The Bank of Canada's rate announcement will be happening later on this morning. Most people now are saying "increase"! There are 3 more of these scheduled announcements before the end of the year. You can see how it can be scary for some people who are already pushed to their limits.
We are in the 2nd half of the mortgage paying game where we pay way more principle than interest so if the rate increases, the effects aren't that extreme for us. Plus we are paying it off aggressively so each rate increase will be on a significantly lowered mortgage amount. I'm planning as if they are going to increase each opportunity they have, just in case.
A client of mine has a side business of coating asphalt driveways. They came by to do ours yesterday at a cost of $147. Other quotes I've gotten were in the $80 range for labour if you provide your own supplies. They did a great job and our driveway sorely needed it. We won't be able to drive on it for another day yet so it can cure properly.
I have been following your transition of your work situation and now I have to ask - "what" is it that you do? I realise that you won't want to give too many details but can you share "what" it is that you do (profession etc)?
ReplyDeleteAnd as a parent of spunky children - your home visits are a brilliant idea - I am sure it will work out for everyone involved.
joanne
I do home visits as part of my job, and generally, it's quite successful. As the first commenter mentioned, we don't know what profession you're in, but in mine, seeing how people live and having the opportunity to meet and talk to their family members is often provides really useful information. Plus, clients are often more comfortable in their own homes. I hope your mini-experiment goes well!
ReplyDeleteHi Joanne & psychsarah!
ReplyDeleteI do private health assessments. The home visit was surprisingly fun and relaxed. Right now I'm charging my regular rate but if I do decide to make it part of my routine, then I'll come up with a home visit price. I'm not sure how I'll feel in the winter time though...