Showing posts with label toronto. Show all posts
Showing posts with label toronto. Show all posts

Monday, January 16, 2012

Toronto house prices dip slightly in December- The Toronto Star

An article by The Toronto Star's Susan Pigg:

House sales — and doom-defying price increases — are slowing, easing concerns that the lowest interest rates in history could cause the Canadian housing market to overheat.
Buyers are becoming “increasingly cautious,” but house sales are expected to continue making a “significant contribution to Canadian economic activity” this year, says the Canadian Real Estate Association.
A total of 456,749 houses changed hands via Canada’s MLS system in 2011, up 2.2 per cent from 2010, CREA reported in its monthly assessment of the market released Monday.
While Toronto house prices were actually down in December over November when adjusted for seasonal fluctuations — they dipped about 2.4 per cent putting the average house at $466,540 — prices were up overall some four per cent from Dec. 0f 2010.
The average Canadian house price was $358,480 when adjusted for seasonal fluctuations, up less than one per cent from a year ago.

Thursday, December 15, 2011

Toronto house prices hit new record- The Toronto Star



The Toronto Star's Susan Pigg  reports on Toronto's house prices:

The Toronto housing market slipped back into sellers’ territory in November, helping propel prices even higher to a record average of $481,305.
That’s a 2.1 per cent increase from October and, when adjusted for seasonal fluctuations, almost 10 per cent more than the average GTA home was worth a year ago, according to figures released Thursday by the Canadian Real Estate Association.
In fact, November sales across Canada were 7 per cent above the 10-year average for the month, resulting in the fourth highest level of sales on record for what’s typically the slow season, CREA noted.
A sold sign sits on the corner of Toronto's Manning Ave. and Ulster St.
Tara Walton/Toronto Star
While no one is uttering the dreaded B-word — bubble — as did Britain’s venerable magazine The Economist when it recently warned Canada’s housing market may be 25 per cent overvalued, the warning is clearly of concern among the country’s housing experts.
“With interest rates expected to remain low for longer, the housing sector will no doubt be closely watched for signs of excess,” say CREA’s chief economist Gregory Klump.
“That said, current trends for resale housing and new home construction suggest that tightened mortgage regulations are working as intended and fostering economic stability in Canada.”
A record November of sales in Halifax-Dartmouth, up a seasonally adjusted 34.7 per cent, helped offset a 10.5 per cent decline in sales in Toronto where 7,773 homes changed homes.
New listings across the GTA were down 4.4 in November while prices climbed by 9.7 per cent.
Despite economic turmoil in the rest of the world, Canadians continue to see real estate as a sure thing: A total of 432,048 homes have traded hands across Canada between January and the end of November, up 2.1 per cent from the same period last year, CREA says.

Monday, September 19, 2011

Artículo sobre Antonio Guerrero en la revista La Guía en Toronto

Antonio Guerrero de Guerrero Law se encuentra otra vez en una de las revistas de Toronto. Esta vez es La Guía que tiene una edición especial sobre México este mes para celebrar la Independencia de México y es ahí donde encontrarán la entrevista con Antonio.

Haz click en cada foto para hacerlo más grande.


Sunday, July 10, 2011

Salsa on St. Clair

Supporting our Latin community @Salsa on St. Clair, July 9, 2011. 
¡Viva la salsa!
¡Los chicos de Freestyle soccer hacen unas maravillas!
The boys at Freestyle soccer sure can do some amazing things!
Salsa en masse.

Tuesday, May 3, 2011

Thermal imaging- Find out where you are losing heat in your house

Below is an article by Ian Harvey written for the Toronto Star about thermal imaging, an interesting heat-loss detection system that has been around for a number of years and has now become quite affordable. 



What’s behind your walls? What you don’t see can hurt your home — but a simple and inexpensive service could be just the tool for peaking into the hidden recesses of your biggest investment.
Thermal imaging technology — taking pictures of objects with a special camera which sees minute variations in temperature and displays them in a corresponding colour scheme — has been around for decades but has only recently become affordable for the residential market.
“These cameras used to cost tens of thousands of dollars,” says Toronto electrical engineer turned thermal imaging specialist Gabriel Gal. “Even more recently, they were $10,000 but now you can get them for around $2,500.”
The same economics that has driven down the cost of your computer, laptop, big screen TV and digital camera, is also at play on these scientific devices. The real trick is being certified in how to read the  thermal images.
But for homeowners, it also means that for between $200 and $300, depending on the size of your house and how detailed a report you need, services like Gal’s Atlantis Thermal Imaging can identify issues such as faulty wiring, termite damage, uneven insulation, air leaks, moisture or condensation penetration, and where your in-floor radiant heating system has sprung a leak or whether it was installed properly.
“Even in my own house, I’ve found things I didn’t know about,” he says. “I renovated and had a new roof put on but the water and ice shield wasn’t laid properly. I found where the ice had started to push under the shingles.”
For home buyers and builders alike, it’s a small investment and could pay for itself since a standard home inspection may not catch hidden issues.
“With energy costs today, people want to know if they have a problem,” he says. “If they feel ‘ghosts’ or drafts in their rooms, they want to know where that leak is coming from and a camera allows you to find those things.”
For home buyers, he says, a thermal imaging scan can find problems they can demand be fixed or reflected in a better price; for builders it’s a way to ensure their sub-trades have done their job.
“I’m a certified home inspector as well,” says Gal, who also builds houses through his company Atlantis Homes. “And even with my experience, you don’t always see everything. There are some 80,000 homes sold each year in the GTA and only 70 per cent are inspected. Even fewer are thermally scanned.”
While the thermal imaging can’t “see” mould, for example, it can see moisture which shows up as a different temperature.
“It feeds on paper and the sugars in wood,” he said. “We can see the moisture which usually means mould, too.”
As a custom home builder, Gal knows the value of thermal imaging — and so does Claude Spethmann, who is also a custom builder
“We’ve had problems in the past with radiant floor heating which we put oak flooring over,” says Spethmann of Spethmann Works Ltd. “Sometimes they (the sub-trades) nail right through the pipes and cause a leak, which causes all kinds of problems.”
He hired Gal to image the floor to ensure there were no leaks.
“You energize the heating system and before it really heats up you can clearly see the lines,” Gal says. “If there’s a leak, you’ll see it start to pool.”
In other inspections, Spethmann was able to see insulation was not installed properly and was able to address the problem before turning the finished home over to his clients. “These are custom homes and people expect a level of quality,” he said.
Any tool that gives buyers an insight is invaluable, says realtor Don Gault of Royal LePage/Johnston & Daniel.
While a good home inspector is worth every penny, it can be hit or miss depending on the inspector’s skills and level of experience.
“I take my own advice,” he says. “With imaging, you can see things the naked eye would miss. It can also confirm suspicions.”
Home inspectors aren’t allowed to drill into walls or pull things apart to investigate forensically, he notes, but the thermal imaging can get to the heart of things.
“Nothing takes the shine off a new home purchase like discovering something you wish you’d known about before the offer. It’s rare, mercifully, but I wouldn’t buy from the older housing stock in Toronto without this kind of investigation.”

Monday, April 11, 2011

Choosing a Real Estate Agent

You see so many different For Sale, Sold and For Lease signs with so many different Realtor names. You browse the listings on MLS and see so many more. With so many agents out there, how do you choose? Do you go by their picture? Do you look at how many listings they have? What's a home buyer to do?
Here are a few recommendations when beginning your search:

1) Get referrals from family, friends and co-workers.  

2) Meet with a few agents to conduct mini interviews.

3) Check the online search of The Real Estate Council of Ontario to see if the agent is registered. RECO regulates the activity of trading in real estate in the public interest and has been put in place to protect your best interests.

4) If you are a seller, find out how much their commission is.

5) Normally, it is helpful if the agent is familiar with the area you are looking in. 

6) Choose someone who displays professionalism and a willingness to work for your needs.

7) Should you want, your agent should be able to assist you with other necessary real estate related services, for example, arranging a house inspection, arranging a mortgage and finding a real estate lawyer.

8) If you are selling your home, does the agent have a plan of attack for marketing your house. MLS, ads, open houses?
9) Not all agents work the same schedule. If you are only available to view properties on Sundays, make sure your agent works weekends. Communicate your availability during your interview with them.

10) This isn't a deal breaker, but if your sales representative has a website, that is a very good way of gathering even more information about them and seeing what affiliations they have.

Sunday, April 10, 2011

Did you know our children are struggling in school?

Latino students are struggling in our schools, but nothing is being done! As parents, we must support our children as they make their way through school and do everything we can to empower them during this time in order to succeed. 
Below is an article from Fox News Latino describing a study done of 60 Latino students in various Toronto high schools and the struggles they face.
---------------------------------------------------------------------------------------------------------

Pedro, a 10th grader whose family emigrated from Colombia a few years ago, was labeled a slow learner because he didn’t speak English. Rita, a high school student, said that when she arrived from Mexico, she was shunned and berated by her peers for not knowing English.
Both are students in the Toronto school district, which, with over 250,000 students and 600 schools, is both the largest in Canada and the one with the most Latin American students. And both were part of a study released last month which examined Toronto’s high Latino drop-out rate: About 40 percent of these students—nearly double the number of the overall population—fail to finish high school.
Compared to generations of Latin American migration to the U.S., large numbers of Hispanics started settling in Canada relatively recently. The first wave came in the 1970s, as political asylum seekers fled South American dictatorships. The largest wave, however, came after 2000, when the immigration debate in the U.S. became most heated.
About 350,000 Latin Americans are now in Canada, where the overall population is about 32 million. The largest concentration – a little more than a third – have settled in Toronto. But some say that the Canadian school system was not prepared for a sudden influx of Spanish speakers – which now total about 5,200 – and the young Latinos who migrated there have paid the consequences.
Rubén A. Gaztambide-Fernández, an education professor who headed up the University of Toronto’s years-long study, said many students told researchers scarce resources for Spanish speakers and economic stress impacted their performance.
They also said teachers and their peers had such negative stereotypes about them, that it bred low expectations.
“In the U.S., depending on where you live, all the stereotypes about Latinos tend to be bad, but at least there are a lot of stereotypes,” said Gaztambide-Fernández, whose final report, released this month, was 103 pages long. “What we found in Canada was that everyone assumes that because you are Latin American, you are Mexican. And because you are Mexican, you are poor, lazy and you belong to a gang. That was it.”
Gaztambide-Fernández believes the narrow view may be due to Latinos’ relatively recent arrival. “The only images many Canadians consume of Latin Americans are those that come from Hollywood movies,” he said.
A Puerto Rican Harvard University graduate, Gaztambide-Fernández moved to Toronto from Boston in 2006, around the time the Toronto school district began collecting demographic information about its students.
It was the first time the city was able to look into student success based on race and ethnicity, which turned out to be a long and arduous task. But when the results came in, the school district realized Latin Americans were dropping out at double of rate of the rest of the student population. No one knew why, so a group of Hispanic Torontonians decided to find out.
Sixty students from six Toronto high schools filled out surveys and were interviewed in focus groups or alone. Over and over again, Gaztambide-Fernández said, the students complained about not having enough Spanish-speaking support or ESL classes. Many reported they had to work to help their families, and said juggling those hours with school was affecting their class work. They also said the negative stereotypes sapped them of academic motivation.
“It is like a little burlap sack, you throw in discrimination, you throw in work, you throw in that you have no money, you throw in that, well, you don’t like school, you throw in this and you throw in that, and the burlap sack gets heavy,” said Mercedes, a 12th grader who was interviewed for the study, which published only first names. “It is not just one factor that leads you leave school.”
The 250,000-student Toronto school district, the largest in Canada, acknowledges that Latino students have struggled there. Members of the school board say they have tried to address the group’s problems in the past but nothing has worked. But now, following the University of Toronto study, the school board plans to launch a more far-reaching program.
The school board will adopt a series of recommendations in the study and has already reached out to the community, universities – and even school officials in New York – to address the issue.
“It is very clear to us that in order to help specific students improve their achievement we have to have innovative approaches,” said Jim Spyropoulos, Coordinating Superintendent for Inclusive Schools at the Toronto District School Board. “If we keep doing the same things, we are going to keep getting the same results.”
As part of its efforts, the district will kick off a pilot program in February that will offer cultural sensitivity classes to teachers so they could understand the Latin American culture, offer support programs for newcomers, and give low-income students part-time jobs at the school. Latin American history courses will also be part of the curriculum.
If the pilot program is successful, it will expand to all schools.
“What our kids keep telling us is, 'they don’t get us',” said Spyropoulos of the school board. “This is our best attempt to try and support them.”

To reach the writer, email carolyn.salazar@foxnewslatino.com

Wednesday, April 6, 2011

Entrevista del 23 de febrero en AM1610 Voces Latinas

Aquí se encuentra la entrevista del 23 de febrero de Antonio Guerrero con Silvia Mendez en radio AM1610 Voces Latinas.

Haz click en el logo para escuchar la entrevista grabada.





Saturday, March 26, 2011

Mastercard commercial

This is somewhat out of character, however this video caught our interest, because of the Spanish of course!


We sat mesmerized, not knowing what the commercial was for. We threw out a string of guesses, and were then surprised to see that it was for Mastercard!


For those who haven't seen this, check it out.





Tuesday, March 22, 2011

Taping for Now What? Rogers TV / Grabando para Now What? Rogers TV

Today, Antonio Guerrero had the pleasure of being interviewed by Martha Pinzón from the Rogers TV show Now What?.
He was invited to the show to briefly speak about divorce and alternatives to court proceedings.
The show will air in two weeks at which point we will upload the clip.





Hoy, Antonio Guerrero tuvo el privilegio de ser entrevistado por Martha Pinzón de Rogers TV del programa Now What?.
Fue invitado al programa para hablar en breve de los temas de divorcio y alternativas al proceso judicial.
El programa estará en el aire en dos semanas en cual momento cárgaremos la entrevista.


Grabando para el programa Now What?

Martha Pinzón y Antonio Guerrero

Monday, February 7, 2011

New Mortgage Rules

Changes to the rules for mortgage lending received a lot of press in the past week. However, these changes won't affect most borrowers significantly.
The March 18, 2011 changes are really phase three of a gradual return to what I would call normal mortgage lending rules. In the “old days” - like 10 years ago - home buyers needed a minimum 10% down payment, they needed to pay for CMHC mortgage insurance in order to protect their lender if they had a down payment smaller than 25%, and they had to pay off the mortgage within 25 years. Even after the most recent changes, a home can be purchased with 5% down and paid for over 30 years. No wise person would amortize over more than 30 years, but you can still do that if you have made more than 20% as a down payment. If you are refinancing an existing home, you can still borrow up to 85% of its value, although down from the previous 90%. The third change – effective April 18, 2011 - is going to make lenders more cautious, because it removes the government insurance protection on home equity-backed lines of credit. These have been a fabulous business building tool for banks and credit unions, as well as a convenience for homeowners. This change simply means that the bank or credit union will have to be more careful to make sure you can repay them, because CMHC is no longer guaranteeing it.


as reported in The Viewpoint of the Clearsight Investment Program

Friday, February 4, 2011

Have you considered mediation?

Services are provided on-site at some family courts, otherwise sessions take place at the mediator's office.


Family mediation services are available to you to help you resolve child custody and access, child and spousal support, and division of property issues. Some family mediators can also help with child protection disputes, although these mediators require additional qualifications.


Contact Guerrero Law if you would like to find out more about mediation.