It started on Friday night. Drip… drip… drip.
You were sleeping, but woke up to the neighbour’s dog barking. Then you heard it – the downstairs kitchen faucet dripping like a Swiss regulated clock. The torture continued all night, even after you reefed on the tap.
The next morning your wife suggested a plumber. It seemed like a simple leak, so you opted to give it a shot yourself. Why don’t you ever listen to her?
Around 11:00 you called a Vancouver plumber. By this time, half the pipes beneath the sink were removed and the faucet was the least of your problems.
The plumber arrived the following day and presented the bad news.
It was going to cost you more than a cheap car. Apparently the pipes needed replacing. Ouch.
Home ownership is a costly business that never seems to run smoothly. For those times when you need extra cash, use your home as equity to borrow the money you need. Alpine Credits can help you secure a Vancouver credit loan that will keep the drips at bay. Call us today for a free consultation.
Q: What do rhinos and lawyers have in common?
A: Both are thick skinned and ready to charge whatever they like.
For some, this is a joke that provides a gut-filled laugh. For others, it is a cruel reminder of the ballooning costs of a personal legal battle.
Divorce proceedings, civil action suits, mediated resolutions, these are the lawyer’s trade and the common man’s nightmare.
Paying for the services of a barrister can be taxing, especially if the proceedings are drawn out. To survive the financial blood letting, many participants look to borrow capital in order to pay for their immediate legal work. Alpine Credits is one of the lending organizations that can help pay for court related costs. With a home equity loan, clients are given immediate access to funds that allow them to proceed with their legal engagements. This extra capital allows them to survive stand-offs where they might otherwise have drowned in legal fees.
If you are struggling to retain the service of a lawyer, call us to obtain a home equity loan. We wish you the best in your proceedings.
Like the never-ending bucket brigade in the Sorcerer’s Apprentice, the Vancouver skies can dump rain for eight months of the year.
Protecting our homes from leaks is a priority for every Vancouver homeowner.
If your roof is starting to show its wear, a Vancouver roof repair could save you the cost of purchasing a full roofing package. Most Vancouver roofing companies offer service and support seven days a week. With close to two weeks of sun predicted over the coming weeks, now is the time to spend money on either a quality roof repair or a brand new tile, asphalt, cedar or slate roof.
In a city known for its rain, a dependable roof is a wise investment. Paying for quality workmanship and product costs a small fortune. Alpine Credits, Vancouver’s leading home equity loan company, can help pay for the project.
Alpine Credits specializes in assisting Vancouverites with the unexpected. In less than a day, customers can be approved for a Vancouver credit loan. Using the home they wish to improve as equity, borrowers can increase the value of their investment while making their home more environmentally secure. A win-win situation for keeping the family dry.
With the Occupy movement fading, the question is being asked; ‘Did the protestors really accomplish anything?’ They held a public park for over a month. They marched around downtown a few times. They started an ‘average’ drum circle. But did they enlist change? Not really.
Change is personal and requires dedication. Like Gandhi once said: “We must be the change we want to see in this world.”
A Vancover loan can finance a person’s dream. It can help pay off creditors that have been restricting the potential earning power of an individual. It can also take a regular home and make it a residence to be proud of.
Change doesn’t always need a protest. Sometimes it just needs a financial push to get rolling.
Young families need to save every dollar in these cash-stretched times. When it comes time to invest in a home, using a Vancouver mortgage broker can help secure the lowest term possible. This means more money for sports teams, family vacations and healthy living expenditures.
When unexpected turns in life require more capital, young homeowners can use the home equity they have secured from paying into their initial mortgage. That home equity allows them to apply for a second mortgage.
Unfortunately, ‘traditional’ Vancouver mortgage brokers might find it hard to find a bank willing to grant a second mortgage. Lack of employment or a poor credit rating can stop the process before it starts to move. Mortgage brokers hired by individuals with struggling debt issues, often return to their clients empty-handed, unable to offer them a package that provides the requested capital.
At Alpine Credits, the only condition required is partial payment of the original mortgage. Employment, bad credit, age – none of these issues matter. Approved the very next day, families can have immediate access to the funds they require. Less wait means increased efficiency. Increased efficiency means dollars saved.
In less than a week, the BC Lions will be playing for the Grey Cup trophy under the newly renovated roof of B.C. Place.
Leading up to the big game, the city is planning three days of downtown festivities. On Friday, the street party begins, with seven acts spread out over the course of the day. Don’t miss Guilty about Girls at 6:00 and the West Coast hip-hopper, Kyprios at 8:30. The Telus stage is located at Robson and Beatty.
Saturday begins with the Grey Cup parade at 10:00. Other activities include the Fire Fighters BBQ and the Vancouver Convention Centre Stage. Highlights for the day include The Odds at 7:30 and Said the Whale at 9:30, back at the street party.
Sunday, only in Canada, a tailgate ‘brunch’ will be held at the Vancouver Convention Centre. The gates for the stadium will open at 1:30, with the kick-off going at 3:30. If you can’t make it down, catch the Grey Cup on CBC.
Enjoy the party, the confidence and the new building. This is our year to raise the roof.
A recent satisfied client emailed us this week to tell us about the unique way he spent his Vancouver credit loan. He received the money in early August, a day after he applied for his loan. He used a portion of the money to pay for a new roof and the rest went to a backyard development project for his son.
‘What sort of development you ask?’ The client used his capital to build an outdoor dirt track for his son to indulge his mountain biking passion. The father saw the boy’s talent blossoming and wanted to offer him the opportunity to take his skills from raw desire to refined conditioning.
Father and son spent all of August hauling dirt, building kickers and testing a small, but very usable dirt track. At the end of the month they had a semi-professional track built on their three-acre property.
With the remaining Vancouver credit loan funds, the father started paying for a weekly, two-hour, private coaching session with the town pro. He also bought his son the best protective equipment money could afford; starting with leg armour from Iron Mountainwear. Passion can take you to the top, but protective gear will keep you there.
Our client promises to update us on his son’s progress. We will be sure to pass on whatever news he sends us.
Paid Protection: Leg Armour for the Aerially Ambitious
Is the only quality time you have with your partner between the hours of 10pm and 6am? When is the last time you enjoyed a nice glass of wine and a conversation that didn’t involve teething, diapers, baby talk or Caillou?
You need a vacation! And not a family vacation. God love them, but you need some time to unwind; just you, your partner, sand and a cold drink.
Alpine Credits suggests taking a quick vacation to the island of Kauai. Forget Oahu – too touristy. You’re looking for away time. Go with the oldest Hawaiian island: Kauai.
Kauai offers everything needed for a parental break. There are six major resorts, 50 miles of beach and a number of quaint towns for shopping and exploring. Landmarks not to miss are the Waimea Canyon and the Wailua River. There are ten golf courses spaced out over the island. The signature hole at Princeville is worth the flight and then some.
Just want to relax? Try the famous Lomi Lomi massage. It will remove all the ankle bites and daycare stress. Guaranteed.
And don’t worry about the kids, your mother would love to have them over for the week. They might return a little spoiled, but your mom won’t bother you for months afterwards.
A Vancouver credit loan will get you there and back, with all the add-ons, accommodation and food costs covered. Indulge this winter. Take a break. Fly away and return refreshed and ready for the next onslaught of dirty diapers and sleepless nights.
You’ve decided to renovate your kitchen over the winter. You applied for a Vancouver second mortgage and received it the same day. You have the money, the basic skills, the time and the desire to create the perfect cooking stage. Well, perfect for you and your family.
So where do you start? With the gutting.
Before you start ripping out everything, take a few days to consider which current structural elements could be applied to your new design. Starting from scratch is time consuming, costly and can add unneeded challenges.
Someone has already gone to the trouble of measuring, cutting and creating the bone structure of your kitchen. Don’t reinvent the wheel. There is always the possibility your calculations could come out a fraction off.
Trust us. The new countertop will look great on the existing frame.
Good luck.
Send us a photo of the final result and we’ll publish it on our blog, along with a short write-up about your renovation project.
A Calgary Second Mortgage from Alpine Credits can pay for all the little things (and the big ones) needed to get your small business idea up and running. But then what? You may have a great idea, location and or service, but if the public is unaware of what you offer, your chances of financial success are next to nil.
To get your Calgary business in front of the public gaze, consider teaming up with Groupon. Groupon, for those not in the know, is a daily coupon club, that offers a deal-of-the-day to all it’s subscribers. Membership is free and all subscribers receive a daily email offering a single deal for a business in their area. Subscribers can then purchase a discounted service or product and claim it using a printout or a digital smartphone receipt.
It provides the proprietor with an opportunity to spark interest during low periods of sales. It also allows businesses to move a large amount of inventory.
Businesses can set a minimum number of transactions to make the coupon worthwhile. If not enough subscribers buy the coupon, the deal is void and the purchases are refunded.
The Groupon organization is gaining momentum around the world as the list of private companies interested in offering prepaid deals increases. Groupon also went public last week, with shares rising more than 50% on the first day of trading. This is the hot deal of the moment. If you haven’t applied for this service, do it now.
*Groupon does not offer its services to shooting ranges, abortion clinics and strip clubs. No discount lap-dances.
“Fun is like life insurance; the older you get, the more it costs.” – Kin Hubbard
Vancouver is full of start-up adventure businesses looking to take advantage of British Columbia’s natural playground. From zip-lines, to rafting, to dog sledding, adventure tourism is booming in our Province.
Sometimes, all the business requires is a road to the site, a land tenure and basic recreational equipment. The start-up costs are low and the running costs, even lower. So where does it get expensive? The insurance!
Most government agencies require a business to obtain liability insurance before licensing. This insurance can be extremely expensive for new and underdeveloped adventure industries.
Paying the large premiums necessary to run an outdoor business can sometimes sink a new company.
For more detailed information on insurance, contact the Canadian Tourism Commission. “Risk Management and Insurance Guide for the Adventure, Ecotourism and Alpine Skiing Industries” is an excellent resource to request
The Oilers are riding a six-game winning streak, the Eskimos are on top of the Western Conference standings and oil is still in demand all over the world. It’s good to be from Edmonton…
But sometimes you need a break from the cold. That’s why there is Mexico.
A time-share condo on the beach would be the perfect cure for November’s blues, December’s chills, January’s hangover and February’s cold heart. The whole family could soak up the Vitamin D and return to wild rose country with the vigor of Nugent-Hopkins and the wisdom of Ricky Ray.
An Edmonton second mortgage from Alpine credits can help you afford that destination property. Consider it a health investment; three or four weeks of the year in paradise and then back to the job. It’s the only way to live.
Find out how your current home can help you pay for your yearly escape. Talk to a dedicated lending advisor to learn more about Edmonton second mortgages.
An example of a smart decision: applying for a credit loan for the purpose of debt consolidation. With a loan from Alpine Credits, you could pay off all your individual creditors and lower your interest rate. Instead of more than a handful of bills each month, you would receive one. Smart!
An example of a poor decision: painting your skin black to go as Jay-Z to a costume party.
Raffi Torres, formerly of the Vancouver Canucks and now playing with the Phoenix Coyotes, chose the second option. Torres and his girlfriend painted their skin (which is normally white) black to resemble the skin tone of Jay-Z and his wife Beyonce. They showed off their costumes at a party atteneded by a number of Coyote players.
Unfortunately for Torres, Paul Bissonnette who also plays for the Phoenix Coyotes, was one of those players.
Bissonnette has a massive following on Twitter for his account @BizNasty2point0. During the party, Bissonnette snapped a picture of the couple and uploaded it on his Twitter using the Twitpic application. Thousands of hockey and sports fans were lead to a photo that showed Torres and his girlfriend in make-up that (questionably) resembled the ‘blackface’ worn in the early American minstrel shows.
It is logical to believe that Torres was not intending to be racist, but in modern society there are somethings you never do. One of those is wear blackface. The oppressive humour that was originally attached to the practice of wearing blackface, will always connect the act to racist undertones.
In short, Torres should have known better. Especially being a public figure that younger players and fans look up to.
Using your credit loan for home renovations is an excellent way to improve the value of your home. The capital you receive from Alpine Credits can increase your profit when you decide to sell. In the meantime, you get to enjoy the fruits of your labour as you relax in a modernized, aesthetically pleasing residence.
Always consider the local market before you start spending thousands on renos. A Gulf Island cottage should receive completely different fixtures, than a West End apartment.
Decide on what areas need work and order them in a list according to importance.
Start small and grade your ability to stay on budget. If you find your own work is becoming costly due to mistakes, consider hiring a professional.
If you do hire a tradesman, make sure you compare at least three quotes before handing over the job.
Check government websites for environmental tax breaks. These can save you hundreds of dollars come tax time.
To take your small business to the next level, you needed to expand and build a second location. The move was a big one, but you had done the research and were confident that the only way to grow was with a new site. When the time was right, you had collected 85% of the required capital for start-up. All that was remaining was the 15%.
You considered returning to the bank you received your original business mortgage from, but then a friend told you about Alpine Credits and their no hassle home equity loans. Both seemed like feasible options. To solve the dilemma of competing creditors, your partner suggested a comparison shop:
The Bank:
Arrived at 5:30 on a Friday. Stood in line for twenty minutes, before being told the bank was closing at 6:00. Came back the next day at 11:00. Stood in line for another fifteen minutes before talking to a financial representative.
Alpine Credits:
Called 1-800-NEW-LOAN on Friday after coming back from the bank. Talked to Melinda for roughly ten minutes.
The Bank:
The Bank produced an application thicker than a TV Guide. They also informed you they would need to review your credit history.
Alpine Credits:
Melinda asked for four pieces of information: the amount you needed, the estimated property value of your home, the assessed property value of your home and the value of your mortgage. You could provide her with all four.
The Bank:
You were informed that your status would be made available to you the following Thursday.
Alpine Credits:
Called you the next day and informed your of your approval status.
The Bank:
Called you the following Thursday and said they were sorry, but due to a previous credit issue, they would not be able to loan you the necessary amount.
With Movember only weeks away, Alpine Credits would like to cast a pointed finger at some of the finest moustaches in the game of hockey.
5. Paul MacLean
At number five is Ottawa’s new head coach and former NHL player, Paul MacLean. Being that this is MacLean’s first year behind the bench, you’d think he would want his players to take him seriously. But with that beaver he wears above his lip, it’s a wonder the Ottawa locker room doesn’t have a looping laugh track.
Paul MacLean
4. George Parros
Parros is our fourth pic. We could go on for days about Anaheim’s finest soup-strainer, but we’ve seen George fight – so I think we’ve probably said enough already.
George Parros
3. Harold Snepsts
For a little local flavour, we give the third spot to the Canuck fan-favourite, Harold Snepsts. Snepsts was one of the most impressive defenders in Canuck history, but mention his name and your first thought goes directly to his lady tickler.
Harold Snepsts
2. Sidney Crosby
At second place we have Sidney Crosby; you got give the kid credit for trying. A man among boys on the ice, Sid’s face is still going through the pains of puberty. His panty-thin playoff stache gives hipsters cause to heckle.
Sidney Crosby
1. Lanny MacDonald
Our top position goes to the ‘flaming walrus’ (we just made that nickname up) Lanny MacDonald. How could you not give it to Lanny? That stache was epic. It is what all staches aspire to be.
When the wet cold of the west coast becomes too much to bare, it’s time to fly away to somewhere warm, preferably where they serve tall drinks with fruit on the edges. A credit loan from Alpine Credits can have you in a tropical country in a matter of weeks.
An all-inclusive vacation can be the perfect answer for a stress-free week abroad, but if the beach and swim-up bar service are not what you are looking for, you may need to acquire a few financial saving tips before you pack your bag.
-Spend the time online looking at accommodations in the area you wish to visit. Compare prices, check reviews and if you can, book ahead. It’s also beneficial to read up on reasonably priced restaurants. Food can be one of your biggest expenditures, next to your hotels. Knowing where there are affordable restaurants can save you time and money.
2. Buy a Travel Notebook (And Use It!!!)
-Write down the relevant research you collect before you leave. Then use your notebook to track your expenditures while you travel. Spend at least 10 minutes at the end of each day writing down what you spent your cash on. Review this list to see if you can save any money during the following days.
3. Rationally Consider Your Day Trip Options
-You don’t have to hit every tourist point in the guidebook. Choose one a day that you think would be really interesting. This will allow you time to enjoy the places you visit without feeling rushed. You’re on vacation don’t forget!
4. Talk to the Locals
-Locals are great for knowing where to cut costs. They’ve taken the tour and showed a dozen visiting family members the sights. Just make sure the cost cutting measures they suggest aren’t lining their own pockets.
Enjoy the Local Hospitality
Bonus Suggestion: Consider traveling with a group of similarly budgeted friends. This can lower your costs on car rentals and possibly accommodation. Just make sure they are in the same tax bracket. There is nothing worse than traveling with someone who is the exact opposite in terms of budgeting.
There are two things that Swedes do really, really, well. One of them is creating bubbly bubblegum pop music; the other is producing world-class hockey players. Living in Vancouver, the latter point might seem like a redundant statement. Almost every Swedish player who comes through the Canuck organization becomes a star in this town.
With both Markus Naslund and Henrik Sedin calling Sweden home, Vancouver hockey fans have been idolizing Scandinavian hockey giants for over a decade. But hiding in the shadows, amongst this teams greatest Nordic competitors, is Alexander Edler.
Like most Swedes in the league, Edler is a soft-spoken man off the ice. Where he veers from the normal Swede cutout is his ability to lay devastating body checks. With a threatening boom and a gifted offensive touch, Edler is making an impact on the Canucks blueline night after night.
Some fans and professional prognosticators are even comparing the young d-man to one of the greatest defenders to play the game, Nicklas Lidstrom. Sure they are both Swedes, so the comparison is to be expected, but even mentioning Edler’s name alongside Lidstrom’s is an honour.
Lidstrom has won the James Norris Trophy, for the top all-round defenseman, seven times. If Edler continues to improve his defensive abilities, he could, knock on wood, be looking at a Norris nomination in two-to-three years. Let’s hope he stays healthy.
Gå Sverige!
#23 Alexander Edler
Playoff Fact: Alexander Edler played with two broken fingers in the final game of the Boston 2011 playoff series.
When Fox News thinks you crossed the line, you know you’re in trouble.
Hank Williams Jr. did just that on Monday, while appearing on “Fox and Friends,” a political talk show, where celebrity guests share their opinions on America’s political climate.
Being overly candid, Williams, in a massive error in judgement, compared current President Barak Obama to Adolf Hitler. Williams used the comparison while discussing Obama’s summer golf game with the House of Representatives Speaker, John Boehner. Williams claimed that the pairing “would be like Hitler playing golf with (Israeli Prime Minister Benjamin) Netanyahu.”
The Fox News’ anchors were quick to separate their own views from that of Williams.
ESPN, who uses Williams song “All My Rowdy Friends” to open their Monday Night Football Broadcasts, quickly announced that they would not be using the artist’s music to open their October 3rd broadcast. “We are extremely disappointed with his comments,” an ESPN statement read, “and as a result we have decided to pull the open from tonight’s telecast.”
The station also distanced themselves from Williams, claiming that he is not a paid employee of their station.
After only three and half months of rest, the boys are back on the ice for another season of Canucks hockey.
The Canucks’ line-up is basically the same as the 2011 playoffs, with a few new additions and the loss of Raffi Torres, Christian Ehrhoff and Tanner Glass.
One of the additions was made on Tuesday, as the Canucks acquired Dale Weise from the New York Rangers. In order to make room for Weise on their permanent roster, the Canucks placed the underachieving Victor Oreskovich on waivers.
Oreskovich’s only highlight of the preseason was a late hit on star rookie Ryan Nugent-Hopkins, during Saturday’s final preseason game against Edmonton.
The players will also sport a small square with the late Rick Rypien’s jersey number on their helmets. Rypien succumbed to depression this summer, taking his own life in his Albertan home.
Prognosticators believe the Canucks will need at least a month of regular season action to get back to the superb level of hockey they were playing in the late stages of the 2010-2011 season.
The regular season begins on Thursday, with the Canucks hosting the Pittsburgh Penguins (minus ‘Sid the Kid’).
Luongo Will Need To Preform Like an Elite Goaltender
The new B.C. Place stadium, with its retractable roof, opened last Friday to mixed results. The Lions won, the roof stayed open, the field looked amazing, the JumboTron was breathtaking, but the concessions were atrocious.
With a $563-million-dollar overhaul, you would think some of the money would have been spent upgrading the vendors; the only visible improvement to the concessions was the addition of flat-screen televisions.
There were no new menu items or bar-like areas for casual drinking. The staff members working on Friday night were grossly unprepared for the crowds. The upper level vendors ran out of beer, snacks and ice before the end of the first quarter. And the lines were staggering, with many patrons waiting a whole quarter, just to be told the item they wanted was sold-out.
Unfed and thirsty fans left the stadium with only a bitter taste in their mouths.
The lesson: before you go improving the exterior, make sure you cover the basic needs, like feeding your cliental.
Fortunately, these are issues that the stadium can improve on without closing their doors. They will have to, if they want to keep both their soccer and their football fans happy.
If your financing comes up short, consider a business loan from Alpine Credits. With valuable home equity on your side, you can borrow the money you need at the moment you need it.
With a bit of an off-season lockout scare, the NFL is back. Regular season play starts on Thursday with New Orleans taking on Green Bay. But there are still questions surrounding the most profitable professional sports league.
The leading question: Will Peyton play? Without him, the colts are a juiced-up offense without a head. Like the chikcen, they may be able to run around the yard for a few games, but ultimately they will succumb to their condition and keel over in the dust.
Follow up questions: Will the Chargers be able to retain their offensive and defensive superiority? On offense, the Chargers seem to be leading towards a double threat with the running game. Head coach Norv Turner claims that carries will be divided between Ryan Mathews and Mike Tolbert. Look for outside linebacker Shaun Phillips to shine in the AFC West.
Final question: Will the new kickoff rule destroy the runback, one of the most exciting plays in the game. The preseason has seen a fifty per cent increase in touchbacks. Boring…
No matter. It’s still the greatest television sport in the world.
Banks are fickle creatures. Sometimes they are supportive lenders, while other times they refuse even the smallest of loans. Having alternative options is essential.
In Kelowna, residents can contact Kelowna second mortgage brokers for guaranteed credit loans based on home equity. The value of your current home and your existing mortgage will determine how much you can borrow.
Use this cash from your Kelowna mortgage credit loan to improve your house, pay for your child’s education, plan a wedding or improve your business. The capital is yours to do with as you please.
Pay back the loan over time or all at once, after your investments pay-off.
Unlike the banks, the application process is quick and painless. You will also receive a notification of your status within 24 hours.
Your age and income are irrelevant. As long as you own a home you will not be turned down.
Another tragedy for the NHL last week, as Wade Belak took his own life in a Toronto apartment complex. This is the third unnatural death of a NHL player this summer. All three of the players that died were enforcers.
Belak had retired from playing at the professional level this spring. He had spent 15 seasons in the NHL and was intending to take up a new position as a TV analyst for the Nashville Predators, his final team in the NHL.
He had also been named as a cast member for CBC’s “Battle of the Blades.”
Like Rick Rypien and Derek Boogaard, the two other players who were lost this summer, Belak’s future looked promising. But somehow the pressure was too much for the once feared enforcer.
All three of the men who died were considered fighters on the ice, but were loved off the ice amongst their teammates. “He was always upbeat,” commented Nashville’s GM David Polie. “Everybody knew when Wade Belak was in the room because he was big, he was loud and he was fun.”
Belak was only 35 years old. He leaves a wife and two children behind.
The terms of Michael Vick’s new contract with the Philadelphia Eagles was announced this week. Vick will be paid $100 million for six years of football. Of that 100 million, 40 is guaranteed.
Begin rant now:
$100 MILLION!!!
The man is a convicted felon. He bred dogs to kill each other and built an arena, IN HIS HOME, for them to battle to the death. He was tried, convicted and spent 18 months in jail. That’s more than a year behind bars. Since then, he has only played two seasons with Philly – and now they want to give him a $100 million!
Wow.
First of all, the question should be asked: ‘Is any athlete worth that much?’ Really?
Secondly, what kind of message is this sending to the public? ‘You can do really bad things, but if you run and pass a pigskin like nobody’s business, all will be forgotten.’
Thirdly, a $100 million dollars from a city with some of the worst poverty levels in the United States. This is the same city that has imposed a curfew on youths less than 18 years of age. The city has actually threatened parents who let their teens out past midnight, after flash mobs were organized through social networking sites. Couldn’t that massive sum of money be spent on creating programs to curb the violent tendencies seen in the city’s younger generation? How many gyms could be opened with that money? How many afterschool programs could be funded? We will never know.
No, instead we get to watch a talented, but morally vacant young man run around every Sunday for the next six years.
One of the best things about living in Kelowna is that summer continues for those few extra months. Okanagan Lake is still warm, there is still fruit on the trees and the kids are back in school. It is the perfect time of year to extend your deck.
Summer has been busy with camping trips, baseball tournaments and the Center of Gravity Festival (wasn’t that an awesome weekend?!?!). Now you can lend your attention to improving your home.
If you start your project now, you still have at least month of entertaining before the winter season.
Add a hot tub, install a gas line for your barbeque, re-stain your existing wood or start from scratch. A second mortgage can pay for any improvement you would like to make to your home or backyard.
The Chicago Blackhawks may have Vince Vaughn, but the Vancouver Canucks have Miss USA. She may not have sat at ice level during the playoffs, but Alyssa Campanella was cheering for Johnny Canuck with the passion of a Green Man from her home, south of the border.
It all started last October, when Campanella’s boyfriend, actor Torrance Coombs, took her to Rogers Arena to watch the Canucks take on the Colorado Avalanche. The game went to overtime and 28 seconds in, Mason Raymond scored to end the game with a 4-3 win.
Since that fateful night, Campanella has been hooked with the sport of hockey and specifically the brand played by the boys in blue and green.
“I was filled with adrenaline from how fast everything was,” Campanella said. “But what I loved most was the crowd because Vancouverites are so into their team.”
She tweeted all throughout the 2011 playoffs; so much that interviewers began to question her American loyalty.
“I’m pretty sure Californians feel a little bit of betrayal, but I have to say, I was a Vancouver fan before I even won Miss California USA, so it’s not like it’s anything personal, I just fell in love with the Canucks and now I’m loyal to them.”
Hopefully the Aquilini’s will find her a free pair of tickets close to the ice for next season.
What’s worse than a lockout? Losing one of the only ‘rock stars’ in your league.
The NHL needs to come to grips with the fact that Sidney Crosby may never play pro hockey again. Crosby has not played since January 5th, 2011, when he was hit from behind by Lightening defenseman, Victor Hedman. His absence from the league has been noticeable.
The Penguins star has been training in the off-season, but there are no official reports that he has been cleared to play with contact.
Ray Shero, Pittsburgh’s General Manager, says an assessment will be done of Crosby’s health a week before training camp.
Many believe that Crosby will never be the same player he once was. This is unfortunate for the player and the NHL. The league desperately needs stars to ignite smaller markets, whose attendance has been suffering.
The nature of Crosby’s injury is also damaging to the league. The NHL has been trying to minimize headshots for years, but it seems more and more players are succumbing to the affects of head injurys.
Dr. Michael Cusimano, of the Injury Prevention Centre, estimates that fifteen to twenty thousand young hockey players will suffer concussion-like syndromes next season.
Something needs to be done if the sport wants to promote itself as a safe activity for young people.
For the eighth year in a row, B.C. has dominated the Canadian Little League Championships. This year it was a talented squad from Langley that went on to defeat Quebec for the title.
Now the boys from B.C. are playing on the national stage at Williamsport, Pennsylvania. Langley’s first game of the series was against Dhahran of Saudi Arabia. After a collapse in the third inning, which saw five runs scored against, Langley mounted a strong comeback.
Tied at five in the sixth and final inning, a wild pitch helped Colby Ring score to defeat Dhahran.
The boys now move on to the winning circle.
Dhahran was representing Middle East / Africa. It was Dhahran’s twelfth straight year playing in the tournament. Ironically, most of the players on the squad are of American descent. Most of their families are stationed in Dhahran to work in the oil industry.
No Canadian team has ever won the tournament. Let’s make it a first boys! Stay hydrated!
This was a sad week for Vancouver Canuck fans, as one of their devoted warriors passed away suddenly at the young age of 27. Rick Rypien dressed for the Canucks for the last six seasons. Over the summer, the remade Winnipeg Jets acquired his rights. On Monday, August 15th, he was found dead in his home in Alberta.
Rypien was never drafted by a NHL franchise. He was forced to prove his worth in the minors, eventually being picked up by the Manitoba Moose. After only one year in Manitoba, Rypien was given an NHL contract by the Vancouver Canucks.
Plagued with minor injuries, Rypien bounced between the two organizations for six years. Out of a possible 492 games, Rypien played only 119 for Vancouver.
During those games Rypien became a fan favourite. At 5′11″, Rypien was seen as a smaller agitator. But it was his unwillingness to back down from any competitor that won the respect of the Vancouver fans. His bout against Hal Gill was legendary. Gill was almost a foot taller, with a much longer reach, but Rypien held his own and managed to get in a few strong uppercuts. Neither of the combatants went down. But the fight proved the young players toughness. Fights like this landed him the nickname ‘the pitbull.’
Unconfirmed reports claim that Rypien had been suffering with depression for the last ten years. Two extended personal leaves of absence from the Canuck organization substantiate this. Both times, Canuck personal would not comment on the nature of the leave. Mike Gillis supported the young winger
His funeral will be held on Saturday in an arena in Blairmore, Alberta.
After a seventeen-year hiatus, the Vancouver Canucks finally made it back to the Stanley Cup Finals. Their third visit provided the same result as the first two: a disappointing second place. But it was sign of promising things to come.
Going into the 2011-2012 season, the Canucks have kept the majority of their core group together. Gone are Raffi Torres, Tanner Glass and Christian Ehrhoff. Apart from Ehrhoff’s offensive production and Torres’ toughness, the Canucks are looking relatively unscathed.
They have also signed a number of new faces. The following is a list of players who will be fighting for a spot on the permanent roster come October.
The Veteran
Marco Sturm – Sturm is a thirty-two-year-old winger from Germany who spent his early NHL career playing for the San Jose Sharks. He was traded to the Bruins in 2005 and stayed there until he was traded to the Los Angeles Kings in 2010. Last February he was placed on waivers by the Kings and picked up by the Washington Capitals, who he scored one goal for in the playoffs. Sturm has had problems with his knees, resulting in two major surgeries. Sturm’s contract is for one year and will pay him $2.25 million.
The Replacement
Alexander Sulzer – Sulzer hopes to step into the skates of his fellow countryman, Christian Ehrhoff, picking up where Ehrhoff left off on the defensive line. Vancouver sports fans may recognize Sulzer from his appearance at the 2010 Winter Olympics. Sulzer failed to re-sign with the Florida Panthers and was picked up by the Canucks.
The Bloody Knuckled Ivy Leaguer
Byron Bitz – Originally from Saskatoon, Bitz attended Cornell University, where he played four years for the Big Red. In his final season he was honoured with an induction into the Quill and Dagger society (apparently this is kind of a big deal). He signed with Boston and played his first NHL game on January 10, 2009. His passion and fists made him a fan favourite in Boston. The following year he was traded to the Florida Panthers, where he suffered a number of debilitating injuries. The Canucks hope the worst of his physical troubles are behind him.
In their inaugural year, the Whitecaps have only two wins. Not the greatest start for a club that is trying desperately to ignite the Vancouver sports audience. But in a bold move, the Whitecaps have announced the hiring of their third coach. For those doing the math at home, that’s one more coach than wins.
The club has chosen Scottish born, Martin Rennie to replace Tommy Soehn at the end of the season. Soehn replaced Teitur Thordarson on May 30th. Soehn will move upstairs to continue his role as director of Soccer Operations. The announcement was made on Tuesday by Whitecaps CEO Paul Barber.
The 2012 season will see Rennie take control of the club’s on-field play. Rennie is currently coaching the Carolina RailHawks, who presently hold a 14-2-3 record in the second division.
From his first day behind the bench, Soehn was seen as an interim coach, so many fans and Whitecap personal were not surprised by the move.
Acquiring Rennie, halfway through the season was a tactical decision, as the Montreal Impact and Chicago Fire were already scouting his services.
Wally Buono may have the most wins of any CFL coach in the league’s history, but he also has the most losses. With only one win this season, the latter number is growing and so is the call for Buono’s firing.
In his nine years as B.C.’s head coach, he has taken the Leos to the Grey Cup twice; winning in 2006. Of the eight completed seasons, six were successful, finishing with a record above .500.
This year the Lions look more like board housecats than savannah predators and many in this town are pointing the blame at Buono.
But there are still no signs from management that owner David Braley has any intention of sacking the senior Lion – at least not until the end of season.
If the Lions pull off a BC miracle and are able to bring their club back to life, Buono’s job will be safe for another year. If the wins are countable on a single hand come November, then chances are the Lion King will have to be replaced.
Insurance can be a killer when it comes to budgeting, especially for a small business. When your quote finally arrives from your broker, don’t panic, there are ways to pay your annual premium upfront without dealing with the banks.
The last item on your tally list of expenditures is often insurance. Unfortunately, it can also be the x-factor that breaks the bank. With so many variables it is hard to gauge how much your annual bill will cost.
With high-risk businesses, insurance can be easily over $10,000. It is a cost that must be paid, before formal operations begin. Investors need to know you will be covered in the unfortunate event of a lawsuit.
A credit loan from Alpine Credits can help you pay the heavy cost of insuring your business. All you need is home equity in order to be approved. This will alleviate you returning to the banks for yet another high-interest loan.
It will take you less than five minutes to apply and in most cases you will know the very next day.
This Friday, Vancouver welcomes the Power of Women tour to the Rogers Arena. The headlining speaker will be Ellen DeGeneres, who is currently taking time off from her award winning daytime talk show “Ellen.”
DeGeneres will be discussing her career choices, her growing media empire and her charity work, which has raised over 10 million dollars for families affected by Hurricane Katrina. Alongside her message of inspiration and empowerment, will be her comedy that provides daily laughs to millions around the world.
Joining DeGeneres on stage will be Suzanne Somers, author, business promoter and star of the classic sitcom “Threes Company.” Marlee Matlin, Academy Award winner and recent Celebrity Apprentice star will also speak at the event.
The promoters of the event hope that the collaboration of speakers will provide a forum to educate, entertain and inspire women. The goal of the event is to create meaningful and positive change through discussion.
The event will begin at 9 am and will end around 5 pm.
Our guess is DeGeneres will either give the keynote speech or will close out the line-up in the afternoon.
The wedding was a whirlwind affair that left you with memories for a lifetime. There were hick-ups: Aunt Rosie falling off the dance stage was probably the most epic. There were tears: your father’s speech about the time you finally confessed your love for your partner. And there were bills, so many bills.
One year later, you are finally out of the red. To celebrate your anniversary you had planned to take your love to the Hawaiian Islands. You found an all-inclusive resort where you could spend a week being pampered. Ideal, but yet another bill.
After weeks of deliberation you finally decided it was worth the price. You went to the banks first and they declined your request for a loan. You asked your parents, but they were just starting to make payments on their kitchen renovations. You asked your brother, but he only laughed.
Then you remembered a tweet from last week about a credit loan company called Alpine Credits. Perfect.
You applied and were accepted almost immediately. All they needed was to know you owned a home.
Tomorrow you plan to surprise your partner with the tickets. The only problem is how to top it next year.
In the past five years you’ve paid for a marriage, a down payment on your home and a new (used) Subaru. As a result, your finances have been a little tight.
With a new addition to your family only months away, you considered renovating the spare room for the new baby. After making a budget, you found that the work would cost a few thousand more than you could afford. With your credit maxed, you considered alternative financing. A friend suggested Alpine Credits. All you needed for security was the equity in your home. It seemed almost too easy. But after meeting with a loan specialist, you discovered that a home equity loan was the best option available.
With the money you received you were able to repaint, remold and reanimate the room that once served as a storage space. The remaining cash helped pay for a Vancouver plumber to add a shower to the basement bathroom.
That was fourteen months ago. Now with the baby finally sleeping in his new room, you are able to finally get some rest. With a substantial chunk of your loan paid for, you’ve never slept better.
There are times in life when all your bills arrive at once; your car needs a new engine, your daughter needs braces and your fridge packs it in; the ‘perfect storm of debt.’ When these moments arise, it helps to know where to turn.
A credit loan from Alpine Credits uses your home as equity so you can receive instant capital to pay for the unexpected. It’s like a lifeline, so you don’t have to decide between fixing your daughter’s teeth and having milk for your cereal. Afford to pay all of your bills, when you apply for a loan from Alpine Credits.
A credit loan application takes less than five minutes to fill out and Alpine Credits will notify you of your acceptance within 24 hours.
If you need money fast and your credit cards can’t handle the load, call Alpine Credits. Unlike the banks, we won’t discriminate. Age, job, credit history – these factors are secondary. All you need for your loan is an existing mortgage.
Call today. Fill out an application. Receive a quote. Get your car running.
Balancing family and career will always be a test for any parent, but women are often asked to take on more of the burden at home then their spouses. This can be taxing on their career and their personal lives. Finding guidance can be as easy as listening to the empowering words of successful female professionals.
In a recent issue of “Women’s Day,” ten career women offered inspirational advice on what they considered the keys to their success in the professional world. Here are some of the highlights of the article:
Jan Marini
“Always compete with yourself, not the competition. If you’re constantly using other people as the yardstick to measure your success, you’re not putting your energy and passion where it belongs. You’re the only person who can determine how successful you will be.”
Sepi Asefnia
“If you are not a whole person-a happy and content person-then your career does not matter. Respect your personal life; take time for it and don’t feel that you are detracting from your efforts at work by doing so. The more joy you have in your private life, the better your performance will be at work.”
Suzi Weiss-Fischmann
“My best advice is, don’t forget about “me” time. Schedule a window of time for yourself, like and other appointment, if you have to. In the end, taking personal time will make you more productive at work.”
Lori Greiner
“My biggest career hurdle was getting my products into retail. It’s very difficult for a little company with just one product to get into mass retail. But if your product is good, people will recognize this and see its merits. Be passionate and find creative ways to get your product in front of the decision makers. And don’t give up-I must have called 100 times to get hold of some buyers before I finally reached them.”
Purchase orders, marketing and staffing are all facets of small business that are controllable. One area that cannot be controlled is the weather. If your business is weather dependent and situated on the west coast, you may be feeling a slight dip in profits.
This summer has seen some of the coldest temperatures for June and July. With the daily threat of rain, tourism industries around the province of British Columbia are seeing their numbers drop as the dark clouds cast a shadow on outdoor activities.
In the orchards, crops are being affected by the lack of sun. Exterior Painters have to reschedule. Even summer camps have to move things indoors.
If your business is on the list of affected companies, you may be looking for extra capital to help pay your costs. A credit loan can stabilize the effects of Mother Nature’s moody glare. Don’t let your company’s progress be dampened by the rain. Keep your trusted staff, pay your suppliers and build for next year.
Alpine Credits can have you approved for a home equity loan the very next day. Talk to one of our advisors about your options.
Canada’s newest hockey franchise has released their team’s name and logo. Sticking with their roots, Winnipeg’s NHL team will reclaim the name they abandoned when the team moved south of the border, to become the Phoenix Coyotes. The Winnipeg Jets will return to the skies, this time with a stronger tie to Canada’s aeronautical heritage.
The new logo features a silhouette of a CF-18 fighter jet. The jet sits atop a maple leaf encircled by a white circle and then a darker blue one. The two circles and maple leaf are a tribute to a classic crest worn by the Royal Canadian Air Force. The new logo stylizes the maple leaf, so the stem appears as jet exhaust. There is also an added point to the inner white circle that was not on the original RCAF crest.
The jet itself, forms an untraditional ‘W’. Like the retro stick-and-rink emblem of the Vancouver Canucks, the letter intended is not completely obvious at first glance.
The Jets also released a secondary logo that features wings, two sticks and the maple leaf. Like the primary crest, this symbol is heavily influenced by the emblems worn by RCAF pilots on their flight jackets.
The Winnipeg ownership group is hoping that Canadians across the country will identify with the new branding.
If your business is looking for a fresh feel, rebranding may be the answer. Hiring a design team and printing new marketing material can become an expensive endeavor. To help you with your costs, Alpine Credits can supply you with a credit loan. This capital can be used to give your business a modern face.
Invest in the future of your company by follow Winnipeg’s skyward lead.
If you wake up each morning and run to the window to see if your car is still in your driveway, it may be time to consolidate your debt.
If you have cards with each of the three big credit companies, it may be time to consolidate your debt.
If your friends and family won’t pick up their phones when you call, it may be time to consolidate your debt.
If you have to unplug your phone before bed, it may be time to consolidate your debt.
If you feel burdened by student loans, car payments and or credit statements, it may be time to consolidate your debt.
Alpine Credits would like to help. A home equity loan can be used to pay off all your creditors at once. If you own a home, you qualify. With your creditors paid, the only bill you will receive is the one for your loan payment.
Five, ten, thirteen separate bills could be reduced to one single payment. No more stress about phone calls. No more ridiculously high interest rates. No more complicated accounting measures. You will have one bill to deal with.
Simplify. Apply for a home equity loan and consolidate your debt today.
Credit can be a tricky thing. It’s easy to start a credit rating, but it can be hard sometimes keeping it squeaky clean.
If you have had a credit card from the time you were twenty, chances are you’ve gone through a few rough spots when you weren’t able to make payments. Maybe you lost your job and were without work for months. Or you may have had a family emergency pop up. There can be any number of things happen that lead to a missed payment.
Sadly, those little slips can stay with you for quite awhile.
Alpine Credits can help people with a damaged credit rating receive the money they need. The only requirement is that you own a home.
If you are paying into an existing mortgage, you are eligible for a home equity loan from Alpine Credits. Fill out a simple three-minute application form and receive your approval notice the very next day.
A credit line with Alpine Credits is literally one simple tap of the mouse away.
After working thirty-five years at the same company, Charlie Beech finally decided to retire. To celebrate the occasion, he planned to take his wife and youngest child to Europe for a three-week tour of the continent. Three months before the trip, Charlie reassessed the costs and found his finances were $4,000 short.
He went to the bank to apply for a loan, but was denied because of his lack of incoming capital. Charlie tried another financial institution… same answer.
Disheartened he thought about cancelling the trip, with the hopes of recouping some of the money he had already put down as a deposit.
Then an old friend from work told him about Alpine Credits, a financial institution that allowed retirees to borrow money. The friend told Charlie that all he needed was a home to put up as equity.
Not a problem. Charlie had been living in his home in East Vancouver for the last twenty-two years. He still had a small amount left on his initial mortgage, but the majority was paid for.
After applying on a Monday, Charlie had the funds he needed by Thursday. He finished paying for all the hotel bookings and the rail passes the following week.
European Vacation: Charles Bridge, Prague
Last Saturday we got a call from Charlie. He was in Prague. He thanked us for the help and said there was a postcard in the mail. Maybe we’ll get it sometime in August.
Our parents have always been there to assist us financially. From our weekly allowance, to our college education, their support has carried us through life. But we can’t expect their help for every financial speed bump. When the day arrives that you need a loan, contact Alpine Credits first.
Alpine Credits specializes in helping people afford the random expenditures that pop up in our everyday lives. From dental work, to house repairs to a flight back home to see your original bankers (your parents) – Alpine Credits can help.
The Original Line of Credit
With an easy application process, Alpine Credits can inform you of your loan status within days of receiving your paperwork. In most cases, the money you request will be in your bank account the same week you apply.
If you are currently paying into an existing mortgage, your application will undoubtedly be approved. Don’t waste time with the banks. Go straight to the one company that specializes in helping Canadians receive a line of credit. Contact Alpine Credits today.
You’ve had the same friends your entire life. You played street hockey together, went to the same schools, hung out at your parent’s house, right up until the present day. You know every skate park, every clothing store and all the best places to eat. It’s your neighbourhood. Your community. And the place you call home.
With jobs being scarce and the recession in full swing, it’s pretty common now for kids to live with their parents right into their mid-20s. With housing prices so crazy in Vancouver, it makes sense. Why spend family money on rent when you could be keeping it close to home. Some families are converting basements into basement suites for their kids. Others are moving on to retire in the Sunshine Coast or down south, leaving the property to their kids.
There’s been a huge spike in property value in Vancouver. So it’s a good problem to have. You could sell your place, and move, with a big chunk of cash. But then you’d have to lose your community and all of those friendships you’ve spent a lifetime building. Another option is a home equity loan. You can take the money in your home and still keep the house, your friends and your neighbourhood.
Consolidation. You hear this word a lot these days. But what does consolidation really mean?
Chances are you’ve been consolidating things all your life without ever really thinking about it.
When you collect all the garbage bags in your house from your kitchen, bedrooms and bathrooms, and dump them all in one big hefty bag – that’s consolidation.
When you take that sliver of white soap, and mush it together with the nugget of gold soap and the bit of blue soap that’s left from your dad’s shower to make one, big, mulit-coloured piece of soap you can use again. That’s consolidation.
If you’ve ever poured Wednesday’s soup into Thursday’s borscht, you know, to add flavour, then you know a thing or two about consolidation.
Same goes with the juice in the fridge. If you’ve ever taken what’s left of the apple and mixed it with the orange and pineapple, and called it ‘tropical’, then you understand the principle of consolidation.
Basically the idea is taking a whole bunch of smaller items, and bringing them together into one larger, more manageable item.
Same goes for debt. You owe a bit on one credit card, and some on another, and you have a car payment, and a payday loan, and you owe on your furniture and stereo. You can take all of those little payments (which are often nailed with over 20% interest), and combine them all. This is called Debt Consolidation. When you do this, you can reduce your monthly payments by as much as 2/3rds. Talk to a dedicated Lending Advisor at Alpine Credits, and if you own a home, they can help you get your debt under control (or completely paid off) with a little debt consolidation.
Alternatively, if you don’t own a home, you can still ask about debt consolidation through the helpful staff at Full Circle Debt Solutions, they have been helping with debt consolidation in Canada for years, and they can help you too.
So put away the rainbow soap, and start consolidating the things in life that matter most.
For all of you in Alberta, Alpine Mortgage has always been synonymous with the iconic jingle: “Making your home equity work for you… Alpine Mortgage.”
For those in BC, that it has been Alpine Credits. Same organization, same owners, just different names for legal reasons.
However, now we’ve decided to bring everything in (or consolidate if you will) under the same umbrella – Alpine Credits.
So for those of you in Edmonton, Calgary (where the Alpine Mortgage head offices are), rest assured that you will still be getting the same dedicated lending agents and help as you always have, just the name has changed, not our common sense approach to lending.
For over 40 years, Alpine Credits has been Western Canadians get the money they need, no matter what their age, credit or income. If you own a home, Alpine Credits will get you the money you need, often within a week.
To find out more about this new (old) company called Alpine Credits, please click this link, or feel free to call us today at (780) 486-2161 – Edmonton, or (403) 236-5926 in Calgary.
A good friend of ours told us a story about his younger sister that we thought might be appropriately to share.
The young lady was nine when her parents came to her with a question. They asked the young girl to make a choice that would affect her for the rest of her life. They gave their daughter the option of choosing between orthodontist work and a pony. The girl was nine…
The pony would live for another eight years, five years past the time she outgrew it. Her teeth remain crooked to this day.
If your child needs dental work, don’t give them the choice between a ghastly overbite and a horse. Pay for the orthodontist.
Low on funds? A second mortgage will help cover the bill.
It may seem like a fairly large investment, just to take care of a few chompers but believe us, your child will thank you. Maybe not when she’s nine or fourteen or even twenty, but there will come a day when she will look you straight in the eye and offer her full appreciation.
Marty McFly had his DeLorean time machine. Canada Trust has their cash dispersing green machines. And Vinnie Jones ripped off Burt Reynolds’ character for the Mean Machine.
But what about a dream machine? Could it be done? With the right mattress, we think so!
Mattress Choice is now holding its ‘dream machine’ promotion where customers can upgrade their old mattress for an infinitely more comfortable platform at prices that are beyond your dreams.
Victoria mattress store customers can walk away with double sized mattresses for as low as $143. Queens for $725 are now being sold for $587 and Kings are going for as low as $983. You can stop pinching yourself. Those are the actual prices. You are not dreaming – not yet!
These premium mattress prices can only be found at the BC mattress store that continues to impress, Mattress Choice. With our flagship location at 3510 Blanshard Street in Victoria, British Columbia residents are never far from mattress savings.
Stop by this week to try one of our amazing new dream machines.
Your son has spent four and a half years at UBC earning his Bachelor of Science Degree. His marks were exceptional, he made top boat on the varsity rowing team and he paid his own tuition from the money he made as a forest firefighter during the summer.
As parents, you are bursting with pride. At his Graduation ceremony, a quick glance at your husband revealed a small tear on your hubby’s cheek. This is the boy who barely made it through Math 10 and now he is graduating with honours.
So how do you reward the son who has done so much to impress you?
You could buy him a car with the little money you’ve saved over the years, but it would have to be used and under five thousand.
You could buy him a trip to extend his education, but how educational would a trip to Regina be?
A friend of the family suggested paying for a down payment on a house. This would keep him in Vancouver and give him a startup investment. But after looking at the Vancouver real estate market, there weren’t too many options that didn’t involve an ex-growop residence or a leaky roof.
The solution to your problem is Alpine Credits. Alpine Credits can lend you the money you need to properly congratulate the young graduate. With a home equity loan, you can borrow against the equity you have acquired by paying into your current mortgage.
You haven’t been a slouch over the past ten years either. Your mortgage payments have put a considerable dent in your debt. Now you have a chance to use that good credit to help out a young man who is well deserving of your praise.
Contact Alpine Credits today and prepare the proper gift for your son.
The most expensive party you will ever host will be held on the day your daughter gets married. The bill, that traditionally gets handed to the father of the bride, contains all those special items that your little girl requested to fulfill her image of the perfect ceremony.
Your daughter has been dreaming of this day since she was old enough to have her first crush. Making it magical is not your responsibility, but paying for it is. There will be bridesmaids a plenty for helping with the decorations, a wedding planner for organization and a father of the groom to drink a few scotches with. All you need to do is sign.
If your daughter’s expectations exceeds your means, there are avenues you can utilize to pay for everything from the cake to the tiny, overly-cute, placemat bridal favours.
Alpine Credits specializes in providing quick loans to Canadians in need. By using your home as equity, you can borrow the money you need to cover the costs of your daughter’s wedding.
The last thing you want to worry about during the celebration is your credit limit. With a home equity loan, you can relax and enjoy the moment with your daughter as she commits to the second most important man in her life.
The only way to improve on what you have is to make full use of the resources at your disposal.
The Vancouver Canucks know this, as they spent to the cap this season to create the most deeply stacked team in the NHL.
With blueline injuries all year, the Canucks were able to pull from their own organization and bring up talented defensemen to take the place of the injured Alexander Edler, Sami Salo, Dan Hamhuis and Keith Ballard.
On the forward lines, they were able to spend at the trade deadline and pickup Chris Higgins and Maxim Lapierre, two players whose intensity has definitely been felt in the playoffs.
Mike Gillis’s spending shows he believes this is our year. In the words of the mighty poet, Eminem: “You only get one shot, do not miss your chance to blow / This opportunity comes once in a lifetime, yo!”
Feel like the time is right to make a push in your own life? Alpine Credits can help you finance your dreams. A home equity loan can supply with you the funds you need to spend to the cap.
Watch your team rise with an investment loan from Alpine Credits.
When David Beckham loses his credit card, who do you think handles his credit issues? Well we can’t give you a name, but we can guarantee it’s not the same individual that handles your credit rating.
The fact is, credit rating bureaus have a different set of rules for dealing with disputes for celebrities and the well-connected. These individuals are given special treatment because their accounts are apparently more important than the average user. Their preferential treatment includes a thorough check by a domestic credit worker.
Sadly, for the rest of us, a foreign subcontractor almost always handles our disputes. This person provides an average of two minutes of time to review each individual case. With the advancement of online buying and an increase in identity theft, this review time could be further reduced as the volume of disputes increases.
If you have had credit problems in the past and are looking for alternative methods of finance, consider the option of a second mortgage. The money will be transferred to you securely and without the interjection of the credit rating process.
We offer no preferential treatment. We treat all our clients with the same respect.
Call today to inquire about a second mortgage and cut the credit companies out of the equation.
If you are looking for new and creative ways to promote your business, try looking to the skies.
Last week Claritin, paid a skywriter to post the phrase, “LIVE CLARITIN CLEAR TODAY,” in the skyline above Toronto.
The project took five airplanes to write and cost the allergy company $5,500.
The exposure was priceless. Within seconds of finishing, hundreds of viewers had photographed the text, posted it to their Facebook walls and tweeted about it from their smartphones.
The Metro Newspaper published this sampling of the tweets that went out immediately after.
Besides the social media aspect, thousands of office workers, drivers and pedestrians saw the message first hand. You could never find better exposure!
If your business is looking for new promotional ideas, don’t let budget factors limit your potential. With a home equity loan, you can afford to hire creative minds to come up with new and engaging ways of advertising your product.
Put the name of your company in the mind of the consumer. Invest in new marketing techniques and reap the results.
It took Kyle MacDonald fourteen trades to go from a single red paperclip to a two-storey home in Saskatchewan.
If you haven’t heard the story, MacDonald was a entrepreneur who posted a request on his blog and the online bartering site, Craigslist, to trade one red paperclip for something interesting of value. On his blog, MacDonald explained that he was intending to trade-up from his paperclip, with the intent of securing a home. He gave himself one year to make the move from desktop staple to four-walled residence. He did it with nine days to spare and more exposure then he could ever imagine. His idea would also eventually land him a book deal.
A home equity loan is like that red paperclip. It allows you to use what you have to improve your life and build a future. The possibilities, like that paperclip trading, are endless.
You could use the money to buy some consumer goods to enjoy with your family or you could use the funds to build an investment. You could watch that investment grow and then cash it in to purchase a more profitable venture. Building continuously, that simple home equity loan could have you at millionaire status in less than a year.
Trade-up, invest in your future, be pro-active and start with the simple idea of improving your life with a home equity loan.
Vancouver businesses are being warmed about a fake Fire Marshall who is running a con scheme around the city. The suspect is targeting businesses in Vancouver’s West End and taking advantage of employees who may not request proper identification.
The scam involves the suspect entering a business and asking to see the store’s fire extinguishers. He claims to be a licensed Marshall who is checking the expiry dates. After viewing the extinguishers, the suspect then tells the staff he either needs to issue new expiration tags or needs to take the extinguishers to his vehicle for further inspection. In the former case he charges the business for replacement tags. In the event of the latter, he usually does not return at all, possibly selling the pricy fire retardant devices to other businesses.
The suspect has been operating this scam for a number of years, but has yet to be caught.
In a recent incident, the suspect was left alone in the back of a business. He proceeded to help himself to a number of items, before leaving through a back entrance.
If you own a retail business in the Vancouver area, it is definitely worth your time to educate your employees about this scam before your business is added to the list of victimized stores.
The Sunshine Coast is the best kept real estate secret in British Columbia. With large, multileveled homes at well under a million dollars, you can take your family away for weeks at a time to a residence with all the amenities you have in the city.
With amazing views of the mountains and ocean, you can unwind on your deck or out on the water. You can spend your days exploring the vast network of trails by foot or on your double suspension mountain bike. Golf, kayak, fish, the possibilities are endless.
Now to the financial part. If you are unwilling to take on the whole cost of a new vacation home, consider splitting the price and time between friends or family members.
Three-way splits are quite common, where three groups of investors choose one piece of property to share. Two investors can use the property as a getaway destination and the third might decide to sell his time to potential renters. Working out these details beforehand is paramount. You will also need to agree upon terms for a possible buyout. The more you flesh out the contractual terms, the better your relationship will be with other owners.
Still coming up short? Consider a Vancouver second mortgage with Alpine Credits. Even if your credit is poor, if you currently own a home in the Lower Mainland, Alpine Credits will give you the funds you need to purchase your share of a second property.
Harper’s Conservatives believe that ‘ordinary folks don’t care about the arts’. They are convinced that Canadians are better off seeing their tax money spent in other sectors.
This is a sad reality for emerging Canadian artists.
With government funding greatly reduced, artists will have to look for other financing options.
If you find yourself in this predicament and are unable to raise the capital needed for your creative endeavors, you may want to consider a home equity loan. The equity that you have created by paying into your initial mortgage can be borrowed against to finance your artistic projects.
Receive a loan with Alpine Credits and you will be able to afford the basic production costs of your short film. You can pay for training at Emily Carr. You can buy studio time and the resources required to shoot a video. You can pay for your tools, you medium and your education.
Call Alpine Credits today and start production tomorrow.
You secured a mortgage five years ago to afford your starter home. When you moved in you immediately realized the basement would need a total overhaul. Five years later you still are missing the funds to complete the project.
With a second mortgage you can afford to rip up that terrible white shag carpet and replace it with a fall teak engineered floor. You can remove that awful floral wallpaper and paint the room in a softer eggshell pastel. The doorways can be replaced and properly fitted. Your windows can be weather sealed and you can finally add some proper lightening fixtures.
You’ll need to furnish it with a trip to IKEA and some couches from The Brick.
Then the cherry…
In the back southeast corner you can finally reconstruct your beloved pool table; with a new felt top of course.
All of this paid upfront with the money from your second mortgage.
Apply today at Alpine Credits. It’s time you finished your home.
Ten years after 9/11, Osama Bin Laden has finally been brought to justice. Or, in this case, death. The Americans are celebrating, as their biggest arch-enemy since Hitler has fallen.
The day does come with a few interesting facts and contradictions.
1. Hitler was killed on exactly the same day, May 1st!
2. Osama’s body was buried at sea, by being dropped from a plane.
3. It was exactly 8 years from the day that George Bush Jr. declared ‘Mission Accomplished’
4. News of Osama’s death interrupted Donald Trump’s Celebrity Apprentice.
If you need a Vancouver second mortgage, but find that you are having a hard time getting the funds because you have low credit, bad credit, bruised credit or just no credit at all, then you might want to consider going to Alpine Credits for your Vancouver second mortgage.
It doesn’t matter what your age, credit or income is. If you own a business, it’s no problem to get a loan, all that matters is that you own your home. It’s really just that simple.
Here are a few reasons you might want a Vancouver second mortgage.
1. Debt consolidation
If your monthly payments have gotten way out of hand, debt consolidation in Canada can help you cut your monthly payments by as much as 2/3rds.
2. Home Renovations
If you have faulty wiring, you are in need of a new kitchen or patio, or if you want to bring in a Vancouver plumber to fix up rotten plumbing, then a Vancouver second mortgage can help you get the money you need to improve the value of your own investment.
Everything is looking up these days for Vancouverites. The weather is getting warmer, the ski hills are still covered in snow and the Canucks are through to the second round. But the biggest reason for Vancouverites to be thankful, especially if you are a homeowner, is property values are up as high as 17.14%.
Area Assessor Jason Grant estimates that the average Vancouver home will see increases between 10 and 20%.
This graph shows the changes in specific districts in the Lower Mainland:
Even if you are not planning on selling in the near future, home assessment increases can still improve your present financial situation.
‘How?’ you ask.
By applying for a home equity loan, you can borrow money based on the amount left in your mortgage and the current assessed value of your home. When values increase, you can borrow more money.
That’s more money for you to spend on home renovations, your business and or your children’s future.
Here are five ideas that could move your business venture past your competition:
1. Upgrade Your Fleet
-Many local businesses use vehicles for transporting their goods or moving customers. Vehicles depreciate quicker than any other asset. Keeping your business on top means investing in your four wheeled commitments. Brand them with your logo and create a mobile advertising cavalry brigade.
2. Go Local
-Using overseas merchandise may seem like a cost effective way to operate, but the reality is the products are often of a lesser quality. Buying local products comes at a price, but your business will ultimately be better off.
3. Centralized Data
-Investing in a computerized data system can help your business set key performance indicators. The more data you collect, the easier it is to determine which areas of your business need improvement.
4. Advertising
-You can have the most amazing display counters ever created, but if you don’t have customers in your store, they will remain fully stocked for months. Creating word of mouth is priceless. A good advertising firm can get you on the lips of your target audience.
5. Hire Quality Staff
-There are individuals out there who are worth the outrageous incomes they demand. Never be satisfied. Always be on the watch for the perfect employee.
Facebook has many faults. It is a huge time waster, gossip facilitator and a stalkers dream come true. But it also serves many important purposes these days. It connects us with friends and family, promotes charities and businesses and of course, it allows to share hilarious viral videos and web creations.
This week our web team came across a link on Facebook that had us in hysterics: “Crack Shack or Mansion?” It is a simple web game that asks viewers to make educated guesses about photos of different properties around Vancouver. The viewer is shown a picture of a house and asked to pick between ‘crack house’ or ‘mansion’?
The idea behind the site is that even the most dilapidated Vancouver home is worth millions. The stucco may be coming loose, the front stairs may be falling apart and the foundation may be slipping, but if it has four walls and a 604 area code, chances are it will sell for at least $1,000,000.
If you haven’t had your house appraised recently, maybe it’s time to see what it’s really worth. You could be taking advantage of your home’s value by securing a second mortgage with Alpine Credits. Find out more at http://www.alpinecredits.ca
Life moves along at deafening pace. Blink and your kids change from stumbling toddlers to university grads.
If your family is just blossoming, make the conscious decision to book time off work to enjoy these years while your children are still young and inquisitive.
Book a family trip away to a destination that is relaxing and educational. Create memories, open your children’s minds to new cultures and make the most out of their early years.
If money is an issue that you are currently struggling with, apply for a home equity loan. All you need is a home to apply. Alpine Credits can approve your loan within a week of receiving your application. Book your tickets and you could be in South America by next month.
You can pay the loan off in the years after your children have left to follow their own dreams. They will go on to do amazing things but that foundation that you provided in their early years will be with them for life.
Provide your children with lessons they would never learn in school. Book an exotic vacation for your whole family and pay for it with a home equity loan from Alpine Credits.
In today’s modern world, marketing has taken on a new approach. It used to be that you put up a billboard or bought ad space in the local paper to spread the word about your company. Those days are behind us.
With more and more people working from home, there is less need for physical advertising.
The message needs to be delivered through a medium that people consume on a daily basis. The Internet is this medium. People check their Facebook and monitor their Twitter on an hourly basis. They might not know for weeks that their neighbour sold his house down the block, but within minutes they know their friend in Buenos Aires had a baby girl.
Social media is the perfect tool to advertise on. If your company is not plugged in, they will be left behind. It is that simple.
Feeling the pressure? Need to boost your online presence? Make room in your marketing budget for improving your online portfolio. Start with your website. Move on to Facebook and Twitter. Hire a professional.
Marketing is a tricky business. It’s hard to gauge its worth, but at the same time it serves a priceless function in attracting new business; new business that will have your loan paid off in no time.
Have you ever been to one of those events where they auction off dates to the highest bidder? They’re usually for charity, which is a good thing. Have you ever bid on any of the bachelors or bachelorettes? What was the date like? Did it live up to your expectations?
At Mattress Choice in Victoria, the owners are offering their own kind of date auction. They are giving every customer who walks into their store the chance to go home with a royal mistress.
Now, until the end of May, Mattress Choice is giving away three, FREE, queens. That’s right! A queen sized mattress from each of their top brands; Simmons, Sealy and Serta. Just by entering their establishment, you could take home a bed to enjoy every night, for years to come. You don’t even have to make an opening bid. All you need to do to participate is visit their showroom on Blanshard Street.
If you are lucky enough to win one of the beds, make sure to give yourself an honorary royal title (Lord of Saanich or Duke of Oak Bay).
This summer don’t spend your vacation weeks sitting around the house. Plan to spend your time-off at your new cottage on the Gulf Islands.
The beaches, the Arbutus trees, the small wineries, the laid back lifestyle that every city dweller longs for, it can all be found on the beautiful islands nestled between the Lower Mainland and Vancouver Island.
Acreage, timeshares, lakeside properties, oceanfront – the choice is yours.
A townhouse on beautiful Pender Island, nestled in Poet’s Cove, costs as little as $129,000. Enjoy all the amenities of Poet’s Cove Resort, with your own private condo.
If you do require a little help putting together the necessary capital needed for a down payment, we can assist you. Alpine Credits is in the business of financing the dreams of others. With a home equity loan, you can afford the cottage of your dreams. Enjoy your Gulf Island getaway all summer; spend your winter holidays curled up by the fire and pass on your investment to your children.
The Vancouver Canucks will face the Chicago Blackhawks in the first round of the 2011 NHL playoffs. Chicago has eliminated Vancouver from post-season play in both the 2009 and 2010 playoffs. This year Vancouver is looking for redemption!
Coming off an incredible regular season that saw Vancouver win the Presidents’ Trophy, the Canucks believe that their new squad is vastly more equipped to handle the mighty Blackhawks. With Alexander Edler, Dan Hamhuis and Mikael Samuelsson returning, the Canucks are almost at full strength. They are still missing Raffi Torres, due to suspension and their go-to face-off specialist Manny Malhotra, to a permanent eye injury.
But if the Vegas odds are to be believed, the Canucks are highly favoured to finally exorcise their playoff demons. This may be the year the Stanley Cup lands in the Pacific Northwest.
Canuck fans should thank the stars for Gillis’ off-season and trade deadline pick-ups. They’ve taken a good team and made it the best team. Good luck Chicago.
If you are looking to invest in your franchise, let Alpine Credits bring you right up to the cap limit. Apply online and finance your own redemption plan!
You’re looking to sell your house and pay back your mortgage? Is your realtor too busy with more expensive homes to give your modest dwelling the attention it needs? Don’t fret; Alpine Credits has a few tips to sweeten the deal.
Here are 5 easy ways to improve your home for a quick and lucrative sale:
1. Improve the look of your home from the curbside.
Take time to focus your energy on vamping up the view of your home from the street. Your potential buyers will arrive, almost assuredly, by car. Their first view of your home will be from the window of their automobile.
How do you improve this frame? Start with simple landscaping. Have the grass mowed, trim back your bushes and plant some seasonal flowers. Do it tastefully. Then look up. Has that roof been replaced in the last five years? You may want to spend the cash to have it redone.
2. Remove the clutter inside
The less furniture the better. You might love your couch, but John and Mary are thinking about the one they just bought at the Brick and how it might fit in the room.
3. Don’t forget the windows
While your open house guests are inside, they may spend a significant amount of time looking out at the rest of the property. Windex every window so they can see every detail of your yard.
4. A new coat of paint does wonders
Don’t go all out on crazy colours, but a pick a few basic tones and go over your walls. Even a new coat of off-white will improve the look of your home.
5. Spend the money to improve the fixed appliances
Make sure all your appliances and wiring are up to code. You want a potential buyer to feel like they could move in as soon as the sale is made.
What are you paying on interest each month from the array of credit cards you hold? Don’t answer that question. We can tell by your facial expression, it’s significantly more than you should be paying.
But without declaring bankruptcy, what options do you have to free yourself from these unnecessary payments?
The next question is, ‘well how do I find a lender who is willing to pay off my bills when my credit record is ghastly?’ Simple. You apply with Alpine Credits for a home equity loan. This loan will let you pay off your creditors all at once. Your only payment after that will be to the agreed repayment plan. One interest rate, at a level lower than what your credit card companies are charging. It makes complete sense.
Don’t line Visa’s pockets with huge interest payments that make it impossible to pay off the principal. Eliminate your credit card debt in one swipe. Apply for a home equity loan and reduce your creditors to one.
It seems so simple, but it’s actually that easy.
Do the math and then call us back. We would love to see your interest payments fall away!
What did your business coach always say: “Work smarter, not harder.” Turns out that saying should end with ‘not longer.’
A new study published in the Annals of Internal Medicine has found a strong link between heart disease and the length of the working day. The findings suggested that workers who clocked in for working days that averaged 11 hours, were much more at risk at developing heart disease.
The study suggested that doctors should include a measurement of working hours in their questioning of patients with a history of heart disease or with individuals who may be living a lifestyle combination that is deemed unhealthy.
Hard work might not be the sole cause of heart failure, but teemed with a lack of exercise, a poor diet, smoking and or high cholesterol, it may be lethal.
The research was gathered from 7,100 British workers over 11 years. The findings reflect previous research that had connected heart failure and working hours.
An average worker can combat the demand to work longer by finding a possibly lower paid position that allows for more time away from the office. To offset the pay decrease, individuals can put more money towards investments that grow without constant supervision or unnecessary worry.
Need capital to start your investments rolling? Canada’s top home equity loan specialists can help. Talk to Alpine Credits about a second mortgage and start spending less time at the office and more with the family. It is the healthy choice.
On May 2nd, Canada will go to the polls to decide if the Conservatives will stay in power. The alternative could be be a coalition government led by a Liberal majority.
In the business community, Stephen Harper’s Conservatives are favoured. Their Economic Action Plan successfully rejuvenated the Canadian economy and helped us push past one of the worst recessions in our country’s history. Their plan to alleviate the deficit by 2015 is popular among companies who rely on a strong Canadian market to negotiate and follow through on global business deals.
With few promises to spend money, the Conservatives have maintained their course. Heading in completely the opposite direction, the NDP and Liberal parties are both planning to increase government spending in order to fund social projects. The Liberals are promoting their Family Care Package and the NDP are promising to revitalize the healthcare system through the increased hiring of trained professionals. Both of these plans would benefit the average Canadian family, but would they bolster our economy? That remains to be seen.
Your financial well being is basically in your hands, With a credit loan from Alpine Credits, you can choose to augment any proposed political plan. You can use part of your capital to pay off high interest creditors and use the rest of the loan to invest in your home—the investment your family will have for years to come.
Politics can be tricky, but a home equity loan is smart business. Apply today and start moving down the right path towards a financially sound future.
It may be raining today, but we’ve definitely seen some signs that spring has come to the Northwest. The number one sign: the cherry blossoms are out. When the streets are lined with pink trees, spring is here and hockey playoffs are not far off.
But with spring comes the delirious anticipation of summer – the warm nights, the lack of clothing, the patio drinks and the barbecues.
With only a few months to go, it’s never too early to plan for summer. This year, don’t let your friends hog the hosting spotlight. Pimp your patio before July and August, so your deck is the place to be seen this summer.
Start with an extension. More room, means more guests. You don’t use your backyard lawn for much more than the odd bocce game, so extend the wood out.
Feeling ambitious? Look into a hot tub. You can use it all year round to relax your muscles and stargaze.
Is grilling your talent? Boost your capacity with a new barbecue. Add a natural gas line and you’ll never have to fill another propane tank again.
Finally, make sure your wood is properly stained. It’s never a bad idea to restain your deck every five years or so. Do some research, find a stain that brings out the natural colours of your wood, prep your surface and add a new coat to your existing deck.
Don’t have enough capital to realize your vision? Talk to Alpine Credits about a home equity loan. They can lend your the funds you need to see your project to its completion.
You only have a few months to go before the bathing suits come out, so start your deck preparations early.
Ambition. It’s what drives us. It’s what makes winners. Its what separates the wolves from the sheep and we each have it in us. How we act on it is the question.
Look at Mark Zuckerberg. You’ve probably all seen the Social Network by now. So the guy was a little flawed morally… He had vision, he went after his dream, he defended himself against accusations of intellectual piracy and at twenty-six years old he is worth $13.5 billion. Oh and he can say he invented a little something called FACEBOOK. You may have heard of it. Not bad.
But what if Zuckerberg did not have friends in high places to help finance his pet project? Would he have given up? Probably not. Would he have looked somewhere else for financing? Yes! That’s what ambition does. It pushes us to follow through on what we know we are capable of.
If, like Mark, all you need is some capital to get rolling, talk to Alpine Credits about a home equity loan. Invest the money in your dreams and see where they take you.
One last quick quote on ambition from our good friend Kanye West:
“He’s got that ambition baby / Look at his eyes / This week he’s mopping floors / Next week it’s the fries”
On April 4th, the City of Vancouver will unveil 19 new food vendors who have been given permission to sell their wares on the streets of Vancouver. The announcement comes after a lengthy process by the city to determine which businesses offered the best product for the citizens of Vancouver.
A panel of chef judges, members of the Vancouver business community, activists and food bloggers, chose the winning vendors. The proposals were evaluated on a number of different categories from nutritional benefit to their prepared business plan. Ironically, none of the judges tasted the product.
For a city that loves organic goods, we wouldn’t be surprised if at least a few of the chosen vendors sold local, veggies and fruit.
Although it would be great to see new businesses, the city may be facing a small public revolt if a certain Japadog was left off the list.
The vendors will get to choose their location next week, based on the score they received from the panel. Fingers crossed they release a map of all the different spots, with a brief synopsis of what will be served.
Mmmm... Japadog
Do you have an idea for a small business in a budding niche market? Looking for start-up capital? Alpine Credits can help you. In your business plan, under financing, you can gladly use our name.
A new survey by Ipsos Reid has found that only one-quarter of Vancouver residents believe they are prepared for a serious earthquake.
After watching the devastating footage released from the horrific earthquake that rocked Japan last week, citizens In Vancouver are doubting their own preparedness level and that of the government. 14 per cent of the individuals polled strongly supported government spending on infrastructure upgrades, while 57 per cent said they were somewhat supportive.
If you are concerned about your personal properties being up to snuff, you may want to consider a seismic retrofit. Whether your property is your own home or a commercial building, you may want to increase the structures reinforcements. Techniques to achieve this result are external post-tensioning, the addition of base isolators and or supplementary dampers to transform seismic energy into heat.
After looking at the costs of these projects you may be a little skeptical about your ability to afford a full seismic retrofit.
No need to worry. You can use the building’s value to apply for a home equity loan. No matter your credit rating, if you own a substantial property, Alpine Credits will lend you the money you require for the upgrades. Fill out an on-line form today and receive your loan within days.
Prepare your property’s ability to withstand a massive quake. It is in the best interest of you and your family.
A few words from our friends at Mattress Choice in Victoria:
“Twins in the bedroom”
What are your first thoughts? Well if you’re a crazed Canuck superfan (about 2/3’s of the province), your thoughts probably went to an awkward picture of Daniel and Henrik in their pajamas. Were they on bunk beds? That’s how we always picture their nocturnal hours.
The twins we want to talk about are made of pocket coils, durable foam and woven luxurious fabrics. We guarantee there are no meatballs or pickled herring tucked in between our coils.
So besides comfort and durability, what makes twin mattresses the ideal sleeping vessel? Size! Twins are considerably smaller than their royal parents. They are ideal for tight spaces and they can often save a marriage; an ideal answer for those out there sharing a bed with a partner who tosses and turns at night.
And yes, there can still be intimacy. But when the fun is over and both partners are feeling adequately refreshed, you can kindly say goodnight and return to your own personal sleeping space. What’s not to like!
So in the spirit of Sweden’s two most remarkable brothers, invite a pair of twins home to put a new spin on your relationship. Visit Victoria’s mattress store: Mattress Choice.
Where did you start your quest to raise $10,000? Did you ask your friends and family first? Did you consider a charity event? Maybe a garage sale of all your electronics and manly toys? At what point did you make your way to the bank? Or is that plural – banks?
No matter what your course, you ended with the only company willing to take on your credit rating, Alpine Credits.
They asked you one question: “Do you own a home?” To which you answered yes. And the rest is history. After filling out a simple application, you were approved and received the funds in less than a week.
How good did that feel after all those refusals? Probably amazing! It’s a shame banks can’t look past your credit rating. But if they did, we wouldn’t be in business. So tell your friends, spread the word on the street, yell it from the rooftops, if you need financial help and are refused, your home can secure you a loan with the top home equity creditor in the country, Alpine Credits. Take advantage of their system. Apply today.
You’ve climbed as far as you can go in your company with the education you currently hold, but it’s not enough. It’s not challenging, the pay is too low and without a position to strive for, your interest has started to dramatically wane.
The strange part is, you actually like the company you work for and wouldn’t mind staying if there were a new position to aim for.
The only solution: head back to school to improve your business credentials and increase your potential for relocation to a higher position within your current company.
But school costs money; money you don’t have. But you do have a home and with Alpine Credits, a home and a mortgage is all you need to apply for a Canadian home equity loan.
Even if your credit is terrible, as long as you have been paying your mortgage payments, Alpine Credits will lend you the capital you need.
Don’t close the door on your dream of heading back to school. Apply for a second mortgage and you can afford to pay tuition and take the time off work to reeducate yourself in your current field.
When are we at our most vulnerable to take on unnecessary debt? Probably not when we are at our lowest.
Canadians don’t take on debt after they have lost their job or their income has been drastically reduced; they take on debt when things seem to be turning around.
The ‘new job offer’ is a perfect example. Say you’ve been working for the same company for years making a pretty steady salary. Then you are offered a position at another company, where you will be making close to double your current salary. As soon as that new offer is presented, we as humans, naturally think about what that new salary will afford us. With those thoughts in our mind, we go shopping and buy luxury items we really don’t need. We do have every intention of paying off our debt with our new exaggerated salary, but sometimes, due to financial error our net income is drastically lower than expected. Now, consumed with debt, we’re shackled to our new position. This vicious cycle leads to a life of stress.
Can't Outrun the Storm
My advice: If you take a new job, wait at least a year before you start appreciating your new tax bracket. Try to buy large items with your debit card and include them in your monthly budget.
That promotion was great! Just remember you gotta walk before you can run.
In a sign that the Canadian economy is still a heavyweight in the resource sector, the Canadian Government is putting money back into the lumber industry. The B.C. forestry sector received five million dollars to develop programs to expand market opportunities with softwood lumber.
One of the projects that will receive this financial boost is the production of cross-laminated timber. This forestry product uses the wood affected by the pine beetle to create timber panels that can be used in commercial and institutional construction.
Richmond Olympic Oval - Built With Pine Beetle Wood
The money will be use to improve the existing technology, so that B.C. has the ability to produce a product that the world will recognize as superior.
This funding boost signifies Canada’s economic confidence. Our country is poised to leave the damaging effects of the recession behind, while forging new markets with product innovation.
What was the greatest ‘multipurpose’ toy you owned growing up? It wasn’t Optimus or Battlecat. It wasn’t that Care Bear that went through the wash over a dozen times. And it definitely wasn’t Teddy Ruxbin – there were only so many tapes.
The one toy that could be used over and over again for creating worlds far greater than the simple blocks they were formed from was Lego.
It let you build anything you could imagine (depending on how much base material blocks you had). It was always new. And the mess afterwards was legendary.
For those of us who loved our Lego, the Sidney Museum is hosting the Sixth Annual Lego Exhibit. Models from multiple creators, including the Victoria Lego Users Group, will be on display. Some of the installations in this years exhibit take their origins from fantasy, flight, medieval times and racetrack innovation. The main feature piece will be a Lego model of London’s Tower Bridge.
The exhibition will be running until March 31st at the Sidney Museum. So bring you kids and show them a creative world beyond the XBox.
One question to always ask before starting a renovation is: “Will this project improve the value of my home.” In other words, ‘by pouring money into my kitchen upgrade, will I be able to sell my home for a price that is equal to the current value plus the price of the reno?’
The Appraisal Institute of Canada offers a nifty app to calculate the average return on a home renovation project. The institute suggests that bathroom renovations of around $30,000 will net you a 75 to 100 per cent return. Swimming pools and driveways are lower at 25 to 50 per cent. Skylights may be great for bringing in more light, but often their return can be close to zero.
Like anything in life, improvement is always the end goal. If you are planning a home renovation, do the research and find out how much your pet project will actually end up costing you when it comes time to sell.
Once you’ve plugged the figures and contacted a third party advisor, you will be ready to apply for the appropriate funding. Your first stop should be with the credit specialists at Alpine Credits. Alpine Credits will allow you to use your home as equity for you to borrow against. The money you receive will go to improving your investment and your current living experience.
Gabbi recently finished her master’s degree and decided it was time to upgrade her four-bedroom home. Along with the improvements to her kitchen, Gabbi also repainted the entire upstairs of her home. She had professionals install a new hot water heater, electrical box, sani plus pump and multiple light fixtures.
Gabbi had help financing her project. Her family gave her a gift card to Home Depot on the completion of her schoolwork. Other friends got together and bought her mortar to tile her kitchen as a birthday present.
Some of us may not be as fortunate to have such caring and giving family and friends, and occasionally we have to look for other means to finance our home improvement projects. If you fall into this category and are looking for a loan to improve your home, consult the personal financiers at Alpine Credits. Alpine Credits will allow you to use your home as equity to apply for a loan that will allow you to make the necessary improvements to your living space.
Your kitchen deserves to look as good as Gabbi’s. Apply for a home equity loan to improve your home. It will be the best investment you ever made.
Gabbi Hockman's Kitchen Renovation
To see all of Gabbi’s photos and read a little bit more about her renovation project, visit her blog at: Domesticated Academic.
Temperatures around the Lower Mainland continue to hover around zero as Vancouverites experience one of the coldest winters on record. This weekend’s forecast predicts temperatures will again dip below zero.
Isn’t this supposed to be the mild coast? Who knew?
If you have been caught ill prepared, don’t worry. Campbell Care can visit your residence to do an on-site check of your heating system. Our energy efficiency analysis will tell you exactly how your furnace is performing. This readout, along with the advice of the professional service technician, will help you make an informed decision on the future of your heating system.
If your old workhorse is at the end of its road, Campbell Care can install a brand new heating system at a reasonable cost. The technician will also suggest an applicable rebate program, so you can retrieve some of the cost back from the governments green initiative programs.
Don’t suffer in the cold. Have your furnace inspected today. Contact Campbell Care for all the details and book your appointment.
In a sign that everyone has monetary troubles from time-to-time, even the finest restaurants in the city, db Bistro and Lumiere have decided to close their kitchens for good. Both restaurants will shut their doors permanently on March 13th.
But while the city will mourn the loss, another fine French establishment that we have yet to hear of will undoubtedly fill the vacancy.
That business might need an initial boost and one of the lenders they might seek will be Alpine Credits. With a home equity loan, owners and investors can put together the capital needed to make a blank canvas into an inspired piece of culinary art and interior design.
If you are looking to pick up the gauntlet, contact Alpine Credits for your own home equity loan application. You can borrow against the money you have already paid into your initial mortgage. Your house is your bargaining chip and your golden egg. Make it work for you. Contact Alpine Credits and create your own customized menu for bringing your small business to the table.
Editors Note:
I had the pleasure of sampling db Bistro’s wares last year at Dine Out Vancouver. What an amazing meal! Thank you.
We know you’re busy with all life has to offer, but a simple picture could make you $200 richer. Use your phone, take a Polaroid and mail it to us, borrow your neighbour’s camera and split the winnings. All we want is a picture of your latest Home Renovation.
Alpine Credits wants to see what you’re capable of creating in your own home. Dazzle us with your precision cuts and your tasteful colour palette. But it doesn’t have to be the Sistine Chapel. A simple plank ceiling would do. Send us photos of your crown molding, the new stairs to the basement, your aggregate front steps, even your new driveway.
We just want to see the work you’ve done to improve the value of your home. You have less than a week to send in your submission. So hurry. Snap your work and post your photo on our Facebook wall. Our judges will review the entries in the first week of March and announce a winner.
For the fifth straight year in a row Vancouver has been voted the most livable city in the world. But what does that mean for the local citizen? Sure we live in one of the most beautiful places on Earth, with an excellent healthcare and education system, but what about all the extra added attention to our city?
It seems that the cost of living is higher than ever, the housing market is almost impossible to crack and the HST has crippled some small businesses.
With the influx of visitors and new residents, the tourism payoff is bound to improve many of the local industries, but it is often hard to gather enough capital to start a business.
Thats where Alpine Credits comes into play. If you own a home and are looking to finance a new business venture, Alpine Credits will lend you money depending on your home equity. That means we will grant you a second mortgage where you can borrow against the actual sum you have paid off on your original loan.
This money can help you buy property, machinery, business licenses, anything you need to move ahead.
Vancouver is a beautiful city to live in, but if you’re not progressing financially, it can also be a crippling lifestyle. Use your loan from Alpine Credits to boost your financial worth. Talk to a credit advisor today. http://www.alpinecredits.com
Seeking shelter from the taxman? It’s not too late to contribute funds to your RRSP. The deadline is March 1st of this year.
Don’t have the funds to invest your maximum contribution? Borrowing isn’t a bad idea. Experts claim that it is much easier to make a loan payment than it is to put savings aside for your yearly contribution. Once you receive your tax return, you can put a portion or all of the money towards your loan. When the loan has been paid, you still have the money in your RRSP account that you can take out when you retire.
Win win!
Still not contributing to an RRSP? Think the government pension plan will cover you in your old age? Think again.
Canadians are retiring on average at 55. That would mean you would have to wait ten years before collecting your Old Age Security. We are also living longer. Your retirement could last you thirty years. Saving as much as you can now is not only wise, it may be the difference between a boarding house and a small condo when your seventy years old.
Put as much into your RRSP as you can! Alpine Credits will lend you the money when you can’t seem to save it. Take the loan and buy in. Your future self will thank you.
Your investment has now spiked into the stratosphere.
Aren’t planning on selling anytime soon? You can still use that increase to your advantage when you apply for a home equity loan. Alpine Credits, the leader in home equity loans in Western Canada, will increase you availability limit on a second mortgage. That means you can borrow more money to invest in any way you like. Build your business, start an education fund, purchase a vacation property, the options are limitless.
Potential homebuyers might see the increase a little differently, as it is becoming harder and harder to break into the Vancouver housing market.
But there are deals out there and unfortunately, for the Mayor of Vancouver, some of those deals involve the yet to be sold condos in the recently created Athletes Village in False Creek. Since May of 2010 the average price of a unit in the Athletes’ development has dropped 30%. Stuck with an investment that needs to be sold, the Mayor is now optimistically hoping to come out even.
Take advantage of the drop and buy a piece of history. As the units sell and their value increases, your investment will start to show the same promising signs that homeowners across Vancouver are currently witnessing.
Alpine Credits wants to give you $200 for a simple photo of your latest home renovation. That’s right, $200 for a view at your handiwork around the house. Send us your photo, along with a brief write up on how you increased the equity of your home and you can win $200 to spend any way you like.
(New power tools!)
With the win, your photo will be featured on our blog for the entire world to see.
Why? Because your kitchen literally took four months to finish. You’re proud of it. You’ve showed it to all your friends. Why not increase your audience?
What if anyone with an Internet connection could visit your cooking area and marvel at your tile work, drool over your molding cuts and gaze in jealous awe at your granite tops.
Here’s your chance to show it off and inspire others.
Think big and enter Alpine Credits’ Home Reno Contest.
Visit our Facebook page, post your photo and give us a brief write-up on how you made a mess hall into a masterpiece.
We know it was hard going and it took time to raise enough capital to cover the project, but you did it! And you should be proud.
Putting the last touches on your home renovations? Before you move all your furniture back in, maybe it’s time to replace those tired sagging mattresses you have been forcing your family to sleep on for the last fifteen years.
If you live in Victoria, the process of mattress searching just got easier. An entirely new kind of mattress store has just opened in the province’s capital. Mattress Choice carries only the best brands in the industry at some of the lowest prices you will find anywhere. Their professional advice will help you pick out the perfect beds to fill every bedroom in your house.
Bring the whole family down to their Grand Opening, happening now at their Blanshard location, just inside the Town and Country Shopping Center. Take your time and test-sleep each bed you’re interested in. Mattress Choice’s 90-night guarantee ensures you will stay completely satisfied with your mattress selection. Mention this article and receive two free pillows for each one of your new beds.
Need a little extra capital to afford a whole new mattress-home-makeover? Use your home as equity for a loan and ensure your family’s comfort for years to come. Alpine Credits can help.
Sleep soundly friends and take advantage of the amazing deals being offered at Victoria’s mattress store: Mattress Choice.
Gauging the health of our economy can be a guessing game at the very best. Like judging the length of winter on the whims of a Groundhog, forecasting the business trends of our markets is at times, purely speculation. But according to Maclean’s magazine, the relationship between the North American economy and the National Football League’s annual Super Bowl has the potential to tell a surprisingly accurate story about where our financial system is heading.
Two measuring sticks mentioned in the article are the price of the event tickets and the cost of a 30-sescond spot of television advertising. With the prices of a stadium seat rising 40% from last year’s bowl, it seems as though North Americans are more willing to spend their hard earned pay on an evening’s entertainment.
The advertising prices were also up from 2010, with the average spot going for around $3 million US. The majority of these ads were from the auto industry, a sector that was almost in ruins two years ago. Now, with the help of celebrity endorsements like Eminem, the bailed out auto manufactures are back on top, willing to prove to the world that North America is determined to rebuild.
So what does all this conjecture mean for the average citizen: if you believe in these things, now is the time to invest in domestic product.
Need help coming up with the funds? Alpine Credits is here to help.
With a home equity loan, you could be the stimulus needed to rekindle your business. Your home improvements could raise the real estate value of your neighbourhood. Your financing of your daughter’s education could in turn change the national potential of Canada’s biochemical field.
And with investments like these, who reaps the rewards?
We all do.
Hope you enjoyed the game and the optimistic outlook.
One of the greatest things about living on the west coast of Canada is the dynamic mix of cultures. Public celebrations are a fabulous means to share some of the more colourful aspects of our community mosaic.
This week marks the beginning of LunarFest and the closely associated Chinese New Year.
The former will be celebrated outside the Vancouver Art Gallery from February 3rd to the 13th. The event will feature a nightly lantern exhibition, held in a tent on the gallery lawn. Hailed as a Lantern Aquarium, the installation will be open to the public from 4 pm to 11 pm, with free admission. On the 12th of February, the festival will take on a mobile form, moving as a procession through the downtown streets. This event begins at 6 pm.
The Chinese New Year parade will take place on February 6th, with dance troupes, marching bands and the always popular, lion dances. The parade starts at noon at the Millennium Gate in Chinatown. It will run 1.2 kilometers and end on Columbia.
Make time to bring the whole family down to enjoy both of these festivals. The colours, sounds and visuals are sure to inspire!
When you hear the words, ‘home equity,’ what do you think of?
What about when they’re combined with the prefix ‘making your’ and the suffix ‘work for you’? Ah, there it is. A cute little jingle that everyone with a radio knows.
The company that brought you that jingle is already on your tongue; Alpine Credits. That is the beauty of advertising. When the brain hears a phrase, it automatically fills in the parts from unconscious cognitive learning. This speeds up processing, so our minds can focus on multiple tasks at any given time. Like the new Google search enhancement function, your life will speed up by at least 3-5 seconds per topic.
Alpine Credits created the perfect jingle, so that every time you hear the phrase ‘home equity’ you can think of the number one company for home equity loans in Western Canada. That little jingle will save you time, money and frustration. When you need to apply for a second mortgage using your home equity, your brain will immediately remind you of the best company in the business: Alpine Credits.
The winter months are never ‘that’ unfriendly on the Wet Coast, but this year could be an exception. With predicted all-time lows, this could be the year when your over worked furnace finally packs it in.
La Niña has been meddling with the weather around the globe and Western Canada could be the site of the next big snow dump. Improving your heating system may be an unexpected expense. If your budget can’t handle the cost, maybe it’s time you looked for other sources of capital to guarantee your family doesn’t freeze this winter.
Alpine Credits can loan you the money you need for a furnace upgrade. If you have been diligent about your mortgage payments, Alpine Credits can secure you a second mortgage against the money you have already paid in to your first loan.
Going cold shouldn’t be an option. Talk to Alpine Credits about a second mortgage in B.C.
Every dream starts with an idea. Then that idea is realized with a plan. Most plans require capital to give them wings. Alpine Credits wants to finance your plan. We are confident that with a little help, your vision can take you beyond the treetops.
Every film starts as a screenplay. A written portrayal of what will eventually appear on the screen at your local multiplex.
Then that screenplay needs to be realized. To finance all the necessary production costs, producers shop the project to different studio’s that can afford to put up the capital to finance the films.
Think of Alpine Credits as the leading studio. We’ve read your screenplay and can visualize it’s potential. We want to turn your idea for a business, a vacation home, a college savings account, into a reality. We’ve seen your earlier works, ie. your mortgage payments, and are confident in your ability to deliver another blockbuster. So take a seat in the director’s chair and bring your dream to life.
Just for fun, we thought we’d share a list of film budgets and their eventual international gross.
It’s Friday morning. You just spent the last hour and a half talking with your financial advisor at the bank. She gave you the answer you were dreading: “No, there’s no way the bank will lend you anymore money.” With your credit already maxed, it seems like that final step in creating your home business is just out of reach. Now you get to spend the whole weekend in a miserable funk.
Wait! It’s not quite time to pull the plug.
Alpine Credits can help, when the banks say ‘No!’ We are the leading lender in home equity loans in Canada. Even with BC bad credit, Alpine Credits can lend you the funds you need if you own a home and have been paying your mortgage payments each month
With a home equity loan you will be able to continue your plan to finance your home business. In a year or two, when the cheques are flying in, you will look back on your good fortune. And to think, that a last attempt Google search for ‘no credit loan vancouver,’ led you to the company that would eventually pay for the final stage of your business plan.
Improve your weekend. Apply on-line for a home equity loan today.
The Federal Government has announced major changes to the rules regarding mortgages in Canada. Federal Finance Minister, Jim Flaherty, has created these changes to curb the increase in household debt that many Canadians are experiencing.
Federal Finance Minister, Jim Flaherty
The major changes are:
1. A reduction in the maximum amortization period from 35 years to 30 years. This rule will affect homebuyers who initially put less than 20 per cent down. Canadians with down payments lower than 20 per cent will have to increase their monthly payments to pay off their mortgage earlier.
2. The maximum amount borrowed on a home equity loan will be reduced from 90 per cent of the principal paid, to 85 per cent. This means the limit you will be able to borrow will be considerably less.
3. The Federal Government will no longer insure home equity lines of credit.
The rules for mortgages will take effect on March 18th of this year.
Last Saturday was the Canucks’ first loss in nine games – a heartbreaker to the Detroit Red Wings that ended in a shootout. But the loss was only a minor blemish on the Canucks’ outstanding 2010-2011 season start.
The way the boys are currently playing it’s tough not to think about planning the parade route. It has been years since Vancouver has put together such a strong group of players. But each player was a careful addition. Now with the perfect mix, a team that was built by three different General Managers could finally win the trophy that has eluded this city for the past forty years.
Is there a lesson to take away from the wait and turmoil, the years of ‘Disastrous’ Dan Cloutier, ‘Meathead’ Mark Messier and Dana ‘Molasses’ Muryzn?
Yes, invest wisely and your fortune will eventually reflect your sound decision-making.
Your best option is to contact Alpine Credits. Alpine Credits specializes in home equity loans. They look at your team and recognize it for the potential it has. If you have been consistently making your mortgage payments, you’re eligible to borrow against the money you have already paid in. Use this money to spend right to the ‘cap’ and make your team as competitive as possible.
These are our years Vancouver. Enjoy them. And remember: “We are all Canucks.”
Peering over the other cubicles, Patrick could just make out the snow starting to fall through the window at the far end of the office. Breathing a heavy sigh, he lowered himself back in his chair. Cupping his head in one hand, he flipped aimlessly through the mound of paperworkf that threatened to take over his desk. ‘Four more months till spring,’ he thought.
Opening up his email, he hoped for an encouraging Facebook comment. None.
Just more spam form Expedia.ca.
With a complete lack of motivation for getting back to work, he decided to open the message.
“Weeklong excursions to Mexico for as little as $749.”
Daydreaming of lounging in the sun, Patrick wished he hadn’t maxed his credits card. He was owed a vacation week in January, but he had no money to take one. Slowly closing his eyes, he began to dream of a life a little less ordinary.
“You own a home right,” said a voice behind him.
“Yeah, “ said Patrick. “Well, the bank owns the majority.”
“But, you have being paying your mortgage payments? Right?”
“Listen Darrel, I don’t have time for this.”
Darrel continued: “Well if you own a home you can borrow against what you’ve paid into. It’s called a home equity loan. I have one with Alpine Credits.”
“A home equity loan? asked Patrick turning to face his cubicle neighbour.
“Yeah, I saw you staring at that ad and I know you mentioned your were having some trouble with your credit. If you really want to go, you can apply for a loan with Alpine Credits. They will help you finance that trip. Trust me. Just give them a call.”
With peaked interest Patrick replied: “But my credit is terrible.”
“Doesn’t matter. As long as you’ve made your mortgage payments, Alpine Credits will let you borrow against the principal you have paid off.”
“How do I apply?”
“It’s all online. Here I’ll walk you through it.”
Twenty minutes later, as the snow began to build on the nearly visible windowsill, Patrick was approved. Two weeks later, he was swimming up to a bar and ordering a Corona with lime.
The thing about insurance is, we never really think about it until disaster strikes. And when it does, our insurance company always seems to find a clause to free them from repayment.
Sometimes it is baffling why we even bother with things like home insurance. You’d think that a basement flood would be covered, well not always. What about a roof leak? Good luck. And with a ludicrously high deductible, even when you can claim it, it’s almost worth your effort to just pay for it with your own cash.
But the worst part is, those minor disasters always occur at the most inconvenient times. Like the week after Christmas, after you spent your whole salary on your family’s presents. Or the weekend after your best friend’s wedding in Costa Rica. You sure didn’t expect to come home to that tree laying across your back deck.
Nature's Destructive Ways
If you have been stuck facing a huge bill for some unseen disaster, talk to Alpine Credits about a home equity loan in Canada. Bad credit? No worries. As long as you have been diligently repaying your mortgage, Alpine Credits will lend you the money you need to rebuild your life.
If you own residential property in Richmond, chances are the value of your home increased dramatically last year. B.C. Assessment is reporting that the market values for residential properties in Richmond rose by 17.4 per cent from the following year. The second largest municipality jump was Vancouver, with a value increase of 12.17 per cent.
Vancouver Living
One of the reasons for the jump was the interest by investors in Mainland China. Another factor could very well be the expansion of the Sky Train line, making communities like Richmond more accessible.
It all adds up to quite the year for homeowners on the west coast. But what does this mean to the average family living in their home. Not much. If you can’t sell your house, you can’t access that increase in value. If you live in it, the banks are the only ones smiling.
WRONG!
You can access that increase in value by applying for a second mortgage. Alpine Credits looks at two things when it negotiates terms for a second mortgage. They look at the value of your house and the amount paid into your initial mortgage. When property values increase, homeowners can borrow larger amounts.
The old faithful Whirlpool, the one you received from your grandparents at your wedding. It had worked like a Swiss watch for ten years, but two Sundays ago, as you were starting the week’s laundry, it failed to turn over. You tried a boot to the side, mouth-to-mouth resuscitation; you even offered a silent prayer. Nothing. So you called in an expert – Jim from across the lane. He told you the obvious: “Compound fracture. She’ll never clean again.”
Whirlpool Front Load Washer: $799.00
Then there was Conner’s visit to the dentist.
You knew your oldest had teeth like a British innkeeper, but you were in denial about the need for orthodontic treatment. Your family dentist informed you that the time had come for braces. You offered a silent scream when he passed a rough estimate across the counter. Well that’ll be his Christmas present.
Last night, while you were backing out of your parking space at the grocery store, you snuggled up to 2008 C Class Mercedes. And by snuggled, we mean ran Wolverines claws down the beautiful silver side panel. And you probably would have kept driving if the owner hadn’t been sitting in the drivers seat.
Garage Estimate: $1,300
Need a little help this month? Consider a second mortgage with Alpine Credits.
“After the screening, you walked the room and mingled with the art-house enthusiasts. These consisted of local filmmakers, your daughter’s friends and a number of, surprisingly present, broadcast executives.
Like a proud peacock, you were quick to mention your relation to the talented young women who directed the night’s film.
Finishing your third lap of the room, you stepped outside into the night air. The sky was clear and promising. You leaned against a brick wall and thought, ‘Now what.’
She was twenty-four, obviously talented, with two films in her bag.
She had expressed a firm interest in avoiding the unionized film world and was looking to work as a freelance cinematographer.
She was also eight grand in debt and living in a shared accommodation that offered no room for privacy or creative sanctuary.
Worst of all she had no camera.
Without a brush with which too paint, her skill and dreams were useless.
But what could you afford to give her…?
A co-worker told you about Alpine Credits. You had heard their radio spots on 1040, but you never considered a second mortgage as a possible solution to your daughter’s financial woes.
They have the potential for multiple suites, their exteriors are often unique to their community and they have none of the problems associated with the leaky condo syndrome plaguing the Vancouver homes of the late 80s and 90s.
Their value is on the rise, as trendy young, financially stable hipsters, look to invest in retro housing.
Character Makeover
But before their sale, these homes often need an interior upgrade.
With older plumbing, wiring and heating facilities, it can be an expensive refit to bring these homes up to a 21st Century standard.
If you own a character home and are looking to invest in interior upgrades, Alpine Credits can help. Alpine Credits will let you borrow money based on the equity you have accumulated by paying into your existing mortgage.
With a second mortgage, you can afford to spruce up your home and make it more attractive for own family, new tenants or a spot on the Vancouver real estate market.
Renovations are costly, but improvements to your home can pay-off substantially if you are looking to sell.
Let Alpine Credits help you put a new shine on your character home. Call us today to discuss a second mortgage plan.
Simmons Mattress Gallery has been chosen as the ‘Best Mattress Store,’ by the Consumers Choice Awards, for the last seven consecutive years.
They pride themselves as the mattress professionals, with a seemingly endless knowledge of their product and the needs of their customers.
Matching the perfect mattress to your sleep preference is priority #1 for Simmons Mattress Gallery employees. Their showrooms in Vancouver and Coquitlam, allow you to spend time trying out all the unique mattresses in the Simmons product line.
Simmons Mattress Gallery ensures that each night on a Simmons mattress yields an unparalleled sleep. Their patented pocket coil system stops the transfer of motion between you and your partner. When your loved one rolls over or changes positions, your side of the mattress remains undisturbed.
Try one today and feel the Simmons difference.
Simmons Mattress Gallery Vancouver
To read more about the Simmons product line and the benefits of owning one of their Beautyrest mattresses, visit their blog.
For daily mattress insight, sign up for their twitter updates. You can also become a fan of Simmons Mattress Gallery on Facebook. We have!
It’s almost that time of year again, when every other TV commercial seems to feature an a)vertebrae-less girl with hair plastered on her face, b)masked monster wielding gruesome medieval weapon, or c)aforementioned girl but with teeth primed for blood-sucking. Even for those of us who peak through our fingers during these trailers, horror movies are the best part about Halloween season. Maybe because they make real life problems seem a lot less scary.
But if all the horror movies in the world aren’t enough to terrify you, your growing debt sure will. There’s nothing like a drawer full of bills to cause a grown man or woman to scream like a little girl. And trust me, the debt-monster is much scarier than the boogeyman.
So if you’re sick of being chased around by late fees in your nightmares, give us a call. If you own a home, we will get you a home equity loan so that you can consolidate your debt, pay off your bills, and say good-bye to the cold-sweats…at least until next Halloween.
It’s been a while since the kids have moved out. It’s just you and your wife, and Fluffy in that big ol’ house of yours. Surely you don’t need all that space. So you guys decide to downsize to an apartment Downtown, where the city is your front lawn and the Sea Wall is your back yard.
Only problem is, your house isn’t selling. And it’s been on the market for 6 months. Your real estate agent thinks it could be the outdated kitchen, the old carpeting, and unfinished basement. But you don’t want to believe her because money’s been tight ever since the two of you retired, and the only big asset you have is the home you’ve been living in for the past 14 years – where the heck are you going to get the cash to remodel?
That’s where we come into the picture. At Alpine Credits, we want to help you get the money you need to move onto the next stage of your life. It doesn’t matter if you’re retired, or if you’ve got bad credit. As long as you own your home, you’ve got a home equity loan. And whether you need it to remodel your home, to fix your car, or even to treat yourself to a much-deserved vacation? Well, that’s up to you.
A recent study that’s come to light highlights the gap between what college students learn in a classroom and what they do in real life. Although 81 percent of the polled students said they understood how important budgeting was, only 40 percent of them had actually planned their budgets to cover their books, tuition, and rent for the year. And of that 40 percent, many will end up going over their budgets.
If our nation’s top educational institutes aren’t teaching our kids how to apply their budgeting skills to real life scenarios, then what are they teaching them? Is ‘ The Philosophy of Immanuel Kant’ really more important than a course about managing your personal finances? It seems like relevance is a key point that’s overlooked by our schools. Maybe a couple more core classes like ‘Money Management 101’ could help us reduce our nation’s consumer debt, and get our next generation out of the financial rut.
Sure, saying ‘please’ when you order a fudge sundae might get you an extra cherry on top, but it’ll get you nowhere if you’re asking the banks for a home loan. It doesn’t matter if you own your home, and have paid years of mortgage on it, or if you’ve got great credit, or even if you’ve been a loyal customer of the bank. If they find a reason not to give you a loan, however obscure or unreasonable that reason may be, the final answer will be ‘NO’ (final answer).
If you’re sick of your good behavior getting you nowhere, give us a call. At Alpine Credits, we believe that anyone who’s got what it takes to be a homeowner deserves a home equity loan, even if you’ve got bad credit or no credit. “Pretty please” or not, you’ve got a loan.
We yammer on quite a bit on this blog about energy efficiency and all that’s good and green. Sure we love our polar bears but more importantly, we know that going green will help you save money. In these hard economic times, saving money on everything from the gas bill to your electric bill makes a difference.
Six small B.C. businesses were highlighted in the Vancouver Sun this weekend for reducing their carbon footprints as well as cutting their energy costs. Jawl, a property development company, did an energy audit on 14 of their buildings in Victoria and found that they were wasting money on wasted energy. So they decided to eliminate waste by improving the heating, ventilation, and central air systems in their properties. Their savings? 23 percent on energy costs, which means that it will only take five years for the capital investment to pay for itself.
If you want to jump on the bandwagon of savings, go ahead and get a solar panel for your roof, improve your home’s insulation and windows, and invest in an electric car. And if you need home equity loans to go green? Well, you know who to call.
Debt doesn’t take vacations, it doesn’t take time off, it doesn’t go on maternity leave, it does not call in sick, nor does it go on soul-searching sabbaticals from work. Debt works 365 days a year and 366 on leap years. It’s a 24-7 type of worker and when it’s at work – oh man, does it work hard.
So while you’re, say, sitting on your couch munching on some popcorn watching reruns of the Real Housewives of New Jersey, participating in some retail therapy on Robson Street, or playing in the snow (or lack thereof) at Whistler, your debt is chugging away, working hard to build its resume and in effect, demolishing your credit score.
Needless to say, the sooner you deal with your debt, the better. Unlike banks, we think that’s as good an excuse as any to get home equity loans. And as soon as you get one, you’ll be able to consolidate your debt or get rid of it altogether. Think about it like you’re giving your debt a pink slip.
Sure, dog is man’s best friend but does a dog really need or deserve a $12 million inheritance from his late owner? Well, according to Leona Helmsley, the answer to that question is a resounding YES. Lucky for her dog Trouble, Helmsley’s will was executed in the U.S., the only country in the world where dogs and cats can be the direct beneficiaries of trusts. In contrast, Canadian estate laws view pets as property, thus prohibiting owners from including them as beneficiaries to their wills.
There was a lot of controversy and public outcry surrounding Ms. Helmsley’s decision to leave so much money to a dog. In the end, the judge on this case decided to reduce the whopping $12 million inheritance to a still sizable $2 million – enough, we’re sure, to keep Trouble rolling around in dog chow for the rest of his canine life. And if Canada ever changes its estate laws to allow owners to entrust their entire life savings to their pets? Well, it’d definitely spell Trouble.
Whew, time flies by. You were just starting to get accustomed to the hot weather and sunny skies, when fall came and smacked you in the face. Sure, you love the crisp autumn weather in Vancouver and the beautiful, warm colors that it brings to the streets and neighbourhoods. But summer was the perfect excuse to hit the beach, or to lie out in the sun all weekend, and do absolutely nothing, long island in hand. The kids were out of school, making it much easier to plan a family getaway and a good excuse to schedule time from work.
And now? It’s back to the daily grind, getting the kids ready for school in the morning and to school on time, going to work 9-5, making dinner every night, and helping the kids with their homework. Wake, work, and repeat.
At Alpine Credits, we understand how hard it is. And we’re all for helping you reward yourself, whether it be a weekend getaway or a little shopping spree. So if you need to put some cash in your pockets, give us a call. As long as you own your home, we’ll help you get a home equity loan. Reach us at 1(800)587-2161.
All throughout our lives, we’re told that it’s important to get good grades. You need good score on our 1st grade spelling quiz so that you can get a gold star, good grades on your provincial exams so that you can get into a good university, good marks in university so that you can get a good job, good reviews from your employers so that you can get a promotion – the list goes on.
It’s no surprise then, to hear that it’s critical to have a good credit score. Without one, you’ll be hard-pressed to get a loan from the banks, buy a car, or even to rent a house. At Alpine Credits, we get that good credit is important. But we also get that life isn’t all about numbers and scores. We know that even the best of us can fall behind on payments and get into some financial trouble, which is why we won’t hold your bad credit against you when you come to us for a home equity loan. After all, isn’t making mistakes a part of life?
There’s something so exhilarating about scraping the grey layer off of a scratch-and-win ticket with a quarter. It could be the thrill of potentially winning $10,000, or maybe it’s the buzz you get from picking the right squares to scratch.
You’re not sure why you keep buying them, especially since the most you end up winning is $10. One thing you know is that winning the big 649 jackpot is next to impossible; whereas scratching your own way to fortune puts a little more control in your own hands.
What you probably don’t know, though, is that a home equity loan could potentially put hundreds of thousands of dollars into your pockets, and will probably save you a lot of money in scratch-and-win tickets. And don’t worry if you’ve got bad credit or none at all. As long as you own a home, you will qualify for a home equity loan. Just fill out one simple form, and our home equity loan experts will contact you right away.
It’s an awful feeling, getting rejected by the bank for a loan. Panic usually ensues – how are you going to pay for your kid’s tuition, you new business, or you new home?
But getting turned away the cashier because your credit card got rejected? Much worse. Ok it’s less serious, but it’s much more embarrassing. At least you can mope about bank rejection in the privacy of your own home.
Unfortunately, credit card rejection is quite a common debacle. In fact, millions of people suffer from consumer debt, and we’re not just talking about people who model their spending habits after those of Paris Hilton’s. Because of the global recession, many responsible, well-deserving people, who have spent years working hard to pay for their homes, are now faced with credit card debt.
At Alpine Credits, we can’t do anything about banks turning you down, but we can help you get a home equity loan so that you can put some money in your pockets to pay off your debt. Heck, you can even pay for your kid’s college, your new business, or buy another home. Give us a call, and get a loan.
It’s hard to focus on much of anything when you’re in debt. But what’s harder is trying to clear your mind enough to get some sleep at night. And no matter how many times you toss and turn, the only Z’s you’ll be seeing are the number of zeros on your credit card bill.
If you’re sick of sleeping on a pillow of debt, give us a call. We’re no sleep experts, or even mattress experts at that. But we do know a thing or two about debt consolidation and a whole lot about home equity loans. So give us a call, pay off your debt, and get yourself a good night’s sleep.
The process to get a bank loan is a long and weary one. There are telephone calls to be made with various automated customer service representatives, tedious forms to be filled out, and lots of red tape to navigate through. It’s a sticky mess, and one that’s totally worth it – if you get approved for the loan at the end of it all.
But if, say, you’ve got a less than perfect credit score or if you’re above a certain age, your attempt at getting a loan from the bank will most likely be a futile one. What’s a blip to you on your record is a devastating pothole to the banks, even if you own a home. And you can be sure that they’ll use it against you when breaking the dreaded two-letter word to you.
So if you need money now, or you just want to skip the whole mess altogether, give us a call. We specialize in home equity loans, which allows you to tap into the value of your home, which could potentially be hundreds of thousands of dollars.
We don’t give a damn about how old you are, what your credit score is, how many cars you own, what colour your car is, or whatever it is that banks feel the need to know. We operate under the notion that, if you own a home, you’ve got a home equity loan. Oh, and it takes about 1 minute to fill out our application form, and less than no time for us to call you back.
Cats have 9 lives and people get 2nd chances. So why is it that your credit score can be ruined by one blip on your financial record? And why is it that a less than perfect credit score is reason enough for the banks to reject your application for a loan?
It doesn’t seem very fair, especially considering the fact that you own a home. If the dedication and hard work it took for you to become a homeowner isn’t enough to qualify for a loan than what is? And if you’re in a certain age group that the banks deem ‘old’, you can forget about borrowing a dime from the banks, let alone getting a 2nd chance for having a low credit score.
Where banks are wary of giving people 2nd chances, we dole them out. At Alpine Credits, we don’t care if you have bad credit, or none at all. And we don’t care about some silly number that dictates your age. As long as you own your home, we will give you a home equity loan.
You’ve worked so hard over the years, toiling away at a 9 to 5, saving every penny to pay the bills, feeding the kids, and sending them off to college. You’ve been oh-so responsible, paying your mortgage and filing your taxes on time.
Last but not least, you’ve been so thrifty, forgoing vacations for daytrips to the beach, flat screens for your boxy TV set, and iPhones for your bulky Motorola.
But now that the kids are all grown up, and your house has finally been paid for, it’s time you reward yourself for all those years of sacrifice and live a little. So go ahead. Get a home equity loan. Put a little extra cash in your pocket, and add a little bounce to your step.
Remodeling your home is a huge undertaking. The mere thought of having your home in a state of construction chaos is enough to make drab kitchen appliances seem shiny and water-stained walls seem inviting.
But one look at Yahoo’s “8 DIY Projects To Add Value To Your Home By Labor Day” is enough to send even the most reno-phobic homeowner to the nearest Rona, especially if you’re planning on selling your home in the near future. I mean, who would have thought that replacing your front door with a steel one could result in a 129% ROI when you are selling your home?
Increasing the value of your home could be as easy as a new coat of paint on your walls, a new backsplash for your kitchen, or even some landscaping in your yard. And if you need a loan to get going, what better way then to get a home equity loan? After all, you’d be tapping into your home equity only to increase its value!
We’ve always got our eye on the US economy. Not only because we’re friendly neighbours, but because they’re such an economic powerhouse that their financial well-being inevitably effects ours and the rest of the world’s.
So when we read that $1.3 trillion of consumer debt is delinquent (something our dear friend Scarlett would know about) during our routine scan of the business section in the New York Times, it was another disheartening reminder that the world is not even close to getting out of the financial backwoods. The only sliver of hope is that consumers are at least trying to curb their debt by opening less credit card accounts, a lesson that we hold dear to our hearts.
Although we averted an economic meltdown of that magnitude due to our strict mortgage rules, Canadians have felt the downstream effects of the recession by the widespread loss of job and business opportunities.
If you’re struggling to pay the bills and manage your debt, there’s still hope. Because at Alpine Credits, we don’t care if you’ve got bad credit, or none at all. We don’t follow the same stiff rules that banks do. The only requirement is that you own your home. If you do, you can get a loan.
It’s no secret. It’s nice living in a bustling city that’s conveniently nestled between the mountains and ocean. The year-round, mild weather, compliments of Vancouver Island, is not bad either. It’s so great, in fact, that it drives up the value of Vancouver’s real estate to rates that triple those of Winnipeg and double those of Toronto. According to Tsur Somerville, the director of UBC’s Centre for Urban Economics and Real Estate, “If you want Winnipeg-level house prices here, all you have to do is tear down the mountains and fill in the ocean.”
So if you own a home in Vancouver, pat yourself on the back. Unless a colossal sized demolition ball and concrete truck take over the city, you’ve got yourself quite the stable investment. And if you really want to reward yourself – say, to go on a vacation to Bora Bora, to renovate your kitchen, or even get rid of your debt – get a home equity loan.
If you cut out the luxuries in your life – no more vacations, movie channels, fancy cell phones,shopping for clothes, parties, or decorating your home – what would you be left with?
Probably food, water, shelter, and most likely a car. But even the bare necessities come at a cost. Even if you’re dining on instant noodles and sipping tap water, you’ve still got to pay for electricity, property taxes, and gas for your car. At the bare minimum, you’ve still got bills to pay.
It’s kind of like when you pay your credit card bills, and you pay the minimum payment due - it’s good that you’re paying your bills, but it’s not quite good enough because of all the debt you’re accruing (with interest!).
So whether you’re paying for the bare necessities, or you’re paying off that vacation to Hawaii that you put on your credit card, consider getting a home equity loan. Pay off your debt in full, and stop letting the banks take advantage of your finances with their credit cards and high interest rates.
As BC experiences record-breaking weather in the most recent heat wave, sunbathers in Vancouver have been flocking to the beach to get their tan on. For those of us who can’t get time off work this summer, lying out at Kits Beach with a paper-bagged beer in hand is about as close as we can get to the white, sandy shores of Honolulu.
But if you’re one of the lucky few to get vacation time, take advantage of the last remaining weeks of summer by going away. And if money’s as slow as the long summer days, let us help you by getting a home equity loan. Because whether it’s taking your kids to Disneyland before school starts, or whisking your significant other away on a tour of Europe, there’s no better time than now.
With all the technology we have access to nowadays, keeping in touch with family and friends is as easy as pressing the ‘on’ button. Whether it’s with Skype, or if you’re really lucky, FaceTime on the new iPhone, talking to your kids and grandkids is just about as close as you can get to the real thing. As great as virtual reality has become, sometimes it doesn’t quite feel like enough. After all, attending your grandson’s graduation and giving your daughter a hug when she becomes a new mom prove to be difficult on video chat.
As much as you hate to miss these life-changing events in the lives of your loved ones, flights cross-country cause a huge strain on your post-retirement finances. However, if you own your home, you’re in luck. With one simple form, you will be on your way to getting a home equity loan so you don’t have to miss your next family reunion, unless of course, it’s your smelly cousin Midge’s 90th birthday.
There are a lot of reasons why people accrue debt. Maybe you’re starting up a new business, renovating your house, paying for student loans, or just splurging on luxuries. Most likely, you’re doing a combination of the above but in some cases, you’re doing all of the above.
Whatever the reasons, we’re not ones to judge. We can’t say the same for banks that will reject your application for a loan if you’ve got bad credit or if you’re too old. At Alpine Credits, our only concern is to help you consolidate your debt by getting a home equity loan.
You’ve put in the hours, the days, the weeks, months, years, even decades. And it was a tough step, retiring. Having dedicated most of your waking hours to your job, not working seemed so unnatural at first. Sleeping in on Saturdays, waking up past 9 o’clock, and golfing on a weekdays felt like a drawn-out guilt trip instead of the pleasant vacation it should have been. As weeks turned into months, you realized how much you miss that monthly envelope and how much you miss spending so freely, knowing in the back your head that the next month would bring about yet another fat paycheck.
But now, you spend restless days at home, unsure of how to occupy your time. Yes, you planned on traveling the world. But with your lean bank account, that’s been put on hold. And the farthest you will get with your air miles is somewhere between Florida and the Atlantic Ocean.
So years of hard work, just to retire and sit at home all day? We think not. Years of paying mortgage with your hard-earned money should count for something. And with our help, you can tap into the value of your home by getting a home equity loan, so that you can finally fulfill your globe-trotting dreams. After all, there’s only so much thumb-twiddling and golfing one can do.
At Alpine Credits we’re all for business start-ups because we’ve been there before. Excited about your idea, solid business plan in hand, and dressed in your best suit, you head to the bank for your interview full of confidence that the loan is in your pocket – only to hear that your credit is not good enough. That was a huge hit for us to take when we were in those shoes. So we created Alpine Credits. If you need the initial capital to start up your business, give us a call. As long as you own your home, we will give you a loan.
In Vancouver, there seems to be a problem of overgrowth. Not in the foliage, or weeds, or even the number of crappy sushi restaurants. Rather, it’s the rapid emergence of marijuana plants and the grow-ops that house them. As many a homeowner can attest to, tenants often rent houses at asking price in order to create these hydroponic indoor farms. So homeowners are often caught between a rock and a high place, of wanting to kick the growers out, without getting on anyone’s bad side.
There are many reasons why someone can have terrible credit. Perhaps you are self-employed and it is difficult to verify your income. Perhaps you lost your job and you were scrambling to make ends meet for a while there. Perhaps you are just plain (gasp) too old.
It’s hard to believe that we live in a day and age that the banks can freely discriminate as they please. Can you imagine what would happen if they chose to not serve people of a certain race, or gender? There would be riots in the streets.
But too old? That’s blatant ageism in effect. And the only reason people aren’t rioting is because the elderly are just too civil to do such a thing.
But they should get equal treatment, no doubt about that. At Alpine Credits we don’t judge you on your age, credit or income – that’s none of our business! After all, if you own a home, you have already shown that you are successful – especially in Vancouver’s elite real estate market.
An op-ed that appeared in the Vancouver Sun on Saturday is a wrist-slap to Premier Campbell for criticizing the NDP’s overspending during their time in office, considering the fact that his government hasn’t done much better to spend less, let alone reduce the debt. We take a bit of twisted comfort in hearing that we’re not the only ones who have a hard time managing debt, but only because we’ve got Alpine Credits to keep us on track. And when it comes time to consolidate our debt, one form is all it takes.
Woo! Our beloved city of Vancouver graces the House Hunting section of the New York Times, considered to be the international go-to guide for real-estate junkies. The article featured a one-bedroom condo in Gastown’s Alexis building that is on the market for a whopping $998,000 – a testament to the value of being located in a bustling city that is comfortably nestled between sea and mountains. Other qualities like multicultural hub, culinary hotspot, and sprawling, natural backdrop ensure that the Vancouver’s real estate market will be attractive to buyers from all over the world. So to all you homeowners out there, pat yourself on the back. Because we’re on the map now, and the only place for us to go is up!
• Stress (iPhone4)
• Liability (ONE insurance company for everything)
• Phone numbers written on scraps of paper (mobile address book or iPhone4)
• Shopping lists (ShopShop app for iPhone)
• Old family pictures (scanner and hard drive)
• Phone, internet, and cable bills (Telus home bundles)
• Vitamin supplements (MULTI-VITAMIN)
• Debt (Alpine Credits)
It looks like payday for Elin Nordegren, former nanny and model extraordinaire, who just received a divorce settlement totaling $100 million from soon-to-be ex-husband Tiger Woods. For all of you out there who didn’t marry a sex-addicted pro athlete sans prenup who just so happens to be a billionaire, there are home equity loans. And Alpine Credits will give you one, bad credit or no credit, so that you can consolidate your debt, pay off your bills, renovate your house, heck even go on vacation. If you own your home, you’ll qualify for a loan.
whoever wins this staring contest gets...$100 million!
Word on the streets is that the number of job opportunities is on the rise in Canada, meaning lower unemployment rates, more earning, more spending, goodbye recession – you get the point. However, it seems as if this trend is true only in certain cities like St. John’s, Trois-Rivieres, Toronto, Calgary, and Edmonton. Sadly, our beloved city of Vancouver was not among the lucky bunch. If you’re struggling to pay off your debt and bills, or if you want to start a new business, a home equity loan could be a good solution, especially if you’ve got bad credit or no credit. We’ll loan you money during these hard times, even if your bank won’t.
Now that your house is all cleaned up, walking through your house doesn’t involve pirouetting around piles of collected junk. The countertops are empty, the walls are barren, and all your belongings are neatly organized and hidden away in drawers, cupboards, and your newly acquired collection of Rubbermaid containers. Only thing is, now you’re left with a rather sterile looking space that’s in serious need of some personality.
What you need to do now is to decorate your home and breathe some life into it. Big wall collage of old family pictures and vacation photos look great on white walls. Create one by putting the pictures in mismatching frames and hanging them in a big cluster on your wall. If you’re feeling adventurous, support your local artists and visit art galleries like Access, Artspeak, Back Gallery Project, and Elliot Louis. Check out this blog for more interior decorating ideas.
Your house is your home, and at Alpine Credits we’re all for making it look like one. So if you need a loan to spice up your living space, give us a call. We will help you tap into the value of your home, even if you’ve got bad credit or no credit at all. Fill out one simple form and one of our home equity loan specialists will contact you to guide you through the process.
Everyone’s got a little bit of clutter in his home. It adds character. But when the clutter becomes a mess that turns into a pigsty, it is not charming. It’s not cute. It’s downright distracting and nasty. Enter Details Modern Order, an organizational company that will help you clean and de-clutter your home. Think Hoarders but without the melodramatic psychological spin. Founder and professional organizer Shelley Davies works under the philosophy that less is more, helping you part with your grandmother’s collection of plastic cat figurines, your high school chemistry notebooks, and other things you ‘can’t live without’. It’s a good idea if you’re about to put your house on the market since a clean and organized home is more attractive to buyers. If you’re short on cash to de-clutter your home, call Alpine Credits. We will help you get a home equity loan, even if you have bad credit or no credit at all. Your new and improved home is one simple form away.
We talk about BC love a lot on our blog. But we can’t really help it. With so much natural beauty surrounding us – the magnificent forests, towering mountains and sparkling water – there’s a lot to gush about. The Rio Tinto Alcan Dragon Boat festival last week proved that we are not alone. Roughly 100,000 people turned up for the annual event that’s not only a dragonboat race, but also a celebration of the cultural diversity in our beautiful province. Watching the colorful boats glide through False Creek, surrounded by friends and family make us feel really blessed that we live in such an awesome place, although I doubt we were as excited as this character.
Just over a year ago, we were scrambling to upgrade what-seemed-like an antiquated 3G iPhone for the 3GS model. Faster than you can say ‘wifi’, Apple is rolling out the newest version, iPhone4, on June 24. Deemed by Mr. Jobs himself to be Apple’s “newest baby”, the iPhone 4 has been doted on by Jobs to the point where he enlisted Oscar award-winning director Sam Mendes to direct the tear-jerker TV spot featuring iPhone 4’s newest app, FaceTime. It allows users to video chat with other iPhone 4 users but there’s a catch. It only works when the phone is connected to a wifi network. Still, you can’t deny that it’s the perfect tool for keeping mom, dad, and your sister Nancy, and cousin Bob close. Oh and Bob’s miniature pug-chihuhua that’s so cute you want to carry her around in your pocket? Well with the new iPhone, you kind of can.
Starting at $199, the iPhone 4 comes with a hefty pricetag and service plan to boot. If you’re tight on budget and if you’ve got bad credit or no credit at all, Alpine Credits will help you get the home equity loan you need to stay connected.
What a difference a year makes! If you own a home in British Columbia , there’s a good chance the value of your HOME EQUITY has increased in the past year.
In 2010, the BC real estate market has rebounded remarkably. Consider the following the following highlights:
v The average price of all residential properties in British Columbia increased 14.6% from $449,000 to $514,000.
v The average price of all residential properties in Greater Vancouver increased 19.2% from $565,000 to $674,000.
v The Fraser Valley , Victoria , Vancouver Island and Southern Okanagan also exhibited an increase in price of 10% or more.
The full report can be found at: http://www.bcrea.bc.ca/index.htm
Remember, your home equity can help you in many ways:
ü Pay your property taxes (which are currently due).
ü Consolidate all of your debts into 1 monthly payment.
ü Get some extra money for any reason (cash float, vacation, new car).
ü Inject money into your business.
Please call me if I can be of assistance to any of your financial questions.
At Alpine Credits, we’re always looking for new ways to reduce that tower of bills that is stacked precariously on the desk. So you can imagine our excitement when we caught wind of new wireless company that is offering unlimited text and data plans to Vancouverites – sans contract. The new mobile carrier, called Wind, operates by earning people’s business on a monthly basis, a practice that is almost unheard of in the mobile phone industry.
With plans starting at $15 a month, Wind seems like an attractive option. But only if they can prove that they have consistent reception in not only Vancouver, but also in N. Van, Richmond, Burnaby, New Westminster, Surrey, and Port Coquitlam, will they blow us away.
It’s good news for buyers and bad news for sellers that the Vancouver real estate market has finally passed its peak. The market, which saw unprecedented growth in the past year, seemed to be immune from the housing crisis that was felt by other N. American cities. Sellers largely controlled the market, with buyers vying for houses as if they were playing Monopoly.
It’s understandable if you own a home and want to wait until the next real estate boom before selling your house. But if you’re having a hard time paying all your bills or if you want to consolidate your debt, consider getting a home equity loan. It’s like a second mortgage on your house but without all the paperwork and credit checks that banks will put you through. At Alpine Credits, we don’t care if you’ve got bad credit or no credit. If you own your home, you will qualify. Just fill out this simple form, and you’ll be one step closer to financial freedom.
There’s a new clean energy act that is aimed at reducing power usage by calling on BC Hydro to install a high-tech energy grid to detect fraudulent activity and interactive power meters in every home. The power meters will provide customers with real-time information from BC Hydro – when’s the best time to turn on the dishwasher, how much stand-by electricity is being used, what appliances are consuming the most energy. It’s a great idea, kind of like this.
If we’re more aware of the culprits of energy consumption, maybe we’ll use less of it. And if we use less of it, we can avoid accidents like this: http://www.msnbc.msn.com/id/37353392/ns/gulf_oil_spill. Even better, you might even be inspired to install a solar panel on your roof to offset your energy guzzling and reduce your Hydro bills. At Alpine Credits, we are all for anything green (have you seen our website?). So much so, that we will give you a loan if you want to take the initiative to reduce your household’s carbon footprint. And it doesn’t matter if you’ve got bad credit or no credit – BC Hydro keeps score, we don’t.
Three wise men and a rapper once sang, “Hey ma, if you could see me now, arms spread wide on the starboard now, gonna fly this boat to the moon somehow, like Kevin Garnett anything is possible”. Although the Kevin Garnett part is questionable, we agree with their general sentiment of affection toward the leisurely nautical activity.
However, if you’re strapped for cash, the last thing on your mind is sailing the ocean blue. At best, you could take your kids on trips to the beach this summer, only to watch the sea-liners cruise towards the horizon. And when you’re feeling particularly vicarious, you could ride the sea bus to North Van and pretend like you’re on the Royal Caribbean.
We at Alpine Credits want to make sure that your summer doesn’t look this grim. In fact, if you own your home, we will lend you money so that you can take your family on a well-deserved vacation this summer. On a real boat, to a real tropical paradise (sorry, N. Van).
It’s simple. Just fill out this form and we’ll contact you if you qualify for a home equity loan. It doesn’t matter if you’re young or old, and if you’ve got bad credit or low income – as long as you own a home, we’ll lend you money so that you can channel your inner Andy Samberg on an ocean cruiser this summer.
It’s been 3 months but Vancouver is still feeling the effects of the Winter Olympic Games. The Vancouver Sun recently reported that 474 units of the Millennium Water Condos were up for sale, at asking prices ranging from $385,000 to a whopping $10.5 million. In a real estate market that’s been largely a seller’s market, this is great news for buyers who are hoping for a shift in demand to gain a little more bargaining power. And it seems like buyers will get what they hope for, with the city putting pressure on Millennium Development Corporation to return the $1 billion that the city loaned to them.
At a good price, buying waterfront property in a environmentally-sustainable building that may or may not have been home to Olympic titans like Ashleigh McIvor sounds like a pretty sweet deal.
Remember the story about the 3 little piggies? Well, if you were the 3rd little pig and worked hard to build your home, it’ll pay off when the big, bad wolf comes along. In this case, the big, bad wolf is the economic downturn and the protection you have is in the form of a home equity loan.
The growing pile of bills on your desk is digging you deep into debt, so call us and learn how easy it is to receive a loan so that you can consolidate your debt. And if financial security is what you’re looking for, Alpine Credits will help you even if you’ve got bad credit or no credit.
It’s barely dawn and you blink your still-sleepy eyes to adjust to the burgeoning light in the sky. You’re in a Greyhound, speeding along the winding highway towards the snowy peaks of Whistler. Within hours, you arrive in Whistler Village and walk alongside fellow snow enthusiasts towards to the ski lifts. Despite only wearing a long sleeve shirt with your ski pants, you begin to perspire under the warm summer sun as you take the long ride to the Glacier. As soon as you reach the highest peak of the mountain, you strap on your board, push your sunglasses down on your face, and glide down the icy snow dunes, feeling the cold breeze whip across your face and cool you down. After a long morning of exhilarating runs, you call it a day and hop on the next bus back to the city.
On the ride back, you try to make out the little islands that speckle the stretching views of the Pacific coastline. Before you know it, you’ve arrived at the bus terminal, and absentmindedly start to shuffle off the bus. You gather your board and backpack, and make your way to your parked car, with one final destination in mind. You speed westward down the sun-kissed streets until you reach the parking lot. You get out of the car, take off your ski pants to reveal your swim trunks, grab your towel from the back seat, and make your way to your usual spot on Kits Beach. You stretch out your weary legs, dig your feet into the warm sand, close your eyes, and thank your lucky stars you live in Vancouver.
If any of you have an exceptional ear, perhaps you can help us answer one of the strangest comments we have ever received.
“Comments: hi there.. I know this is a very
strange question but I\’m hoping someone will be able to resolve an very
heated and ongoing but very weird debate regarding your commercial theme
song.
The last 2 words in the song.. \”Alpine Credits\”. Is it sung with
Alpine as the high note graduated down to a low note at the end of
Credits? Or is it ending in a high note?
Seriously this is driving a huge number of us crazy. Good on your part
because your theme song is being sang mercilessly.
So far we have 60% saying it the end of \”credits\” is a high note and
40% saying \”credits\” ends in a low note.
We would REALLY appreciate if you were able to resolve this.”
We don’t know, but maybe you might. If you do, please post the answer below, so we can help out our faithful listeners.
Gone are the days when getting a plumber to repair a broken water pipe would cost twenty-five dollars. Gone are the days when plumbers were subjects of jokes about sagging pants, plunging clogged toilets, and soiled t-shirts. Nowadays, plumbing is one of the most-coveted construction jobs due to the fact that it’s among the highest paid construction occupations. Getting that same pipe fixed today could run you a bill up to the three-digit range. Replacing the pipe with a new line of plumbing? That would cost you upwards of 1000 dollars.
If you don’t have three or four digits to spare, talk to Alpine Credits about securing a home equity loan so that you don’t have to take another scalding hot shower again.
Did you know your credit score is based on a formula made up by companies in Chicago and Atlanta ? In other words, the main criteria for lending you money here in Western Canada is determined by companies in the Chicago & Atlanta. Does that seem fair? Alpine Credits is a Western Canadian based finance company that’s helped homeowners with home equity loans since 1969. If you own your home we’ll lend you the money, no matter what they say down South.
So your car broke down on your way home, leaving you stranded on Highway 97 with two agitated kids fussing in the backseat. Unless you’re lucky (or unlucky, depending how you look at it) enough to be driving one of Toyota’s recalled vehicles, you’re going to be looking at a sizable towing bill and a massive dent in your wallet in order to get something you-didn’t even-know-existed in your car replaced. The mechanic will tell you that your car absolutely needs a new safety loop driveshaft in order to function—at which point you’ll find yourself wondering whether your ’91 Honda Civic is even worth the $685 replacement.
A quick peek in the classifieds will tell you that it’s not. Although you’d probably be better off getting your kids out of the backseat and hopping on the cab to the nearest car dealership, it’s not a feasible option when you’ve got energy, phone, cable, and credit card bills piling up and bad credit. That’s where we come in. If you own a home, give us a call and see if you qualify for a home equity loan that puts money in your wallet so you’ll never be coerced into buying another driveshaft, torsion bar, or flywheel housing gasket again.
The Canadian housing market is a lot tougher than it is in the US. Strict regulations make it hard for us to get loans from banks. We must use our income, other assets, and house as collateral, we don’t have the luxury of freely pre-payable 30-year fixed rates, and our mortgage interests aren’t even tax-deductible. Although these rules may seem like disincentives for potential Canadian homeowners, we have them to thank for why we were able to avoid not only the housing crash, but also the 2.8 million foreclosures that resulted in tens of thousands of people becoming homeless as was seen in the US in the past year. Click here to read more or to feel your Canadian chest swell with pride.
Gone are the days when going green meant fueling your car with vegetable oil and to turning the lights off when you’re using them. Innovation has fast-forwarded energy-efficient technology to the point where you can by prefabricated, modular homes that are made from recycled lumber and outfitted with solar panels, energy-efficient heating/cooling systems, and energy-retaining insulation. If homes delivered on wheels isn’t your thing, not to worry. Eco-renovations can be done by installing a solar panel on the roof, replacing windows with insulated glass to regulate the temperature of your home, or simply switching to compact fluorescent light bulbs. These modifications will require a significant investment initially, but the long-term energy savings will more than outweigh the initial costs- not to mention all the heart-wrenchingly adorable polar cubs you’ll be saving.
It’s hard to get feng shui when you’ve got peeling linoleum flooring and a rusty faucet in your kitchen and the last thing you see before you fall asleep is a water-stained ceiling. At that point, you have two options: You could sell the house and move out or you could renovate. The first option may seem like the easier choice when you’re faced with taking installing a new sink and the only thing you know is righty tighty lefty loosy, but when you realize the going rate of a defunct house, you’ll be first in line at Home Depot. By renovating your house, you can add significant market value to your house at a relatively low cost. And with home equity loans at your fingertips, you too can channel your inner Mike Holmes, or you could hire someone else to. http://www.hgtv.com/holmes-on-homes/show/index.html
There was the Friendship Bracelet club. Then there was Leaf Collectors club, followed by the We Hate Mrs. Reid club, and the ever-exclusive Pog Slammers club. It’s hard to get through childhood without having been a member of a club, even if you were the founder and sole member of it. Those clubs, now defunct, groomed us to be members of the most prestigious club yet, the BC Homeowners Club.
And as a member of the BC Homeowners Club, I vow to love my home because it loves me. If a pipe needs fixing, if the wallpaper needs removing, or if the walls need repainting, I’ll be there. If my empty basement wants to be an entertainment complex, if my son’s room is more suitable to be my new gym, and if my backyard craves a patio, I will be the first to support. Fellow brothers and sisters of BCHC, we shall uphold the major tenets of our creed and for that, I salute you.
I’ll never forget the dread I felt that day, walking into the library with my shoelaces, perpetually undone, dragging behind me along the speckled turquoise carpet as I tried to discretely return my book, 10 days past due. The librarian was Mrs. Reid, a daunting lady whose tight chignon was a constant fixture on the nape of her neck and I was trying my very best to avoid her cold, steely eyes.
I still feel that way sometimes. It happens when I tackle the growing pile of bills on my desk, and realize, that buried somewhere within that pile is a late bill. But instead of a verbal slap on my wrist courtesy of Mrs. Reid, I get bombarded with very expensive late fees.
It’s hard enough to pay the bills for your cable, electricity, gas, and phone, let alone keep up with multiple lines of credit, all of which charge very high interest rates. This is why it’s a good idea to consolidate your debt by reducing the number of sources from which you borrow money. Home equity gives you access to the liquid assets that you have invested in your home and helps you reduce the number of bills you receive, making your debt that much more manageable. I bet Mrs. Reid would approve.
The Olympics are over and as our Olympic gold-medal-induced high fades away, we’re left to contemplate the impact that the winter games have had on Vancouver. Left are the Canadian flags painted in the windows of stores and an unlit cauldron. Downtown streets look eerily deserted in comparison to the crowds that packed them just a couple weeks before. Advertisers are letting out a sighs of relief as their billboards are unearthed from beneath those of the official Olympic sponsors. Claustrophobes are also letting out a sighs of relief as they are able to navigate the streets and make use of the Canada Line once again. Our closets are groaning under the added pressure of Olympic paraphernalia that we purchased with abandon from the Olympic store. Miga, Quatchi, and Sumi are caught meandering the streets of East Van, contemplating their impending future.
But the end of the Olympics will hit the restaurants, bars, and small retail businesses the hardest as they readjust from the surge in business from tourists and celebrating Vancouverites during the games. Although the Olympics were slated to improve the presence of Vancouver and British Columbia on the global stage, we will have to wait and see in the coming year whether the Winter Games have done anything to attract more tourists, and in turn, boost our local economy.
You’ve heard it all before. Or at least you’ve read it in the travel brochures. Beautiful BC is nestled between the majestic Rocky Mountains and stretches of coastline along the Pacific Ocean. Breathtaking landscapes and a temperate climate are just a couple of the reasons why people are clamouring to live here. And if you’re one of the lucky few who own a home in British Columbia, then you can probably think of a couple more reasons why BC’s the place to be.
Living steps away from towering temperate rainforests and having the Rocky Mountains in your backyard may be impossible to put a price tag on, but home equity is not. It is a tangible product that lets you invest in what you value the most, whether that be navigating the slopes of Whistler, combing the beaches along the Sunshine Coast, picking cherries in Kelowna, or hiking through the Northern Interior Forests.
If you suffer from bad credit, no credit or crazy debt, you aren’t the only one. Many famous people have taken a walk in your threadbare shoes.
Here are a few famous characters that have also faced bankruptcy and hardship in their lives, but made up for it with a life lived gloriously.
1. Dismissed most of his life as a failure, Rembrandt was an eccentric artist, a heavy drinker, a gambler, always saddled with enormous debts. He truly outlived his means, because perhaps somehow he knew that his destiny was greater than that of his time. Today, four hundred years later, he is regarded as one of the greatest romantic artists. His paintings sell for tens of millions of dollars, and whole cities celebrate in his honour
2. Thomas Edison was not always a noble inventor. For the first years of his life was a die-hard optimist, with no doubt in his mind, that one day, someway, he would catch his break. He worked tirelessly on his inventions until they bankrupted him. He was deep into debt, to the point that no one wanted to lend him another dime. Had he given up, he would have been forgotten, and some other wild-eyed entrepreneur would have taken credit for his lightbulb, and hundreds of other inventions. But he didn’t, and today he has over 1093 US Patents in his name.
3. Extraordinary writer Henry Miller lived most of his life with a smile on his face, no matter how hopeless his situation may have been. He lived with beggars and bohemians, drunks, and lovers and ladies of the night in a wild whirlwind that saw him scraping by from one borrowed dime to the next, with never so much of a care as to where the next meal was coming from. He lived his passion, and enjoyed every second of this wonderful world in a state of perpetual bad debt and worse credit. Today, he is regarded as one of the greatest writers of the 20th Century, judged more from how he lived his life than the actual words he put on paper.
The moral of the story is: Before you start beating yourself up for a mistake here, or a bad investment there, it’s important to look back at all of the great heroes, and how they sometimes started from being in debt as well. Anything is possible with a little help when it’s needed. Especially from Alpine Credits, that will take the once-hidden equity of your home, and loan you what you need, to set you on the path to a life well lived.
If you live in Vancouver, Surrey, or just about anywhere in the Lower Mainland, BC, or Alberta, chances are, you’ve heard of Alpine Credits’ home equity loans. They have the ads where the man discovers the value of his home, and opens his front door to show you how his life has changed for the better.
Here are some suggestions for things that you can do with a home equity loan from Alpine Credits.
1. Turn your old kitchen, into a new kitchen.
2. Turn your old office, into a new office.
3. All your debts, taken care of!
If you own a home, Alpine Credits will lend you the money you need to make your financial dreams a reality. The doorway to financial security begins with you own front door, so go on, open it, and take a closer look at the money you have invested into your home all of these years and you will realize that whether you have no credit, low credit, bad credit or credit card problems up the wazoo, Alpine Credits can step in and take care of them for you – if you own your home, you are good to go.
Over the last month, Alpine Credits has been keeping you up-to-date with the latest goings on in the financial world in Canada including Jim Flahtery’s decision to change home equity loans, the most up-to-the-minute news on Twitter, this blog about Bad Credit Loans BC and now, they have a column as well.
Read about how Canada’s epic win at the Olympic Games mirrors the average Canadians struggle to rebuilt their life in this recession with a home equity loan.
Bad credit loans in BC, Alberta are Alpine Credits’ specialty. Where the banks say no, they say yes. If you own your home, they can lend you the money, no matter how old you are, whether you own your own business so it is hard to verify your income or even if your credit’s no good.
It’s simple. If you own your home, Alpine Credits will lend you the money.
Do you look at your kitchen table and see nothing but bills? It can get a little overwhelming. Piles of statements from credit card companies and department stores and phone companies – and why do they always have to come at exactly the same time!?
Looking at a scattered assortment of credit can be so scary, that some people just put it off. They just close their eyes and hope they’ll go away.
Even more dangerous is the auto-pay option with rent and phone bills, where it just comes straight out of your account, without you even noticing. Yikes! How many times have you gone into overdraft without even realizing. Then there are cheques you wrote but forgot about, and now they are coming up NSF.
People are calling, collectors are leaving messages.
“Leave me alone!” is all you can think.
If this nightmare seems familiar – there are things you can do to remedy your situation. The first step is to CONSOLIDATE YOUR DEBT. Take all of your bills, that mountain on your table, and crunch them all up into a little ball. Now, don’t throw them into the garbage can just yet, but think of it like that. With one phone call to Alpine Credits, we can use your home equity to turn all of that mess into one low monthly payment. And then you’re done with it! Your fees could be reduced by as much as 2/3rds. We’ve seen people paying $1500 a month in fees, suddenly start paying $500. It’s not a miracle, it’s just the power of your home equity.
So if you own a home, give us a call today, and we can turn that mountain, into a molehill.
The whole concept of Home Equity can seem a bit baffling at first.
First of all – what is equity? And why would you be willing to give me hundreds of thousands of dollars, just because I own my home?
If it seems too good to be true. It isn’t. It’s just simple math. You have been putting money into your home for years, and now, you have every right to take that money back out to use it as you want.
You could start your own business.
You could get rid of all of your debt.
You could take a second honeymoon.
You could put your kids through university.
You could even get that car you always wanted.
Anything is possible!
Here is a 30-second demonstration to explain it a bit more clearly for you.
And if you have any further questions about how we can help with Bad Credit Loans BC, Alberta no matter how far away, give us a call, or visit our website
All of the money you’ve put into your home – it’s still there. It’s stored in an investment that finance people call “equity.” If you’ve been paying your mortgage diligently for years, you could be entitled to hundreds of thousands of dollars.
Right now, only your bank has access to that money. But you could be using it: To improve your life, or to grow your investments. Whether it’s paying off your debt in one swoop, expanding your business, or re-investing in your house, the opportunity is there for you to utilize your assets.
Don’t be discouraged by the banks. Our criteria is simple. If you have a home, we’ll provide you with the money you need to reach your goals, no matter what. We don’t judge. Because we’ve all been there. Your home’s worth a loan. That’s our straightforward, no-nonsense policy. Everything in life should be so simple.
As if the government didn’t have its hands in your pockets and into your business enough, they now want to limit how much – of your own money – you are allowed to access.
Unbelievable, but true. Starting April 19th the federal government will issue a law that will restrict the amount of money can borrow against your house in what is called a ‘home equity loan.’ The money you have tied up in equity is technically your money – 100% – but Finance Minister Jim Flaherty wants to make sure that you can’t access it all.
His goal is to tighten mortgage rules to crack down on speculators and discourage homeowners from taking on too much debt amid threats of an ‘overheating’ housing market and concerns of a housing bubble, about to burst.
Who suffers with stiffer regulation? The borrowers.
Want an insured mortgage? In order to qualify, you will have to meet the standards for a five-year fixed-rate mortgage even if the interest you are paying is less.
Want to borrow against your equity? The government will limit the amount Canadians can borrow on their homes from the current 95 per cent of the value to 90 per cent.
Want to buy? Forget it. You need a 20% down-payment now.
In practical terms, it means that on the average $337,000 home, homeowners will need to have the financial means to absorb an additional $2,500 in mortgage costs a year, the TD Bank says.
All is not lost. You can still get a home equity loan for up to 95% of your home’s value if you act before April 19th, when the new regulations come into play.
Why do I need them when I can just borrow money from the bank?
Read on, dear reader, read on. This blog will provide many reasons about why the banks may come up short for you, just when you need them most. And if you own your home, Alpine Credits is more than happy to help.
We are can-do, optimistic lenders, with our mind in the big picture. We don’t judge. No matter what your credit, age, or income, we don’t turn our noses up at anyone. If you own your home, Alpine Credits can get you the money you need – no matter what. Simple as that. Your success is our success.
Let’s keep this simple. You own your home. That’s a great start in building a secure financial future. But do you know what your house is beyond just a place to live in? It’s pure capital.
You can use your equity to invest in yourself. You can build that kitchen you’ve always wanted. Or, consolidate mountains of credit card debt. If you leverage the value of your home, it can free up thousands of dollars.
With some startup capital you can have your very own business. Most people start a business and they are in debt, taking years to reach a break-even point. But if you own a home, you’re ahead, after all, most people don’t. Use your current success as a stepping-stone to future achievements.
Your home is the most valuable thing that you own. So why just leave it at that? Invest in yourself. A new kitchen, a garage, or a new pool can increase the value of your property many times over.
We are in the middle of a recession, and Canadians from coast to coast are suffering with debt. If you own a home, consider yourself lucky. We can consolidate your debt into one easy payment that is far more manageable. We have been known to reduce people’s debt by up to 2/3rds.
If you have bad credit, no credit or a history of bankruptcy, you might have trouble getting a loan from the banks. If you are looking for a home equity loan, you can pretty much forget it, because the banks won’t touch anything they deem as ‘too risky.’
Alpine Credits, on the other hand, only looks at one thing – do you own a home. If you are a homeowner, then you have all of the collateral you need. Alpine Credits will lend you $10K, $20K, even $300K based on the value of the equity you’ve built up in your home.
If you have thought about doing a new kitchen renovation, or putting in a new deck or pool – those kinds of investments only increase the value of your home, and subsequently – your equity.
Re-investing in yourself through a new business is also a good way to make use of your home equity.
And most importantly, if you can consolidate all of your high-cost debt into one low monthly payment – you are saving yourself money right out of the gate.
If you have bad credit, or no credit and you are seeking a bad credit loan in BC or Alberta, you don’t need to worry about the rejection from the banks – Alpine Credits can help you to make your financial dreams a reality.
This is a question we get asked all the time. If I want to borrow money, why would I go to Alpine Credits when I can just go to the bank?
Simply put, banks discriminate.
If you have bad credit, they won’t let you get a home equity loan.
If you have your own business, so it is difficult to verify your income, they won’t do you any favours.
If you are too old, they won’t lend you money either.
Banks shut out a lot of people. Many times for all the wrong reasons. They just punch a bunch of numbers into a machine and make their assessment based on a formula. They don’t look at you as a person. They judge you as a number.
At Alpine Credits we don’t judge. We look at individual situations and we look at situations with common sense. If you were recently divorced, or just starting out in a new business, of course it will be hard to borrow money from a bank. But not from us: Bad credit loans in BC and Alberta are our specialty.
If you own a home, you are eligible for a loan. Simple.
Of course, Alpine Credits works with more than just bad credit loans, and we are not restricted to just BC, either. You can find us in Alberta, and we can help you with everything from debt consolidation, to mortgage brokering, to second mortgage brokering to home equity loans.
To find out more, please visit our website at Alpine Credits.
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