100% Financing now available! (oac)

If you're trying to save up for a downpayment on the house of your dreams, stop saving and start moving. 100% financing is now available for the purchase of a home. It's great timing with the lower house prices, its better to buy now than to save for a few years just to see the lending rates and the prices rise again.
I know you're landlord is in love with you, but valentines day is comming so do yourself a favour and break up with them and fall in love with your new house/condo!
For a free consultation, contact me and I'll go over the program with you and get you prequalifed. By the way, if your self-employed that's ok too!

City of Hamilton wants your help

I received an email today regarding the economic development strategy of Hamilton. Apparently its been 5 years since the plan was visited. So it's being revisited for a new 5 year strategy. If you are like me, I'm sure you've sat a "Timmy's" thinking why doesn't the city do this or the city do that. Well our chance has come to have our opinions heard before the new strategy is set in stone. Have your voice heard at one of the open houses the City of Hamilton is having, or just fill out the questionnaire by clicking the link below.
http://www.surveymonkey.com/s.aspx?sm=3nFhO_2bnCXEykuSHCIjK01g_3d_3d

more info: http://www.investinhamilton.ca/

Its all about perspective

I spoke to a friend of mine today and he told me that a job promotion he was looking forward to getting in the next few days fell threw. He didn't want to say he was upset but I could tell that he was ticked. As we spoke it occurred to me that maybe he was just looking at it from the wrong point of view, maybe by not getting this promotion it was actually a blessing. You can't look in to the future, but you can look to the past and see how the dots connect. For my friend taking this job would have required him to move out of province leaving behind all his friends and family. Being away from everyone might have actually been the biggest pay cut he could imagine. I guess all of us lose perspective from time to time and we only realise how good we have something when it's gone. Check out this video of Steve Jobs where he speaks about how precious life is.

Open house today!

Come by and say hi! I'll be at 111 Southbend Rd in Hamilton (Mohawk & Upper Wellington)
This house is a 2 bedroom 2 bathroom home located on the central mountain. Very cozy home, perfect for 1st timer or empty nesters! I'll be there from 2-4 this afternoon!

Will the budge give you a nudge?

So the federal budget was revealed on Tuesday and boy was it ever tense. On one hand the government's political doctrine to stay the coarse and to be "conservative", on the other pressure from an international recession to spend and stimulate the lagging numbers. Not to mention the fact that the sitting Tories are only holding a minority and no longer have the luxury of a conservative big brother south of the boarder to hid behind. With that all said, I guess it was little suprise that the budget was anything but conservative, $40 billion in stimulus through tax cuts and actual spending should lead to the creation or saving of 190,000 jobs and boost the canadian economy a whopping 1.9%.
There are many industries that will be effected by the new policy, but I'll just highlight a few that effect me in a personal manner.
Home Buying

1. 1st timers will be alowed to withdraw $25,000 from their RRSPs to purchase a home. (up from $20,000)
2. Tax credit program which offers a 15% tax credit on up to $5000 in closing closts. This credit is also exclusive to 1st timers and the credit will come off of the taxes owing.

Home Renovations

1. Tax credit of 13.5% on up to $10,000 of the amount spent. So if you spend the max $10,000 you can get a tax credit of $1350, but if you spend more lets say $20,000 on a reno you will still only receive the $1350.
2. Items that can count as home reno range from new windows to new flooring to paint and to new sod for your lawn. The range is huge.
3. This can be used for your home or cottage. Or even a combination of both.
4. The Credit can be used with other government programs that put money back into your pocket when you renovate your home. For example making your home more energy-efficient you can qualify for grants of up to $5,000 under the ecoENERGY Retrofit Program

Gung Hay Fat Choy! Happy Chinese New Year!

Happy Chinese New Year! The year of the Ox. The Ox is a strong and confident animal who has the the stamina to out work just about anyone. They say people born in the year of the ox are natural born leaders and make great surgeons, business leaders, and military generals. Did you know that Barack Obama is an ox? I hope the traits of an ox are transferred to the economy and that government and industry stay the coarse and not get hysterical when it comes to leading us through the recession.
Introducing the VIB program on askJawad.com. If you or someone you know is in the market for a property don't forget to join the buyer incentives program on my website. Membership is free and the rewards are fantasic. I believe that the program is unique in the industry and is exactly what buyers deserve.

Finally Something Positive

After months and months of economists predicting the end of times it was definitely refreshing to finally hear something positive. Mike Carney the Bank of Canada Governor spoke about the current recession and an economic forecast for the coming year or so. Based on the current situation it looks like the recession will be harsh and short with a recovery that will be quick and substantial. In fact by 2011 the economy should be back to full power again. The BOC expects our nation GDP to be down 1.2% in 2009 with a robust bounce back of 3.8% in 2010.
So what does this mean? Basically this gives investors the peace of mind that if they decide to invest now they will reap the rewards more sooner than later!