Real Estate Market in Metro Vancouver

Real Estate Market in Metro Vancouver

Connect with Neeraj Kumar if you are wondering how is real estate market is doing in Vancouver. Neeraj can Provide Great Insights of Real Estate in your neighborhood. Call him today at 604-363-2370 or visit his real estate website http://www.nkumar.ca to find your dream home. 

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Neeraj Kumar is a Real Estate Business owner who operates in Metro Vancouver. He is a Yoga Enthusiast and a community leader. Visit www.linkedin.com/in/kumar-neeraj to connect with Neeraj on LinkedIn.

Top 5 Tips For First Time Home Buyers

Top 5 Tips For First Time Home Buyers

1. Determine how much you can afford

This should be first thing you should do. Talk to mortgage professional such as Mortgage Broker and check how much you can afford.

2. Prepare a Budget – Do not forget about the closing costs

There are some closing costs involved such as property transfer tax, lawyer’s fees, moving fee etc. The cost would vary and will depend on the purchase price.

3. Tax Credits

Talk to your accountant about tax credits. Fortunately, there are some tax credit available for first time-home buyers. Also talk to your accountant or Financial Advisor about the RRSP Home Buyer’s Plan.

If you have a Registered Retirement Savings Plan (RRSP) set-up, you can borrow money you have saved in this plan to probably use it for down payment.

4. Prioritize your preference

Based on your affordability, check what you would prefer condo, townhouse, or detached house.

5. Work with great real estate agent

Make sure you work with a trusted & reputable real estate agent. Finding the Right Home starts with choosing the Right Realtor. Once you know the price you can afford & your budget is in place, talk to your trusted Real Estate Advisor to check the prices of the properties in your preferred neighborhood. A Real Estate professional can set up an automatic search for you so that you get a notification as soon as a listing that meets your criteria gets listed.

Enjoy your home buying experience!

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Neeraj Kumar is a Real Estate Business owner who operates in Metro Vancouver. He is a Yoga Enthusiast and a community leader. Visit www.linkedin.com/in/kumar-neeraj to connect with Neeraj on LinkedIn.

What Should I Do First, Yoga (Asana) or Pranayama?

What Should I Do First, Yoga (Asana) or Pranayama?

If you have this question what should be practiced first Yoga Asana, Pranayama, or meditation then you are not alone. I would quote a very famous Hatha Yoga book here to answer this question. Hatha Yoga Pradipika commentary by Swami Muktibodhananada (Yoga Publications Trust, Munger, Bihar, India) explains:

After asanas, pranayama should be practised to purify the nadis. For this purpose nadi shodhana (nadi purification) pranayama is best. Then mudras should be performed to channelize the energy and create specific attitudes of mind, and bandhas to force the energy upward. In hatha yoga the sequence is – Asanas first, then Pranayama, Mudras and Bandhas. Lastly one should sit quietly in a meditative pose.

Personally, I start my practice with Sukshma Vyayama or light exercises to loosen up followed by Asasanas, Pranayama, and then Meditation if I have full hour to practice. The asanas help remove physical blockages in the body and after performing Asanas the energy flows freely and you are able to sit comfortably to perform Pranayama. After Pranayama, it is easy to sit in a meditative state.

In Hatha Yoga they say if you can control (regulate) your body and breath, you can control your mind to a greater extent.

Reference:
Hatha Yoga Pradipika commentary by Swami Muktibodhananada is a highly recommended book. Originally हठयोगप्रदीपिका Hatha Yoga Pradipika was written in Sanskrit by Swami Swatamarama in 14th Century.

5 Things You Can Do To Come Out Stronger

5 Things You Can Do To Come Out Stronger

While Covid 19 has given some tough time to individuals and Business, it has provided some extra time to everyone. As the saying goes “This Too Shall Pass” but use this extra time to come out stronger at the other side. There are few things you can do to come out as a winner:

  1. Health : Dedicate some time for your physical & mental health. Take care of your physical health- Exercise regularly. Take care of your mental health. Try Yoga & meditation if you have never tried it before. Exercise & meditation promotes good hormones in the brain that improve your mood and make you more relaxed.
  2. Introspect: Make a plan to come out stronger than before. Spend time with yourself, reflect on your life, know yourself better than before.
  3. Learn new skills: Now you have enough time in hand apart from doing regular chores. Learn something new which can boost your career. Get prepared, when the economic engine starts again you should be on the top of the list of your employer or your clients.
  4. Sharpen Existing Skills: Take up online courses to sharpen your professional skills. There are various online classes you can take up and sharpen your existing skills at the comfort of your home. You can choose from a plethora of courses which are available on online platforms.
  5. Make Your Budget: Congratulations if you already have budget planned! If not, it would be a wise idea to make a budget while you have time. Covid 19 has affected all markets and you may be concerned about your money or cash flow. Savings take time, thus you might want to build some cash flow which will prepare for these uncertain times. Thanks to Governments for stepping up and helping the residents.

Few more things you can do while in quarantine. Stay in touch with your friends & family. Say hello to those whom you have not called in a while. Help your community when and wherever you can. Do not forget to relax! Stay Safe! Stay Healthy!

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Neeraj Kumar is a Real Estate Business owner who operates in Metro Vancouver. He is a Yoga Enthusiast and a community leader. Visit www.linkedin.com/in/kumar-neeraj to connect with Neeraj on LinkedIn.