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  <title>Calgary Lifestyle Guide </title>

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  <copyright>© 2026 Calgary Lifestyle Guide </copyright>
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  <podcast:location geo="geo:51.04473309999999,-114.0718831">Calgary, AB, Canada</podcast:location>
    <podcast:guid>f94b2825-3027-5882-bd63-d80683d8d322</podcast:guid>
  <itunes:author>Anastasia Dvorak </itunes:author>
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  <description><![CDATA[Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary. I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com &nbsp;  <p>LET'S CONNECT FREE "Calgary Fun Weekly Events in Your Inbox" here: http://bit.ly/yyceventslist</p><p>My blog: https://calgarylifestyleguide.com </p><p>Instagram: @CalgaryLifestyleGuide- https://instagram.com/calgarylifestyleguide/ </p><p>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide </p><p>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide  </p><p> REAL ESTATE CONTACT INFO &nbsp;Anastasia Dvorak Real Estate Agent/Realtor &nbsp;CIR REALTY, Calgary, Alberta &nbsp;Serving Calgary and the surrounding area &nbsp; Text me: 403.835.6913 Note:  I do not always pick up my phone as I am busy with clients, so for the fastest response, it's better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide &nbsp;</p><p> Book an Appt: https://calendly.com/calgarylifestyleguide &nbsp;</p> Email me: info@anastasiayyc.com  &nbsp; (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you! &nbsp; DM me on Instagram @CalgaryLifestyleguide  <br><p> THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥</p>]]></description>
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  <podcast:person role="host" href="https://calgarylifestyleguide.com/" img="https://storage.buzzsprout.com/onzr4956fzetvh3nmnfwi9wul12p">Anastasia Dvorak </podcast:person>
  <item>
    <itunes:title>Making Smart Mortgage Decisions: A First-Time Homebuyer&#39;s Guide</itunes:title>
    <title>Making Smart Mortgage Decisions: A First-Time Homebuyer&#39;s Guide</title>
    <itunes:summary><![CDATA[Send a text Did you know that 60% of borrowers break their mortgages within the first five years, often facing steep penalties that dwarf any rate savings? In this eye-opening episode, mortgage expert Rahim Virani shares crucial insights for first-time homebuyers, drawing from a decade of experience in the field. Discover why seemingly simple decisions like choosing between fixed and variable rates can have profound implications on your financial future. Rahim challenges conventional wisdom b...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>Did you know that 60% of borrowers break their mortgages within the first five years, often facing steep penalties that dwarf any rate savings? In this eye-opening episode, mortgage expert Rahim Virani shares crucial insights for first-time homebuyers, drawing from a decade of experience in the field.</p><p>Discover why seemingly simple decisions like choosing between fixed and variable rates can have profound implications on your financial future. Rahim challenges conventional wisdom by revealing how banks profit more from penalties than interest rates, and why life changes should influence your mortgage choices.</p><p>Key takeaways:</p><ul><li>The hidden costs of breaking fixed mortgages</li><li>Why credit score management matters</li><li>The impact of major purchases before closing</li><li>Strategic debt consolidation approaches</li><li>The importance of long-term financial planning</li></ul><p>Before you make one of life&apos;s biggest financial decisions, tune into this essential episode that could save you thousands in unexpected penalties and help you navigate the complex world of mortgages with confidence.</p><p>🎧 Listen now to arm yourself with the knowledge you need for your homebuying journey.</p><p>Here is Rahim&apos;s contact info: </p><p><b>Rahim Virani<br/></b>Senior Mortgage Planner<br/>MortgageLine<br/>Powered by Mortgage Architects</p><p>Phone: 403.471.3552<br/>E-mail: <a href='mailto:rahim@rahimvirani.ca'>rahim@rahimvirani.ca</a><br/>Web:  <a href='http://www.rahimvirani.ca/'>www.rahimvirani.ca</a></p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>Did you know that 60% of borrowers break their mortgages within the first five years, often facing steep penalties that dwarf any rate savings? In this eye-opening episode, mortgage expert Rahim Virani shares crucial insights for first-time homebuyers, drawing from a decade of experience in the field.</p><p>Discover why seemingly simple decisions like choosing between fixed and variable rates can have profound implications on your financial future. Rahim challenges conventional wisdom by revealing how banks profit more from penalties than interest rates, and why life changes should influence your mortgage choices.</p><p>Key takeaways:</p><ul><li>The hidden costs of breaking fixed mortgages</li><li>Why credit score management matters</li><li>The impact of major purchases before closing</li><li>Strategic debt consolidation approaches</li><li>The importance of long-term financial planning</li></ul><p>Before you make one of life&apos;s biggest financial decisions, tune into this essential episode that could save you thousands in unexpected penalties and help you navigate the complex world of mortgages with confidence.</p><p>🎧 Listen now to arm yourself with the knowledge you need for your homebuying journey.</p><p>Here is Rahim&apos;s contact info: </p><p><b>Rahim Virani<br/></b>Senior Mortgage Planner<br/>MortgageLine<br/>Powered by Mortgage Architects</p><p>Phone: 403.471.3552<br/>E-mail: <a href='mailto:rahim@rahimvirani.ca'>rahim@rahimvirani.ca</a><br/>Web:  <a href='http://www.rahimvirani.ca/'>www.rahimvirani.ca</a></p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></content:encoded>
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    <itunes:author>Anastasia Dvorak </itunes:author>
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    <pubDate>Fri, 08 Aug 2025 12:00:00 -0600</pubDate>
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  <psc:chapter start="0:00" title="Making Smart Mortgage Decisions: A First-Time Homebuyer&#39;s Guide" />
  <psc:chapter start="1:15" title="Fixed vs Variable Mortgages - which one makes sense for 2025?" />
  <psc:chapter start="4:27" title="Is Mortgage Portability important?" />
  <psc:chapter start="6:40" title="What NOT TO DO when you are buying a property in Calgary" />
  <psc:chapter start="8:08" title="Would you have better rates if you&#39;ve worked at your job for 6 months vs 3 months? " />
  <psc:chapter start="9:10" title="What if you missed a couple of credit card payments - can you still get a mortgage?" />
  <psc:chapter start="9:38" title="Is it possible to fix a bad credit?" />
  <psc:chapter start="11:08" title="A warning about CreditKarma.ca and Borrowell Scores" />
  <psc:chapter start="11:44" title="One Tip that has a HUGE Impact on your credit score" />
  <psc:chapter start="11:47" title="Why you should carry a SMALL BALANCE on your Credit Card at all times!" />
  <psc:chapter start="12:29" title="How many credit cards should you have? " />
  <psc:chapter start="13:24" title="Why you shouldn&#39;t lease a vehicle before buying a home" />
  <psc:chapter start="14:05" title="Rahim&#39;s Biggest Pet Peeve" />
  <psc:chapter start="16:09" title="Why banks don&#39;t make their money on interest rates?" />
  <psc:chapter start="17:27" title="Why sometimes it&#39;s not worth it to switch to a different interest rate" />
  <psc:chapter start="17:35" title="About Refinancing" />
  <psc:chapter start="18:41" title="What is debt consolidation and tips how to make it work" />
  <psc:chapter start="20:35" title="Most Common Reasons why Mortgage Applications get declined" />
  <psc:chapter start="22:55" title="Mortgages for Entrepreneurs" />
  <psc:chapter start="24:23" title="If you are getting a monetary gift towards your down payment? " />
  <psc:chapter start="25:30" title="How do Mortgage Brokers get paid?" />
  <psc:chapter start="26:19" title="How many mortgages do you need to close to get 60K a year?" />
  <psc:chapter start="29:59" title="Why did we fire clients?" />
  <psc:chapter start="33:24" title="Why we pick up calls right after giving birth " />
  <psc:chapter start="34:41" title="About MyMortgage App" />
  <psc:chapter start="35:04" title="Quick overview of Rahim&#39;s Bio as he used to be an accountant" />
  <psc:chapter start="36:45" title="Would the lender find out that you bought a car after your possession day? " />
  <psc:chapter start="37:03" title="Does the lender call your workplace to check that you are working there before the possession day?" />
  <psc:chapter start="38:19" title="Shocking Info: Lenders will GOOGLE YOUR NAME and why you should not be in the newspaper" />
  <psc:chapter start="39:17" title="What if someone murdered someone?" />
  <psc:chapter start="41:29" title="Do you have to negotiate a lot in your job as a mortgage broker?" />
  <psc:chapter start="43:03" title="Rahim&#39;s 3am Story" />
  <psc:chapter start="45:10" title="New Down Payment Changes" />
  <psc:chapter start="45:43" title="Why you shouldn&#39;t put down 20K down....?!" />
  <psc:chapter start="47:28" title="What if I want to buy a rental?" />
  <psc:chapter start="48:28" title="One great thing that Rahim does that other mortgage brokers DO NOT DO" />
  <psc:chapter start="49:55" title="How we saved a client $2000 by not coming to Calgary" />
  <psc:chapter start="50:27" title="If you are getting a divorce and want to buy a new place for yourself, what should you do first?" />
  <psc:chapter start="51:47" title="What happens when mortgage brokers get hard deals" />
  <psc:chapter start="52:37" title="Does the lender look at the address of the property or quadrant? (good area vs bad area of the city)" />
  <psc:chapter start="53:09" title="What about Heritage Homes?" />
  <psc:chapter start="53:26" title="What about grow-ops?" />
  <psc:chapter start="53:38" title="What about cemeteries or violent deaths?" />
  <psc:chapter start="53:59" title="Shocking Fact about disclosing death in the house" />
  <psc:chapter start="55:46" title="Why you should use a Realtor (as it&#39;s FREE and for your benefit)" />
  <psc:chapter start="57:31" title="Last Words of Wisdom from Rahim (Renewals + Interest Rates)" />
  <psc:chapter start="1:03:02" title="One advice that Rahim always remembers" />
</psc:chapters>
    <itunes:duration>4046</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>5</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
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    <podcast:person role="guest" href="https://www.rahimvirani.ca/" img="https://storage.buzzsprout.com/y0uegoctov6vseyfur1w323bsmnv">Rahim Virani</podcast:person>
    <podcast:person role="host" href="https://calgarylifestyleguide.com/" img="https://storage.buzzsprout.com/onzr4956fzetvh3nmnfwi9wul12p">Anastasia Dvorak </podcast:person>
  </item>
  <item>
    <itunes:title>Calgary Rental Guide: How to rent an apartment/house in Calgary, what NOT to write in your rental application and much more!</itunes:title>
    <title>Calgary Rental Guide: How to rent an apartment/house in Calgary, what NOT to write in your rental application and much more!</title>
    <itunes:summary><![CDATA[Send a text Calgary Rental Guide: How to rent a property in Calgary (how to rent an apartment, a house, etc) and how to do it easily and stress-free. Find out what your rental costs will be, what NOT to write in your application, what to write and all the other things you need to know to make sure your rental application stands out from the rest!   ▶️ Read the full blog post on this topic on my blog: https://calgarylifestyleguide.com/how-to-find-a-rental-in-calgary-how-to-rent-an-apartment-a-...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p><b>Calgary Rental Guide: How to rent a property in Calgary (how to rent an apartment, a house, etc)</b> and how to do it easily and stress-free. Find out what your rental costs will be, <b>what NOT to write</b> in your application, what to write and all the other things you need to know to make sure your rental application stands out from the rest!<br/><br/> ▶️ <b>Read the full blog post on this topic on my blog:</b> https://calgarylifestyleguide.com/how-to-find-a-rental-in-calgary-how-to-rent-an-apartment-a-house-in-calgary/<br/><br/>━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>#FirstTimeHomeBuyer #MovingtoCalgary #CalgaryRealEstate #CalgaryRealtor<br/><br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥ </p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p><b>Calgary Rental Guide: How to rent a property in Calgary (how to rent an apartment, a house, etc)</b> and how to do it easily and stress-free. Find out what your rental costs will be, <b>what NOT to write</b> in your application, what to write and all the other things you need to know to make sure your rental application stands out from the rest!<br/><br/> ▶️ <b>Read the full blog post on this topic on my blog:</b> https://calgarylifestyleguide.com/how-to-find-a-rental-in-calgary-how-to-rent-an-apartment-a-house-in-calgary/<br/><br/>━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>#FirstTimeHomeBuyer #MovingtoCalgary #CalgaryRealEstate #CalgaryRealtor<br/><br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥ </p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></content:encoded>
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    <itunes:author>Anastasia Dvorak </itunes:author>
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    <pubDate>Wed, 22 Feb 2023 22:00:00 -0700</pubDate>
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    <psc:chapters>
  <psc:chapter start="0:00" title="Calgary Rental Guide: How to rent an apartment/house in Calgary, what NOT to write in your rental application and much more!" />
  <psc:chapter start="0:47" title="Why should you watch this video? " />
  <psc:chapter start="1:18" title="1. If you want to find a rental property in Calgary, DO NOT ask a REALTOR for help. " />
  <psc:chapter start="2:14" title="Why Realtors are not motivated to find you a rental in Calgary?" />
  <psc:chapter start="3:41" title="2. Understand your rental costs that you will need to pay for." />
  <psc:chapter start="3:56" title="Refundable Deposit" />
  <psc:chapter start="4:33" title="The First Month of Rent" />
  <psc:chapter start="5:24" title="Utilities" />
  <psc:chapter start="6:56" title="Internet" />
  <psc:chapter start="7:20" title="Moving-in Fees" />
  <psc:chapter start="8:48" title="Rental Insurance" />
  <psc:chapter start="11:36" title="Pet Costs" />
  <psc:chapter start="13:30" title=" 3. Scenario 1: Renting an Apartment." />
  <psc:chapter start="19:31" title="4. Scenario 2: Refugee/New Immigrant Situation: Natasha and Oleksiy from Ukraine are coming with their son and daughter (no credit score and no landlord references)." />
  <psc:chapter start="22:59" title=" 5. Scenario 3: Renting a House." />
  <psc:chapter start="25:48" title="6. Calgary’s Top 8 Apartment/House Rental Websites." />
  <psc:chapter start="26:35" title="7. Get Familiar with rental rates in Calgary, Alberta and budget accordingly (summary of current rental rates)." />
  <psc:chapter start="27:53" title="8. Treat it as if you are looking for a job." />
  <psc:chapter start="29:52" title="9. Send as many rental applications as you can (BUT KEEP TRACK of those applications)." />
  <psc:chapter start="31:43" title="10. Don’t lie on your application (and more about occupancy standards for each room)." />
  <psc:chapter start="34:01" title="11. Content is everything or how to create a great first impression." />
  <psc:chapter start="38:02" title="12. What to write in your intro email to the landlord. What not to write in your email." />
  <psc:chapter start="47:13" title=" 13. Read and understand your lease." />
  <psc:chapter start="49:55" title=" 14. What to do after you’ve found your rental (next steps)." />
  <psc:chapter start="50:34" title="15. Tips on how to search on rentfaster.ca." />
</psc:chapters>
    <itunes:duration>3256</itunes:duration>
    <itunes:keywords>calgary rental guide, calgary, calgary real estate, calgary life, anastasia dvorak</itunes:keywords>
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    <itunes:episode>4</itunes:episode>
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    <itunes:title>How to Choose a Calgary Community when Moving to Calgary | Where to Live in Calgary</itunes:title>
    <title>How to Choose a Calgary Community when Moving to Calgary | Where to Live in Calgary</title>
    <itunes:summary><![CDATA[Send a text 8 Tips on how to choose a Calgary community/neighbourhood when moving to Calgary from a local Calgary Real Estate Agent/Calgary Realtor and YYC Lifestyle Blogger and YouTuber - Anastasia Dvorak.   📌 Check out my article this video is based on: https://calgarylifestyleguide.com/how-to-choose-a-calgary-community-calgary-relocation-service-best-neighbourhood-moving-to-calgary/  📌 Links I mentioned in the video: Calgary Transit: https://www.calgarytransit.com/ All about Calgary S...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>8 Tips on how to choose a Calgary community/neighbourhood when moving to Calgary from a local Calgary Real Estate Agent/Calgary Realtor and YYC Lifestyle Blogger and YouTuber - Anastasia Dvorak. <br/><br/>📌 Check out my article this video is based on: https://calgarylifestyleguide.com/how-to-choose-a-calgary-community-calgary-relocation-service-best-neighbourhood-moving-to-calgary/<br/><br/>📌 Links I mentioned in the video:<br/>Calgary Transit: https://www.calgarytransit.com/<br/>All about Calgary Schools: https://urdumom.com/2017/01/schools-in-calgary/ <br/>Compare Calgary Schools: https://www.compareschoolrankings.org/ <br/>Find your Calgary Inner City Home (infills) here: https://calgaryinfillsguide.com/ \<br/><br/>▼ ABOUT THIS CHANNEL▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>━━━━━━━━━▼ MUSIC CREDIT▼━━━━━━━━━<br/>Music by: LAKEY INSPIRED<br/>Track Name: &quot;Golden Hour&quot;<br/>https://soundcloud.com/lakeyinspired<br/>Creative Commons License - Attribution 3.0 Unported - CC BY-SA 3.0.<br/>https://creativecommons.org/licenses/by-sa/3.0/legalcode<br/><br/>#CalgaryRealtor #MovingtoCalgary #CalgaryRealEstateAgent<br/> <br/>THANK YOU FOR WATCHING, COMMENTING &amp; SUBSCRIBING!♥</p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>8 Tips on how to choose a Calgary community/neighbourhood when moving to Calgary from a local Calgary Real Estate Agent/Calgary Realtor and YYC Lifestyle Blogger and YouTuber - Anastasia Dvorak. <br/><br/>📌 Check out my article this video is based on: https://calgarylifestyleguide.com/how-to-choose-a-calgary-community-calgary-relocation-service-best-neighbourhood-moving-to-calgary/<br/><br/>📌 Links I mentioned in the video:<br/>Calgary Transit: https://www.calgarytransit.com/<br/>All about Calgary Schools: https://urdumom.com/2017/01/schools-in-calgary/ <br/>Compare Calgary Schools: https://www.compareschoolrankings.org/ <br/>Find your Calgary Inner City Home (infills) here: https://calgaryinfillsguide.com/ \<br/><br/>▼ ABOUT THIS CHANNEL▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>━━━━━━━━━▼ MUSIC CREDIT▼━━━━━━━━━<br/>Music by: LAKEY INSPIRED<br/>Track Name: &quot;Golden Hour&quot;<br/>https://soundcloud.com/lakeyinspired<br/>Creative Commons License - Attribution 3.0 Unported - CC BY-SA 3.0.<br/>https://creativecommons.org/licenses/by-sa/3.0/legalcode<br/><br/>#CalgaryRealtor #MovingtoCalgary #CalgaryRealEstateAgent<br/> <br/>THANK YOU FOR WATCHING, COMMENTING &amp; SUBSCRIBING!♥</p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></content:encoded>
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    <itunes:author>Anastasia Dvorak </itunes:author>
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    <pubDate>Tue, 31 Jan 2023 19:00:00 -0700</pubDate>
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  <psc:chapter start="0:00" title="How to Choose a Calgary Community when Moving to Calgary | Where to Live in Calgary" />
  <psc:chapter start="1:01" title=" 1. Calgary Transit" />
  <psc:chapter start="2:52" title=" 2. Calgary Schools" />
  <psc:chapter start="4:17" title="2.5 Calgary Private Schools" />
  <psc:chapter start="5:06" title="3. Thinking Ahead (Post-Secondary Education)" />
  <psc:chapter start="5:36" title="4. Shopping in Calgary" />
  <psc:chapter start="6:33" title="5. Inner City Homes /Infills in Calgary vs Suburbia" />
  <psc:chapter start="7:45" title=" 6. Lifestyle Choices   " />
  <psc:chapter start="8:50" title="7. Density" />
  <psc:chapter start="9:24" title="8. Entertainment District" />
</psc:chapters>
    <itunes:duration>710</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>3</itunes:episode>
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    <itunes:title>Canadian Credit Score Explained 101 | What Credit Score You Need to Buy a House in Calgary</itunes:title>
    <title>Canadian Credit Score Explained 101 | What Credit Score You Need to Buy a House in Calgary</title>
    <itunes:summary><![CDATA[Send a text The Most Complete Guide on Credit Scores in Canada | Getting a mortgage? Do late payments affect your credit? How to build your credit? Learn about it all here.    ▶️ Read the full blog post on this topic on my blog: https://calgarylifestyleguide.com/the-best-credit-score-guide-for-canada-how-to-get-a-good-credit-score/  Links Mentioned in the video: https://www.creditkarma.ca/ https://borrowell.com/ https://www.equifax.com/personal/ https://www.transunion.ca/  ━━━━━━━━━▼ ABO...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>The Most Complete Guide on Credit Scores in Canada | Getting a mortgage? Do late payments affect your credit? How to build your credit? Learn about it all here.  <br/><br/>▶️ Read the full blog post on this topic on my blog: https://calgarylifestyleguide.com/the-best-credit-score-guide-for-canada-how-to-get-a-good-credit-score/<br/><br/>Links Mentioned in the video:<br/>https://www.creditkarma.ca/<br/>https://borrowell.com/<br/>https://www.equifax.com/personal/<br/>https://www.transunion.ca/<br/><br/>━━━━━━━━━▼ ABOUT THIS CHANNEL▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>━━━━━━━━━▼ MUSIC CREDIT▼━━━━━━━━━<br/>Ocean by KV https://youtube.com/c/KVmusicprod<br/>Creative Commons - Attribution 3.0 Unported - CC BY 3.0<br/>Free Download / Stream: http://bit.ly/2OCvpHU<br/>Music promoted by Audio Library https://youtu.be/a8ctDtA7OK8<br/><br/>#CalgaryRealtor #MovingtoCalgary #CalgaryRealEstateAgent<br/> <br/>THANK YOU FOR WATCHING, COMMENTING &amp; SUBSCRIBING!♥</p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>The Most Complete Guide on Credit Scores in Canada | Getting a mortgage? Do late payments affect your credit? How to build your credit? Learn about it all here.  <br/><br/>▶️ Read the full blog post on this topic on my blog: https://calgarylifestyleguide.com/the-best-credit-score-guide-for-canada-how-to-get-a-good-credit-score/<br/><br/>Links Mentioned in the video:<br/>https://www.creditkarma.ca/<br/>https://borrowell.com/<br/>https://www.equifax.com/personal/<br/>https://www.transunion.ca/<br/><br/>━━━━━━━━━▼ ABOUT THIS CHANNEL▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>━━━━━━━━━▼ MUSIC CREDIT▼━━━━━━━━━<br/>Ocean by KV https://youtube.com/c/KVmusicprod<br/>Creative Commons - Attribution 3.0 Unported - CC BY 3.0<br/>Free Download / Stream: http://bit.ly/2OCvpHU<br/>Music promoted by Audio Library https://youtu.be/a8ctDtA7OK8<br/><br/>#CalgaryRealtor #MovingtoCalgary #CalgaryRealEstateAgent<br/> <br/>THANK YOU FOR WATCHING, COMMENTING &amp; SUBSCRIBING!♥</p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></content:encoded>
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    <itunes:author>Anastasia Dvorak </itunes:author>
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    <pubDate>Tue, 31 Jan 2023 17:00:00 -0700</pubDate>
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  <psc:chapter start="0:00" title="Canadian Credit Score Explained 101 | What Credit Score You Need to Buy a House in Calgary" />
  <psc:chapter start="1:24" title=" 1. What is a credit score?" />
  <psc:chapter start="2:27" title="2. Why is a credit score important in Canada?" />
  <psc:chapter start="4:09" title="3. How can I check my credit score for free in Canada?" />
  <psc:chapter start="6:30" title=" 4. How to build your credit history to get your dream home" />
  <psc:chapter start="8:22" title="5. What credit score do you need to get a mortgage in Calgary, Alberta?" />
  <psc:chapter start="8:47" title=" 6. Do late payments affect my credit?" />
  <psc:chapter start="9:20" title="7. What is a hard credit check vs a soft credit check?" />
  <psc:chapter start="10:58" title="8. What if you have an existing debt (for example, student debt or car loan)?" />
  <psc:chapter start="11:42" title="9. How to improve my credit score?" />
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    <itunes:duration>837</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>2</itunes:episode>
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    <itunes:title>How to Buy a House in Calgary, Alberta, Canada in 2023 | Step by Step Guide</itunes:title>
    <title>How to Buy a House in Calgary, Alberta, Canada in 2023 | Step by Step Guide</title>
    <itunes:summary><![CDATA[Send a text Everything you MUST know before buying your first house in Calgary, Alberta, Canada. Learn all the First-Time Home Buyer Tips and Advice here.  ▶️ Read the full blog post on this topic on my blog + use the Mortgage Calculator: https://calgarylifestyleguide.com/8-things-you-must-have-before-buying-your-first-home-in-calgary-alberta-canada/  ━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━ Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice o...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>Everything you MUST know before buying your first house in Calgary, Alberta, Canada. Learn all the First-Time Home Buyer Tips and Advice here.<br/><br/>▶️ Read the full blog post on this topic on my blog + use the Mortgage Calculator: https://calgarylifestyleguide.com/8-things-you-must-have-before-buying-your-first-home-in-calgary-alberta-canada/<br/><br/>━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>#FirstTimeHomeBuyer #MovingtoCalgary #CalgaryRealEstate #CalgaryRealtor<br/><br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥<br/><br/> </p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2122305/open_sms">Send a text</a></p><p>Everything you MUST know before buying your first house in Calgary, Alberta, Canada. Learn all the First-Time Home Buyer Tips and Advice here.<br/><br/>▶️ Read the full blog post on this topic on my blog + use the Mortgage Calculator: https://calgarylifestyleguide.com/8-things-you-must-have-before-buying-your-first-home-in-calgary-alberta-canada/<br/><br/>━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━<br/>Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary.  I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber. <br/><br/>Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com<br/><br/>━━━━━━━━━▼ LET&apos;S CONNECT▼━━━━━━━━━<br/>FREE &quot;Calgary Fun Weekly Events in Your Inbox&quot; here: http://bit.ly/yyceventslist<br/>My blog: https://calgarylifestyleguide.com<br/>Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/<br/>Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide<br/>Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide<br/><br/>━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━<br/>https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1<br/><br/>#FirstTimeHomeBuyer #MovingtoCalgary #CalgaryRealEstate #CalgaryRealtor<br/><br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥<br/><br/> </p> <p>Anastasia Dvorak<br/>Real Estate Agent/Realtor<br/>CIR REALTY, Calgary, Alberta<br/>Serving Calgary and the surrounding area<br/>Text me: 403.835.6913 <br/>Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it&apos;s better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide<br/>Book an Appt: https://calendly.com/calgarylifestyleguide<br/>Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)<br/>DM me on Instagram @CalgaryLifestyleguide<br/> <br/>THANK YOU FOR LISTENING, COMMENTING &amp; SUBSCRIBING!♥</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2122305/episodes/12134507-how-to-buy-a-house-in-calgary-alberta-canada-in-2023-step-by-step-guide.mp3" length="24469151" type="audio/mpeg" />
    <link>https://calgarylifestyleguide.com/8-things-you-must-have-before-buying-your-first-home-in-calgary-alberta-canada/</link>
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    <itunes:author>Anastasia Dvorak </itunes:author>
    <guid isPermaLink="false">Buzzsprout-12134507</guid>
    <pubDate>Fri, 27 Jan 2023 22:00:00 -0700</pubDate>
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    <psc:chapters>
  <psc:chapter start="0:00" title="How to Buy a House in Calgary, Alberta, Canada in 2023 | Step by Step Guide" />
  <psc:chapter start="0:56" title=" 1. Full-time Permanent (not temp) job or steady self-employment or part-time income" />
  <psc:chapter start="1:28" title=" 1.2 Why you shouldn&#39;t buy a new car + switch jobs..." />
  <psc:chapter start="2:40" title=" 1.1  I work part-time. Can I get a mortgage?" />
  <psc:chapter start="3:13" title=" 1.3  I am self-employed. Can I get a mortgage?" />
  <psc:chapter start="3:56" title=" 1.4 I am unemployed. Can I get a mortgage?" />
  <psc:chapter start="4:43" title="2. Good Credit Score and why it&#39;s important " />
  <psc:chapter start="7:12" title=" 3. Downpayment: how much and how little can you put" />
  <psc:chapter start="7:27" title=" 3.1 Why it&#39;s a good idea to put 20% down payment towards your home" />
  <psc:chapter start="7:35" title=" 3.2 Mortgage Insurance (CMHC) explained" />
  <psc:chapter start="8:00" title="3.3 If you can&#39;t put 20% down, then what can you do?" />
  <psc:chapter start="8:39" title="3.4 What is the minimum down payment in Calgary, Alberta, Canada?" />
  <psc:chapter start="9:07" title="3.5 Amazing FREE mortgage scenario calculator for Alberta" />
  <psc:chapter start="9:20" title=" 4. Why you should stay for at least 5-7 years" />
  <psc:chapter start="10:59" title="5. Mortgage Pre-approval: why it&#39;s important + why you should start early " />
  <psc:chapter start="13:26" title=" 5. (a) Choosing a Bank vs Mortgage Broker" />
  <psc:chapter start="15:10" title=" 6. Calgary Real Estate Market Explained: Seller&#39;s vs Buyer&#39;s Markets explained" />
  <psc:chapter start="15:45" title="6.1 Calgary Spring 2021 Hot Seller&#39;s Market Explained " />
  <psc:chapter start="16:27" title=" 6.2 Buyer&#39;s Market Explained  " />
  <psc:chapter start="19:09" title="6.3 Even if your offer is great, the seller is not obligated to sell to you" />
  <psc:chapter start="19:15" title="6.4 My story about how I represented buyers in a multiple offer situation with a lower offer and we still won the house - why?  " />
  <psc:chapter start="20:19" title="6.5 Philosophy behind my method" />
  <psc:chapter start="21:46" title="6.6 My advice for multiple-offer situations" />
  <psc:chapter start="22:09" title="6.7 Why it&#39;s not always about the money" />
  <psc:chapter start="22:22" title="6.8 Real Estate as a job - what it&#39;s like" />
  <psc:chapter start="23:22" title="6.9 Calgary Real Estate has its own seasons" />
  <psc:chapter start="23:58" title=" 6.10 How do Realtors determine property prices?  " />
  <psc:chapter start="25:37" title="6.11 Should you renovate your house in order to sell your place? " />
  <psc:chapter start="26:15" title="7. Understand what type of property can you buy in Calgary" />
  <psc:chapter start="27:40" title="8. Shortcut to finding the best home that works for you" />
</psc:chapters>
    <itunes:duration>2033</itunes:duration>
    <itunes:keywords>calgary real estate, calgary, calgary, alberta, life in calgary, calgary lifestyle guide, calgary realtor, anastasia dvorak</itunes:keywords>
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    <itunes:episode>1</itunes:episode>
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