The next time you’re looking for a mortgage for that new house or you’re up for renewal on your existing mortgage, think about using a mortgage broker – their services are free and they offer you an abundance of choices the banks simply can’t compete with.

Mortgage brokers have access to a vast array of lenders – up to 200+ institutions, including the big banks – which enables these professionals to negotiate the best possible mortgage products and rates on your behalf. In comparison, if you approach your bank with a mortgage request, they can only offer you a narrow choice – namely, their own products.

Mortgage brokers do their homework on available mortgage products and keep themselves abreast of any new products, or changes to existing products, to ensure they find the best mortgage to fit your specific needs.

Unlike the banks, mortgage brokers can also cater to self-employed borrowers as well as those who have suffered credit blemishes due to life experiences such as divorce or illness. Brokers will listen to your story, whereas the banks have a very narrow view of what fits into their financing box – and this is unnegotiable.

If you’re thinking of buying a home, Dominion Lending Centres mortgage professionals can find the best mortgage rate and term for your unique situation.

Top Reasons for Using a Broker:
1. Choice – access to multiple financial institutions
2. Costs – using a broker is free and they can negotiate lower rates for you
3. Knowledge – brokers stay up-to-date on available products and services
4. Flexibility – mortgage products are even available for the self-employed or those who have credit blemishes

Courtesy of Alim Charania, AMP – DLC Regional Mortgage Group 

Buying a new car or your first home, what makes the most sense?

We all need a roof over our head and some means of transportation to get us to and from work. Sometimes it can be a tough choice when there is only so much money. “Do we buy the new car or our first home?”

One of the most common roadblocks for first time home buyers in qualifying for a new home is the “auto payment”. I meet many first time home buyers who have done all the right things; paid down debt from student loans and credit cards, saved for a down payment to buy their first home and then a few months before getting ready to shop for their home they buy a new vehicle that comes with a big monthly payment for the next 5 years. The high auto payments push their debt servicing over the limit making it impossible to qualify for the mortgage. The result – they are left paying rent and a high car payment. Those new set of wheels could cost you more than you think.

https://www.youtube.com/watch?v=OetRbvBsO7o

Buying your first home is a big deal. So before you make any purchases for big ticket items like a new car – talk to your Dominion Lending Centres mortgage specialist. He or she will review your personal situation, income and expenses, and discuss your options so you know what you can afford. They will guide you through the criteria to qualify for a mortgage so you can fully understand the process and all the costs associated with buying your new home. Then you can choose the right vehicle for your budget and your needs.

Buying a new car or your first home can be an easier decision if you have the numbers in front of you to make an informed decision.

Courtesty of Pauline Tonkin, AMP – DLC Innovative Mortgage Solutions 

As the average age of our Canadian population gets older (according to Employment and Social Development Canada, our country currently has over 5 million people over 65 years old), it is no doubt that you or your loved one may be faced with growing concerns about the ability to live life without financial constraints or difficulties. It may be mounting medical expenses or the limitations of living within a fixed income, or carrying debt load into retirement.

On the other hand, it may be the time to enjoy travelling or helping out grandchildren with university tuition, even the purchase of a home in sunnier climes. Perhaps it’s time to enjoy an active retirement and downsize into a smaller home!

Whatever the situation may be, a Reverse Mortgage might just be the perfect fit for you to find that extra income you hold in your home.

WHAT IS A REVERSE MORTGAGE:

A Reverse Mortgage is a loan secured against the value of your home.

Unlike a loan or a regular mortgage, with this type of mortgage, you are not required to make payments. You only repay the loan when you move or sell your home.

A Reverse Mortgage is a means for homeowners, aged 55 years or older, to access a portion of the stored value in their home to use today while still retaining ownership. In effect, converting the equity to cash, which can be received in a lump sum payment, regular payments or a combination of the two.

Advantages:

• Payments from a reverse mortgage are tax-­â€free income.
• There are no payments to make as long as you or your spouse lives in your home. The principal and interest are only due when your home is either sold or you move out..
• The freedom to eliminate monthly payments can be a benefit for stretched budgets.
• You can repay the loan at any time.
• If the investment market takes a downturn, a reverse mortgage could fill the gap until your investments stabilize or reach maturity.
• The amount you owe can never exceed the value of your property.

Advantages of Revers Mortgages Continued…

* You and your beneficiaries will not be responsible for any shortfall if interest rates increase and housing values drop.

* Interest paid on the reverse mortgage is tax deductible if the proceeds were used to earn investment income

A CASE SCENARIO

Mr. and Mrs. Walsh 82 and 78 years old, found that the townhome they were in no longer suited them as Mr. Walsh has deteriorating health and was having trouble managing the stairs. They were ready to find a nice little condo to settle into.

Challenge:

Mr. and Mrs. Walsh had some concerns, as, now that they were on pensions, they were unable to qualify for the difference they needed. They owned a $400,000 townhouse with a $250,000 mortgage.

Solution:

Sold their current home for $400,000.

Purchased a $230,000 condo with a $125,000 down payment, proceeds of which were from the sale.

They got a $105,000 CHIP Reverse Mortgage on the new property to cover the difference.

• No income
• No credit requirements and most of all no payments for as long as they live in their home
• If one partner passes away, nothing changes
• Provides them with complete control over their home and with peace of mind and living life on their terms!

There are some out of pocket costs associated with setting up this type of mortgage (Appraisal and legal advice) with the set up fees coming out of the proceeds of the loan. The interest rate is a bit higher than if you were purchasing a home but still competitive with variable or fixed rate options available.

Unlocking the value in your home with a Reverse Mortgage may just be the answer to bring you peace and security in your financial health. As always, get professional advice from Dominion Lending Centres so we can help you determine whether or not this product is right for you!

Courtesy of Jordan Thomson, AMP – DLC City Wide Mortgage 

A “Gifted” Down Payment is very common for first time buyers. Essentially, a buyer’s family member (usually very nice, warm and loving parents) will offer up money to go towards the down payment. Often this is done because their son or daughter doesn’t quite have enough funds saved up for the full 5% down payment. Or, because they want to make sure their child has enough money to make up 20% for a down payment to avoid CMHC premiums.

All that is required for documentation is a signed Gift Letter from the parents, which simply states that the money does not have to be re-paid, and a snapshot of the son or daughter’s bank account showing that the gifted funds have actually been transferred.

A gifted down payment is viewed as an acceptable form of down payment by almost all lenders. Talk to your Dominion Lending Centres Mortgage Professional to make sure that your lender accepts “gifts” as an acceptable down payment.

Courtesy of Jeff Ingram, AMP – DLC Canadian Mortgage Experts

Not long ago, someone contacted us wishing to refinance their mortgage. They presently held a mortgage from one of the big banks. When this homeowner originally obtained her mortgage, the bank offered her a discounted rate of 2.99%. It matured in July of 2016, however, when they contacted us at Dominion Lending Centres, they wanted to refinance to improve their cash flow because of recent major renovations. The mortgage was over $600,000.

At first thought, an Interest Rate Differential (IRD) penalty might seem to be so small because of the effective rate of 2.99%, that only a 3 month penalty would apply to break their existing mortgage. Wrong. Because the rate for the original mortgage was discounted from 4.64%, 4.64% was used when calculating the IRD penalty. So, instead of paying $5,157 dollars, the client was told they had to pay over $23,000 in order to break their mortgage with the bank.

A mortgage broker-channel lender, and there are many, uses the contract, or effective rate, when they calculate the IRD penalty on fixed rate mortgages, unlike the banks. Because they use the actual contract rate, the penalty would have been the lower one in the example above. An amortization scenario would determine if breaking the existing mortgage would be worth it by seeing the crossover point in time for making up the difference in savings. In the case above, it was not worth breaking, and the client had to wait until their mortgage matured.

The banks have, in recent years, implemented a new way of registering mortgages to assist in these situations. They often now register the loan as a collateral charge loan rather than a mortgage. This allows the bank to refinance the home loan on a house without a penalty if the client needs extra cash in the future. The disadvantage to this is that in order to break the loan agreement, even at maturity, the client either has to pay a lawyer or title insurance company to help break the loan agreement, costing approximately $600-$1000. Aware of this, at renewal, the bank can price the renewal rate accordingly, as they are aware that the client must pay this fee in order to leave the bank.

When purchasing a home or renewing or refinancing, it pays to ask details about pre-payment privileges and the costs associated with discharging your mortgage before the maturity date, as well as how the loan is going to be registered, ie. as a regular mortgage or a collateral charge loan.

Courtesy of Daniel Lewczuk, AMP – DLC Parato Mortgage Group 

Whether you are a first time buyer, looking at buying a bigger house or downsizing, if you are looking at buying an investment property it is important to be prepared. This spring a sellers’ market is in full swing, which is more noticeable in certain areas of the Lower Mainland. With historically low interest rates, buyers are making the jump into homeownership, because for many, their mortgage payments will be less than what they are paying in rent. It is certainly a great time to get into the market. However, in a sellers’ market, buyers find themselves in competition with other buyers to purchase a home.

Buying a home can be exciting but having to compete for a home can add a bit more stress. In this case, a property’s asking price and what the property will sell for is quite different, and in most cases the selling price will be well above and beyond the listed price.

When a homebuyer goes into a multiple offer situation, they are less in control. As a buyer, you need to prepare yourself in doing work upfront and with the understanding that you might not get the property in the end.

During multiple offer situations, the seller is not obligated to negotiate or accept any of the offers. The seller has the liberty to choose the best offer to negotiate and they will accept the offer that best reflects their needs. While price is important, that will not be the only factor they consider. They will also look at things such as subject conditions, completion and possession dates.

Here are some things you can consider which may help you feel more in control of the situation when going into multiple offer situations:

• Get pre-qualified by a Mortgage Expert – One of the most important aspects of buying a home is knowing how much you qualify for. You will know what you are comfortable paying on a monthly basis but also what is the highest amount you can offer. While you might have been qualified, the lender still has to approve the property you are buying.

• Prepare and have all your documentation ready – It is important that you provide your Mortgage Expert with all the documentation the lender is going to require upfront. Especially since time will be of essence, you don’t want the added stress of getting documentation when you are in the middle of negotiations and during the subject condition period.

• Having the right real estate agent – It is critical that you have an agent that has your best interest in mind. As a buyer, it is not your job to seal the deal, it’s your agent’s responsibility to know what your limit is and respect that. Don’t let your agent try to upsell you on the price and encourage you to go above your budget. It’s their job to research comparable properties in the area and advise you, but you are the one that makes the final decision. After all, it’s your money.

• Set your boundaries – Once you set your budget, stick to it. Determine exactly how much you can go over if you end up in multiple offers. Don’t get sucked in by emotion and peer pressure because in the end, it can cost you a lot more money.

• Consider doing a home inspection ahead of time – The buyer could consider your offer more readily if it doesn’t include a “subject to inspection” clause.

• Be flexible – Winning a multiple offer situation might be as easy as agreeing to the seller’s conditions such as closing dates, buying the property “as is” or even tightening the subject removal dates. This is important if the seller has already bought another property and is anxious to move on. Agreeing to make the transaction as easy as possible could mean winning over a more generous offer. Buying a property “as is” and limiting the subject conditions (such as requesting that a missing knob or floor tile be replaced) might work in your favour too. If your agent is aware of any information about the seller’s situation and if you can be flexible in any way, take advantage of this opportunity that might help you get your offer accepted.

• Write it down – Perhaps you might want to write a quick letter to the seller explaining who you are and why you want to buy their home so much. Buying and selling a home is an emotional time for everyone, especially if the seller has lived in that home for a long time and raised their family there. Sometimes, it’s not about the highest offer but it can certainly also be about an emotional connection. Even though your offer might be lower than the others, some sellers might feel a strong connection to your story and decide that it’s not about the money but about someone who will really appreciate a great home!

• Know when it is time to walk away – Multiple offer situations can be stressful and sometimes listing agents strategically set the price of the home below market value to start a multiple offer situation. Make sure you stand firm.

Buying your home is about a great investment and you have to be smart about it. In the end, it’s about being comfortable on what you are paying a month and happy with the decisions you make. After all, it’s about finding a home that will be a great place to start building equity and creating memories.

Courtesy of Alisa and Jorge Aragon, AMP – DLC Mountain View 

Okay, so here we are… we have worked together to secure financing for your mortgage. You are getting a great rate, favourable terms that meet your mortgage goals, the lender is satisfied with all the supporting documents, we are broker complete, and the only thing left to do is wait for the day the lawyers advance the funds for the mortgage.

Here is a list of things you should NEVER do in the time between your financing complete date (when everything is setup and looks good) and your closing date (the day the lender actually advances funds).

Never make changes to your financial situation without first consulting me. Changes to your financial situation before your mortgage closes could actually cause your mortgage to be declined.

So without delay, here are the 10 Don’ts of Mortgage Closing… inspired by real life situations.

1. Don’t quit your job.

This might sound obvious, but if you quit your job we will have to report this change in employment status to the lender. From there you will be required to support your mortgage application with your new employment details. Even if you have taken on a new job that pays twice as much in the same industry, there still might be a probationary period and the lender might not feel comfortable with proceeding.

If you are thinking of making changes to your employment status… contact me first, it might be alright to proceed, but then again it might just be best to wait until your mortgage closes! Let’s talk it out.

2. Don’t do anything that would reduce your income.

Kind of like point one, don’t change your status at your existing employer. Getting a raise is fine, but dropping from Full Time to Part Time status is not a good idea. The reduced income will change your debt service ratios on your application and you might not qualify.

3. Don’t apply for new credit.

I realize that you are excited to get your new house, especially if this is your first house, however now is not the time to go shopping on credit or take out new credit cards. So if you find yourself at the Brick, shopping for new furniture and they want you to finance your purchase right now… don’t. By applying for new credit and taking out new credit, you can jeopardize your mortgage.

4. Don’t get rid of existing credit.

Okay, in the same way that it’s not a good idea to take on new credit, it’s best not to close any existing credit either. The lender has agreed to lend you the money for a mortgage based on your current financial situation and this includes the strength of your credit profile. Mortgage lenders and insurers have a minimum credit profile required to lend you money. If you close active accounts, you could fall into an unacceptable credit situation.

5. Don’t co-sign for a loan or mortgage for someone else.

You may have the best intentions in the world, but if you co-sign for any type of debt for someone else, you are 100% responsible for the full payments incurred on that loan. This extra debt is added to your expenses and may throw your ratios out of line.

6. Don’t stop paying your bills.

Although this is still good advice for people purchasing homes, it is more often an issue in a refinance situation. If we are just waiting on the proceeds of a refinance in order to consolidate some of your debts, you must continue making your payments as scheduled. If you choose not to make your payments, it will reflect on your credit bureau and it could impact your ability to get your mortgage. Best advice is to continue making all your payments until the refinance has gone through and your balances have been brought to zero.

7. Don’t spend your closing costs.

Typically the lender wants to see you with 1.5% saved up to cover closing costs… this money is used to cover the expense of closing your mortgage, like paying your lawyer for their services. You might think that because you shouldn’t take out new credit to buy furniture, you can use this money instead. Bad idea. If you don’t pay the lawyer… you aren’t getting your house, and the furniture will have to be delivered curb side. And it’s cold in Canada!

8. Don’t change your real estate purchase contract.

Often times when you are purchasing a property there will be things that show up after the fact on an inspection and you might want to make changes to the contract. Although not a huge deal, it can make a difference for financing. So if financing is complete, it is best practice to check with me before you go and make any changes to the purchase contract.

9. Don’t list your property for sale.

If we have set up a refinance for your property and your goal is to eventually sell it… wait until the funds have been advanced before listing it. Why would a lender want to lend you money on a mortgage when you are clearly going to sell right away (even if we arranged a short term)?

10. Don’t accept unsolicited mortgage advice from unlicensed or unqualified individuals.

Although this point is least likely to impact the approval of your mortgage status, it is frustrating when people, who don’t have the first clue about your unique situation, give you unsolicited advice about what you should do with your mortgage, making you second guess yourself.

Now, if you have any questions at all, I am more than happy to discuss them with you. I am a mortgage professional and I help my Dominion Lending Centres clients finance property every day. I know the unique in’s and out’s, do’s and don’ts of mortgages. Placing a lot of value on unsolicited mortgage advice from a non-licensed person doesn’t make a lot of sense and might lead you to make some of the mistakes as listed in the 9 previous points!

So in summary, the only thing you should do while you are waiting for the advance of your mortgage funds is to continue living your life like you have been living it! Keep going to work and paying your bills on time!

Now… what about after your mortgage has funded?

You are now free to do whatever you like! Go ahead… quit your job, go to part time status, apply for new credit to buy a couch and 78″ TV, close your credit cards, co-sign for a mortgage, sell your place, or soak in as much unsolicited advice as you want! It’s up to you!

But just make sure your mortgage has funded first.

Also it is good to note, if you do quit your job, make sure you have enough cash on hand to continue making your mortgage payments! The funny thing about mortgages is, if you don’t make your payments, the lender will take your property and sell it to someone else and you will be left on that curbside couch.

Obviously, if you have any questions, please get in touch with us here at Dominion Lending Centres!

Courtesy of Michael Hallett, AMP – DLC Producers West Financial 

We all want the best. For instance, a Ferrari is way better than a minivan. It’s faster, sleeker and much more prestigious. But what if you have three children and drive to hockey every Saturday and need the extra space? All of a sudden that minivan is looking much more appealing. Then when you factor in the higher costs associated with maintaining every single aspect of that Ferrari? That minivan is downright shiny.

This theory applies to your mortgage too. I’ll admit there is something reassuring about a brick and mortar building which you can visit up to seven days a week and be greeted by a friendly clerk who helps you do whatever it is you need to do. But consider for a moment if the value you placed on that building were misguided. That the prestige many of us place on being with a major bank for our mortgage is not quite what we thought. What if in making the choice to deal with your bank you doomed yourself to higher costs and hidden clauses? All of a sudden your Ferrari of a bank seems less appealing.

Let’s look at a few of the unexpected costs you can be hit with:

1. Payout penalties – there is no standard on how lenders charge this penalty if you break the mortgage. Your mortgage is a contract and you will have to pay a fee to get out early. I have seen these range from $3,500 to $18,000 on the same exact mortgage with the only difference the lending institution. Life happens and you may end up needing out early due to a marital break down, a job loss or other life event. I would also caution that some of the crazy low mortgage rates out there come with an additional penalty. You could be charged 2.75% of the principle PLUS the regular penalty.

2. Prepayment privileges – Did you know that some lenders do not apply your extra payments right away? It’s very true. They hold the funds in a separate account where they generate and keep the interest gains while you miss out on the full benefit you are striving to achieve.

3. Interest compounding periods – Did you also know that some lenders compound interest on a Home Equity Line of Credit monthly? Einstein identified compound interest as the 8th wonder of the world and stated that those who know how to use it properly will benefit greatly. This monthly calculation difference over that of a semi-annual will cost you more in the long run.

4. Collateral mortgages – A collateral mortgage is where the lender registers on the title that you owe them more than you actually do. The benefit is that you can borrow additional funds down the road if you so choose without having to visit a lawyer as there is no change to the title of the property. The downside is that these mortgages are much harder to switch out a new lender at renewal which could leave you with a higher than market best rate. Your other borrowing such as for a vehicle or credit cards can now be tied to your mortgage through the nasty fine print. Depending on the lender, you may be required to pay out all of the borrowing associated with the mortgage if you sell. This can leave you in a poor position when you go to buy again with less than you thought as a down payment.

5. Porting Policies – Some of the banks have strange policies. For example, one has a policy where you keep the current mortgage as is and any new funds are taken in a new term at a new rate with a new renewal. That leaves you never able to move your mortgage to a new lender without incurring some penalty. You are stuck potentially not being able to get the best rates which costs you greatly.

All I’m saying is this: ask questions before you sign. Lots of questions. Know if you are opting for a

Ferrari when what you really need is the flexibility, extra leg room and lower costs of the minivan. At Dominion Lending Centres, we can help find the right mortgage and the best rate – give us a call!

Courtesy of Pam Pikkert, AMP – DLC Regional Group

So you have worked hard and saved up a down payment of $25,000. What do you buy a condo or a house with a suite? Sometimes the decision is an easy one while for some it may not be as obvious.

If you have a specific neighborhood in mind which is high density condo living then you may elect to choose a condo. If, however, you are looking in areas where there is a mix of houses and condo units with a range of price points, then talk to your mortgage broker to compare your options.

For example if you have $25,000 you could put that money down as 10% on a $250,000 condo. Your monthly costs would include a mortgage payment of $1,120 and estimated $300 for strata and $120 for taxes for a total of $1,540.

If you take the same amount of $25,000 and put that down on a purchase of a home with a suite for $425,000 your monthly costs including a mortgage payment of $2,000 and estimated $200 per month property taxes would total $2,200. With suite income from a one bedroom at $700 per month your net cost would be $1,500 per month and you have a property worth $175,000 more for the same investment of $25,000. If you want to go up in price you could use the same $25,000 as 5% down on a home worth up to $500,000. This may get you into a better neighborhood with potential for higher suite income or better appreciation on the value. Note: Due to the price point exceeding $425,000 you would give up your first time buyers exemption on property purchase transfer tax.

You may wonder what kind of house with a suite you can buy for $425,000 – $500,000. There are homes located in the Fraser Valley in very nice communities within this price point. If you prefer the condo lifestyle then go that route. If you thought you could only afford to buy a condo instead of a house, you may want to take a closer look at the numbers. Of course it all depends on the strength of your application (your ability to debt service and your credit history).

So when you ask the question what do you buy a condo or a house with a suite? Now you can answer the question with confidence and make an informed decision.

For more information specific to your situation contact your Dominion Lending Centres mortgage professional.

Courtesy of Pauline Tonkin, AMP – DLC Innovative Mortgage Solutions 

So last we left off, I was discussing how Pink Shirt Day is important to me, and should be for everyone. How this one day is meant to be a day to start a conversation that should be lasting for 365 days per year. I can tell you that Dave Teixeira, VP Marketing, Public Relations and Communications for Dominion Lending Centres and I had a pretty remarkable day on February 24th in Vancouver and Victoria. We were able to partake in many media interviews both on the radio and television sharing the important work that Bullying Ends Here is doing in partnership with DLC. Dave then took me on my first ever float plane ride to Victoria for the day where we were welcomed in the BC Legislature and treated to a day of important conversation and introductions. It won’t surprise you that Dave seems to know everyone!

I was able to speak with Travis Price (pictured with me), the ‘creator’ of Pink Shirt Day and learn about all of the important work that he too is doing. Needless to say, there are many incredible individuals out there fighting hard to make this world a better place.

On February 24th, I made the Pink Shirt Day Pledge that I was going to follow through on the important message of keeping the discussion going throughout the year by continuing the wear the Bullying Ends Here pink shirt during every presentation across the Country. I thought it would be a great way to ensure we are the leaders with carrying forward the message, not only with words, but also in our actions.

Since the last blog, I have spoken at many schools in and around Calgary, Lloydminster and now on my way back to Ottawa. While in Lloydminster, I had the pleasure of speaking at 5 schools thanks to Val Thibault of DLC (pictured with me at the right) who worked so hard to put that tour together. Because of her hard work, the program reached just shy of 2,000 students along with being represented in the local media. Not only did Val do all of that, but she welcomed me into her home for a wonderful home cooked meal with her family. Such a wonderful time. Thanks for the love and support Val!

Now I am off to Ottawa to speak to several schools there with thanks, in part, to Trevor Watters and his family. I will also be spending some quality time with Jamie Hubley’s family to catch them up on some of the work that has been taking place since we last met in November. I know they are thankful for all that we do to keep their son’s memory alive and helping those that need it most.

With that said, I want to share with you a success story that I was told about last week. After a presentation, the students went back to their classrooms to debrief. While doing so in one particular classroom, a student stood up and said ‘I saw Tad speak last year at my last school and it also happened to be the same day that I was going to commit suicide. After he spoke, I knew that suicide was not the answer and I got the help that I needed’. The teacher then came and shared that with me to show just how much change the program is making. Not only did it save a student’s life BUT that student is brave enough to share the impact it on them with others. This now brings the total lives saved (as known to me) to be 36.

Some of you have already reached out to me to purchase my first book for yourself and/or others. THANK YOU for that. With the proceeds from the sale of ‘Bullying Ends Here – My Life’ going directly to the charity, we are all making a difference. I just placed an order for another 300 books so please feel free to email me directly at tad@bullyingendshere.ca to arrange an order or visit the website www.bullyingendshere.ca to do so. If you wish to share with your American friends, they can get the book at Amazon.com. The feedback on the book has been truly humbling and I know that it is helping many more people.

I am really excited for the future and commit to pushing myself even harder to make this world a better place. I commit to expanding on my commitment to Jamie’s family of telling the world about their son. I promise to continue saving lives by simply sharing my own story and that of Jamie’s.

Thank you for continuing to read my blog and seeing for yourself just how much change Bullying Ends Here is inspiring. Together, we are not only changing lives, but SAVING them.

Courtesy of Tad Milmine, Founder, Bullying Ends Here