Top 10 Elementary Schools in Mississauga, Ontario

After immigrating to Canada you must be thinking on what school would be good for your child. This is a very valid point even before you think of renting or buying a dwelling. Your selection of school will determine your living place.

Unfortunately most of the families don't have the right knowledge as to where to find the school rating.  There's a resource online called Fraser Institute Report card which can be accessed by clicking here. What this organization does is provide information on schools based on scoring out  of 10 and uses EQAO test results for Primary and Secondary grades. Though not exhaustive, this report card provides a fair estimate of the school ranking in the area you are planning to settle down in. After all one of criteria of your move to Canada could be best education for your child so that they become better individuals and perform to perfection in their lives.

I recently found this resource online and thought of sharing. Many of you might be aware of its existence but anyways our joint endeavour is to spread knowledge of resource that can transform lives of our young minds.

Ten top elementary schools in Mississauga
School Board: Peel District School Board

Order	School  Name/Address	Rating 2010-11 Out of 2695	Fraser Institute Rating Out of 10	Average home prices Freehold: Semi-Det, Detached,Att/Row/Town
1	Kenollie Public School 1376 Glenwood Dr,  Mississauga, ON L5G2X1 Phone Number: 905-278-8991	44	9.4	$1.2M (Lowest: $777,000)
2	Plum Tree Park Public School 6855 Tenth Line W, Mississauga, ON L5N5R2 Phone Number: 905-824-0155	155	8.5	$504,000 (Lowest: $388,000)
3	Floradale Public School 210 Paisley Blvd W, Mississauga, ON L5B2A4 Phone Number: 905-275-1090	281	8.1	$561,000 (Lowest: $350,000)
4	Sheridan Park Public School 2280 Perran Dr, Mississauga, ON L5K1M1 Phone Number: 905-822-2401	313	8.0	$660,000 (lowest: $465,000)
5	Forest Avenue Public School 20 Forest Ave, Mississauga, ON L5G1K7 Phone Number: 905-278-2472	349	7.9	$700,000 (Lowest: $330,000)
6	Tecumseh Public School 1480 Chriseden Dr, Mississauga, ON L5H1V4 Phone Number: 905-278-5594	429	7.7	$1.1M (Lowest: $750,000)
7	Mineola Public School 145 Windy Oaks Dr, Mississauga, ON L5G1Z4 Phone Number: 905-278-3144	559	7.4	$630,000 (Lowest: $430,000)
8	Ellengale Public School 3480 Ellengale Dr, Mississauga, ON L5C1Z7 Phone Number: 905-279-1555	559	7.4	$400,000 (Lowest: $330,000)
9	Sawmill Valley Public School 3625 Sawmill Valley Dr, Mississauga, ON L5L2Z5 Phone Number: 905-820-2500	710	7.1	$900,000 (Lowest: $550,000)
10	Settler's Green Public School 5800 Montevideo Rd, Mississauga, ON L5N2S1 Phone Number: 905-826-4947	710	7.1	$400,000 (Lowest: $280,000)



 Disclaimer: Information believed to be correct but no warranty is implied. This is extracted from Fraser Report Cards and MLS(R) data.

Should you want more information on these areas of Mississauga, please write your comment in response to this post. I will try to provide the best answers for that.

Paul Cheema

Social Media Fraud- Must read this

With a 13% increase in identity fraud between 2010 and 2011, a study conducted by Javelin Strategy & Research showed that consumers may be putting themselves at a higher risk for identity theft as a result of their increasingly intimate social media behaviors. Sixty-eight percent of people with public social media profiles on platforms such as Facebook or Twitter shared their birthday information with 45% of them getting into specifics about the exact month, day, and year. Sixty-three percent shared where exactly they attended high school. Eighteen percent shared their phone number and 12% shared their pet’s name. Not only are all of these details typically asked when verifying an identity, but people also frequently use them in passwords. The statistics are clear — people are giving away far too much personal information on social networking sites, allowing for fraudsters to easily steal their identities.

Source: Identity Theft 911 blog (http://s.tt/1bcsI)

Happy Canada Day

Building Credit- Buying Your First Home In Canada

Good credit is a big Asset in Canada

As a newcomer to Canada, it is important for you to understand how credit works and to build a good credit rating. The first step is to start building your credit history as soon as possible

Building Credit

When you apply for a new loan, you will hear most of the stuff like credit rating! Astonished!? This credit history of an individual plays a very big role in helping him buy big ticket purchases like real estate in Ontario, cars and the like.


What is credit history?

The credit  history means your shopping behaviour, personal spending habits and/or your payment history. In Canada and US, your credit rating affects on your credibility when you go for buying big purchases like a home or car or business financing. 

When you keep paying your credit card and other bills outstanding you keep on increasing your credit score.  The credit score is mathematical representation of your good economical behaviour.

Building Credit History

In order to help you build a credit history in Canada, you will need to apply for credit. One of the best ways to do this is to apply for a credit card. One of the challenges that most newcomers face is getting approved for a credit card. Since most newcomers do not have a credit history in Canada, finding an institution that will lend them money is difficult. As a result, building a credit history can be hard, at first.

The financial institutions, like banks, may give you a secured credit card at first. You should go for it as this is the easiest way to start building your credit. It gives you all of the advantages of a credit card, but requires that you set aside a certain amount of money or other cash-like asset to provide the bank with the security that you will pay the money back. For example, if the bank gives you a secured credit card with a spending limit of $1,000, you could set aside $1,000 in a short-term investment, which the bank will hold as security. Over time, you can build your credit history by paying your credit card bills on time, and eventually your credit rating should be high enough that you can confidently apply for and be approved for an unsecured credit card.When it comes to value and convenience, credit cards are a useful way to pay for everyday purchases—most retailers in Canada will accept them. There are also situations when a credit card may be the only way to pay: for example, when buying items online. Some services, such as car rentals, also require payment by credit card. So getting a credit card and managing payments can help in building your life in Canada.

Do you need any help?

If you need any help in applying for these credit cards, you can contact me through my website or give me a call.

For First Time Home Buyers in Ontario, Canada

Buying a home in Ontario  with the Right Real Estate Sales Representative
can be Exciting , Fun, and Assurance for life.

Buying a new home?
It doesn’t have to be hard. Buying your first home can be a very exciting time! With tons of things to know and learn however, it can seem overwhelming. Which is why Paul Cheema is doing his very best to simplify the whole process. What you want to know, what you need to know, and perhaps a few things you've never even considered.

Neighborhood and Type of House??

What neighborhood you’re interested in? Single detached or townhome? Square footage and upgrade packages? If you’ve never purchased a home before these are things you may never even know you had to think about.

Where do you want to live?

It may sound like a simple question but it seems to be the most obvious: where do you want to live? Consider the city’s convenience versus more relaxed rural settings. Suburbs versus downtown. As a rule, considering the needs of your family is the best way to decide where to live. In fact, a recent study by found that 90% of first-time buyers settled on the neighborhood where they wanted to live before choosing the actual home they wanted to buy.

What type of home to buy?

Once you know where you want to live you need to decide what you want to live in. Detached, semi-detached, townhome, condo? Semi-detached homes or townhomes are usually less expensive than comparably sized detached single family dwelling. If having neighbors close to you are OK then this is perfect. If you prefer a little more space to call your own however perhaps a detached home would be more to your liking. The Detached appreciate more in value than the Semi-detached because of more units sale compared to Semis.  Condos are great if you’re looking for extensive fitness and social amenities but remember, you pay for them in the initial cost and in the monthly condo fees, whether you use them or not.

Figuring out what you can afford

The easiest way is to figure out what you can afford is by examining your income, expenses, investments, savings and debt. When you do that, try to keep in mind inevitable expenses such as a wedding, new car, etc., etc.) And always keep a little extra for items such as legal fees, real estate agent fees, land transfer fees, and mortgage insurance to name but a few. To get an approximation of how much you would be paying, you can use these mortgage related calculators.

New home buyer's RRSP Plan

This program simply allows prospective homebuyers to borrow money from their own RRSP's to buy a home. Similar to a loan this money must be paid back within a specified time frame. You must be an RRSP holder, a resident of Canada and a first-time homebuyer to qualify. The plan allows you to withdraw up to $20,000 tax free from your RRSP to purchase your home, provided it is paid back within 15 years. If these funds are going to be used for a down payment they must have been deposited at least 90 days before you sign your agreement of purchase and sale. Both you and your spouse may withdraw up to $20,000 for a total of $40,000. To apply, talk to your bank or contact:

Canada Customs and Revenue Agency

1-800-959-8281, New home RRSP Plan

CMHC (mortgage insurance)

Many first-time buyers face unique financial challenges along the way. We know saving up for a down payment in these expensive times can be difficult, and every penny counts. Luckily there are a variety of programs available from both the provincial and federal governments to help simplify and make the process much easier.

For more info, speak to your bank or visiting CMHC website.

Home land transfer tax refund

This program applies to newly-built or Re sale (Old) homes and gives eligible purchasers a refund of their land transfer tax up to $2,000 based on the purchase price of their home. To be eligible, you and your spouse must be first-time home buyers.

For more information, ask Paul Cheema, Sales Representative, RE/MAX Professionals Inc., Brokerage at 647-333-2273 or contact the Ontario Ministry of Finance 1-800-263-7965

Whatever home you choose, whichever route you take, buying a new home is one of the most exciting and dynamic experiences of your life. So have fun and remember if you have any questions, the expert Paul Cheema is just a phone call away!

Visit my other blog sites for more valuable information:

• Mississauga, Ontario Real Estate, Updates and More
• GTA Condo market information
• Condo project launch in Mississauga, Toronto, & Neighbourhood
• Get information, Search Properties, Ask for reports and consultation before buying

It is easy to contact with Paul Cheema. To send him an e-mail click here.  Download CMHC booklet on What Newcomers Should Know