The Richmond News November 28. 2012 A25
Ask a
Professional
a Will be changed a little or does it need to QCan be re-written?
Notary
PUBLIC
A
Hans Podzun
HANS PODZUN NOTARY PUBLIC Fairchild Square 630 - 4400 Hazelbridge Way Richmond Tel: 604-273-1101 Fax: 604-273-9196
You can make changes to a Will in two different ways. One way is to make a new Will, which you can do at any time. A Will should be reviewed periodically to see if changes are necessary. A new Will revokes and cancels any previous Will that you have made. The second way to make a change to your Will is by way of a formal written document called a “Codicil” whereby you can change, delete or add to your original Will. To be legal, the Codicil must be signed and witnessed in the same manner as a Will and as required by the Wills Act of B.C. The Codicil must refer to the original Will that is being amended. A Codicil is usually, but not always, attached to the original Will and becomes a valid part of the Will. The decision is whether to make a new Will or prepare a Codicil. If the Codicil is lost, removed or misplaced, etc., the original Will will stand.
Q
Real Estate
To sell a $600,000 home, 1% Realty charges $6900. A typical broker charges $19,500 (7%-$100,000/2.5% Bal). How is this possible?
EXPERT Nari
DENTURIST Alex Hupka
ALEX HUPKA DENTURIST
Reg’d Denturist, Reg’d Dental Technician
224-8055 Anderson Road, Richmond Tel: 604-279-9151
Mortgage EXPERT
Lisa Manwaring AMP
ONE PERCENT REALTY Email: nari@shaw.ca
Tel: 604-626-9545
2010
FREE HOME EVALUATION! MEDICINE
Can TCM help my asthma?
A
Dr.Helene Tomson
B.Sc.N., D.T.C.M, R.Ac
BRIDGING THE GAP Traditional Chinese Medicine & Western Science to Promote Health
Registered Acupuncturist Past-President of the TCM Association of BC
Tel: 604-275-1844 e-mail: htomsontcm@shaw.ca
TCM is very effective with relieving asthma. From the TCM perspective, asthma is a symptom that develops with imbalance in any one of the following organs: lungs, spleen, digestive system, liver, kidneys, and large intestine. This analysis would explain why each person's asthma is different. Acupuncture and Chinese herbs are very good at strengthening the Lung Deficiency, Spleen Deficiency, Liver Congestion, Kidney Yin, Yang and Qi Deficiency and Intestinal Stagnation. Asthma is on the rise in frequency and intensity, mostly because of our food choices, increased stress, overwork and environmental pollution. When these factors are combined with possible constitutional weaknesses, the body becomes more feeble since it cannot be nourished properly to maintain good function. TCM will be much more effective when combined with food and lifestyle changes.
Sorry, I have never heard of facelift dentures. However, that being said, when we construct a new denture, I never try to make a denture. I create a natural replacement of missing teeth, bone and tissues by analyzing how much bone and tissue has been lost, I replace the loss of bone and tissue with acrylic and proper tooth placement for lip and cheek support. Lifting of the cheeks and lessening the folds of the sides of the mouth is then achieved. The results are a rejuvenated and fresh facial appearance. Precision dentures mimic the movement of the human jaw during eating precisely through the use of precision measurements and jigs. The result is a denture that moves very smoothly and efficiently. Both my precision and standard dentures incorporate the restoration of facial features. You could say precision dentures are facelift dentures if done with the aforementioned technique. If you have any further questions, on this or any other dental related procedures please call us for a free consultation.
the 25 year amortizations QHave pushed buyers out of the market?
Not necessarily.
MERIDIAN SOUTHWEST MORTGAGE GROUP LTD. Email: lisa@southwestmortgage.ca
Tel: 604-943-8943
Fax: 604-943-8942 www.lisamanwaring.com
11256807
Q
Chinese
What is the difference between Precision Dentures and Facelift Dentures?
A
A
The Real Estate industry is changing. With the introduction of realtor.ca, the general public has access to ALL the listings which were previously ONLY available to Realtors®. Technological advances have changed the job of a real estate agent and the Internet has driven huge efficiencies into the real estate market. Today, the amount of time Realtors® spend on many aspects of each transaction is greatly reduced. With 1%, I provide full service for less and still remain profitable.
Q A
Insurance EXPERT
Thomas Forbes
Last year a 10 year term was 4.74% and a 30 year amortization was available. Today a 10 year term is 3.89% and a 25 year amortization is available. On a $300,000 mortgage, the payment difference based on todays lower rate and amortization is less than $10!. Talk to a mortgage professional today … home ownership might just be more affordable than you think!
Q
We just had a water damage insurance claim and the Strata council says we are responsible for the master Strata Insurance policy deductible because the water came from our unit, is this true and do I have insurance coverage for the deductible, it’s $2,500?
A
Insurance Broker MARDON & CAMPBELL INSURANCE BROKERS 145 - 3900 Steveston Hwy. Richmond
Tel: 604-274-9971 Fax: 604-274-6501 email: tforbes@mardoncampbell.com
The answer to both questions is yes and this is a question we get a lot from our customers. In 2007, precedent from the legal system changed the way in which Strata corporations operate by allowing strata corporations to charge back to unit owners the deductible that the Strata Building Insurance Policy applied in the event of a claim. All strata unit owners, including residential, commercial units and rented units should be checking their insurance policies that they have this coverage as the deductible is usually a minimum of $ 2,500 and goes up from there. We have seen them as high as $ 100,000 for stratas that have had a series of claims especially water damage claims. Strata deductible coverages are often described on the insurance policy as loss assessment or just strata insurance deductible coverages. As always we are willing and able to answer any questions there are on this or insurance topic.
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