wave of downsizing so much as a series of ripples and there hasn't been a lot of movement yet.

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Save the date and plan to attend the BREB Expo 2014
BREB
This is a FREE event that is open for ALL real estate professionals to attend on Thursday Oct. 9, 2014 from 9 a.m. to 5 p.m., at the Embassy Grand Convention Centre: 8800 The Gore Road Brampton, ON L6P 2R9. A complimentary lunch will be provided.

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WEBForms® — CREA's most popular member product just got better
BREB via CREA
CREA is set to introduce Document and Transaction Management to its suite of WEBForms® services. These add-on services will provide members with additional flexibility when working with past and present transaction kits.

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Just because you can get a big mortgage doesn't mean you should
The Huffington Post
Since higher house prices mean larger mortgages, how can we determine just how much mortgage is too much of a risk? The "cash flow" answer is that if you can't afford the monthly mortgage payment (and property taxes, and repairs and maintenance) your mortgage is too big. The "equity" answer is that if you have less than 10 per cent equity in your house, you are at higher risk of financial problems.
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Here's why mortgage credit growth in Canada has been slowing
Business In Canada
The latest reading from Statistics Canada shows that Canadian household indebtedness increased in the second quarter, with the ratio of household credit market debt to disposable income rising from 163.1 to 163.6 per cent. This increase was primarily attributable to weak income gains over the course of the quarter, as mortgage debt grew at its slowest annual clip since Q3 2001.
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Missed last week's issue? See which articles your colleagues read most.

   
 



Real Estate Outlook

Frank Humada, MultiView, Director of Publishing, 289.695.5422
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Oliver Kirby, MultiView, Content Editor, 289.695.5401   
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