Staff Training Made Easy and Affordable for Fire Safety

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This content provides training resources for fire safety, covering topics like the R.A.C.E. fire response procedure, fire safety training for staff, and essential steps to take in case of a fire emergency. From understanding fire safety protocols to practical guidance on evacuation and extinguishing fires, this comprehensive training aims to equip employees with the necessary skills to ensure workplace safety.

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Uploaded on Feb 18, 2025 | 0 Views

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Preapprovals & Mortgages

Role of a Mortgage Broker Independent of any Bank or Lender Access to Different Rate & Product Options Limited Credit Inquiries Coordinate with Realtor, Lawyer, and Home Inspector Advice for Lower Costs - Now & Later No Cost to You!

Preapprovals Documents Required Income Employed Employment Letter Paystub T4 s Self Employed T1 Generals Notices of Assessment Down Payment Savings (Chq Accts, TFSA, FHSA) RRSPs Gifted or Borrowed Closing Costs & Property Taxes Completed Electronically

Medical Student/Resident Considerations Stipulated income - 10% down Medical Student LOC * can be used for down payment - flex down - interest rate premium * balance added to debt servicing ratio - 3% or amortized Example: $100,000 owing 3% = $3000/month OR amortized, 5.25% over 25 years = $595.92/month Co-signor option - family member

Purchase Plus Improvements How Does it Work? What do I do to Apply? When Do I Get the Money? What Improvements Qualify?

Scenario: $300,000 Mortgage 4.54% Fixed Rate or 5.75% Adjustable Rate Mortgage Prepayment Penalties Break Mortgage in Two Years Variable & 5 Year Decrease 1.00% 3 Year Decrease 1.50% Type Fixed, Big 5 *Scotiabank Fixed, Preferred Variable or Adjustable Monthly Payment $1667.10 $13,500.00 $1667.10 $4500.00 $1875.07 $3415.29 Penalty All calculations speculation only, based on projection of future rates, with no guarantees of future rate movement.

Consider Your Situation Every situation is different. There isn t simply one right choice. Fixed? Variable? Open? Closed? Consider Future Plans Might you sell? Could penalties be triggered? Consider Risk Tolerance What is your comfort level? Does it fit your cashflow?