What Factors Cause Fluctuation in Home Loan Interest Rates?

A mortgage loan is given by charging a rate of interest for the tenure of the loan. Interest rates are variable and keep changing, sometimes even sharply. A few factors that determine your mortgage loan interest rate are your financial and personal information as also fundamentals like economic and governmental conditions and policies.

So while looking for a home and doing any kind of home loan comparison,look for the availability of different and favourable rates. But always keep in mind that there are a number of factors that can cause fluctuations in them.

  1. Inflation Trends

Inflation and interest rates are positively correlated. Higher the inflation higher will be the interest rates and vice versa. The Consumer Price Index (CPI), is a reflector of the inflation rate. This monthly report displays changes in prices of goods and services included in the index. CPI is an average of changes in prices of goods and services. Inflation thus affects home loan rates too. 

  1. Stock Market Movements

Stock markets are generally volatile. A drop in the stock market also results in a decline in the mortgage rate and vice versa. Stock market fluctuations are linked to expectations for economic growth based on the release of current data and various economic, monetary and fiscal policies. While stronger economic growth is favourable for stock prices to rise, it fuels inflation too. So it is unfavourable for mortgage interest rates. The opposite holds true as well.

  1. Your Credit Score

Your credit score is one of the key factors that affect the mortgage interest rate. It reflectsyour ability to pay back the loan which is an important consideration for the lender. If your credit score is high it improves your chances of getting a lower interest rate. A poor credit score means a poor credit history and will hike the interest rate you pay. If you improve your credit you can hope for a better rate.

What should be your strategy since the rates keep changing? If you can synchronize the lower rate and your readiness to purchase, you win the battle and lock the loan at a lower rate. When you lock a lower rate what you are essentially doing is protecting yourself from higher interest rates anytime later on during the period of the mortgage.

It is advisable to conduct detailed home loan comparison analysis and talk to a loan officer who tracks mortgage interest trends to know more about the interest rates.If you want to know more, don’t hesitate to contact us at Home Loan Comparison on 0419 856 669.




What Goes Into the Best Tacos, Halifax?

A taco looks simple and easy to make on the surface but it actually requires a good recipe. Low-quality ingredients, store-bought tortillas, and poor technique can all ruin the flavor of this beautiful Mexican staple dish. At Lemon Dogs, we’ve figured out a way to make the best tacos in Halifax. We rely on traditional Mexican methods to make sure our products stand apart from other offerings available today.

Fresh ingredients = the best tacos in Halifax

Ingredients are the foundation of any food item and without good ingredients, a taco won’t taste good. We choose all meat, vegetable, spices, and flour carefully, buying them from reliable local producers. We make sure meat is grown responsibly, vegetables like peppers are fresh, and flour is gluten-free with no cross-contamination. These carefully chosen ingredients ensure our taco stands out.

Careful preparation

We make many trips to Mexico and dine at road-side taco stalls often so we’re familiar with authentic flavors. Our goal has always been to incorporate those flavors into tacos here. All products are prepared carefully with attention to detail. Our salsa is made by hand every day to ensure it is fresh during service time. We prepare tortillas by hand instead of using processed taco base. That ensures all tacos have good texture and taste.

Meat and vegan  

Different customers have different preferences, which is why we offer a wide range of options on our menu. You can choose different meat fillings or browse through our vegan options. Fillings are prepared carefully so all tacos are delicious! These meals are light-weight enough to be enjoyed at any time of the day.

If you’re looking for the best tacos in Halifax, visit Lemon Dogs Lockside Canteen today! Our authentic Mexican flavors will tickle your taste buds and stay in memory for a long time. You’ll keep coming back for more.

The Four Things You Need to Know While Hiring a Prom Limousine


Your prom night is around the corner, and you are leaving no stone unturned to make a classy entry. The idea of hiring a prom limousine must have struck you, but you feel bogged down by the cost. Don’t worry, it’s natural. After all, something so luxurious and classy will come at a huge price.

As modern taxi companies in Halifax are emerging with great reviews, hiring a limo is no longer a challenge. Besides the cost, there’s one more thing you need to consider- safety. Parents need to ensure that the car their children are taking is safe. In fact, safety is an important deciding factor while hiring a limousine for a prom night.

The consumer checklist you need while hiring a prom limo

Since limousines are becoming the highlight of prom nights, both parents and teenagers should consider a few factors before hiring one. Here’s what they should check before finalizing a limo rental company:


Your limo rental company should be licensed and registered to operate legally in the market. It should have a license number registered with the DMV, and should ideally provide insurance coverage for its passengers. Moreover, the company should provide drivers with a valid chauffer’s license, which should be produced as and when required.


As the Internet can give you an overwhelming list of prom limo rentals, you are likely to face a challenging time shortlisting them. You can rely on references for winnowing out the best ones. Look for reviews on the company’s website, and see if they are positive or negative. A few negative reviews are inevitable. But if the company has garnered appreciation from people on a larger scale, you can go ahead with it.


Although the price of renting a prom limo will differ according to your needs, you shouldn’t settle for the cheapest here. When it comes to luxury, the most expensive car will provide the best. But this doesn’t mean that you go for a company that would burn a hole in your pocket. Review and compare prices of different rental companies, and choose the one that gives you the best value for money.


Last but not the least, your prospective prom limo rental company should be reliable. You certainly don’t want a car that breaks down in the middle of nowhere without any contingency plan in place. Ensure that the company is reliable, timely, and professional so that you get the comfort and luxury you desire on a special day like prom.

Canadian VPS Hosting

What is VPS Hosting?

A Virtual Private Server (VPS) provides you with full root access to a ‘virtualized’ environment within one powerful bare metal dedicated server. Virtual Servers allow hosting providers to split up physical hardware resources into compartments, much like apartments within a larger apartment building, and rent the compartments to those who need server resources.

Why Canada for VPS Hosting?

By going with a Canadian VPS Hosting provider, you’re opting to store your data within Canada. Whether this is for email hosting, web hosting, or app-specific hosting, the data you store on these Canadian Virtual Private Servers remains within Canadian borders, allowing for Canadian privacy laws to apply to that data.

Data Privacy and Laws

This makes the data out of reach of American law enforcement without first asking the Canadian government to force compliance from their business(es) — namely Canadian hosting providers.

Canadian laws (namely PIPEDA and the digital privacy act of 2015) work to ensure the privacy and safety of your personal data that is stored within Canadian borders.

Spying Systems

It’s important to note that 3rd party ‘spying’ systems like PRISM in the US still apply to any data flowing within US borders. This means that while your data is safe from prying eyes when it is securely stored on Canadian VPS Hosting provider’s servers, when that data is transmitted either to or through locations residing outside of Canada’s borders, the privacy of that data is no longer 100% subject to Canadian laws.

This means that it’s important that you take measures to ensure the data is strongly encrypted while it is flowing to and from your Canadian VPS.

Example of routing in action

As an example, if your server resides in Montreal and you reside in Halifax, even though there are high performance connections that take only Canadian routes between Halifax and Montreal, it’s very likely that your data packets will route through New York. This is because a large portion of America’s East Coast Internet infrastructure lives in New York City, thusly often resulting in faster routes through NYC than through New Brunswick direct to Quebec.

Even if the route isn’t faster, your ISP may get cheaper bandwidth from an American top-teir bandwidth supplier, like Peer1 Networks, than they do from, say Telus in Canada, thusly resulting in a cheaper route for your ISP to take advantage of… which pushes your packets through US borders.


Using a Canadian VPS Hosting provider is quite important to ensure that strong Canadian privacy laws apply to your emails, websites, and files. That said, be sure not to let your attention to privacy end there. Make sure that your servers are configured for the highest available levels of encryption with the latest protocols (TLS1.2 at the time of writing of this article) to ensure that any data routing to and from your Canadian servers remains secure from prying eyes.

Five Signs Which Show Decreased Testosterone

Testosterone is a sex hormone produced in the testes in men (Cells of Leydig). Testosterone is responsible for male sexual characteristics. Occasionally, free testosterone levels in the blood go down and at this time, men will begin to suffer from adverse conditions. Here are five signs you are suffering from decreased testosterone.

Reduced sex drive- Testosterone is responsible for both male and female libido. It is natural for sex drive to reduce as you age. But if you are young and your libido has declined drastically, it may indicate low testosterone levels. Please note that other factors like lack of sleep, stress, illness can also reduce sex drive.

Erectile dysfunction- People who are suffering from low testosterone levels may show erectile dysfunction. But it is not true that testosterone alone is responsible for helping men achieve erections. The connection between testosterone and erectile dysfunction is not fully established. But testosterone does stimulate the production of nitric acid in the brain which assists in achieving erections.

Low volume of semen- Semen, also called seminal fluid, contains spermatozoa. As testosterone levels increase, so do semen levels. On the other hand, men who are suffering from low testosterone levels show less semen volume during ejaculation. It is also true that if the testosterone levels drop too low, men may start suffering from infertility.

Hair loss- Low testosterone levels can cause hair loss. It is a myth that too much free testosterone in the blood causes balding. There are any number of reasons why this (balding) happens. It is natural for some men to start balding when they become older. However, men who have low testosterone levels show premature balding, with a corresponding loss of facial and body hair.

Loss of muscle mass- Testosterone plays a very important role in muscle building. Men who are suffering from low testosterone levels will see a reduction in muscle strength and mass. Low testosterone also decrease bone mass in men (and women). So people suffering from low testosterone levels have more chances of suffering from bone fractures. If you can somehow increase testosterone levels in your blood, this can be reversed.

Apart from these five, it also results in changes in mood. It is well known that women experience mood swings during menopause because of a drop in estrogen levels. Did you know that men can also experience similar mood changes due to a drop in their testosterone levels? Testosterone not only influences physical processes it also affects intelligence and cognitive functions. It is now known that men suffering from low testosterone levels are more at risk for experiencing irritability, depression and problems with focusing.

This shows that testosterone is a very important hormone for men. Low testosterone levels should be treated quickly lest it begins to affect your life negatively.