You will need the Flash plugin to view this publication

Download the Flash plugin for free here. Just refresh this page after installing Flash.
Also make sure that javascript is enabled in your browser.

Alternatively, you can download this publication in PDF-format - Click here.

Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Page 11
Page 12
Page 13
Page 14
Page 15
Page 16
Page 17
Page 18
Page 19
Page 20
Page 21
Page 22
Page 23
Page 24
5abcreditscorewhenisagoodtimetobuyfindingyourcomfortzonehomeownershipABetterwAytospring2013 WithalittlehelpfromGenworthCanadashoppingforyourrsthomedoesnthavetobecomplicated.Weunderstandtheimportanceofowningahomeandhavingtheinformationyouneedtomakesmarthomeownershipchoices.Ourpromiseistohelpyouwithhomebuyingbasicssuchasunderstandingyourdownpaymentoptionsmaintaininggoodcreditandstayingonbudget.FindusonFacebookVisitwww.GenworthSmartShopper.cafortipsandresourcestohelpyouachieveyourhomeownershipdreams.2013GenworthMICanadaInc.Ifonlyshoppingforyourrsthomewasthiseasy genworthcanadaspring20133coverphotogettyimages4TheeDGe65siGnsyourereaDyorhomeownership9homebuyermisTakes10howTohanDleabiDDinGwar12howTobuilDabuDGeT16kiDsanDmoney18howToinDainancialaDvisor205myThs21whaTsonline22lessonsrommyirsThomepurchaseproDuceDbyspringhAssprungfromtheeditorwhatsinthisissuesgdgtttd.btgttdttztt.TtaBwyhmotgt.o4fdtddtfgtfdt.ftttd.atgtdtgkc-derichdadftgtttttttt.o16fdttgdtgt.pdtftddt.o4thmeuwkttt.eda8-12ttddtttdttg.tdttdggg..ctdfddtddtttgttdd.pgttgghbgdgttd.sDebbieMcPhersonSeniorVice-PresidentSalesMarketingGenworthCanada photossimonpottergettyimageshousestheedgenewsandviewstohelpyouachievehomeownershipsoonerhomeownershipBythenumBers60000cb2012gc.450000c2012.43f-bf.WhattheproknoWsBorrowersthinkthatiftheircreditscoreishightheywillgetabettermortgagerate.Whileagoodscoreisanimportantpartoftheapprovalsprocessoncegrantedamortgageeveryonedeservesthebestrate.-PeterMajthenyimortgagebrokerMortgageArchitectsinTorontodidyouknowibbb.t.a. genworthcanadaspring20135photocavanimagesgettyimagesrealtorTnupty-ntlkingtdnizandvltanitiixptdtiinitiacanada.TiginggntilllputaintndiniuaktvtnxtyaadingttlattndptladyGntcanada.TuingaktincanadaainaltyupptdyginguanppulatinandipvntttunplyntataybianhulyaianandceoGntcanada.wttyaft-tiuypty-ntlkingtdnizpinalkingatutndainappulaptinuancanadian.whAtthecondomArketlookedlikein2012Theaverageresalepriceofcb270000.NewcondobuildsinOttawab105.Calgarysawa14.Edmontonwasmostaffordableb211000.NewbuildsinTorontohita.lookingtothefuturerxx.hx2014Toronto322446Vancouver371854Calgary255467Montreal278176sucnnbadcanadawint2013mtplitancndoutlkrptCondosaCrossCanada photogettyimagesyvdvtgdtdtvtddttttw.btdtwysttlvgGwtcdtfdgtfvttg.savatlatfvctaatmtgggGwthmbuy95tft-ttftwtttfvtdw.sttgvgddgtvttfvt.itdgttwwfdwvgwtlvg.vt12twttdttdgt.Btxtahvgdwttdtg.ydtttttgwtttttttlvg.Txttddttgdt.dkudwtwdttdtgggdtt-tgt.ydtdtdtdgtwgwtttIsittimetotaketheplungeHereshowtoknowifyourepreparedtobuyahomeByJaclynTersigni5signsyourereAdyorhomeownership genworthcanadaspring201375signsgtggdwtgdgttgd.ex.wfdttggttdvd.Blactcawdttttqtvtqdlvg.adgtcdgvtgt600twtvtqtgg.btlvgwwtvgttwddgttttttgdwttdwttd.hdggtwtdt650g.adtgdtddtdtwttwd1500t.gttttavcydtdwtrealTordtgglvgdv.bgdttggt.afttdgtdvttdwt.s18twtfdtgt.didyouknowthegovernmentoersbeneitsandincentivesorirst-timehomebuyerst-thbtxcllla5000non-refundableincometaxcreditonaqualifyinghome.l..thbpllf-25000taxfreefromRRSPs.Youllhaveupto15yearstopayitback.v..mmREADThinkyourereaDyorrealesTaTeinDmoreTipsorirsT-TimehomebuyersaTgEnwoRth.cA broughttoyoubygncndunnunnhnedunWeekfromApril8-12bringsyoundnnundkbun.agncndunbunbudnnnnnnnddndnbud.ln.n.dhnedunwkfndnunddnnudnrnfnnfhnncnupufndunbkndu.v.n.JoinusforApril8-122013WeekHomeownersHipeducation genworthcanadaspring20139wAtchormoreTipsromanTonionoGueiracheckouTourviDeoabouTchoosinGTheriGhTneiGhbourhooDaTgEnwoRth.cABeginnersvtgttwdttdtygttwtt.Tygttywtt-twwdcdgot.-drealToratngwtdt.NotworkiNgwithaNageNtagwtytwtngwgtygwttyd.TtgtttyttddtwttrealTors.xytgtttcdrettatmtltgsmlswtt24d.byttyfdtgytgtdyd.arealTorwdwdtywwtytd.NotgettiNgasecoNDoPiNioNoNMortgageiNterestratessgdgtttdytddngy.hdgtggwwtdtdgdytttt.mtwtydtdttty.MakiNgaNeMotioNalDecisioNatt-tyngy.Tywttytgddwttdgwttywt.Ttyfdttttyyd.ayrealTortdtttyttdtwtttwtt.hiriNgaNuNqualifieDhoMeiNsPectoraqfdtttdttyd.btgtwtttdtdxtttddtty.Twgtdtgttgttttttgngw.atdbtctyttdtygt.itgttgyttgttfdtytgt.F-flbUsethesetipstoavoidcommonfrst-timehomebuyermistakesByJennierGoldbergphotogettyimages photogettyimagescompetitionwAtchiyoureThinkinGosellinGyourcurrenThomeyoullwanTToinspirealiTTlecompeTiTionyoursel.GoonlineoraviDeoonexperThome-sTaGinGTipsaTgEnwoRth.cAWhawithmptitiuamhmpigallhaithlwatwiBBaBzwiHowtosurviveaBiddingwarBddgtdddtcd.ggttdtttttdtdt.rdsTt-drealTordtdttTtrettbddt-ttdg30-tddttt.hdmdtdtt.httdttt.UndersTAndMArkeTvALUenttttgtttt.sddtgtttgttgtgttcdrett genworthcanadaspring201311atmtltgsmlsdddgttt.ittd100000ttdttttttftd.itddt16tttddtddtttft.PUTInyoUrBesTofferwgttttdgtgtsd.idtgtttttgtttdt.rttttgtdtggddgt.Dttdttt.nIxyoUrcondITIonsrgdtdgs.Tfgdttgtdttggddg.ytttttgttdt.Ttdtggtttttdtttt.BrInGAcerTIfIedcHeqUeitggqtttdtttttgts.Ggttdtttdttdtgtdddttt.LeAveeGooUTofITpgtdtttdttttddg.sttdtttdtfttgtdt2000t5000gttdgttfdtdgtttt.ittjttgttgttgtgtd.BePrePAredToWALkAWAywtgdtttttdtdgtdtdt.itttwtttztttgdtggt.Dtdtt.Ittjutabutwiigitabutgttigthighthmu.rihasilaltatagt photogettyimages12genworthcanadaspring2013tngudgtstconstononnnclplnutnpopldonttktscuclstptotcktncondspndng.wnivclntscsfoillskdostsountoltovcsssonlmootntnnotpoplsockdttlttlsltssToonto-sdnnclplnnrcllalln.itssoundsltsttotkdlooktounncs.hsotostndstcktongludgtttlllpoucvougols.cAlculAteyourmonthlyincomeTsslknovousstputtsnssntlon.Tkngstockoouontlnngslllpoudtntonotoulvngondouns.bsutoncludlncggsndnncooutsdooudjoallndvss.identifyyourcurrentmonthlyexpensesTssvpotntstpclntstpcllundsttoucontspndallnss.montlxpnssncludougulxdcostssucsotggpntsutltstxsndnsunccsoulddduptoougl70pcntoouudgt.youlllsondtoccountooudsctoncostssucsnttnntsoppngndtngout.Tssouldccountoout20pcntooutotludgt.dontforgetAnnuAlexpensesecontstsdnougundsolBudgetingbudgetIyoureinthemarketoranewhomeyoullneedaclearpictureoyourfnances.UsethisadvicetobuildyourplanByBobbyBoxHowtobuildac GenworthCanadawantstoreducethestressofmovingonyouandtheEarth.ThatswhywevepartneredwithFROGBOXtomakeyourmoveeasy.OrderonlineatFROGBOX.comGenworthGenworthCustomersGet15OffGenworthCustomersGet15OffYoullneedboxesMovingorcallusat1-877-FROGBOX1-877-376-4269 photogettyimages14genworthcanadaspring2013Budgetingttdltttfdllgtlglltd.pAyyourselffirstcdlttt.slgglgttgdtlt10tt.itlt10tttttglltglttttgalld.otttg.scheduletimetoreAssessrdgtttttgtttgalld.Tlttddttdgtttldttltggl.r-xtglddgtdgttttttttt.reducespendinginincrementsTdgtttldlgdtdltttjtgall.tdtdgtttttdttt.Ttdtdttgtttldt.itlltfdl-tltt.Tldlglttl-xgtggt-tgtttdlzgttallggt.Quickbudgettipsthisfoolproofadvicewillhaveyousavinginnoimesnln.svnn.krfxl.bnwnnln.bnnrl.dnlnnnnnlvj.svrnx.plnrrnnllnr.READhavinGaTouGhTimemakinGyourbuDGeTworkweGiveyouTipsToavoiDmisTakesaTgEnwoRth.cA photogettyimageskcgdtdttdtdtdggt.i20id20000dtddt.igtftdtddtdtt.TdcgdtDldgctttggg-dd.bttgttttttggtttdttgg.Ttderichdadqgdgdtttdgdtft.igt20tdgdtttgdtg-ttgjtdttttt.Tttttttdt.Tgtttddctttgdtgt.sAvinginaniallitayisanimpotantlisillbutyouhildnmaynotblaningnoughaboutitatshool.HshowtostyouhildupofnanialsussByJnniGoldbgREADlookinGorsimplespenDinGcuTsreaDabouT10easywaysTosavemoneyaTgEnwoRth.cAsaverforlifew genworthcanadaspring201317Startyoungatcdt--d.igtd.ogtttgdttdg.attgggtctttgdtttttgdttdttt.iddtgtt10tttttttdtt.LeadbyexampLeTttttdttttc.kdtttttdttttf.btdtgdgttttttttt.itgtttttdcd.InveStyourchILdSSavIngSctwbttdttttgtftttg11.Dtjtdgttggggtcd.mdgtgtttgt.Tgtttdtdtttdgdttttttttttg.stgtttdttttdtgtgqt.makemoneykId-frIendLynttdtttdtgzc.kdtttdgtg-tttt.itdttgtggtdtd.xcdgttD.atggttttgtgtttdtttgdt.mgxtgddttttd.Ifparentsaresavingtheyllpassonthosehabitstotheirkids.kvincohano-oundenrIcHdAadmy photogettyimagesbgjfd.sgdtttqtdtttggtttdtgdttgg.bgtgddttftgddtt-gt.hdfgtGgpdtdceoadttfdcdtfdgd.shopAroundTfttttt.cttdttt.ytttdttp.atttqftdgdgtdgtt.aftttttdddtt.findoutABoutfeesittdtdtdtttd.Tdtdtt.iplAnningMakingamajrpurhaslikahmisnastaskbutudnthavtgitaln.indingthrightnanialplannranmakallthdifrnBBranBrzkwskiREADlearnhowTomakeyourTax-reesavinGsaccounTTsaworkharDeroryou.inDTipsinanarTicleonGenworTh.cagEnwoRth.cAyurpartnrinplanning genworthcanadaspring201319jtttgtttpggtfdg-f.ygdt500d1500fttttt.AskforcredentiAlsatfdcdp.Ttdgdtt.Tddddgttttjtttddt.lttctfdpcpdgtttt.itttdttdgzddtd.BereAlisticABoutreturnswtgg-tfttttt.wtdttjttddtdttdtdttggttddt.btd.itgtttt12ttqd.attft.dtddtttdtttttd.itsAllABouttrustatfdgttdttttttt.idttttddttttp.Tgdtjgdg.Ttgdftpdtdtttgt.therehasobeagoodfwihafnancialplannerandyoureheonlyonewhocandeerminewheherisrigh.-GrgPllkprsidntandceoAdvis HwhatallyaftyuditandwhatdntByBbbyBxydtt-dgtddtptggtptdtt.Tg300-900ttdttddtgdtpt.ittptptttgddtdtgttttptgg.bttpttttdtttttgd.wdhttrceotcdatcdtcgscaccstpttt.Mt1Youmustusemjorcredtcrdstobuldgoodscore.TruThittjdtdtcdjtggttdttdtttttddttr.mggpttttpttddptt-tdddtdqdpttttdtt.Mt2acdemcbckgroundwllfectyourcredtscore.TruThrpptttgtdttgtdt.bttptt.wtttggtgdt.htdtdgdttddtp.bgdgtptdtrd.odpdtpttttcdt5mythswAtchcheckouTaviDeoabouTmorecreDiTscoremyThsanDTruThsaTgEnwoRth.cA5mythsabutyuditbutdIttaktimbutyuanaiyuditayubuildnitnywithtimlypaymnt.-HnittarceothcanadianAiatincditcunllingsvi readMoneyTalkswbflbjb.waTchorganizingMadeeasyb-z.chaTJbfss.whatsnewgenworth.caJoinouronlinecommunitytogettipsonhomeownershipwatchinormativevideosandchatwithotherhomeownersonoursocialnetworks.dtptggeqxdTutdtddt.Mt3Youcntmkeuormstkessuchslteyments.TruThittttdtptdtttptr.htttdpdtdggttptdgtdtdpddtdtpdtddtdttpd.mgtpttttgdttppdpdpdtttttpttdgdtpd.Mt4pyngcshboostsyourscore.TruThydtdtdtdttttpt.ugdttt30ddgpttpgdtdgrd.Mt5iwllnotqulyormortggeivehdoorcredtscore.TruThnt.ldttptdgtfddt-t-t.Tgxp-t-tpxptdttggpttgt.Tttptttdtdtttpptgg.genworthcanadaspring201321 22genworthcanadaspring2013whyhusbddithutgufsththpuchshdbgtcg.wdchsdudsdpytbut10ys.nfydyttkthpug.atgtgthcdstphussuquckyzdthtstgptthsthsttgtsthbttytg.itdusttkutchhusdbfthskdg.whudthvctsudststfstsghtdthbudgt.ourealTordusthttsttypcdtgtbddg.wdbp-ppdhghtggbuttdtspdssttustydctbthuthypyts.Thbstdcsdssttgxu.wcuchdd-cuchdubstdtthbsuthghstcuddsthudstgcs.wsdpcttkythbddgtyhgh.attsudgttsthsxthbddsgtthhusjustudut.nxthdtdcdhuchtputd.wgdtssydttshchtudpytsssth20pctthcstthh.mtggsucgusthdtkthschcddusttuhs.wctutkscfcsuhddgtbutsggcypskthctyhdtput.whhtbbttkbgctsufcpgshthdtchgustyth.leArningLessonsobuyingyfsthoefist-timescanleanalotomthepocessobuyingahome.realestatenewbierashamoutadashaeswhatshetookawayomthelie-changingexpeience MakesmilesbloomforeverycelebrationOntrulyoriginalowersgiftbasketsandmoreUsePromoCodeGENWORTHGotowww.1800flowers.comwww.1800baskets.comor1800flowers.caorcall--FLOWERS1-800-356-9377PricesDiscountsareexclusiveoapplicableserviceandshippingchargesandtaxes.Itemsmayvaryandaresubjecttoavailabilitydeliveryrulesandtimes.Itemsavailableonlineandbyphone.Oferscannotbecombinedarenotavailableonallproductsandaresubjecttorestrictionslimitationsandblackoutperiods.Ofervalidthrough123113.Pricesandchargesaresubjecttochangewithoutnotice.Voidwhereprohibited.20131-800-FLOWERS.COMINC.Save5 HomebuyerPrivilegesisyourexclusiveonlineprogramforsavingsanddiscountsGenworthCanadahasteamedupwithmajornationalsupplierstogivehomebuyersaccesstovaluablesavingsonhome-relatedproductsandservices.AskyourlenderhowyoucangetyourHomebuyerPrivileges.Visitgenworth.catolearnmore.2013GenworthMICanadaInc.