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PublishedbyGenworthCanada2060WinstonParkDriveSuite300OakvilleOntarioL6H5R7www.genworth.caTel1-800-511-8888GenworthCanadaEditorMichaelHopeCreativeDirectorTrishTervitEnvironicsWriterDesignedbyHopeCreativeIn-corporated125DavenportRoadTorontoOntarioM5R1H8www.hopecreative.com416-926-0900ABetterWaytoHomeOwnershipispublishedsemi-annuallybyGenworthMortgageInsuranceCompanyCanadax1cGenworthCanadax1d.ABetterWaytoHomeOwnershipisprotectedbycopyrightandnothingmaybereprintedwhollyorinpartwithoutpermissionfromGenworthCanada.IncompilingthispublicationGenworthCanadareliesuponinformationsuppliedbyanumberofexternalsources.ThepublicationwascreatedonthebeliefofGenworthCanadathatallinformationinitwascorrectatthetimeofprinting.AllideasopinionsandorforecastsexpressedorimpliedhereinareforinformationalpurposesonlyandshouldnotbeconstruedastherecommendationofGenworthCanada.Thispublicationhasbeenpreparedwithoutregardtoanyparticularinvestmentobjectivesfinancialsituationandneeds.GenworthCanadaandrelatedpartiesdisclaimanyandallliabilityandarenotresponsibleinanywayfortheactionstakenorresultsachievedbyanypersonororganizationinrelianceontheinformationstoriesorcontributionsinthispublication.Accordinglyindividualsshouldnotactonanyinformationwithinthispublicationwithoutobtainingspecificadvicefromtheirmortgageorinvestmentadvisorsorfromotherprofessionaladvisors.ContentsContentsWhenx19sagoodtimetobuyAninvestmentofalifetimeGovernmenthelpforthefirst-timehomebuyerBecomeasmartshopperEnergyefficienthomes10questionstoaskbeforehiringarealestateagentHelpinghomeownersthroughdifficultfinancialtimes46810121516Genworthx19sHomebuyerPrivilegesprovidingvaluableongoingsavings19Areyoureallyready22Findingyourcomfortzone20