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BMO Bank of Montreal - Hok Cheung Lau (Tommy)

 

When it comes to paying down a mortgage, your repayment schedule is structured so that in the early years, a greater percentage of each payment covers interest charges and a smaller percentage covers principal repayment. Over time, this changes so that a greater percentage of each payment goes towards paying down the principal, and less towards paying interest.

The more of the principal you pay down, the greater the equity you build up in your home. Basically, equity is the amount of your home that you own. For example, if your home is worth $350,000 and your mortgage is for $300,000, you have $50,000 in equity. So if you’re looking to own your home, you’ll need to know about choosing a mortgage that’s right for you.

 

Google is making a giant change this week that could crush millions of small businesses – Apr 21/15

Google has made a major update to its mobile search algorithm, the move is causing ripples across the web. Websites not deemed mobile-friendly will be dropped down the search rankings, dramatically reducing the number of visitors to a site. Search engine ranking experts have called the potential fallout from the changes "mobilegeddon". Businesses at risk are those who don’t know about it.

After 21 April 2015, a lot of small businesses are going to be really surprised that the number of visitors to their websites has dropped significantly. This is will affect millions of sites on the web.” Companies spend significant amounts of money and effort to appear high up in Google rankings, with places on the first page of results highly prized. Text that is too small to read on a mobile device, plus links that are too close together, will fall down the mobile ranking list. Most businesses are now getting 50% to 60% of search results from mobile devices. If you’re not ready your search results are going to halved!

How are business
AFFECTED by Mobile?
90%
Take action
from a
search
Defined as call,
visit or
purchase
94%
Have
searched
for local business
Are they finding
your business
first?
57%
Use their smartphones to search daily
Often they search
multiple times
per day

With Homemove.biz your mobile site is FREE. Easily changeable and exportable to work with your other websites.

For more info CLICK HERE or call Clements Clements at 1-877-613-2232