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	<title>Maury Lum</title>
	
	<link>http://www.maurylum.com</link>
	<description>Mortgage Information For Vancouver BC</description>
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		<title>Before you cancel or walk away from a deal</title>
		<link>http://www.maurylum.com/blog/2010/08/05/before-you-cancel-or-walk-away-from-a-deal/</link>
		<comments>http://www.maurylum.com/blog/2010/08/05/before-you-cancel-or-walk-away-from-a-deal/#comments</comments>
		<pubDate>Thu, 05 Aug 2010 18:11:37 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[First-Time Buyers]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1383</guid>
		<description><![CDATA[Before you cancel or walk away from a deal I will highlight some situations and times when hopefully I may be able to help you with your mortgage financing when you are not getting the answer you would like with your current path. You may be getting told that &#8220;they&#8221; are having &#8220;issues&#8221; approving you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Early Renewal or Refinance – Now may be a good time</title>
		<link>http://www.maurylum.com/blog/2010/07/27/early-renewal-or-refinance-now-may-be-a-good-time/</link>
		<comments>http://www.maurylum.com/blog/2010/07/27/early-renewal-or-refinance-now-may-be-a-good-time/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 17:41:48 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Renew mortgage]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1360</guid>
		<description><![CDATA[Early Mortgage Renewal or Mortgage Refinance &#8211; Now may be a good time to consider With mortgage rates where they are right now and where they will be headed (i.e. up), now may be a good time to look into if renewing your mortgage early or if refinancing your mortgage now vs. later, could save [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Bank Prime Rate Up – Savings Tip</title>
		<link>http://www.maurylum.com/blog/2010/07/20/bank-prime-rate-up-savings-tip/</link>
		<comments>http://www.maurylum.com/blog/2010/07/20/bank-prime-rate-up-savings-tip/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 21:04:54 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[Market Update]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[bank of canada]]></category>
		<category><![CDATA[bank prime rate]]></category>
		<category><![CDATA[prime rate]]></category>
		<category><![CDATA[variable rate mortgages]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1323</guid>
		<description><![CDATA[Bank Prime Rate Up (variable rate mortgages) &#8211; Savings Tip This morning the Bank of Canada met and decided to raise the overnight lending rate by 0.25%, which was expected. Banks are expected to follow and adjust their prime rate to 2.75% over the next day or so and some have already made this adjustment [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Basement Suites &amp; Mortgage helpers – What you need to know</title>
		<link>http://www.maurylum.com/blog/2010/06/30/basement-suites-mortgage-helpers-what-you-need-to-know/</link>
		<comments>http://www.maurylum.com/blog/2010/06/30/basement-suites-mortgage-helpers-what-you-need-to-know/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 21:47:57 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[Rental/Investment Properties]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1292</guid>
		<description><![CDATA[Unauthorized basement Suites &#38; Mortgage helpers &#8211; What you need to know In Vancouver it is quite common to find homes that have been adapted to have a self contained unit, usually on the lower half of the home, which can be rented out for additional income. The portion of the home that is rented [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Buying new construction? GST / HST calculation tool</title>
		<link>http://www.maurylum.com/blog/2010/06/02/buying-new-construction-gst-hst-calculation-tool/</link>
		<comments>http://www.maurylum.com/blog/2010/06/02/buying-new-construction-gst-hst-calculation-tool/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 20:52:29 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[hst]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1224</guid>
		<description><![CDATA[Buying Brand New Construction? GST and HST Calculation and Comparison Tool If you are planning to buy a brand new property you are probably aware of HST and that it will apply to purchases that close after June 2010. However, if you are buying a brand new property and you can close before July 2010, [...]]]></description>
		<wfw:commentRss>http://www.maurylum.com/blog/2010/06/02/buying-new-construction-gst-hst-calculation-tool/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>Property Transfer Tax Calculation Tool – Vancouver, BC</title>
		<link>http://www.maurylum.com/blog/2010/06/02/property-transfer-tax-calculation-tool-vancouver-bc/</link>
		<comments>http://www.maurylum.com/blog/2010/06/02/property-transfer-tax-calculation-tool-vancouver-bc/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 20:34:38 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[First-Time Buyers]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first-time buyer]]></category>
		<category><![CDATA[land transfer tax]]></category>
		<category><![CDATA[property transfer tax]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1215</guid>
		<description><![CDATA[Property Transfer Tax (PTT) Calculation Tool &#8211; Vancouver, BC I have put together a spreadsheet where you can enter the purchase price of the home you are buying and it will calculate the corresponding property transfer tax amount you will need to pay at closing. The worksheet also indicates when full or partial exemption of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Bank Prime Now Up – Just a bit and a slow rise</title>
		<link>http://www.maurylum.com/blog/2010/06/02/bank-prime-now-up-just-a-bit-and-a-slow-rise/</link>
		<comments>http://www.maurylum.com/blog/2010/06/02/bank-prime-now-up-just-a-bit-and-a-slow-rise/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 15:58:44 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[Market Update]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[bank of canada]]></category>
		<category><![CDATA[bank prime rate]]></category>
		<category><![CDATA[variable rate mortgages]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1239</guid>
		<description><![CDATA[Bank prime rate increase, but just by a bit and slow and delayed rise suggested. At yesterdays meeting the Bank Of Canada decided to raise the target for the overnight rate by 0.25%. This is the first increase since 2007 and has been expected for some time now. Banks have started to mirror this change [...]]]></description>
		<wfw:commentRss>http://www.maurylum.com/blog/2010/06/02/bank-prime-now-up-just-a-bit-and-a-slow-rise/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Is It Good To Have A Bad Accountant?</title>
		<link>http://www.maurylum.com/blog/2010/05/13/is-it-good-to-have-a-bad-accountant/</link>
		<comments>http://www.maurylum.com/blog/2010/05/13/is-it-good-to-have-a-bad-accountant/#comments</comments>
		<pubDate>Thu, 13 May 2010 19:35:08 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[Market Update]]></category>
		<category><![CDATA[Self-Employed & Commissioned Sales]]></category>
		<category><![CDATA[self employed]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1183</guid>
		<description><![CDATA[Is It Good To Have A Bad Accountant? Of course do not take this question literally as it is always good to have a good accountant. This post is meant to inform those who are self employed and/or own their own business. As one&#8217;s down payment becomes less and especially if the down payment is [...]]]></description>
		<wfw:commentRss>http://www.maurylum.com/blog/2010/05/13/is-it-good-to-have-a-bad-accountant/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why NOT To Lock-In A Variable Rate Mortgage</title>
		<link>http://www.maurylum.com/blog/2010/05/12/why-not-to-lock-in-a-variable-rate-mortgage/</link>
		<comments>http://www.maurylum.com/blog/2010/05/12/why-not-to-lock-in-a-variable-rate-mortgage/#comments</comments>
		<pubDate>Wed, 12 May 2010 19:16:11 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[First-Time Buyers]]></category>
		<category><![CDATA[mortgage broker Vancouver]]></category>
		<category><![CDATA[mortgage Vancouver]]></category>
		<category><![CDATA[variable rate mortgages]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1169</guid>
		<description><![CDATA[Why NOT To Lock-In A Variable Rate Mortgage Choosing between a variable rate and a fixed rate mortgage is an important decision. There will also always be merits for choosing either at any point in time. This why I believe that the rate type (fixed vs. variable) one selects should be best matched against the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Consider A Shorter Term To Save With Your Mortgage</title>
		<link>http://www.maurylum.com/blog/2010/05/11/consider-a-shorter-term-to-save-with-your-mortgage/</link>
		<comments>http://www.maurylum.com/blog/2010/05/11/consider-a-shorter-term-to-save-with-your-mortgage/#comments</comments>
		<pubDate>Tue, 11 May 2010 23:09:16 +0000</pubDate>
		<dc:creator>Maury Lum</dc:creator>
				<category><![CDATA[First-Time Buyers]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Mortgage-Free Sooner]]></category>
		<category><![CDATA[mortgage broker Vancouver]]></category>
		<category><![CDATA[short term mortgage]]></category>
		<category><![CDATA[Vancouver mortgage]]></category>

		<guid isPermaLink="false">http://www.maurylum.com/?p=1166</guid>
		<description><![CDATA[Consider A Shorter Term To Save With Your Mortgage Once you have answered the question whether to go with a fixed or variable rate, and if you have chosen to go with a fixed mortgage rate, do not automatically assume you should select a five (5) year term. Terms shorter than five (5) years can [...]]]></description>
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		<slash:comments>0</slash:comments>
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