Data Security in Canada

Bill C51 protest again new data security laws

Have you ever lost information and then needed to spend cash on an expert information recovery service? If you have done this, then you understand the expense of recovering data is high and loosing valuable information like photos and family images or your business accounting files is no joke.

Almost 80 % of business files are now kept digitally, as the relocation of data is transferred to digital systems, there is an increasingly higher need for more options to secure your files. The issue numerous people and companies deal with today is the growing quantity of information on their computer systems, which is now reaching hundreds of gigabytes. Some users can very quickly attain an entire terabyte of information on their computers. Now, the best way for you to back-up a terabyte of information is securely offsite and regularly through online backup .

The biggest issue that comes up in regards to this is that a lot of internet connections provide a slow upload speed and high download speed. However when you’re attempting to backup information offsite, using an internet backup service provider, your upload speed on your broadband web connection is the only speed that truly matters.

Data Security

The American government has just recently passed laws making it legal for government firms to have complete access to any of your information that has been saved online through businesses such as Google or Microsoft. The personal privacy of information has actually ended up becoming a big concern which is why many Americans are choosing to keep their information offsite with a Canadian backup service that is not in a contract to launch consumer details to government firms.

However, many backup services have quite slow upload speeds which results in variable issues moving entire blocks of information offsite and it definitely make it difficult to obtain a total incremental backup copy offsite every day. If you’re going to be supporting huge files which alter frequently, such as your e-mail PST file, you will end up having to support huge incremental chunks of those files every day.

In order to move your information offsite, you would need a software application that works effectively at compartmentalizing the files on your computer system into smaller sized pieces that can be quickly supported every day. A reliable file chunking algorithm is the crucial element to effective offsite backups. Software application like EazyBackup do this exactly to files as the files alter daily while also being able to support even the tiniest possible parts of a huge file. If you alter 32kb of your 5GB PST file, you do not need to be publishing 500MB of incremental backup, the perfect quantity would be a little portion such as 64kb.

Efficient and effective internet backup software applications do not have to be costly, cloud backup for example is offered at http://eazybackup.ca/cloud-backup/, which allows you to safeguard all your information for just $12/month.

Canadian Mortgages Fixed and Variable

Fixed versus variable mortgages for Canadian mortgages

Right now, people who are refinancing their houses almost always opt for a fixed rate mortgages — 95% of refinances, according to Freddie Mac. The reason for this isbecause homeowners are increasingly conservative in the wake of the financial collapse, but it’s also because interest rates are among their lowest in 50 years. This means a fixed-rate loan is an easy choice for a borrower to make.

However, is a fixed-rate loan really the best choice for you? So, before you decide which property to go with…

Here is what you need to know about fixed vs. variable mortgages:

Also keep in mind, you can always contact a mortgage broker for professional advice: http://www.saskmortgages.ca/contact/

1. Fixed Rate Mortgages Are Best For Long-Term Owners

Any real estate agent will tell you, people only tend to stay in a given property for about 7 years. However, if you’re buying a property, you intend to keep in the long term, hence a fixed mortgage is the way to go. It just so happens that rates are extremely low right now, going by historical standards, which means that you’ll benefit long-term by locking in current rates today.

2. Variable Rate Mortgages Can Be Great For Short-Term Owners

The fixed and variable mortgage question becomes more important if you’re planning to move out, relocate, or flip the house after a few years. Here, there’s no point to paying a premium on the loan in order to lock in your mortgage rate for 15 or 30 years if you’ll only own the place for five years.

In this case, the substantial discount you get on a variable mortgage can be more than worth it. Since variable mortgages generally have a fixed-rate period for the first 3-10 years of the loan, you get the benefits of the fixed rate for the full duration of the time you own the property.

Generally variable rate mortgages offer a substantially lower interest rate, usually a full percentage point less on a 5 year variable mortgage compared with a 30 year fixed mortgage, because the lender doesn’t have to factor in the additional risk of being stuck with a fixed rate loan when rates rise. However, if you’re planning on being a short term owner, the initial fixed-rate period can be more than long enough.

3. Here’s Why Variable Mortgages Have a Bad Reputation

Variable mortgages got a bad reputation during the subprime crisis because lenders and borrowers used them in very risky ways. They became so-called exotics, providing low payments initially and then increasing dramatically when the loan started to reset (unless they were refinanced). This system worked fine while home values were going up, but once values started falling borrowers weren’t able to refinance and found themselves stuck with the higher payments.

These days exotic mortgages are largely extinct. Rates are capped and limited, so most of the risk associated with the old-style variable mortgages doesn’t exist anymore.

If nothing else, you can always get in touch with someone at Sask Mortgages.

What is Data Recovery?

Data Recovery

Components of a hard drive

In today’s world of data recovery, data storage, and massive capacity… low cost hard drives are common place. Unfortunately as with most things, price and quality go together. Forget to perform regular backups and you’re going to be the next person looking for a professional hard drive recovery service to find and recover your data.

Just think about how much information you are now able to cram into today’s desktop hard drive. It’s truly incredible, and while it may be astounding, it’s also almost dangerous. With even just a slight degradation in the media or heads, these drives are unable to read sectors or blocks on the disk. As the unreadable blocks increase, the drive allocates the unreadable blocks to a growing defect list and it reallocates the defective block to one in its reserves. As the reserve defect list grows, it eventually reaches is maximum size and it actually overflows. When the defect list overflows, it becomes corrupted!

Is Your Hard Drive Clicking?

One day you turn the drive on and you hear the dreaded clicking noise and then you see that the drive is not detected by the computer BIOS. So what is going on? Well, the chances are that your hard drive has been dying for some time and the defect list has overflowed and you are left with a metal brick which used to contain your life’s information! At this point you can forget about putting the drive in the freezer or swapping the PCB to repair the drive. What you are going to need, is a professional data recovery service, such as CDR core data recovery, to repair the drive and recover you data.

Speaking of a professional data recovery service; many can be found all over Canada with several locations- Visit- http://www.coredatarecovery.ca/Data-Recovery/Locations/canada.php 

What is Canadian MLS

Multiple Listing Service in Canada

The Canadian MLS, or Multiple Listings Service, is a national database of real estate listings all across Canada. Starting from the MLS website, you — or a real estate agent — can locate nearly any property listed for sale or lease anywhere in the country.

Needless to say this is very powerful. According to statistics, around 90% of residential property sales start when the buyer finds a listing on MLS. As you might imagine, having a publicly-accessible database of “all homes for sale” is a big draw for people looking for homes to buy.

There are a few wrinkles, however. For example, MLS is actually not meant for the public. The main MLS system is only accessible to professional, licensed real estate agents  such as bamford remax who are members of the Canadian Real Estate Association (CREA). For many years, this meant that only homes which were represented by an agent could be listed on MLS — “for sale by owner” homes did not appear on MLS.

Listing On MLS Without an Agent

Nowadays, there are listing services available which will list your home on MLS even if you have not engaged the services of a professional agent like Saskatoon Realtors. Since many buyers (and buyers’ agents) rely on MLS to find homes for sale, simply having a property in the right location and listing it for the right price is often enough provided you can get listed on MLS.

Before you run to get your place listed, there is another wrinkle. As well as listing for an attractive price, it’s critically important to offer buyer’s agents a full commission in order to get their cooperation. Experts estimate that the volume of showings from professional Realtors will drop as much as 90% based on how far the seller reduces the commission they pay a buyer’s agent.

If you’re selling in the Lower Mainland of British Columbia, for example, you’ll want to offer the standard commission of 3.255% for the first $100,000 plus 1.1625% for the remainder to the buyer’s agent. (For the rest of BC, offer 3.5% of the first $100,000 plus 1.5% on the remainder.) Other provinces and territories will differ, so check the numbers for your area before you list.

Lastly, do a good job with your listing. The information you provide is all a prospective buyer will have to decide whether they like your home. A professional seller’s agent will do a professional job with the listing — arranging good quality photography, making sure all the important information is included, and otherwise ensuring the listing represents the home well. There’s a 90% chance your buyer will start here, so make a great first impression.

Using MLS As a Buyer — Or Seller Looking for Information

The availability of a free-to-the-public version of MLS is a wonderful tool to be sure. But before you spend hours hunting for “comparable” properties (or just looking what your neighbours’ homes sell for) keep in mind the public version has some critical limits.

Unlike the version of MLS which professional Realtors can access, the data on the public MLS is delayed by 1-2 days. Therefore the really good deals are generally gone even before they appear in public — they’ve been snapped up by Realtors with access to the private version.

Status reports are also delayed. Realtors often get calls from buyers asking about certain properties they found on MLS — only to get told that the houses in question already have a “Sold!” sign in the front yard.

On the other hand, Realtors can customize an ongoing MLS search for you, and ensure you get a steady stream of updates via email when property meeting your criteria appear on the database, so if you are interested in that, please visits: http://www.saskatoonresidential.com/contact/.