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Top 5 Reasons To Buy A Home During The Holidays : Why it Makes Sense to Buy a Home at Year’s End Home Purchase Loan Borrowing   Few people like to uproot their family and go through the stresses of home buying and moving during the holidays, but for those who do not mind, the holiday season may provide home buying bargains. Here are a few of the reasons why. Less Market Activity – Lots of family, school, and work activities, combined with the weather in many locations, lead to fewer real estate transactions over the holidays. Since fewer people overall are looking to buy houses, you will have less competition for your preferred house – and this gives you leverage. Holiday home sellers often have to adjust their price downward or make other concessions if they want to sell. Keep this in mind as you search for homes. Bargains may be available, and listed prices may be more open to negotiation. Motivated Sellers – People who are selling their homes over the holidays often have great incentive to sell, such as an upcoming job relocation. If a house has already been on the market for some time, that incentive is multiplied. You may be able to use this urgency to your advantage (assuming you are not in a similarly urgent need to buy). Negotiate fairly but firmly with sellers and you should be able to extract a lower price and/or other concessions like paying part of the closing costs.     Potential Tax Advantages – If you itemize your taxes, you can deduct any points you paid upon closing, as well as property taxes and mortgage interest. Whether it is to your advantage to buy before or after year’s end depends on factors such as how many other deductions you have this year and expect to have next year. It is best to consult with a tax professional before purchase. Even though you do not want to make a decision on a home purchase strictly for tax reasons, it could be to your benefit to close before the end of the year. Better Interest Rates – Within the general trend of interest rates, there is…

Canada's immigration website crashed due to traffic surge : Canada's immigration website crashed Published Wednesday, November 9, 2016 10:04AM EST    Citizenship and Immigration Canada’s website was “temporarily inaccessible” to users as the U.S. election results were being tallied, the federal government says, confirming that the outage was due to a surge in people trying to access it. As the results of the U.S. presidential election poured in on Tuesday night, users complained over social media about the apparent website outage. In a statement to CTV News on Wednesday morning, Immigration, Refugees and Citizenship Canada spokesperson Lisa Filipps confirmed that the website, “became temporarily inaccessible to users as a result of a significant increase in the volume of traffic.” Shared Services Canada “worked through the night and continues to work to resolve the issue to ensure that the website is available to users as soon as possible,” Filipps added. The outage prompted Twitter users to speculate whether it was an indication that Americans displeased with the presidential race results were considering moving north. However, moving to Canada isn’t as easy as some might assume.   Courtesy Of : CTVNews.ca Staff  Published Wednesday, November 9, 2016 10:04AM EST

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