Mindblown: a blog about philosophy.
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Income taxes down, property taxes up — especially in Calgary: How Alberta Budget 2025 affects you
Alberta's Budget 2025 introduces a personal income tax cut, reducing the rate on the first $60,000 of income from 10% to 8%, saving residents up to $750 annually. However, property taxes will increase, particularly in Calgary, where the provincial portion for education funding will rise from 28.5% to 31.6%. New fees for land titles and…
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Cost of historic Calgary hailstorm continues to rise
Calgary's record-breaking hailstorm in August 2024 has resulted in insured losses of $3.25 billion, making it the second-costliest disaster in Canadian history. Over 130,000 claims have been filed, with auto insurance claims representing more than half. Nearly 60,000 homes were affected, and while progress has been made in repairs, challenges remain due to strained resources.…
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Tips for Selling Your Home After the Holidays | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
Post-holiday market activity shrinks inventory and boosts buyer interest—price competitively to maximize offers. Declutter, depersonalize, and keep your home clean inside and out to make a great first impression
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Why Year-Round Tax Planning Matters in Alberta | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
Effective tax planning in Alberta should be year-round, not just during tax season. Early planning helps maximize tax savings, unlike last-minute decisions with limited options.
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Choosing a Financial Advisor: Fees Matter | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
Financial advisors may be paid through commissions, fees, or salary, affecting their advice and interests. Commission-based advisors earn by selling products, but their advice may be influenced by profit motives.
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Happy Women’s Day | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
International Women's Day, also known as IWD for short, grew out of the labour movement to become a recognized annual event by the UN.It all started in 1908 when 15K women marched through NYC demanding shorter working hours, better pay and the right to vote. Things were made official in 1975 when the United Nations…
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Calgary Real Estate Forecast: 3% Price Growth | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
In 2025, CREB expects more listings priced above $600K due to easing lending rates and pent-up demand. Sales in 2025 are anticipated to align with historical trends, slightly higher than in 2024.
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How to Pay off Your Mortgage Faster | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
Paying off your mortgage faster frees up finances, builds equity, and saves significant interest over the loan’s lifespan.Increasing payment frequency with accelerated bi-weekly or weekly payments reduces interest costs and shortens mortgage amortization.
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Competitive Mortgage Offers Expected to Dominate 2025 | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
With inflation at 2% and rate cuts continuing, Canadians can expect lower mortgage rates in 2025. Variable-rate mortgages are expected to fall below fixed rates in 2025 as they gain renewed interest.
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Will Rising Property Values Change Mortgage Strategies? | Tailored mortgage solutions to secure your dream home, start your process online with Mandeep Maan at breezeful Mortgages
Around 100,000 mortgage renewals each month in 2025, with lenders competing for clients due to rate shifts. Property values may climb over 4%, increasing the average mortgage size for buyers with larger down payments.
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