Canada Five
Canada Five
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Five Fingers Rapids on the Yukon River, Canada $19.99 Five Fingers Rapids on the Yukon River, Canada Photographic Print by Anthony Waltham. Product size approximately 9 x 12 inches. Available at Art.com. Embrace your Space – your source for high quality fine art posters and prints. |
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Canada $21.9 Canada |
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PUR 18 Cup Dispenser with One Pitcher Filter DS-1800Z $24.05 It conveniently fits in the sink for refilling with a special fill-tray design that helps distribute weight and handles that make it easy to carry. Plus, the slim, space-saving design makes optimum use of your refrigerator shelf…. |
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Cuisinart GR-4N 5-in-1 Griddler $185.00 The Cuisinart(tm) Griddler makes “multifunctional” an understatement! Make perfect panini… plus! With four separate cooking options, it can handle everything from pancakes to sausages to grilled cheese to steaks, hamburgers and panini. It helps you prepare more servings of more kinds of food in less time, so you can cook for a crowd — no one has to wait!Simply change the cooking plates and adju… |
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Demarle Silpat Non-Stick Baking Mat A must-have for every pastry chef, this thick but flexible silicone baking sheet acts as a non-stick work surface, needing no grease Freeze or bake with it: withstands temperature from -40 to over 480F Great for all your chocolate & sugar work Can be reused thousands of times SilpatCare Instructions Handling Work with Silpat ona flat surface with the smooth side facing up (Silpat logo up). Check t… |
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Best of Elmo’s World DVD Collection $20.51 Three-disc set includes “Head to Toe with Elmo,” “Flowers, Bananas & More!,” and “Birthdays, Games & More!”… |
Mortgage Brokers' Accreditation In Canada - Know What To Look For by Diane Canada
A recent bill in the US, responding to the shaky housing market there, has focused on mortgage brokers and the mortgage industry. It is establishing new regulations and accountability for mortgage professionals, requiring background checks, testing, registration and annual continuing education courses.
Canadians seeing this might be wondering what regulations are in place to govern Canadian mortgage brokers. While there is a bit of a mixed bag, this article attempts to sort it all out.
Provincial Regulations
A recent Calgary Herald article noted that in some provinces there is no licensing of mortgage brokers, while others have strict licensing requirements.
At one end of the scale are some of the larger provinces: Alberta requires brokers to take a course to earn a license before setting up shop; Ontario enacted a law in mid-2008 that requires brokers to have a license based on standards laid out by the Financial Services Commission of Ontario; British Columbia has licensing standards for its mortgage brokers, as does Saskatchewan.
In an example of the other extreme in licensing, Nova Scotia was asked as recently as June 2008 to tighten its regulation of mortgage brokers.
CAAMP
The Canadian Association of Accredited Mortgage Professionals (CAAMP) was behind the recommendation to the Nova Scotia government. The CAAMP offers an Accredited Mortgage Professional (AMP) designation that acts as a proficiency standard for mortgage brokers in Canada. Notwithstanding any provincial licensing requirements, the AMP designation aims to standardize mortgage professionals at a national level. In the words of the CAAMP, the AMP:
"Sets a single national proficiency standard for mortgage professionals; [w]as introduced...to enhance the level of professionalism in the mortgage industry; [and] demonstrates commitment to ongoing education and ethical behaviour..."
To earn the AMP designation, mortgage professionals must have specified levels of experience in the mortgage industry, based on the association's Two Year Rule or Five Year Rule.
The Two Year Rule requires a minimum of two years' work experience and completion of the CAAMP exam or equivalent proficiency test. The Five Year Rule requires fives years of work experience and recommendation letters from two AMP-certified professionals.
The AMP designation also requires completion of the CAAMP's pre-accreditation course, which covers ethics and responsibilities for mortgage professionals.
Like many professional designations, holders of the AMP must work to maintain their accreditation. They are required to operate at all times by the association's stringent code of ethics and they must complete a minimum of ten hours of continuing education credits each year.
Choosing a Mortgage Broker
Buying a home,looking for a mortgage, getting the right legal advice can be a harrowing experience.A mortgage broker can solve all of these issues in a a one stop shop solution. So, choosing a professional mortgage broker should be the first thing on your list before you sar house hunting.
If you live in a province that does not require licensing of its mortgage brokers, you would be wise to look for other certifications, like the AMP, to ensure that you have selected a broker who follows strict professional standards.
About the Author
For more information on mortgage brokers in Canada and home refinancing contact a mortgage specialist at http://www.canadianmortgagesinc.ca/mortgage_brokers/
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(No)Where To Go $110.99 Bentley's research examines the experiences of five lesbian and bisexual young women who were homeless in the Lower Mainland of British Columbia, Canada. Based on key informant interviews, Bentley undertakes an intersectional analysis of gender, race, class, and sexuality in an adapted institutional ethnography that explores what the young women's stories reveal about key social institutions. Their narratives disrupt mainstream, common sense notions about street youth that position homes and families as unproblematic sites of unconditional love and safety. Bentley's narrators reveal that their public school experiences reflected an institutionally violent atmosphere for queer youth. The young women also discuss encountering troubling barriers to accessing youth housing, BC Benefits, police, mental health, and addictions services. Bentley's research is essential reading for all those professionals and advocates whose work influences the lives of young women, including policy makers, teachers, school administrators, addictions counselors, health care staff, social workers, as well as the post-secondary education programs that provide credentials to these professionals. |
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1710 by Country: 1710 in Denmark, 1710 in France, 1710 in Great Britain, Battle of Helsingborg, Battle of Brihuega, Battle of Villaviciosa $14.14 Purchase includes free access to book updates online and a free trial membership in the publisher's book club where you can select from more than a million books without charge. Excerpt: Events from the year 1710 in Canada .Events Births Deaths A hyperlinked version of this chapter is at Events Ireland's Oldest Brewery Founded Smithwick's (pronounced /smks/ "smith-icks") is an Irish red ale style beer from Kilkenny in Ireland. Smithwicks was originally brewed in St. Francis Abbey Brewery in Kilkenny, known as 'Smithwicks Brewery' until c.2000. The brewery is situated on the site of a Franciscan abbey where monks had brewed ale since the 14th century, and has ruins of the original abbey on its grounds. It is Irelands oldest operating brewery, founded by John Smithwick in 1710 on land owned by the Duke of Ormonde. It is the major ale producer in Ireland. It was purchased from Irish Ale Breweries in 1965 by Guinness and is now, along with Guinness, part of Diageo. Smithwicks for the domestic market is brewed in Kilkenny and the higher strength export variety is brewed in Dundalk. Smithwick's is listed in the top five best tasting beers by the McHale beer rating club of Ireland.Births Deaths A hyperlinked version of this chapter is at ... |