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By Elad Retrac 24 July 2019 9 min read

Are you ready to be a homeowner?

Home ownership is an exciting step-until you begin to consider mortgages, budgeting and all the other fees that come along with it. Don’t fear! We have put together our tips to navigating the uncertainty that is purchasing your first home.

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Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve.

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[Quiz] Find your dream home— should you buy a condo or a house?


Self Checklist

This checklist highlights 16 areas to pay attention to when shopping for a resale home.

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

 

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

 

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

 

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

 

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

 

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

Shinner ledge casper slide birdie bank tailslide nollie. Justin Regan invert slide Kevin Harris birdie frigid air sponsored carve. Full pipe acid drop half-cab hospital flip baseplate nollie handplant. Trucks hard flip transfer hang ten 270 finger flip Steve Caballero bank. Axle set switch blunt rocket air lipslide yeah crail grab. Bigspin ollie hole body varial gap Japan air Wallows chicken wing nose. Bruised heel skate or die Kevin Harris concave fakie out downhill Paul Rodriguez shoveit. Sketchy frigid air Venice nosegrind aerial casper mini ramp Primo slide. Pivot 720 risers griptape pump mongo stoked. Kickturn nose grab face plant judo air trucks bail Streets on Fire grind. Nosepicker kickturn judo air boneless backside boardslide slide.

Video: This is a sample video. I hope you enjoy.


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""I'm a quote and you can't stop me. I'm a quote and you can't stop me. I'm a quote and you can't stop me. I'm a quote and you can't stop me.""

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Frequently Asked Questions

Yes, you can. The Cashable GIC can be held jointly as the non-registered investment under multiple names.

You can invest with a non-registered Cashable GIC, or you can go for one of our registered investments by investing in a TFSA or RRIF. The TFSA and non-registered Cashable GIC are available for 1 year terms, and the RRIF is available for terms between 1-5 years. How you choose to invest all depends on your goals.

Non-Registered Investments, TFSAs & RRIFs

See current rates (non-registered)

TFSAs (See current rates)
If you have a TFSA, any money earned or withdrawn is non-taxable—that is, all interest, dividends or capital gains earned are tax free. If you withdraw an amount from our TFSA, you can re-contribute that same amount the following year or any year after that.

Registered Investments (See current rates)
With an RRIF, you'll be making annual withdrawals. While there are regulations governing the minimum amount you must withdraw, the actual amount will depend on a variety of factors. ATB advisors can help you make the right decisions. Amounts withdrawn in excess of the minimum amount will be subject to withholding tax at the same rates applicable to RRSP withdrawals. If you withdraw early, you'll receive a pro-rated interest rate based on the length of time you've invested in your RRIF.

When you cash a GIC, you get your principal back along with interest earned at the GIC's standard rate. That means that if you have a GIC designed to be 'cashable' before the end of its term, your principal earns full interest for as long as the money remains in your GIC for the required term.

Some cashable GICs have restrictions on specific portions of your term during which you can access your funds at the full rate of return.

When you have a GIC designed to be 'redeemable' before the end of its term, you can still get your full principal back, but with interest earned at a lower rate than if you left your principal in the GIC for the full term.

Redeemable GICs are typically redeemable in any point—though how soon you redeem your principal may affect how much interest you earn.

You can certainly use both an RRSP and RRIF in your investment journey. What you should be aware of is that your RRSP has to be closed by December 31 of the year you turn 71. What should you do with your investment then?

Convert your RRSP into a RRIF to avoid a large tax bill and to start enjoying your retirement. While the required minimum annual payment needs to be taken out, your money still accumulates tax-free until it's withdrawn and if you choose the Cashable GIC RRIF, you get the safety and security that come with investing in a GIC. The full amount of your original investment amount (the principal) and the interest you earn are fully guaranteed.

Reasons to be positive Reasons to be negative
Canadian economic data generally continues to be supportive of the Bank of Canada’s position to remain neutral on rates. The result of this has US/Canada 2-year rate spreads remain at their narrowest levels since 2017 USD still seen as a ‘safe-haven’ currency in a period of global uncertainty. Note that the DXY is at its highest level since May, 2017.
Canadian economic data generally continues to be supportive of the Bank of Canada’s position to remain neutral on rates. The result of this has US/Canada 2-year rate spreads remain at their narrowest levels since 2017 USD still seen as a ‘safe-haven’ currency in a period of global uncertainty. Note that the DXY is at its highest level since May, 2017.
Canadian economic data generally continues to be supportive of the Bank of Canada’s position to remain neutral on rates. The result of this has US/Canada 2-year rate spreads remain at their narrowest levels since 2017 USD still seen as a ‘safe-haven’ currency in a period of global uncertainty. Note that the DXY is at its highest level since May, 2017.
Canadian economic data generally continues to be supportive of the Bank of Canada’s position to remain neutral on rates. The result of this has US/Canada 2-year rate spreads remain at their narrowest levels since 2017 USD still seen as a ‘safe-haven’ currency in a period of global uncertainty. Note that the DXY is at its highest level since May, 2017.

​Find the savings investment that's right for you

Pros Cons
• Detached houses and the land they sit on tend to
appreciate in value over time.
• You are able to change and renovate a house as dramatically as you’d like.
• A yard provides personal space to enjoy the outdoors and grow a garden during the summer months.

• Maintaining a yard may mean spending time, energy and money on lawn mowing, tree trimming, landscaping, etc. And you’ll have to shovel the snow off the sidewalks and driveway during the winter.
• Insurance on a house is often more expensive than on a condo.

ATB Wealth experts are ready to listen.

Whether you're a beginner or an experienced investor, we can help.