Annapolis Valley Real Estate

Do it with Doors!

2011-06-13T10:30:00.000-04:00

Improve your home’s interior with doors that are fashionable but practical
One of the easiest and relatively inexpensive ways to give your home a makeover is to update it with new interior doors. Doors can provide privacy, control noise, and manage heating and air conditioning flow. Combined with the right hardware, doors can also enhance your home’s décor.

Formulate the Flow

Whether you’re replacing an existing door or adding a new one to create a quiet spot for reading, doing homework, or just sitting with friends, you need to consider how you want the space to work and interact with adjoining rooms. For smaller rooms, consider options that include bi-fold, sliding and pocket doors to minimize the space needed by a regular hinged door. French doors, which can open into or out of a room, let you retain the light and open look, while also adding architectural interest. If you feel doors interfere with the flow of your home, pocket doors which slide into the adjacent wall, preserve flow while also adding the option for privacy.

Select a Source

There are doors to suit every budget and design scheme, from rustic tongue and groove to contemporary panel styles. Materials in wood and MDF are the most common, both of which can be painted to match any colour scheme. Glass and mirrored doors reflect light and space, and the former can be frosted for privacy. If you want to consider an environmentally friendly source of material, bamboo has gained considerable attention in sustainable design because it is a hardy, durable product from a renewable resource.

Pull it Together

No matter what interior doors you choose, ensure they maintain a design consistency with other doors in your home. For example, French doors can be complemented by paneled doors in bedrooms and hallways. Replacement doors should have the same measurements as the old doors and for new doors, measure the width of the doorway at the top, middle and bottom and use the smallest measurement to determine the size of door required. Top it off with hardware that reflects the door’s design and enhances your home’s décor.

If your doors are looking tired or are out of step with your decorating tastes, update them and be amazed at the difference they make. This is a home improvement that will make your living space more enjoyable and appealing.

Home is Where the… Office is

2011-05-27T09:13:00.000-04:00

10 per cent of Canada’s labour force – or 2.5 million Canadians – work outside the office at least one day a week* and 80 per cent of households own at least one computer. These are just two two reasons why building an office in your home is a good investment. Whether it’s for business or personal use, here’s a few ways to ensure your new home office is both functional and comfortable.
Your first step is to find the ideal space for your home office. Look for a room with enough space to accommodate a desk, office chair, bookshelf, and equipment such as a fax machine, printer, or filing cabinet. If possible, ensure the room isn’t too close to high traffic areas like the kitchen, living room or any other area that may cause distractions. You’ll also want your room to have sufficient natural light, ventilation and easy access to phone lines and electrical outlets.

If finding the perfect space for your office proves difficult, you can always try transforming a large storage area, walk-in closet, or even a section of the basement. Partitioning an existing room is also possible with the help of a few strategically placed bookshelves.

Next you’ll want to plan your work area. To save time and a lot of moving, measure your furniture and the room’s dimensions and draw up a floor plan beforehand. Make sure to leave a clear path from the office door to your seat to prevent constant maneuvering around furniture, and situate your desk near electrical plugs and phone jacks. Install shelving behind your desk for easy access to books and supplies, and position your computer screen at a 90 degree angle from any light source to avoid any glare while you work.

Your final step is to add some style to your office. First choose a colour scheme. Warmer colours like reds and yellows make for a comfortable, upbeat environment, while pastels and darker colours will give you a sophisticated, classy look. Give some visual punch to your office by adding paintings, sculptures, framed photos, or sports memorabilia to walls and bookshelves. Finally, use flowers or green plants to create a little ambiance and improve the air quality. Now your new home office will be ready for work, rest, or play.

*Canadian Telework Association.

Royal LePage Shelter Foundation Garage Sale

2011-05-18T10:54:00.000-04:00

Royal LePage is the only real estate office to have their own charity foudation; it's called the Shelter Foudation. Every individual Royal LePage office has a local shelter. Here at the New Minas office, it's the Chrysalis House; it is a non-profit grassroots organization that provides shelter, support, counselling, advocacy, and outreach for abused women and their children. Services are available for women who have been psychologically, emotionally, physically, and/or sexually abused.

Last year we raised over $1,700 from our Garage Sale.

Our mandate this year: BEAT IT! We more than doubled it! Bringing in a whopping $3,500!

The rain held off, and I think everyone who took part had a really fun time.

Thank you to all those who donated items, and of course, all the yardsalers who made this year's fundraiser such a success! What's the goal for next year? Double it again, of course!

Eco-Smart Gardening Offers Clever Solutions

2011-05-16T15:33:00.000-04:00

Eco-smart gardening makes a lot of sense. It can help reduce carbon dioxide levels, promote environmental sustainability, and even save you a little money. Here are a few quick tips to get you started:
De-fuel. According to Statistics Canada, using a standard gas mower for one hour causes the same amount of pollution as driving a new car 550 kms. For a greener alternative, try using push reel or electric mowers and cordless trimmers. These non-gasoline powered solutions help eliminate harmful emissions, are quieter, and can save you anywhere between $55-550 in annual fuel costs.*

Cut high. Set your lawn mower so it cuts high (approximately 7-8 cm from the ground) to encourage the growth of deep roots. Taller blades and deeper roots make grass more naturally resistant to insects, help control crabgrass, and conserve moisture better by shading the soil.

Grow up, not out. For condo dwellers and those who lack landscape space, growing vertical plants or herbs on the side of your building is a great alternative to a traditional garden. Vertical plants require minimal care, help cut down on noise, and will improve air quality around your living space.

Waste not, want not. 50 per cent of water used for gardening in Canada is wasted as a result of overwatering.** To prevent water waste, use the soaker instead of the mist setting on your hose. This delivers water directly to the base of the plant and reduces water loss due to evaporation. If using a sprinkler, keep the water low to the grass and make sure it doesn’t fall on nearby sidewalks or driveways.

Let it rain. Rainwater, not chemically-treated tap water, is the best source of nutrients for growing your plants and collecting it is always a good idea. Creating your own rainwater collection system can be as easy as setting up jars, bowls, or barrels to collect and store water for drier periods. You can also take advantage of rainwater by positioning downspouts so that water flows directly onto planted beds, lawn areas, or directly into your rainwater collection system. Either way, you can watch your plants grow up, and your water and utility bills go down.

* Analysis based on data from Environment Canada.
** Natural Resources Canada.

Fence Me In: Ideas for Defining Your Outdoor Space

2011-05-09T09:52:00.000-04:00

Good fences make good neighbours – and the right fence can really make your yard. These steps can help you find a style that works for your space.
Step 1: Determine your needs
First, figure out the purpose of your fence. Do you want it to provide privacy? Beautify your yard? Keep kids or pets in? Comply with pool safety standards? Define your property lines? Add to the value of your home? Determining your needs can help you choose the right fence for you.

Step 2: Choose your style
- Private. A solid-board fence blocks an unattractive view completely, but it also cuts out light and breezes and can make you feel boxed in.
- Semi-private. This style, which can have subtle spacing, louvers or lattice to let in light, is friendly, comfortable, and makes your yard feel bigger.
- Open. Great if you want to enclose your property but don’t want to block it off visually.

Step 3: Select your material

Your options are limited only by your imagination and, of course, your budget.

Chain-link. Definitely the most cost-effective choice, but not necessarily the most aesthetically pleasing. It’s good for defining boundaries, keeping kids and pets in, and maintaining a sense of openness. If you’ve got a big yard and a small budget, this is the way to go.

Wood. Styles range from split rail and picket fences to board-on-board styles that look great on both sides and offer privacy, yet let in air and light. The downside to wood? It needs regular maintenance to look good over time.

PVC/vinyl. Vinyl fencing looks just like painted wood, but you’ll never need to paint it – all you have to do is clean it once a year.

Iron, aluminum or steel. Use it if you want an open, formal look. Aluminum, which looks like wrought iron but is less expensive, is the most budget-friendly choice. If cost isn’t an issue, custom ironwork is an excellent way to incorporate a fence or gate that’s completely unique.

Natural “fencing.” Hedges and shrubs reduce noise and dust better than a fence, are less expensive, and look lush and beautiful. You’ll just have to be patient while your “fence” grows in.
A great-looking fence adds tremendous value to your home – whether it’s resale value or your own enjoyment of it over the years. Think carefully about your needs and your personal style, then go ahead and build a fence you’ll love.

Be nice to your neighbours.
Talk to them before you do anything. Choose a design that looks good from both sides, and make sure you know exactly where your property lines are.
Think outside the box.
You may not need to surround your whole yard to get the privacy you want. Consider using a fence to screen in a sitting area or create an outdoor room.

Porches and Patios: Optimize No Matter What Size

2011-05-05T10:00:00.000-04:00

Spring has sprung, and the time to prepare your outdoor space has come. Whether you own a small porch, balcony, or a full-size patio, now is the time to get it ready for warmer weather and welcoming guests.
Beautify a Balcony

A balcony can be transformed into a cozy oasis with little work, and little expense. Get the ground in shape for bare feet by covering it with outdoor carpeting or rattan mats. For low-cost comfort, choose a chair or lounger with weather resistant cushions and add a small table for placing books or drinks. For year-round greenery, buy a large synthetic tropical plant and use planters to add seasonal colour. Top it all off with an interesting bird feeder, a small water fountain, or some wind chimes for interest and relaxation.

Personalize Porches

If front porches could speak, they should say “welcome”. Choose simple furniture that is inviting and relaxing such as rocking chairs or compact swing gliders. Put one or two large planters or urns near the entrance to your porch or home to greet visitors and use them to make a statement with seasonal arrangements that reflect your personal style. Add colour with bright containers of flowers until spring colours emerge from the garden view. Complete your work of art with the one thing every porch needs… a welcome mat!

Perk Up Patios

Patios are a place to escape from the bustle and activity of the home. To help you get a little closer to nature, consider adding an arbor over your patio. Attach climbing plants or vines around your arbor and scatter container plants of seasonal colour to soften your hardscape. Stepping stones angled away from your patio adds dimension, even in the smallest of areas. Add a birdbath or water fountain for tranquility and your patio haven becomes the ideal spot for relaxing solo or a serene backdrop for entertaining.

To spring ahead, think ahead. Start sprucing up your outdoors now and you’ll extend your enjoyment right through to the warm, sunny days of summer.

Your Place in the Past: Researching the History of Your Home

2011-05-03T10:35:00.000-04:00

Who lived in your home before you did? What’s the history of your condo conversion? What was the land used for before your house was there?

If the answers to those questions intrigue you, you may want to research the history of your house, building or the land it’s on. You may be surprised at the interesting information you uncover. Here are a few ideas to help you get your research started:

Check the structure, style and materials of your home.

Style can give you a rough sense of when it was built. Look for original hardware, wallpaper or flooring for further clues. If you’re renovating, check inside the walls for old newspapers, which were often used as insulation.

Open up your filing cabinet.

Your deed, assessment notice, and tax bill can give you clues about the history of your property.

Talk to your neighbours.

Long-time area residents are a great resource. Talk to them – they’ll probably enjoy sharing their memories. Find out if they have old photos of the neighbourhood. You can even track down the former owners of the house and see if they’re willing to chat.

If you live in a newer neighbourhood, check if there’s an older house nestled in among the newly built ones. Talk to the owners – they may have insights into the neighbourhood and the people who once owned the land where your house now stands.

Look online.

Google your street name or neighbourhood. You could find old photos, information about former residents, and details about the properties in your area.

If you own a recently built house or condo, visit to your developer’s website or contact them directly. Condos that have been converted from heritage buildings often include information on the building’s history. You may also find information on suburban developments built on former farms, and urban infill projects may have some interesting history as well.

Visit your local library, archive or museum.

Look for information about your neighbourhood as well as your house or building. Check these resources:
a. Fire insurance plans. Includes info about the date a house or building was built, modified or demolished, what materials were used and the lot size and shape.
b. Property tax assessment rolls. Contain the name and occupation of the owner(s) at time of assessment, as well as a list of occupants, a description of the property and its assessed value.
c. City directories. Listings include the name and occupation of the owner(s).
d. Photographs. Look for images of your home, street or land, or aerial photos of your neighbourhood.

Also look for census record, building permits, and voters lists. Talk to the people that work in the library, museum or archive – they may know about great local resources not mentioned here.

Call the land registry office.

They can tell you how to search for titles to your property, which indicate who built your home and who has owned it over the years.

Finding about your home’s past can be a fun challenge – learning about your property and the people who lived or worked there before you is a great way to get a sense of history, find details to make your restoration historically accurate, get to know your neighbours, and appreciate your home in a whole new way.

Royal LePage Shelter Foundation

2011-04-24T19:51:00.000-04:00

Royal LePage is the only Canadian real estate company with its own charity

The Royal LePage Shelter Foundation has raised more than $10 million to support women and children living in shelters across Canada. Through agent commission contributions and the fundraising activities of the Royal LePage network, we are helping to provide a safe haven and new beginnings to more than 30,000 women and children each year. To break the cycle of violence, the Royal LePage Shelter Foundation also supports long-term violence prevention and education programs. All funds raised by Royal LePage offices remain in their local community and because Royal LePage pays the costs of administration, 100% of all money and effort goes toward this important cause.

Let’s put abuse out of commission!

Locally, all money raised goes directly to The Chrysalis House, a shelter for women and children located in Kings County.

Creating safer homes and safer communities.

www.royallepage.ca/shelter

If you would like to join our campaign to end violence, donations can be made online at www.royallepage.ca/donations.

Let Spring Cleaning Come Naturally

2011-04-18T08:59:00.000-04:00

Did you know that your home can sparkle this spring without using any chemicals? Choose from a wide array of eco friendly cleaners on the market or simply make your own with household ingredients such as vinegar, baking soda, and lemon juice. Here are a few tips to help you become a natural when it comes to spring cleaning:

The Bathroom

Want to bring out a natural shine to your sinks, toilets, and tubs? Create a gentle scouring paste by mixing 4 tbsp baking soda with 1 tbsp water. Generously sprinkle either table salt or baking soda into the sink or tub and use the cut end of half a fresh lemon as a scrubby-pad. Rinse with hot water and your ceramics will be gleaming! Undiluted lemon juice can also be used to dissolve soap scum and hard water deposits.

The Kitchen

Vinegar, a natural antibacterial, has a high acid content which makes it an effective alternative to caustic cleaners for the kitchen. Mix together 1 part water to 1 part vinegar in a new spray bottle and you have a natural solution that will clean stovetops, appliances, countertops (except marble), and floors. For troublesome stains, add a touch of baking soda to the mix.

To help remove finger marks from stainless steel appliances use a microfibre cloth or try a dab of baby oil on a clean cloth. For microwaves, put a few slices of fresh lemon in an uncovered bowl of water and cook on high for about three minutes. Grease and dirt should wipe away easily.

Windows

Let the sunshine in by washing away winter’s grime. Fill a bucket with 25 per cent vinegar and 75 per cent warm water. Put on rubber gloves and soak an old cotton towel in the solution. Rub on windows, and then scrunch up some old newspaper to buff up a shine. If there are any streaks, simply finish off with a dry cloth.

Fabrics and Carpets

Have a stubborn fabric stain? Dab white vinegar onto the stain followed by a mild soap solution such as all natural dishwashing liquid and water. Rinse with a clean damp cloth and blot with a dry towel. Salt can also be used to soak up fresh carpet stains such as red wine, coffee or ink. Simply pour salt on the wet stain, let dry, and then vacuum. Natural ingredients can not only get rid of stains, they’ll help eliminate odours from fabrics too!

Selling this Spring

2011-04-05T10:21:00.000-04:00

Are you considering selling your home this spring? As we head into the year's busiest real estate season, ensuring that your home is in its best condition will help attract maximum interest. Here are some tried and true steps to follow:
Begin the purge.

Put your house on a diet. Give consideration to the appeal of a tidy and organized house and begin removing or donating both the things that clutter your home and the things you don't want to move with you. Choose a drawer, shelf or storage bin, and begin streamlining, room-by-room, a little bit at a time. Seasonal changes can create great opportunities for sorting unworn clothes. You'll be happy to have less on moving day and your closets will look bigger to potential buyers. A garage sale is a great way to purge before your home's first showing.

Fix what's broken or damaged.

Determine what house maintenance is in order. To pass a home inspection, certain repairs may be unavoidable. Taking care of these issues now will ease your burden later and improve your sales opportunities. Simple repairs are also well worth the effort. Painting those chipped shutters and replacing the broken banister rail will provide a return in creating the right impression for a timely sale.

Think like a buyer.

This can be the hardest step since we love our homes and generally assume others will too. Accept that potential buyers have different tastes and consider hiring a house staging professional or 'fluffer' who can objectively determine what needs to change. Consider basic staging techniques such as removing clutter; putting away personal items like photos and trophies; cleaning and sanitizing inside and out, from top to bottom; freshening and neutralizing your colour scheme; making your entrance way appealing; eliminating pet and food odours; enhancing the illusion of space, beautifying your backyard. See the 2006 Royal LePage House Staging Report for more information.

Contact your REALTOR®.

I am your partner in selling what is likely your largest asset. I can assist you in getting your home prepared for sale and in helping you understand the current buying and selling real estate markets. As an experienced, attentive and committed Realtor, I know the market and can put the strength of an established, leading real estate brand to work for you. It's my goal to help you sell your home in the shortest amount of time possible and at the best possible price.

Alternatively, if you have a friend, relative or colleague, who is considering buying or selling, please tell them about me. Your referrals are genuinely appreciated. I will treat your friends and family with the care they deserve so you can be proud you referred me.

Three Ways to Give Your Old Furniture a Face-Lift

2011-03-31T09:43:00.000-04:00

‘Out with the old, and in with the new’, that’s how most people feel about their outdated furniture. But replacing old furniture can be a big hassle, and a big expense. So if it’s time to upgrade your old sofa set or kitchen cabinets, consider giving them a furniture face-lift. Here’s a few tips and tricks to help freshen’ up every day pieces of furniture.

1. Make Your Old Cupboards New Again

Bright colours are always a nice way to combat the winter blahs, especially when it comes to your kitchen cupboards. You can have your cupboards re-finished professionally at a low cost, or tackle it yourself. For those who prefer to do it yourself, remove the hinges and handles from your cupboards and wash them with soap or diluted bleach and let dry. Then lightly sand the doors with fine grade sandpaper and wash them again thoroughly. Finally, add a couple coats of primer and colourful paint and voila, a new set of colourful cupboards!

2. Covering up Old Styles

Has your couch seen better days, or even better decades? A slipcover might be the best way to update your style. Slipcovers don’t just look like sheets thrown over your sofa anymore. Today’s furniture covers are stylish and come in an assortment of colours and designs; they even come in stretch fabrics that make it hard to tell your sofa has even been covered.

3. Out with the Old, in with the Older

A newer, modern look isn’t for everyone. If you have a piece of wooden furniture that you’d like to send back in time, it’s possible to give it an ‘antique’ look. You’ll need to strip your furniture’s paint and apply numerous paints, glues, and glaze mixtures before sanding its surface to create that worn, aged look. Ask your local paint store or decorating centre for an Antique Paint Kit, and follow the instructions.

Big Brothers Big Sisters Bowl for Kids Sake 2011

2011-03-28T08:37:00.000-04:00

Here's an action shot from Big Brothers Big Sisters Bowl for Kids Sake Friday night. The event was a huge success, Royal LePage Atlantic (Valley Offices) raised over $1,200, and Big Brothers Big Sisters of the Annapolis Valley raised over $18,000 in pledges! WOW! Thank you to all my sponsors!

Space Saver Makeovers for Houses & Condos

2011-03-22T12:58:00.000-04:00

Are you constantly misplacing household items like your screwdriver or tennis racquet? If so, perhaps your household needs a little re-organizing. Whether your home is a compact condo, cozy semi, or spacious detached, we can all benefit from a periodic check-in to see if we are making the best use of our space.
For house owners…

Take a peek inside many Canadian garages and chances are you won’t see a car. Garages and basements often become a dumping ground for all the things we rarely use. Here are five quick ways to makeover your garage and/or basement:

•Clear the clutter! Have a yard sale, sell your unused goods online, or donate items to your local charity.
•Add tall utility shelving to free up floor space, keeping any hazardous cleaning, garden, and automotive supplies out of reach of children by placing them on the top shelves.
•Store lesser used items on utility shelving in plastic storage containers with lids to keep out dust and moisture. Use bigger bins on casters for more frequently used items and roll them out of the way, such as under a worktable.
•Clear off your workbench and use a wall or pegboard to hang frequently used tools and store the rest in a tool chest. Use jars or plastic bins for storing and organizing smaller items like nails, screws, and nuts.
•Hang skis, bikes, brooms, shovels, wheelbarrows and other unwieldy sport, garden, and household items off purpose-built wall hooks or in specialty containers to keep them free from damage.

For condo owners…
Even in the smallest of condominium units, there is often under-utilized space. Here are a few ways to help you optimize it:

•Transfer your music collection to a digital format and sell your space-hogging records and CDs.
•Keep out-of-season clothes and spare linens in vacuum-sealed storage bags under the bed. Use hooks for bathrobes, clothes, purses, or even jewellery.
•Use decorative baskets for small items like magazines, hats, scarves, mittens, and children’s toys to keep things neat and organized.
•Open or floating shelving will create the illusion of space while providing stylish storage for household and decorative items.
•Invest in multi-functional furniture versus individual pieces which can take up valuable floor space. For example, a padded ottoman can be used as coffee table, storage space, and extra seating.

Curb Appeal is Critical

2011-03-21T09:13:00.000-04:00

Alluring, or ho-hum: how’s your curb appeal? When you are ready to sell your home, be sure to pay close attention to the exterior and strive for that wow factor. You want your home to standout and shine!
Prospective buyers driving past your property will make snap judgments on whether they want to slow down and see your home, or simply drive away. If the exterior is poorly maintained, with uncut grass, peeling paint on the windows, a dowdy door, or sinking eaves troughs, they’ll assume the inside is just as uncared for. But if a buyer sees an attractive, appealing façade with a nice-looking lawn to boot, they’re going to want to see more – much more.

Beckon buyers up to your front door by painting it in a contrasting colour to the rest of your house. Dark jewel tones of red, blue or green will add a little drama. Consider embellishing the door further with an ornate knocker, polished-metal kickplate or a sumptuous seasonal wreath. Replace plain doorknob hardware with something more attractive.

If your light fixtures and house numbers are looking dull, add a fresh coat of paint to make them look like new. Brass accessories should shine or you may want to refinish them. On a cool, dull day leave lights on: warm lighting creates a cozy ambiance.

Outside your door, planters or urns in resin or cast iron add appeal and interest. In the fall, fill them with colourful chrysanthemums that will last through to the first frost. When signs of winter appear, consider using tall evergreens or dogwood.

Need a new mailbox? An imaginative mailbox adds character to your front door, whether it is a whimsical wood box made to look like a country cottage or a wrought iron creation with the antique look of yesteryear.

If you have pets (especially dogs), clean up any waste and ensure there are no lingering pet odours. Consider taking Fido for a walk if you’re going to show your home. Not all prospective buyers are animal lovers, and a barking dog could intimidate them. Also, be sure the lawn and/or landscaping is in pristine condition.

Buy a new Welcome mat! It’s simple but effective. When prospective buyers step from the impressive outside of your house to the inside, and see clean, clutter free rooms, they’ll be better able to picture themselves living in it. They’ll hopefully feel right at home, and you will have succeeded in creating a memorable first impression.

Making Your Neighbourhood Great

2011-03-07T09:32:00.000-04:00

We all know the “location, location, location” adage. Its part of what buying real estate is all about. But, what actually makes a location great?
According to Jay Walljasper, author of The Great Neighborhood Book, a great neighbourhood is about community. It’s about knowing your neighbours, feeling safe, and having pleasant spaces to be together.
Walljasper’s book offers lots of ideas for making your neighbourhood a better place to live and for building a stronger community:

•Know thy neighbours. Sit on your front steps and say hello as people walk by. Have a chat with the person who pumps your gas or the retired lady down the street. You’d be amazed at how people open up to a little friendliness.

•Create a great gathering spot. A nice playground with benches and shaded areas is a natural place for residents to gather. Communities across Canada have worked together to raise money via personal and corporate donations to build spaces kids and adults love.

•Make it an event. Whether it’s a neighbourhood barbecue, a Saturday street sale, or an organized trick-or-treating event for the kids, getting your neighbours together to do something fun builds friendship and community.

•Walk more, drive less. Get out and enjoy the neighbourhood instead of sealing yourself off in a car. Encourage walking by lobbying the city to widen sidewalks, add crosswalks, and traffic calming zones.

•Be neighbourly. Shovel your neighbour’s walk when they are out of town, offer an afternoon of babysitting to the single parent down the street, or welcome a new neighbour with an invitation to coffee.

•Take back the streets. If you live in an area where crime is a problem, organize a neighbourhood watch and walk around. If you see anything suspicious, notify the police. Criminals are deterred when there are too many people around.

•Shop local. Supporting your local merchants will ensure they succeed along with the distinctive flavour they add to your neighbourhood. If you don’t have shops in your area, it may be due to zoning restrictions. Lobby your city council to change zoning so that retailers can set up shop.

•Take pride. Take care of your neighbourhood the way you take care of your own property. When you go for a walk, bring a bag to pick up litter. Plant flowers in public places. Spruce up the park swings with some fresh paint.

•Take advantage. Enjoy what your neighbourhood has to offer. Hang out at the coffee shop, go for a walk or bike ride, relax in the park. A great neighbourhood is only great if you take time to enjoy it.

It takes work to make things better, but everything you do will pay off through your enjoyment of your community – and increased property values. For more ideas, consult The Great Neighborhood Book. It’s an excellent resource that could spark some greatness is your neighbourhood.

Tips for Renovating Your Basement

2011-02-28T09:46:00.000-04:00

Want to add more space to your home without building up or out? Look no further than your basement. According to the Appraisal Institute of Canada, renovating a basement can give you a 50-75% return on your investment when it comes to selling your home. Here’s how to get it done right:

Start with a plan
What type of space does your family require? Is it an extra living space for your teenager, a playroom for the little one, or perhaps an entertainment area for all to enjoy? Once you decide on how you want to utilize the space, you can layout your design. If budget allows, an architect or interior designer could assist you with the layout design and make valuable suggestions.

Do it yourself or hire a professional?
Depending on your skill set, budget, and time, you may want to enlist the services of a contractor who has the expertise required to finish a basement. If you do it yourself and don't have the required time or skill to do the job correctly, you may find yourself looking at a repair bill far exceeding the amount you originally thought the project would cost. Make an informed decision. Be sure to carefully weigh all factors when deciding which option is right for you, while considering costs, material, labour, and equipment requirements.

Framing
Framing basement walls and ceilings is one of the most important aspects of any basement renovation. Two popular wall framing options are wood or steel studs. Wood is the classic choice. It is versatile, easy to work with, and cost-effective. Whereas steel, although more costly, adds a level of strength, rot resistance and won’t warp and crack like wood might over time. Two popular ceiling framing options are dropped ceiling tiles or drywall. Dropped ceiling tiles provide easy access to pipes and wires which can be a saviour if a tub or toilet on the main level floor springs a leak. Alternatively, dry wall ceilings offer a smooth finish and require less vertical space – a great option if your basement ceiling height is already low.

Flooring
There are plenty of basement flooring choices to choose from including laminate, linoleum, vinyl, wood and ceramic tiles. Be sure to match your flooring choice with the intended use of the space and your geographic location. For example, a game room may require more durable flooring than an office. Do you live in an area with a tendency for flooding or is your location dry? Carpet with high density under pad will offer cushion and moisture protection from the typical condensation found in basements. Engineered hardwood made for below grade installation will flex and handle moisture better than traditional hardwood. Ceramic tile is great for bathrooms and laundry rooms and is easy to install on concrete.

Add a bathroom
Installing a bathroom in the basement is a great way to add value to your home. Determine if you require a full bathroom or if a powder room will suffice. Powder rooms are relatively simple to install, easy to keep clean, and won’t take up too much room. Full three or four piece bathrooms can provide a comfortable, private, and even luxurious, space for overnight visitors to enjoy. With either option, time and costs can be reduced if bathroom fixtures are located near existing plumbing and are arranged in a line on one wall. Be sure to check local codes for plumbing and electrical aspects of your project.

Add storage
No matter what kind of plan you come up with for your basement, remember to factor in plenty of closet or storage space. This will enable you to de-clutter the rest of your home to keep it tidy and inviting. Further, if you ever decide to move, having this extra storage space should appeal to just about any prospective buyer.

A finished basement can not only increase your home enjoyment but it can also add valuable square footage. From everyday living to financial value, finished basements provide many benefits to you as a homeowner.

Royal LePage Identifies Top Renovations With the Best Return on Investment

2011-02-16T07:53:00.000-04:00

Whether doing-it-yourself or hiring a professional, interior painting, hardwood flooring and kitchen upgrades are amongst top renovations.

If you’ve spent years waking up to wood-panelled walls and soft shag rugs, some home renovations, especially if you’re thinking of selling your home, may be in order. While some renovations such as updating a kitchen or bathroom may require a trained professional, there are a number of do-it-yourself projects that are sure to increase a home’s resale value. The Royal LePage Renovations and Returns Survey examines some top renovations that bring the best return on investment (ROI), as compiled by the Royal LePage network.

“Amid today’s competitive real estate market, renovations offer a relatively affordable means to boost the value of a home,” said Lisa da Rocha, vice president, marketing and sales, Royal LePage Real Estate Services. “Do-it-yourself tasks such as painting walls, changing cupboard knobs or laying new flooring will make a house not only more appealing to buyers, but also offer a great return on investment.”

Reasonable and radical renovations.

From simple aesthetics to washroom overhauls, Royal LePage has identified the top renovations that will increase the equity of a home. The list is ranked in ascending order of cost of project.

•Freshen up: Adding a new coat of paint can freshen up a house and make the interior look like new – not to mention more spacious. For homeowners looking to sell in the near term, neutral colours are most preferred.

•Floors galore: Today, hard surfaces are all the rage. If genuine hardwood exceeds budgets, laminate works well. Buyers like to see hard floors throughout, so if possible, be sure to lay down laminate in dining rooms and living rooms, and even in bathrooms and bedrooms.

•Lighten up: Old or standard-grade light fixtures, electrical and light cover plates can easily date a house. To modernize, add distinct flair to the interior, consider installing new light fixtures.

•Pebble Beach? Well, close: The old adage, you never get a second chance to make a first impression is extremely true when it comes to selling a home. To increase curb appeal and entice buyers, ensure front lawns are tidy and gardening is minimal. While there is no need to go overboard and plant an expensive Japanese Maple, adding some standard shrubs and flowers will make a home more inviting.

•Stylishly steel: Similar to the issue with old light fixtures, knobs, fume hoods and backsplashes can make a kitchen seem outdated. Sleek, stainless steel hardware designs have the biggest and most positive impact on those people looking to buy a home.

•Opening all the right doors: An elegant entrance enhances a prospective buyer’s first impression of the house itself.

•ROI from the ground up: To see an even higher return on investment, replace old flooring with new hardwood. While a range of qualities, textures and colours exist, it’s best to opt for a neutral wood colour to accommodate the widest possible array of tastes and décor.

•White picket fence?: Building a fence and a deck instantly boosts a home’s appeal. Keeping kids and pets in the yard, and nosey neighbours out, fences provide the back and side yards with a sense of being finished.

•Occupied, no more: A bathroom situated on the main floor is increasingly seen by homebuyers as an essential fixture in their next purchase. While many older homes were built with bathrooms only on the second floor, many homeowners are resorting to transforming closets or adding new rooms to accommodate two-piece powder rooms.

•Exquisite en suite: Today’s homebuyer prefers bathrooms that have spa-style tubs and modern faucets. Granite and marble tiles are now readily available and can be purchased at relatively affordable prices.

•Everything, and the kitchen sink: While prices can vary when renovating a kitchen, one thing is certain – updated kitchens bring one of the highest returns on investment. With homeowners spending more time in the kitchen than any other room, it’s no surprise they want the best possible style and functionality. Stainless steel appliances, ceramic sinks and clean lines on cupboards rank as the more preferred finish options. Since kitchens and baths can be such a personal space, it’s wise not to select a dramatic style or colour scheme since your tastes may not be the same as the next owner.

For more information visit www.royallepage.ca and click Press Releases.

Hot, Not Bothered: Inexpensive Home Heating Tips

2011-02-14T10:33:00.000-04:00

The dramatically rising cost of home heating is a bothersome concern for most Canadians. Heating your home efficiently this winter will be the key to keeping your energy costs under control. Here are some quick, easy and, most importantly, inexpensive ways to maximize warmth and minimize impact to your pocketbook:
- Adjust Your Personal Thermostat: Wear a sweater and dress warmly around the house. When you're stationary, watching television or reading, you're most susceptible to a chill, so toss a throw around you. Since hot air rises, resist the icy influence of cooler floors with thick socks or slippers.

- Adjust Your Home Thermostat: It goes without saying that the less energy you use, the lower your heating bills will be. Set your thermostat at 21°C when you're home awake, 18°C when you're sleeping and 15°C when you're out of the house. Purchase a programmable thermostat to reduce you heating bill by as much as 20 percent.

- Let the Sun Shine In: While up to 25 per cent of your home's heat is lost through its windows, they are also a source of solar warmth. During daylight hours, keep your drapes open and let the sun help heat your home. Insulate your windows with plastic film to reduce heat loss by 50 per cent. Insulating curtains are expensive, but pay for themselves within 7 years.

- Seal the Leaks: Caulk, seal and weather strip around windows and doorframes, baseboards, ducting and electrical outlets to save up to 20 per cent on your heating bill. Remember to close your fireplace flue when you're not enjoying a fire. Install a door sweep to resist against under-the-door drafts. Turn off the heat supply and close the door to unused rooms, such as a guest bedroom. Close interior doors leading to hallways or stairways to keep the heat where it's needed most.

Tips For A Great Open House!

2011-02-11T13:21:00.000-04:00

These are the Top Ten ways you can help make your next open house an unqualified success:

1. Pick the right date: When you plan your Open House day, make sure to check that calendar so you don’t have it conflict with a holiday such as Mother’s Day or a special event, like Super Bowl Sunday. Doing so might put a damper on turnout.

2. De-clutter: Get rid of clutter around the house, especially in notorious trouble spots like closets and basements. Donate old clothes that don’t fit to charity and hold a garage sale prior to your real estate open house – you’ll probably end up having one before you move anyway, so why not now?

3. Create some major space. Consider moving a few larger items of furniture offsite temporarily -- maybe to your in-laws’ place, a friend’s or to the cottage. Remember, when it comes to a good showing ... less is more. You want to create a spacious feel and easy flow of traffic for visitors.

4. Clean and clean again. Make sure everything in your home is cleaned, polished, and dusted. A home that looks well kept will create a favorable impression. And don’t forget to open the windows for some clean air too!

5. Lighten up! For walls and woodwork, nothing says cared-for like a fresh coat of paint. Choose a neutral, light colour to further add to the illusion of spaciousness. Pull back the drapes, open the blinds and let there be light for your real estate open house!

6. Create curb appeal. Along with the interior, make sure the outside looks properly maintained too. Mow the lawn or shovel the sidewalk as the season requires, sweep the steps and clean the front doors and windows.

7. Promote with the Pros. Your real estate agent will create a promotion plan using various marketing techniques. Whether it’s special signage, direct mail, print advertising, e-marketing or website promotion, it takes a full range of tactics to properly promote your event.

8. Ask the expert. Your REALTOR® can also counsel you further on how to present your home to its best advantage. Leaving on the lights, a fire burning in the fireplace, soft background music playing and coffee brewing all add ambience and make a welcoming impression.

9. Spread the word. Tell your friends and neighbours. Promote your open house while you’re out and about! Community centers like the grocery store, library or skating rink are great spots for you to put up Open House flyers that your real estate agent will prepare in advance of your real estate open house.

10. Get out and stay out! You’ll get better results when your visitors feel free to poke about, linger, and ask very direct questions of your real estate agent. If you’re present, they may feel more constrained. So pack up the dog and the kids, and enjoy your day away... trust your real estate professional to do the job right. After all, they’re the experts!

Time for a Showing - Welcome Buyers Checklist

2011-01-04T11:15:00.000-04:00

Inside:

• Quick once-over with the vacuum
• Place fresh flowers in main rooms
• Put dishes away
• Make beds and put all clothes away
• Open drapes and turn on lights for brighter feel
• Straighten closets
• Put toys away
• Kitchen and bathrooms should shine
• Turn off television
• Play "soft" music on the radio/stereo
• Keep pet out of the way and pet areas clean & odour free
• Secure jewelry, cash, prescription medication and other valuables

Outside:

• Sweep front walkway, keep clear of snow and ice.
• Remove newspapers, bikes & toys
• Park extra cars away from property

2010 Wrap-Up

2010-12-30T09:48:00.001-04:00

As 2010 comes to an end, I'd like to take some time to look back on it, and share some of my experiences.

It certainly hasn't been a boring year! January and February I more or less waited for the phone to ring... which, in a market like the Valley, doesn't work for a new agent! Now that I tried that, I know better for this years winter months.

In March I made the big move to Royal LePage Atlantic, and what can I say - I couldn't be happier! Being a member of the largest Valley Real Estate Office is amazing! Everyone here is so helpful and willing to talk about what has help them succeed. Did I mention I even have my own office, with four walls and a door?! It's the perfect place to realize my potential, and there's even a training program to help accelerate that.

The Spring and Summer months were an exciting time, I had listings and sales lining up often, and I was fortunate enough to carry that into the Fall!

December was a very busy month for me in the office. Each year we sponsor a family for Christmas through the Salvation Army. We supply their food for a Christmas dinner, a breakfast, and everyone is invited to donate money and items for their gifts. This year I took on the responsibility of doing the shopping for their gifts. It was so fun! And I'm a pretty good shopper, so we really got as much stuff as we could for the amount of money we had. Christmas morning in my own home, I couldn't help but imagine how exciting of a time it must have been in their house, and it felt great to know that I was able to help bring them that joy.

One of my most favorite experiences this past year was working with someone who bought a house as a surprise for his partner. Initially, she knew about the entire thing, but the first deal didn't come together, so when she thought that they were going to take a break, and let it sink in for the Sellers, he was meeting with me to draw up a new deal. The only bad part was that when the sold sign went up, he was out of town, so I got a tearful call from her, who thought she had lost the house to someone else. But, SURPRISE! He bought it! What an amazing thing to do, I don't think I'll ever forget that!

I found I worked with a lot of first time home buyers this year, and just as a friend who had been in the business a long time said, FTHB's are the most rewarding people to work with. Though there's a lot of questions to answer and worries, once closing day comes, there's no better feeling handing them the keys, knowing that you did your job well, and they're going to spend a good part of their lives making memories there.

I wish you all a very Happy New Year, and thank you for 2010!

Family fun during winter months

2010-12-30T09:07:00.000-04:00

When pent-up kids need a diversion, cut out bread into stars with a cookie cutter and toast it. Let the kids mix up tuna salad out of mayo, dill, and mustard and spread it onto every point.

If the kids are still bouncing off the walls, mix up some fake Play-Doh: 3 cups of flour, 1.5 cups of salt, 6 teaspoons of cream of tartar, and 3 cups of water. Mix the dough until it balls up and can be handled. Then set the "energy bunnies" to sculpting animals and little cars. If you are the brave type, add food coloring.

Stay tuned as I will continue to add to this list!

Preparing Your Family for Winter Weather

2010-11-26T09:26:00.000-04:00

You've remembered to winterize your house and your car, but is your family ready? Be sure to prepare your kids and your kitchen for snowy days and long winter nights.

Ice, snow, and, perhaps worse, lots of "snow days" with the kids in the house. Are you and your family "winterized"?

Preparing for unexpected campouts in your living room is not exactly akin to preparing for a terrorist attack, but some of the same precautions apply. Ice can put weight on electrical lines and cut off power, so have the following on hand:

-Flashlights and batteries; candles are not a wise choice, because in bad weather you can have a fire and no one can reach you.
-Plenty of blankets.

-A safety kit for your car, consisting of shovel, sand or cat litter for traction, tire chains, booster cables, a cell phone, extra warm clothing or boots, an ice scraper, small tools, winter sleeping bag or blankets, snack food, water, flashlight with good batteries, matches and newspapers, games and toys, zip-top bags (for elimination if stranded), and a 12-volt adapter coil heater that can plug into the lighter to heat water.

-Salt or sand for treacherous sidewalks.

-Safe, radiant space heater (no open coils).

-Fan for fireplace that blows heat into the room and does not suck it up the chimney.

-Supplies of medication to last a few days at least.

-The phone numbers of older or disabled neighbors, just in case.

Making Your Kitchen Ready for Winter

Food to stock up on:

-Steel cut oats, for oatmeal

-Frozen berries. Great in that oatmeal for any meal of the day

-Peanut butter

-Tuna

-Garbanzo beans

-Canned juices

-Crackers/bread

-Long-keeping milk (shelf-stable)
-Vitamins

-Baby food. And don't forget diapers, towelettes, bottles, ointment, and the rest.

-Pet food

-Carrots, squash, and apples. Keep apples in the fridge, they last a month that way.

-Raisins and nuts

-A slow cooker

Next post will activities your family can do when the power is out, or it is a snow day. Stay tuned!

Winterizing Checklist

2010-11-17T12:08:00.000-04:00

Don't get caught off guard. Be prepared for winter with this quick check list

Service Weather-Specific Equipment

•Drain gas from lawnmowers.

•Service or tune-up snow blowers.

•Replace worn rakes and snow shovels.

•Clean, dry and store summer gardening equipment.

•Sharpen ice choppers and buy bags of ice-melt / sand.

Time to Winterize Your Home

2010-11-16T07:54:00.000-04:00

Yes, hard to believe the snow could start falling any day now. Don't be caught off guard, with these few tips you can easily get your home ready for winterm and while you're at it, be more energy efficient! Talk about a win-win situation!

Even homes with adequate insulation material and water pipe heat tape can be further fortified for winter months. Regardless if winter is already well under way, it still isn’t too late to winterize your home. The following steps can save you time, money, and help you avoid inconvenient cold-weather emergencies.

•Check insulation: be sure your attic, basement, and exterior walls are properly insulated and up to code. Depending upon insulation product used, replace or add to batt insulation (also known as blanket insulation) or other insulation material. If you have blown in insulation, a building contractor can determine whether or not more is required.

•Check for cold air entry ports: give your house the once-over; look for areas where cold air can seep in, and inside heat escape – adding to fuel costs. Check external wall electrical outlets, switch-plates, and gaps around windows and doors. Foam insulation made for outlet and switch placement is inexpensive, a breeze to install, and effective. Door weather stripping and window weather stripping made from metal, vinyl, sponge, felt, or foam can also help considerably. Caulk draft areas where weather stripping is not appropriate.

•Check furnace: this may not fit under the winterize your home category, but replacing the furnace filter every 4 to 6 weeks will help your furnace run more efficiently and cut down on heating costs. If you suspect your furnace isn’t running at top performance, have a heating repair contractor inspect it.

New Listing - Lot 43 Andrew Point Road, Waterloo Lake

2010-11-15T16:21:00.001-04:00

Dotted with islands, Waterloo Lake is part of a chain of lakes which make it one of the best canoe routes in Nova Scotia. Trout have been stocked in the lake for many years. Lying on Hwy 10, in the heart of southern NS, Waterloo Lake Retreats has phone & electric service already in place. The lake has several homes & cottages - however, it remains a quiet place to enjoy; and there are protective covenants in place to protect your investment. With 350 sq ft of water frontage, this 2.201 acre lot is awaiting the new owner to build a home/cottage. Make it yours; call today.

Priced at $49,900
MLS® # 05277264

How to Hire an Agent When Listing Your Home

2010-10-25T10:39:00.000-04:00

Interview several agents - this in and of itself won’t help you if you don’t research what to ask or what you want. Different properties will have different marketing and service requirements. Generally the more money you want or the more difficult the property is to sell the more marketing and service you require. Ask the agents you interview:

-How exactly will they advertise your home? What will they do in addition to placing your home on the MLS® system? When a buyer clicks for more info on http://www.realtor.ca/ do they go to the agents home page or a web site specifically for your home?

-Ask for references and touch base with the people given as references.

-Ask to see samples of current listings and the marketing materials.

-Check out their listings on line. How are the pictures? Are they putting in lots of content or just doing the minimum

-Can you find their website easily? Think like a buyer, how would they find your home? Try it yourself.

-Ask for a list of services that will be provided and ask them to incorporate them into the written service agreement. If your agent doesn’t provide the services you are looking for then at least you’ll know, and you can decide whether or not you want to use them.

-Ask friends and family for referrals, and ask why they liked the agent.

-Ask for the listings to sales ratio... just because an agent has a lot of listings doesn't mean they all sell.

-Ask who you will be dealing with during the listing - will the agent answer questions and negotiate on your behalf or will someone else step in?

-What kind of reporting do they provide? Ask to see an example of an update they sent to a client.

-Make a list of your expectations, and ask if the agent will provide all the services you expect.

-Ask if they offer a service guarantee. What if you are unhappy - will they cancel the agreement and if so, do they charge a fee for cancellations?

As with any agreement you want to enter it with your eyes wide open, instead of just assuming things will turn out the way you expect.

New Listing - 8 Locust Avenue, Wolfville

2010-10-14T11:28:00.001-04:00

Convenience, space & character are words that best describe this home. Nestled on a quiet street, but just steps to downtown, sits this 5 bdrm, 2.5 sty home. Features include: stainless steel fridge & stove, all new windows (less than 5 years old), and best of all, NO CARPETS! The flooring is mostly original hardwood, that has been restored to its original beauty. Can`t beat the view of the Minas Basin from the third floor, come check it out for yourself!

Priced at $245,000
MLS® # 55275010

Real Estate Glossary

2010-10-05T16:00:00.000-04:00

For your convenience, the post below is a real estate glossary, that will turn all of you into real estate terms pros!

- A -

Abstract: A written history of the title to a parcel of real estate as recorded in a land registry office.

Acceptance: A legal term referring to the acceptance of an offer. A buyer offers to buy and the seller accepts the offer.

Agency: The relationship between an individual and agent which arises out of a contract (written or oral) in which the agent is employed and authorized by the individual to represent him or her in business transactions with a third party.

Ad Valorem :"According to value." A method of imposing a tax on the ownership of real property.

Agreement for Sale: An agreement for the purchase of real estate property in which the purchase price is paid in installments and the title is not conveyed to the purchaser until the purchase price is paid in full.

Agreement for Purchase and Sale: A contract by which one party agrees to sell and another agrees to purchase.

Amortization: The number of years it takes to repay the entire amount of a mortgage.

Appraisal: An estimate of a property's market value, used by lenders in determining the amount of the mortgage.

Appreciation: The increase in a property's value over time.

Assessed Value: A valuation placed on the property as a basis for municipal taxation.

Assumption of a mortgage: The taking of title to property by an individual where he or she assumes liability for an existing mortgage against the property and they become personally liable for the payment of such mortgage debt.

- B -

Balance due on completion: The amount of money the purchaser will be required to pay to the seller to complete the purchase , after all adjustments have been made. Blended mortgage payments Equal or regular mortgage payments, consisting of both a principal and an interest component.

Balloon Payment: Where the final installment payment on a note is greater than the preceding installment payments and it pays the note in full, such final installment is termed a balloon payment.

Broker: A real estate professional licensed by Ontario to facilitate the sale, lease or exchange of a property.

Buy-down: When the seller reduces the interest rate on a mortgage by paying the difference between the reduced rate and market rate directly to the lender (or the purchaser) in one lump sum or monthly installments.

- C -

Caveat Emptor: A Latin expression meaning "Let the buyer beware". Because the onus of examining the goods or property being purchased is on the buyer, the buyer is therefore at risk.

Chattel: Personal property which is tangible and moveable.

Closing: The real estate transaction's completion, when the parties involved agree that all legal and financial obligations have been met and the deed to the property is transferred from the seller to the buyer.

Closing Costs: Expenses in addition to the purchase price for buying and selling a property.

Commission: Monies paid to an agent upon the sale or lease of property, usually as a percentage of the amount involved.

Common elements: The portions of a condominium development owned in common (shared) by the unit owners.

Contract: A contract is a legally binding agreement between two or more cable persons. The agreement says that in return for a lawful and genuinely intended act a certain value will be placed. The contract must be in writing.

Conventional mortgage: A first mortgage issued for up to 75% of the property's appraised value or purchase price, whichever is lower.

Counteroffer: One party's written response to the other party's offer during the negotiation of a real estate purchase between buyer and seller.

Covenant: An agreement contained in a deed and creating an obligation. It may be positive, stipulating the performance of some act, or it may be negative and restrictive, forbidding other acts.

Creditor: A person to whom a debt is owed by another person usually called a debtor.

- D -

Date of Completion: The date specified in the agreement of purchase and sale, when the purchaser is to deliver the balance of money due and the seller delivers a duly executed deed and vacant possession of the property.

Debt service ratio: The percentage of a borrower's gross income that can be used for housing costs, including mortgage payment and taxes (and condominium fees, where applicable).

Deed: A legal document in writing, duly executed and deliver, that conveys (transfers) ownership of a property to the buyer.

Deposit: The payment of money or other valuable consideration as pledge for fulfillment of the contract.

- E -

Easement: A legal right to use or cross (right-of-way) another person's land for limited purposes. A common example is a utility company's right to run wires or lay pipe across a property.

Encroachment: An intrusion onto an adjoining property. A neighbor's fence, storage shed or overhanging roof line that partially (or even fully) intrudes onto your property are examples of encroachments.

Equity: The difference between the price for which a property can be sold and the mortgage(s) on the property. Equity is the owner's "stake" in a property.

Exclusive Listing: A document giving the sole right to offer a described piece of property for sale, according to the terms of the agency agreement.

- F -

Foreclosure: Court actions taken by a mortgagee, when default occurs on a mortgage, causing forfeiture of the property.

- I -

Intestate: A person who dies without a will or leaves one which is defective in form.

- L -

Land Transfer Tax: Payment to the provincial government for transferring property from the seller to the buyer.

Lease: A contract between landlord and tenant for the occupation or use of the landlord's property by the tenant for a specified time and for a specified consideration.

Lien: Any legal claim against a property, filed to ensure payment of a debt.

Listing: An oral or written agreement between a property owner and a broker authorizing the broker to offer the owner's real property for sale or lease.

- M -

Mortgage: The conveyance of property to a creditor as security for payment of a debt; i.e., the lender or creditor.

Mortgagee: The one to whom property is conveyed as security for the payment of a debt; i.e., the lender or creditor.

Mortgagor: The one who makes the mortgage, i.e., the borrower or debtor.

Multiple Listing: An arrangement between brokers, usually real estate board members, whereby each broker presents his listings to the other members, who may negotiate the transaction.

Multiple Listing Service: A system for relaying information to realtors about properties for sale.

- O -

Open mortgage: A mortgage that can be prepaid or renegotiated at any time and in any amount, without penalty.

- P -

Power of Attorney: Delegated written authority to a person allowing that person to act on the behalf of another person.

Principal: The employer of an agent or broker who gives the agent or broker the authority to do some act for him or her. In real estate, usually the owner of a property.

- R -

Real Estate: Real Estate includes real property, leasehold and business whether with or without premises, fixtures, stock-in-trade, goods or chattels in connection with the operations of the business (Real Estate Business and Brokers Act).

Real Estate Broker: A person who represents a principal or owner in a real estate trade.

Realtor: A registered word which may only be used by an active member of a real estate board affiliated with the Canadian Real Estate Association.

- S -

Salesperson: An employee of a broker authorized to trade in real estate (as defined within the Ontario Real Estate Business Brokers Act). Also can be referred to as a Sales Representative.

- T -

Title: The legal evidence of ownership in a property.

Title search: A detailed examination of the ownership documents to ensure there are no liens or other encumbrances on the property and no questions regarding the seller's ownership claim.

- V -

Variable-rate mortgage: A mortgage for which payments are fixed, but whose interest rate changes in relationship to fluctuating market interest rates. If market rates go up, a larger portion of the payment goes to interest. If rates go down, a larger portion of the payment is applied to the principal.

Vendor-take-back mortgage: When sellers use their equity in a property to provide some or all of the mortgage financing in order to sell the property.

- Z -

Zoning regulations: Strict guidelines, set and enforced by municipal governments, regulating how a property may or may not be used.

New Listing - 1109 Starrs Point Road, Port Williams

2010-10-04T20:39:00.000-04:00

Here it is! The starter home you`ve been searching for! Located in the heart of Port Williams, this 3 bdrm home has a low maintenance yard that is a treat for gardeners. Both front & back yards offer new garden boxes. Many upgrades in recent years include new oil furnace (3 yrs) some new windows and new side deck. Upstairs you will find a master suite which offers ample built-in storage space. The ensuite half-bath has ceramic flooring while the master offers luxurious bamboo hardwood.

Priced at $149,900

MLS® # 55037022

Space Heater Safety Tips

2010-10-01T10:00:00.000-04:00

During the fall and winter months, space heaters are an effective way to provide temporary or supplemental warmth in a home or garage. Space heaters, however, by their very design and portability present shock, fire and burn hazards when used incorrectly and special precautions must be taken whenever they are used.

The following tips for the safe use of space heaters issued by the Canadian Standards Association (CSA) are applicable to all homeowners:

Selection: When purchasing a new heater, ensure that it has been tested and certified to the applicable standards by an accredited certification organization.

Instructions: Always follow the manufacturer's installation and operating instructions and all warnings before using a space heater. If you do not have or understand the instructions, contact the manufacturer directly.

Temporary use: Electric portable fan space heaters are designed to provide temporary warmth only. They should never be permanently installed or mounted and should not be operated continuously over extended periods of time. Portable heaters should never be suspended from ceilings or rafters or in any other manner.

Never hard-wiring: Never removing the plug and direct wire a portable heater to a power supply or modify or tamper with the construction of the unit.

Ventilation: In order to avoid overheating, electric fan space heaters must have proper ventilation across the elements. Never position the heater in an area that will limit the airflow to or from the fan.

Connection: Before turning the heater on, make sure the power supply cord's plug cap is fully inserted into the outlet. To avoid overheating and a potential fire hazard, do not use an extension cord with the heater.

Electric supply: Use of an electrical outlet with a Ground Fault Circuit Interrupter (GFCI) or a ground fault protected circuit is recommended. Only use a properly rated fused circuit or a breaker-protected circuit for powering the unit as indicated by the manufacturer's instructions.

Combustibles: To avoid the risk of fire, do not use heating equipment near combustible surfaces. Heaters should only be installed on a noncombustible surface that extends sufficiently beyond the front of the heater. Never operate a heater near flammable materials or in proximity to any volatile or flammable chemicals or vapors.

Air supply: Never block a heater's air flow. Obstruction of a heater's air intake or exhaust could lead to overheating and a potential fire hazard. Do not insert or allow foreign objects to enter any air vent as this may cause a potential for electric shock, fire or damage to the equipment and never use the heater to dry clothes.

Maintenance and storage: Always ensure heaters have had sufficient time to cool down after use before moving or storing and be sure to store heaters in a dry location. Check regularly if there are rust marks or degradation signs on the heating element and follow the manufacturer's instruction for proper maintenance and replacement. Do not use the heater if it has been exposed to any mechanical damage. Periodically clean the heater of any dust or particle accumulation. If you suspect the heater has been damaged or does not seem to work properly, discontinue use and refer to the manufacturer's instructions.

Extra caution: Use extra caution when operating portable heaters. Do not leave a heater running while unattended or use a heater in a position where it can be easily overturned or fall.

In addtion to hazards associated with improper use, space heaters are one of the most commonly recalled appliances due to manufacturing defects. A list of many of the recalled units can be found at the Consumer Product Safety Commission’s. In Canada, also visit the CSA website for additional information on space heaters.

Easily become energy efficient!

2010-09-22T07:13:00.000-04:00

Reducing home energy usage can add comfort and provide long-term financial gains for consumers. Energy conservation means taking steps and adopting habits that decrease the amount of energy used to operate one's home. Energy efficiency means using improved technology to decrease energy demand. Both of these areas offer homeowners ways to reduce their energy bills - and actions range from very simple efforts like closing windows and turning off lights, to installing new, high-efficiency heating and cooling equipment.

The average Canadian household spends $1,200 to $1,800 each year on utility bills. Of this total, energy usage breaks down in the following way:
- Heating and cooling (1/2)
- Appliances and lighting (1/3)
- Water heating (1/8)

Below are some simple conservation and efficiency improvements that most homeowners can undertake this season:

Set your thermostat to a lower temperature in the Fall. Or, install a programmable thermostat ($40 - $100) that you can program to match the heating and cooling of your home to your own personal schedule. These units typically offer savings of 10 to 15 percent without compromising comfort.

Check and change air filters regularly. Dirty filters can reduce heating, ventilation, and air conditioning (HVAC) system efficiency.

Replace high-use lights with compact fluorescent lamps. Light fixtures used more than two hours per day on average are good candidates for replacement with compact fluorescent lamps. The energy bill savings will more than pay for the extra cost of the lamps over their lifetime, and you will have to replace fewer lamps because fluorescent lamps last ten times longer than ordinary light bulbs. Installing motion sensors or timers on outdoor lights, instead of leaving the lights on during nighttime hours, can also help to reduce the electricity bill.

Look for sources of air leakage in your house. Outdoor air leakage comprises up to 30 per cent of the overall heating and cooling load, so cutting down on air leakage offers significant savings for a job that requires little in the way of costs. Common products like weather stripping can be used to plug leaks from cracks and holes at locations like door frames, windows, and attic access hatches.

Check insulation levels and possibly add additional insulation in attics and crawlspaces. Local utilities or Home Builder Associations can help you determine the recommended insulation levels for your area. This conservation effort decreases heating and cooling costs and increases comfort.

For homes with forced-air heating/cooling systems, seal duct joints with mastic or high-quality, UL-listed foil-backed duct tape and insulate ducts in unconditioned spaces like attics and crawlspaces.

Set the temperature on your water heater to 115 to 120º F. Higher settings are unnecessary and more costly.

Consider alternatives to help keep your home cool. Fans and dehumidifiers use less energy than air conditioners and can help to make the home comfortable during the warm months.

When buying or replacing appliances, choose energy efficient models.

Weatherize your windows, and consider replacing single-pane windows. Double-pane windows that are gas-filled with high performance glass (e.g. "low-e" glass) perform much better than their single-pane counterparts.

Use less hot water. The less hot water you use, the less your water heater has to work. To accomplish this, consider replacing your shower head with a low-flow shower fixture, use your dishwasher's "energy saver" and/or "water saver" setting, and consider switching your washing machine's temperature setting from hot to warm or cold.

Practice conservation habits to save energy. Turn off lights that aren't being used, take shorter showers, and run the dishwasher only for full loads. All of these small steps can have a big impact on utility bills.

Keep your utility bills low, and the money in your wallet - sounds like a win-win to me!

More Fall Maintenance Tips

2010-09-13T11:35:00.000-04:00

Better safe than sorry, here's some more maintance tips for this fall:

- Check all window and door locks for proper operation

- Inspect your home for water leaks

- Review your fire escape plan with your family

- Make sure there are working nightlights at the top and bottom of all stairs

- Protect your home from frozen pipes

- Replace your furnace filter

- Run all gas-powered lawn equipment until the fuel is gone

- Test your emergency generator (if applicable)

- Have a certified chimney sweep inspect and clean the flues and check your fireplace damper

- Remove bird nests from chimney flues and outdoor electrical fixtures

- Inspect and clean dust from the covers of your smoke and carbon monoxide alarms

- Make sure the caulking around doors and windows is adequate to reduce heat/cooling loss

- Make sure that the caulking around your bathroom fixtures is adequate to prevent water from seeping into the
sub-flooring

Fall Home Maintenance

2010-09-08T08:36:00.000-04:00

Well it's that time of year again, summer has ended, the kids have gone back to school and the days have started to get shorter, it's time to think about getting your house ready for a cooler season.

For your convenience, I have put together a list of home maintenance tips for fall.

– Have your furnace and heating system serviced by a qualified technician.

– Check venting systems of all of your equipment to ensure there are no obstructions. For example, check your chimney for things such as bird, squirrel and raccoon nests. If the chimney is blocked, the combustion gases are not going to leave the house. The flue needs to be open. Direct vents should be checked so that there are no bees or wasp nests.

– Clean leaves from eaves troughs and downspouts to ensure proper drainage from the roof.

– If you have a heat recovery ventilator, clean the intake grill outside and the filters inside the unit. Pour water down the condensation drain to test it.

– Ensure that the ground around your house slopes away from the foundation wall to prevent water from draining into your basement.

– Check exhaust ducts from dryers, bathroom fans and kitchen ranges that lead to the outside to make sure there are no obstructions. Check under the flaps to make sure nothing is nesting inside and clean it out.

– Vacuum electric baseboard heaters to remove dust and remove the grilles on forced air systems, and vacuum inside the ducts.

– Ensure all windows and doors shut tightly, including the door between the house and garage; if you have one. It may be time to do some weather stripping.

– Run the dehumidifier in the basement throughout the fall. It should be run from spring to fall. It helps to remove a lot of moisture.

– If you have interior screens on windows and doors, remove them and store the screens for winter. It promotes better air circulation to warm the glass and it may help to prevent condensation on windows.

For homes in rural areas - don't store firewood inside because it brings in a lot of moisture!
                                   - have your well water tested for quality
                                   - check the sump pump and line to ensure they work properly
                                   - if you have a septic tank, measure the sludge and scum to
                                     determine if it needs to be emptied before spring

How To Increase The Price Of Any Income Property

2010-08-16T08:58:00.000-04:00

The main value indicator of commercial real estate is based on how much net income it produces. The key word in this statement is ‘net income.’ An investor is not looking for revenue of $25,000 in rent each month only to find that the expenses amount to $30,000 – this is just a money-losing property. A buyer is looking for a property with a solid income and a good rate of return. Increasing the net income of a commercial property can be achieved in two main ways.
Increase Rent

The most obvious way to increase the value of a commercial property is to increase the base rent of each unit. Of course, this does not make a landlord a well-liked individual; however, one does not need to add sharp increases to add significant value to the property.

Take for example a 10 unit apartment building with rent set at $800 per unit per month. With a total rent of approximately $8,000 per month or $96,000 per year and expenses at $65,000 per year, the net income would be approximately $31,000 per year. Based on a 9% expected return on investment (ROI) this property would be worth $344,444 to a buyer. If the rent on each unit can be raised by only 2.5% ($20) the net income would rise to $33,400 and the building would now be worth $371,111. That’s a $26,666 increase in value for only $20 per month!

While the rents are the easiest place to add both cash flow and value to a building, this is not always the best option. By raising rents a landlord will run the risk of having people leave the building, thus creating vacancies in the process – a key consideration in any rental market.

Decrease Expenses

Another great way to increase property value, and does not directly affect the tenants, is to decrease monthly expenses. This is an often-overlooked item because it is much harder to accomplish than simply writing a rent adjustment letter and distributing it throughout the building. Decreasing costs should be an ongoing duty of the property manager and building owner.

To begin this option, utilize the help of a Certified Professional Accountant. A professional accountant can usually uncover additional ways to successful cut costs, taxes and fees in your operation. They will also help you look at all outgoing expenses and determine which could be reduced or eliminated.

Reduced Expenses: these may include utility invoices (reduce water and electrical consumption in public areas), cleaning (outsource to the lowest qualified bidder) and advertising costs (ask for referrals from good tenants)

Eliminated Expenses: gas or heating costs (write these as owner responsibility), yard maintenance (remove grass and add decorative stone) and energy (eliminate free electrical outlets for parking)

The wealth that can be generated by commercial real estate is almost limitless. Over time, having the ability to increase the net income from a property will result in a much higher value and sale price when the time comes. By using different techniques to either increase revenue generated from the property or reduce expenses, these small changes will lead to much larger sale prices.

5 Tips for House Hunting

2010-08-13T07:47:00.000-04:00

Here are five tips for success with first-time home buying:

House Hunting Tip #1 - Bring a Friend Along

Do you have a friend or family member with strong opinions on everything? You know the one. Well, bring them along during your house hunting trips!

When you think about it, it makes perfect sense. The house hunting process stirs up a lot of different emotions -- excitement, anxiety, joy, fear, frustration, exhilaration. And while these emotions are perfectly normal, they can cloud your judgment. That's not something you want when making a big financial decision.

You can balance this out by bringing a friend or family member along on your house hunting trips. This gives you an objective ally who can help you identify the pros and cons of each house. Chances are, they'll also be able to spot aspects of a house you might have missed otherwise.

House Hunting Tip #2 - Take Pictures of Each Home

Do you have a digital camera, or do you know somebody who does? If so, you have the ideal tool to help with the house hunting process. Take pictures of every house you visit, and then categorize them in folders by house address. This will help you recall the details of each house later on (when the details tend to blur together).

The photos will also give you an opportunity to see each home more objectively, after your initial excitement has faded. Then you can more easily decide which houses you'd like to follow-up on.

Tip #3 - Compare the House to Your Budget

Have you heard the expression "house poor"? House poor is what happens when people spend too much money and take on more of a mortgage loan than they can comfortably afford.

Think of it this way. If you have to work longer hours and scrape by each month just to afford a house ... is it really worth it? Keep your finances in mind, no matter how beautiful a house may be.

House Hunting Tip #4 - Consider the Commute

So you've found a home you like, and it's well within your price range. The next thing to consider is the location. How far is the home from work? Does it have easy access to the major roadways you need? How long is your daily commute going to be?

It's easy to be so enamored with a home that you forget about the drive time. But if you commute every day, drive time is a quality-of-life issue you can't afford to dismiss. Try driving to or from the house during rush hour. That will give you a good idea of what you'll face every day.

Tip #5 - Avoid Snap Decisions

Buying a home will probably be the biggest financial decision of your life. So it deserves careful consideration each step of the way. Even in a hot market where homes sell quickly, you have to make wise decisions based on research.

Remember, there will always be another house to come along. So even if you miss one due to your cautious approach, another home will be right around the corner. Keep these tips in mind while house hunting and you will have a much better experience.

Negotiation Strategies For Buying Property

2010-08-12T10:56:00.000-04:00

The Real Estate negotiation process can be a fun and exciting experience; especially when you are prepared and have a good negotiation strategy in mind. Here are some basic rules for handling property or any other negotiation in your business. By implementing these steps into your process you can hold your ground, get a fair deal and obtain property at the price you want.

Determine Your Target Price

If you have a target price in mind prior to the negotiation process you can effectively design your offer and counter-offer strategy to reach this goal. Make sure your price is reasonable; balancing your desire to own the property with market price and value fundamentals.

Offer Less Than You Expect to Get

Even if you have never heard of negotiation strategy, you probably already know to start your offer low to see what response you get. If you do nothing else, this strategy should reduce the asking price by 1 or 2 percent.

Bracket the Offer Effectively

Untrained negotiators usually expect to transact at a price halfway between their starting point and your initial offer. “Bracketing” means that you have taken this knowledge into consideration and have made adjustments within your offer to reflect it. The opening position should be low enough that if the seller splits the difference, the resulting price is lower than your target. For example, if the asking price is $110,000 and your target price is $105,000, you may bracket this negotiation with an offer of $98,500 (rather than $100,000). This would create a range of $11,500 and a higher chance of you obtaining the property at or below your target price.

Never Offer to Split the Difference

Splitting the difference in a negotiation means that you offer a number that is half way between both sides. The problem with this method is that if you are the one that makes this offer, the seller can now negotiate with your new price as a low point. You effectively re-bracket yourself with the estimated final price above your target.

For example, if your offer is $180,000 and their asking price is $220,000, an effective negotiation should result with an approximate $200,000 final price. If you offer to split the difference too quickly, the new bracket positions will be $200,000 and $220,000. In this case, the probable outcome will be closer to $210,000 and you will have left $10,000 on the table.

Look for Gains Beyond Price

Once the price is close to final, see if you are able to get anything more out of the deal. There are literally hundreds of ways to do this so try something unique. The sellers are not usually willing to counter-offer - removing the request – and risk losing the deal.

Final Thoughts

Using a negotiation strategy will ensure that you have created a final deal that satisfies both parties. You will have ethically presented yourself and your offers with proactive purpose, rather than reactive response and you will obtain the best outcome possible for your negotiation. These rules will help you understand the process and successfully obtain the properties you want to buy.

The Importance of Home Inspections When Buying A Home

2010-08-06T10:17:00.000-04:00

A home inspection prior to purchasing a home or condominium can bring peace of mind when you sign the sales contract. Knowing what to expect both inside and out will help you make an informed decision about the value of the home and the future upkeep.
A home inspection accomplishes two important goals. First, it gives you a chance to determine the condition of the house, its structural soundness, and the condition of its mechanical systems. Second, it brings any problems to the seller’s attention at a time when they can be resolved before closing a sale.

A comprehensive inspection includes a visual examination of the structure from top to bottom, including the heating, air conditioning systems, the interior plumbing and electrical systems, the roof and visible insulation, walls, ceilings, floors, windows and doors, the foundation, basement and visible structure.

Following the examination, the inspector will provide a report that not only points out possible defects or areas of concerns, but also the positive aspects of the structure as well as the type of maintenance that will be necessary to keep the home in good shape.

Even the most experienced homeowners lack the knowledge and expertise of a professional inspection firm. For example, watermarks in the basement may indicate a chronic seepage problem, or simply may be a result of a single incident.

A professional assessment will provide complete information about the condition of the property you are considering and will help avoid any unpleasant surprises after the sale. In addition, a home inspector can remain totally objective, while you as a prospective homebuyer may be emotionally involved.

The inspection fee for a typical single-family house can vary depending upon the geographic area. The particular features of the home such as size, age and special structures will be taken into consideration. A decision to have a home inspected is a good investment. You might save many times the cost of inspection by being aware of defects, maintenance requirements, and upgrading requirements.

Good decorating should not sell you on a house. Remember, you’re also buying structural and mechanical systems. Walk through a house twice before you hire an inspector. The first time, look at the rooms, the floor plan, and envision your own decorating ideas for the house. The second time, go back and look at the condition of the walls, doors, appliance, and plumbing. If the home still looks good after two visits and you’re getting serious about the purchase, hire an inspector.

When interviewing a potential home inspection firm, carefully inquire about the specifics of their work and company. Ask how long they have been in business, ask for references from previous customers. Find out what type of insurance they carry and do they guarantee inspections? Ask if they go on the roof?

A home inspection usually lasts about three hours. Professional inspection companies will be happy to answer all your questions. Avoid firms that issue only a verbal report. The report should be in narrative form, not just a checklist of items inspected. The home inspector should also issue a written report with accurate cost estimates for any major defects discovered during the inspection. You may find it valuable to accompany the inspector as he goes through the house.

First Time Home Buyers Information

2010-08-05T15:09:00.000-04:00

What can I expect for Closing costs?

It is recommended that you have an additional 3% for your closing costs. This is in addition to your down payment. Some of the closing costs you can expect to incur, are, Lawyers fees, Deed Transfer Tax (up to 1.5% of the cost of the home), Property Tax Adjustments, Home Inspection Costs, etc. On a $200,000 home purchase, your typical closing costs would be approximately $4-5000. If the home is heated with oil, you will need to pay for a full tank of oil, an additional $7-900 (the owner is required to have the oil tank filled the day before closing). In recent years, many lawyers are recommending Title Insurance. I strongly recommend adding Title Insurance for every purchase or when you re-negotiate your mortgage. Title Insurance costs approx $250.

What is Title Insurance?

Title insurance is unlike any other kind of insurance. It is not house insurance which only protects the contents of your home or its structure and for which you have to pay a monthly or annual premium. Unlike house insurance, you only pay a one-time premium with no deductible.

Title insurance is distinctive in that it protects your ownership or title against losses incurred as a result of undetected or unknown title defects, for as long as you own your home. Even if you are the rightful owner of your home, there are instances such as real estate title fraud, when your title can come into question.

What is CMHC Mortgage Loan Insurance?

Mortgage loan insurance is typically required by lenders when homebuyers make a down payment of less than 20% of the purchase price. Mortgage loan insurance helps protects lenders against mortgage default, and enables consumers to purchase homes with as little as 5% down payment — with interest rates comparable to those with a 20% down payment.

To obtain mortgage loan insurance, lenders pay an insurance premium. Typically, your lender will pass this cost on to you. The premium payable is based on a percentage of the home’s purchase price that is financed by a mortgage. The premium can be paid in a single lump sum or it can be added to your mortgage and included in your monthly payments.

Mortgage loan insurance is not to be confused with mortgage life insurance which guarantees that your remaining mortgage at the time of your death will not be a burden to your estate. For more info, please click this link: http://cmhc.ca/en/co/moloin/index.cfm

What is the RRSP Home Buyers Plan?

The Home Buyers’ Plan (HBP) allows you to withdraw up to $20,000 from RRSPs to buy or build a qualifying home for yourself (as a first-time home buyer) or for a related disabled person. You may still be considered a first-time home buyer if you own a rental property or if you have not recently owned a home.

This is a temporary “loan” from your RRSP — you must pay back the amount you borrow from your RRSP for the Home Buyer’s Plan within 15 years or it will be added to your taxable income.

You can make withdrawals from more than one RRSP as long as you are the annuitant (plan owner). Typically, you will not be allowed to withdraw funds from a locked-in RRSP. For more info, please click on the following link: The Home Buyers’ Plan (HBP) allows you to withdraw up to $20,000 from RRSPs to buy or build a qualifying home for yourself (as a first-time home buyer) or for a related disabled person. You may still be considered a first-time home buyer if you own a rental property or if you have not recently owned a home.

This is a temporary “loan” from your RRSP — you must pay back the amount you borrow from your RRSP for the Home Buyer’s Plan within 15 years or it will be added to your taxable income.You can make withdrawals from more than one RRSP as long as you are the annuitant (plan owner). Typically, you will not be allowed to withdraw funds from a locked-in RRSP. For more info, please click on the following link: https://www.nscu.com/Investments/RRSPs/RRSPHomeBuyersPlan/

11 Questions to Ask Your Agent

2010-08-04T14:07:00.000-04:00

Following is a list of general questions you should always ask when considering making a real estate purchase. Keep in mind, however, you are unique.

You have particular dislikes and likes as well as factors in your life that are different than other people. The point I am trying to make is that you shouldn't stick to just these questions. You are making an important choice, so give some thought to your situation.

1. Don't rush into things. The first question to ask should be directed at yourself. What type of home do you want? How big should it be? What amenities do you want? Are you planning for a family in the next three to five years and will the home be able to accommodate a new bundle of joy? Make a definitive list and stick to it. If you stray from it, you could end up with a house that doesn't really fit you and suffer buyer's remorse.

2. The next question is what area do you want to live in? Pick a few. You may find the prices to be excessive or the selection not so hot, but make sure you exhaust those areas before moving on. Again, you want to avoid buyer's remorse.

3. Once you start looking at homes, a key question to ask is how long the house has been on the market. The amount of time will give you an idea of how flexible the owner is on price. If the house has been on the market for a month, the owner isn't going to be very flexible. If it has been on the market for six months, flexibility will definitely exist.

4. Has the house previously been under offer, but fell out? If so, find out why? Was it a problem with the buyer getting financing or did the buyer find out there was something wrong with the home?

5. What kind of condition is the house in and how old is it? Remember that a seller has typically done everything reasonably possible to spruce up the home. If you can see wear and tear on the house, it may be a red flag. In such a situation, you need to get a home inspection to make sure there aren't problems in areas you can't see such as mold, rust and water leaks.

6. If you have children or are planning on it, you must investigate the school district. Are the schools good? Is there a lot of crime in the area?

7. In addition to the home price, you should ask whether there are any additional fees such association fees, betterment charges, etc.

8. What are the property taxes and what will they be when you buy? Many people are shocked to find out how much they have to kick out in property taxes. Don't get surprised.

9. Zoning and easement issues are often overlooked when buying a home. If you are buying in a neighborhood with many homes, zoning is undoubtedly going to be for residential living. Easements, however, can be terrible surprises. Find out if there are any easements on the property. An easement gives a third party the right to use of part of the property. This can include giving the neighbor the right to do something or a utility company to place structures on your prospective property.
10. Noise is another big issue to consider. If you are serious about the property, make sure to drive buy on weekdays and weekends. If the property shares a wall with another residence, such as a duplex or condo, make sure you view it while the neighbors are home to get an idea of how loud it is.
11. In the euphoria of buying a property, practical issues can be missed. A big one is traffic. Specifically, what is the commute like between the house and your place of work? You don't want to buy the house only to find out it takes three hours to get to and from work each day.
Obviously, you should be asking many additional questions before making a purchase. These 11 questions, however, will help you get started.

First-time buyer Checklist

2010-08-03T10:02:00.000-04:00

Being a first-time home buyer, knowing where to start is an important part of making the home buying process easy, stress-free, and simple.

1) Getting Ready

CONTACT A MORTGAGE SPECIALIST & GET PRE-APPROVED
Review Purchasing Costs
Deed Transfer Tax (Varies depending on wheere you are - check with your muinicpality)
G.S.T / H.S.T (only on new property)
Legal Fees (Notary Public / Lawyer)
Home Inspection (if applicable)
High Ratio Mortgage Premium (only if borrowing over 80% of the purchase price)
Deposit (minimum 5% & forms part of the purchase price)
Review First Time Buyer Savings
R.R.S.P tax free withdraw (up to 25K per person)
Property Transfer Tax Rebate (No P.T.T under $425K)

2) Get Set

Define your Search Criteria
Needs Vs. Wants analysis
Neighborhood analysis (likes & dislikes)
Become an expert
Determine what your budget will get you in your neighborhood of choice
View property details from listings in your neighborhood of choice
Tour open houses of qualified homes
Through process of elimination determine what home(s) interest you the most

3) Go

Make an offer
Draft Contract of Purchase & Sale
Determine Price, Possession date & Completion Date
Determine Subjects (usual subjects: Inspection, Financing & Strata Paperwork)
Submit Offer (with Expiry time and date)
Sellers Options (Accept, Counter or let expire)
Once offer is accepted
Work through & remove all Conditions
Place deposit check into the Trust Account of your Realtors Brokerage (Bank Draft)

4) Congratulations

Select Notary Public / Lawyer
Prepare for the move
This First Time Home Buying outline will be altered slightly depending on the product being purchased (House or Condo). However the basic outline that you see above is the foundation of the home search needed to get you “the buyer” into the home that works best for your needs.

Stay cool and be green doing it!

2010-07-17T23:11:00.000-04:00

Staying Cool the Green Way

It's cool to be green, and green can keep you cool - especially in hot weather. Here are ten tips for maintaining a comfortable home without relying on the air conditioner this summer.

1.Heat rises so make sure your roof is well-ventilated. Consider installing a temperature controlled attic fan that switches on when the mercury rises.

2.Ensure proper insulation in the walls and ceilings. In Canada, we tend to think of insulation as a must for winter, but proper insulation also guards against the heat of the day in summer.

3.Shade the west side of your home by planting large bushes or trees to mitigate the amount of direct sunlight your west-facing walls receive. Be sure any planting is done a safe distance from the foundation.

4.Ceiling fans can cool a room by several degrees. Install ceiling fans in larger rooms and set them to the forward position so the fan rotates counter clockwise. This will help create a wind-chill effect and make you "feel" cooler.

5.Venetian blinds or California shutters are both aesthetically appealing and effective at shutting out the sun's glare. Another option is to add heat reflecting film on windows. It will help keep things cool, while reducing ultraviolet rays that can damage furniture and floors.

6.Since most summer breezes blow from west to east, open the southwest and northeast windows to allow a refreshing cross-breeze. Open windows at night to allow the cooler air in, and close them in the morning.

7.Use a dehumidifier to absorb moisture in the air, as dry air feels cooler. A dehumidifier can also prevent mold, mildew, and musty odours, especially in the basement.

8.If you can, minimize use of your stove in really hot weather. Consider using an outdoor barbecue or a slow cooker which emits very little heat.

9.Invest in a fold-away gazebo for your deck or garden. It protects from sun, insects, and summer showers when you want to cool off outside.

10.Lighten up the exterior paint. Light coloured paint doesn't absorb as much solar energy as darker paint, and is a relatively low-cost solution that can reduce your energy bills.

When summer sizzles, think green, keep your cool - and enjoy!

New listing

2010-07-17T18:41:00.000-04:00

26.2 Acres in Morristown, Kings County.

Zoned forestry, so plenty of opportunites possible

Features include 2000 feet of road frontage, 1500 feet of river frontage, and fabulous pond.

If you're looking for a peaceful, private place to have a hobby farm or build your dream house, you should definatley give this place a look!

Priced right at $70,000.

New listing

2010-07-17T18:38:00.000-04:00

10226 Highway 221 in Habitant, Kings County

Once in a while a gem like this comes along. With nothing left to do but move-in, this home would be perfect for first time buyers or retirees. Conveniently situated just outside of Canning, and only minutes to Kingsport Beach. The porch could easily be used as a great den/office area, or even a 3rd bedroom. The kitchen/dining/living room are all very large, making entertaining a breeze! All of this in one package, and still only 10 minutes to Highway 101 access.

STATS
2 bedroom
1 bathroom
freshly painted throughout
some of the upgrades include, new windows, new oil tank

Priced at $119,950

A Fixer Upper vs. Move-In Ready Home

2010-07-15T22:21:00.002-04:00

Buying a home can be tricky business. Some homes are move in ready, others need some TLC. When looking at homes, which one is going to be the best value? Is it better to just buy a home that is move in ready? Or is there still value in buying a fixer and doing a little work?

Deciding On A Fixer Upper Or Move In Ready Home

When deciding on a fixer upper, you need to know what needs fixing. Are the problems with the property structural? Bad wiring, bad foundation, plumbing, termites etc. Or are the problems more cosmetic such as outdated fixtures, paint, popcorn ceilings etc.

Knowing what needs fixing is half the battle. You should take a trusted contractor to the home before submitting an offer. If you are an experienced rehabber, you may not need a contractor, but I would still recommend an inspection.

Get a bid from the contractor and add about 10%. Most the time, projects go over budget, so be prepared for that. If you plan on doing the work yourself, be sure you know exactly what you’re doing. A rehab project gone wrong can seriously effect your pocket book.

How Much Are Repairs Going To Cost?

The other half of the battle is the money. How much is this rehab project going to cost? What value are you going to add? And how long are you planning on staying in the home? There are some great mortgage products out there. It's worth a chat with a mortgage broker.

Also, have you’re Realtor run some numbers. If you bought a comparable home that didn’t need the repairs, what would it be worth? What is the price of a move in ready home compared to the costs of the repairs plus the home that needs the repairs? Does it make financial sense to repair the home? A lot of times buying a home and fixing it up can add instant value. Just be sure you know all the numbers.

Check Out The Neighborhood

Buying a fixer upper and doing repairs may not matter if the neighborhood is in a decline. Is this home the only fixer on the street? Or is there a lot of problems with other homes in the neighborhood?

There is a lot more risk pouring money into a home if the neighborhood is in bad shape.

Your return will be less if the neighbors aren’t doing their part to maintain the neighborhood. As your agent about the history of the neighborhood. Watch out for neighborhoods with declining home values.

Cosmetic Repairs And Doing The Work Yourself

Almost every home you’re going to look at needs some sort of work in your eyes. As a buyer, you won’t
find everything you want in a home, and most buyers realize they will be doing some sort of cosmetic work after purchasing any home. Buying a home that needs cosmetic updating can be a great way to get what you want and bring a nice return on your investment.

If you’re okay with living in an “ugly” home for a couple years as you go from project to project, the cosmetic fixer upper is a great choice. Doing cosmetic projects yourself, such as updating the bathrooms and kitchen, can save you money over buying an updated move-in ready home. Ask your agent what type of updates will produce the best return, and decide if you’re capable of doing the work.

Buying a home, whether move in ready or a fixer upper, is all about what’s going to work for you. If you’re the type of person that can handle a DIY project, go for the fixer upper, you can save some money. If you’re not the fixer upper type, hiring contractors to do the work can end up more expensive then you planned. If you do your homework, you should be confident with your decision.

Annapolis Valley Real Estate

Seasonal Home Maintenance Schedule - Summer

2010-07-11T18:02:00.000-04:00

To ensure that the readers of this Annapolis Valley Real Estate Blog are getting all the information they need, I have decided to start a seasonal maintenance guide for homeowners. As it is now Summer, we'll start with that!

-Monitor basement humidity and avoid relative humidity levels above 60 per cent. Use a dehumidifier to maintain relative humidity below 60 per cent.

-Clean or replace air-conditioning filter, and clean or replace ventilation system filters if necessary.

-Check basement pipes for condensation or dripping and, if necessary, take corrective action; for example, reduce humidity and/or insulate cold water pipes.

-Check the basement floor drain to ensure the trap contains water; refill with water if necessary.

-If you have a plumbing fixture that is not used frequently, for example, a laundry tub or spare bathroom sink, tub or shower stall, run some water briefly to keep water in the trap.

-Deep clean carpets and rugs.

-Vacuum bathroom fan grille.

-Disconnect the duct connected to your clothes dryer, and vacuum lint from duct, the areas surrounding your dryer and your dryer’s vent hood outside.

-Check security of all guardrails and handrails.

-Check smooth functioning of all windows, and lubricate as required.

-Inspect window putty on outside of glass panes of older houses, and replace if needed.

-Sand and touch up paint on windows and doors.

-Lubricate door hinges, and tighten screws as needed.

-Check for and replace damaged caulking and weatherstripping around mechanical and electrical services, windows and doorways, including the doorway between the garage and the house.
-Lubricate garage door hardware, and ensure it is operating properly.

-Lubricate automatic garage door opener motor, chain and other moving parts, and ensure that the auto-reverse mechanism is properly adjusted.

-Inspect electrical service lines for secure attachment where they enter your house, and make sure there is no water leakage into the house along the electrical conduit. Check for overhanging tree branches that may need to be removed.

-Check exterior wood siding and trim for signs of deterioration; clean, replace or refinish as needed.

-Remove any plants that contact — and roots that penetrate — the siding or brick.

-From the ground, check the general condition of the roof and note any sagging that could indicate structural problems requiring further investigation from inside the attic. Note the condition of shingles for possible repair or replacement, and examine roof flashings, such as at chimney and roof joints, for any signs of cracking or leakage.

-Check the chimney cap and the caulking between the cap and the chimney.

-Repair driveway and walkways as needed.

-Repair any damaged steps.

Any one have any other suggestions? Feel free to comment!

2010-07-05T12:01:00.000-04:00

The Following was found on another Blog, I found it interesting, so I have posted it here for your enjoyment!

Local Realtor Owns Property Guys

What Do You Think?

A Guelph Onartio Real Estate Broker owns a private sale franchise in Mississauga, Ontario. How can someone work both niches (private-sale and real estate) and still claim to have honest motives when talking to the prospective client? I'm not saying Peter Manton is dishonest. What I am saying is how does one talk with conviction when asking someone to pay you to list on MLS® when you might say the total opposite should they be looking for assistance to sell privately. I would suggest that he should pick one or the other and run with it.

http://www.youtube.com/watch?v=bdKDuEhUenM

Here is the video that mentions his franchise. Remember that I am not against private sale companies, they have their place. Nor am I anti competition. I believe in my model and my skills, people will pay for that expertise which will often put more money in their pocket should they follow my advice, rather than sell privately. I just wish everyone would try it the logical way, which is to list with a realtor, then if that doesn’t work try privately…don't forget, listing on MLS® doesn’t cost a thing until it sells. Anyways, that’s another story.

So the reason I posted this video was really to attract more hits to this blog. PropertyGuys is a great website. I don’t have to bash them like they bash us. By the way, I can’t believe the things they say about us, it is sometimes worse than children on the playground. That “Joe Schmo” thing is bothersome and I wouldn’t be surprised if someone tries to sue one day. Despite their sometimes questionable marketing methods, selling privately is an option. Just make sure that your motivation is right. Are you selling because you truly feel that you will put more money in your pocket, or are you caught up in a prideful mindset that just doesn’t want to give anyone a large paycheque? Isn’t it worth a chat with a realtor, its free, only 30 minutes at tops, and can potentially save you thousands of dollars? You can also take the head in the sand approach too I suppose. What you don’t know doesn’t hurt right?

What are your thoughts, should a Real Estate Broker own a Brokerage and a Private Sale company?

MAKE MOLD UNWELCOME IN YOUR HOME

2010-07-05T08:16:00.000-04:00

Mold spores are present everywhere. Mold growth is most prolific in warm, damp weather, but high indoor moisture levels and poor ventilation can contribute to mold growth any time of year. To help reduce the potential for mold, provide adequate air circulation and reduce moisture levels in mold-prone areas, such as basements and storage areas.

Avoid storing items directly against walls in potentially damp areas, which restricts air circulation and trap moisture against surfaces. Also consider placing boxes and storage containers on blocks or pallets to allow for air flow.

If you’re going away for an extended period of time, remember that a closed-up house usually creates an environment where air changes occur very slowly. Any water vapor present can condense on the cooler surfaces and allow mold to grow as the temperature warms up.

Frequent air change will help control moisture levels and keep moisture and mold spores from building up. When outdoor weather is appropriate, promote air flow and air changes by using air circulating fans and/or opening the windows slightly. Dehumidifiers can help remove moisture from the air, but realize mold spores will remain. Problems may re-occur when moist conditions return.

Since prevention is always the best way to keep a home fit, the following tips can avoid the potential health and financial burdens associated with mold. For additional guidance on mold issues, visit the Canada Housing and Mortgage Corporation or the U.S. Environmental Protection Agency.

Quick Tips:

-Avoid resting long-term storage directly against walls.

-Place storage boxes on pallets.

-Keep basement windows slightly open during mild, dry weather.

-Maintain air circulation in all areas, particularly basements and storage areas.

-Filter fresh air changes to help keep spores from building up.

The above is an article from the Housemaster eNewsletter.

Renovations that help sell your property

2010-06-24T08:38:00.000-04:00

Thinking of selling your home and not sure about what to make the most from your sale? Potential home buyers are often searching for properties that are in “move-in ready” condition so that they don’t have to incur any extra costs when they move into their new home.

If you already own a home suitable for you and your family, renovating with long-term sell-ability means that you will enjoy a better living atmosphere for a longer period of time and will get a handsome return for your investment. The prolonged usage you also get out of the renovation maximizes your investment gain.

We have selected three types of renovation that will give you the biggest return for your investment wile making dramatic improvements to your property:

Kitchen

The kitchen has always been the heart of a home, where everyone gathers and chats about what’s new in their lives. It is also the busiest room in the house as we prepare and eat at least two meals there. That’s why it’s the first room that potential buyers look at when they walk into a property listed for sale. As a result, the kitchen is considered to be a significant marketing tool.

Here, it is important for sellers to emphasis spaciousness, functionality, clutter-free, and effective storage in a kitchen space. Hiring a design professional to design the kitchen is ideal, as they often are able to come up with innovative design solutions as well as finding and specifying the proper materials to highlight the architecture of your house, making your kitchen look more appealing to the potential buyers. In most cases, a kitchen with granite countertops would be a fast seller because it creates richness, elegance, and emphasizes quality. Besides the marketing advantage, granite countertop is also ideal for daily personal use because of its resistance to scratches, natural look and ease of maintenance. You should never try to save money on design, appliances, or labour because these are the basis of a spectacular space. Remember, having the job done well is a value adder; doing it poorly may reduce the value of your home!

According to the Appraisal Institute of Canada, the average amount that you should spend prior to selling your house should be 10-15% of the house value. If you are planning on renovating the kitchen for personal use and not only for the purpose of investment, and if you are going to live in your house for more than five years, then you should spend 15 – 25% or more. In most cases, you will be able to recover the cost of the renovation by the time you sell your house – with a 44% higher return on investment than the average return on other popular renovations!

Bathroom

After the kitchen, bathrooms are the next rooms that buyers look at. To impress a potential buyer, your bathroom should not only feel new, but also look sharp. Usually a bathroom renovation involves the complete replacement of existing finish and fixtures – tubs/showers, toilets, faucets, sinks, tiles, flooring, lightings, cabinetry, and tile-work. Sometimes bathroom renovation also involves the re-location of fixtures and the removal of adjacent walls to create a better layout. A common renovation trend has been enlarging a master or en-suite bathroom into an adjacent closet or laundry room to create space for a large soaker tub and separate stand-up shower. Twin sinks and extensive cabinetry can also offer added conveniences.

A study from Canada’s leading real estate companies shows that a well-designed bathroom renovation will generate a 56% better return on investment than the average popular renovation. The study also shows that most home buyers are looking for spa-like bathrooms with a comfortable environment at first glance. Light colours, rich textures, luxuries such as water jets in the tub and a steam shower stall can emphasize the relaxed atmosphere in the bathroom.

Floor and Wall Finishes

Don’t undervalue the paint and flooring in your home! Walking into any room of a house, the walls and floors are the first surfaces that a person sees; therefore materiality is very important in order to make a strong first impression.

Walls should be smooth and painted in a colour that isn’t too much of a personal preference. A light and warm neutral colour usually works best to both enlarge the look of a space, but also create a warm and desirable ambiance. Simply repainting your walls will give you a 29% better return than other popular renovations.

Flooring should create a good flow between one room to the next and be able to tie in with other elements such as cabinetry, wall colours, and baseboards. Choosing the right floor finish is important as it ties all the individual element of your home together. Always consult a design professional before changing your floor unless you are certain of what you want, as flooring is often difficult and expensive to change.

Based on studies, flooring can generate a 22% better return on investment than the average renovations. If your home has carpet where the family room, dining room and living room are located, it is recommended to have all the carpets changed to hardwood and/or tiles. Not only will it make your home more elegant, but you will also enjoy the benefits of a healthier indoor environment, with less allergens.

Besides the above-mentioned, there are also other types of value-adding renovations that could help in selling you house. Before making any decisions, you should always consider the length of time that you will stay in your house before selling, and consult a design professional for the proper design solutions that suits your needs. Planning ahead in detail always saves you time and money.

This article was provided by BiglarKinyan Design Partnership. Kenneth Ho is partner at the design and construction firm BKDP. For more information about the work of BKDP, please visit their website at www.BKDP.ca.

10 Tips for Turning Your Home into an Income Property

2010-06-23T07:46:00.000-04:00

If you’re looking for a way to increase your income, you may need to look no further than your own home. These days, more and more Canadians are turning their homes into income properties. An income property is a home that is bought or developed in order to generate income, typically by renting it out in part or in its entirety. Renting can be a financially rewarding experience, either to provide extra income, or to help pay off a mortgage. So if you’re thinking of going the income property route, here are 10 important steps you should take:

1.Contact your local or municipal government to first determine if you are legally permitted to turn your home into an income property. Work with them to ensure the unit adheres to all existing building and fire codes.

2.Get to know the landlord-tenant relationship regulations in your province. These laws will give you a better understanding of your role and responsibilities as a landlord.

3.Inform your insurance company about your plans for renting out space in your home and ask them if you require any additional coverage.

4.Get your home “renter-ready”. From a simple change such as a fresh coat of paint to a major renovation, try and make your home look and feel as spacious, bright, and comfortable as possible. Your home should look appealing inside and out in order to attract potential renters.

5.Price and market your unit competitively. Scan the classifieds and visit rental websites to find out how much similar units are being listed for.

6.Conduct a screening process for applicants. Consider running a criminal background check, as well as a credit check, on prospective tenants.

7.Draft a written tenancy agreement or lease. It may contain information such as: the date the tenant will move into the rental unit, the rent amount, the date rent is to be paid, what services are included in the rent (such as electricity or parking) and any separate charges, as well as the rules that you require the tenant to follow.

8.Consult a lawyer to look over the contract. Although not necessary, a lawyer can ensure there are no legal problems or issues with the contract before you present it to your tenant.

9.Request a minimum deposit of one month’s rent in advance that may be used against any property damage or unpaid bills related to the property.

10.Have the tenant sign the contract. Ensure the tenant receives a copy and keep the original for your own records. Happy renting!

May brings lower homes sales and fewer new listings

2010-06-22T10:46:00.000-04:00

OTTAWA - June 16th, 2010 - Statistics released by The Canadian Real Estate Association (CREA) show that home sales activity and new listings in Canada declined in May.

Seasonally adjusted home sales activity via the Multiple Listing Service® (MLS®) Systems of Canadian real estate Boards declined nationally by 9.5 per cent in May from near-record level activity the previous month. While activity declined in more than 70 per cent of local markets, the lower national figure resulted largely from fewer sales in Toronto, Vancouver and Ottawa.
Actual (not seasonally adjusted) national sales activity was down 4.3 per cent in May from the same month last year. In a departure from the normal seasonal pattern, national activity levels in May were also down from April levels. This suggests that the combination of changes to mortgage regulations and rising mortgage rates pulled forward a number of sales into April that would have otherwise taken place at a later date.

“May was the first full month in which sales activity was affected by these changes,” said CREA President Georges Pahud. “An accompanying decline in new listings and housing starts means these changes are also affecting the supply side, which will keep the market balanced and Canadian home prices stable.”

The seasonally adjusted number of homes that were new listings on Canadian MLS® Systems in May 2010 declined by four per cent from the previous month. This marks the first monthly decline in new listings in eight months. New listings had been climbing sharply, rising from a four-year low last September to the second highest level ever last month.

The number of homes listed for sale on Boards’ MLS® Systems at the end of May was up 5.4 per cent from levels at the same time last year, when the supply of homes for sale on the market had started declining.

The national average price of homes sold via Canadian MLS® Systems rose 8.5 per cent in May from a year ago. This is a smaller increase compared to those recorded over the past nine months.

“Supply and demand has become more balanced in a number of major markets,” said CREA Chief Economist Gregory Klump. “Homebuyers now have more choice and are likely be in less of a rush to purchase than they were recently, so the amount of time it takes to sell a home is expected to rise in the coming months.”

With last year’s string of downwardly skewed average price values having now mostly passed, year-over-year national average price comparisons are coming back into line with changes in the national weighted average price.

The weighted average price compensates for changes in provincial sales activity by taking into account provincial proportions of privately owned housing stock. It climbed 8.4 per cent on a year-over-year basis in May 2010. Similarly, the residential average price in Canada’s major markets was up 9.8 per cent year-over-year in May, while the weighted major market average price rose 10.7 per cent.
The actual (not seasonally adjusted) number of months of inventory stood at 5.3 months in May 2010. This is up from 4.8 months at the same time last year. The number of months of inventory is the number of months it would take to sell current inventories at the current rate of sales activity.

On a seasonally adjusted basis, months of inventory stood at 6.1 months in May, the highest level since last April.

“The number of months of inventory may rise further in response to easing sales activity and a further rise in the number of active listings,” said Klump. “However, the number of newly listed homes will ultimately retreat in response to a more competitive sales and pricing environment in a number of local markets. The outlooks for the Canadian economy, employment, and mortgage market trends remain upbeat, so supply and demand will remain balanced on a national basis. Canada will avoid a U.S.-style home price correction.”

PLEASE NOTE: The information contained in this news release combines both major market and national MLS® sales information from the previous month.

CREA cautions that average price information can be useful in establishing trends over time, but does not indicate actual prices in centres comprised of widely divergent neighborhoods or account for price differential between geographic areas. Statistical information contained in this report includes all housing types.

MLS® is a co-operative marketing system used only by Canada’s real estate Boards to ensure maximum exposure of properties listed for sale.

The Canadian Real Estate Association (CREA) is one of Canada’s largest single-industry trade associations, representing more than 96,000 REALTORS® working through more than 100 real estate Boards and Associations.

Further information can be found at

http://www.crea.ca/public/news_stats/pdfs/Media_May10rpt_e.pdf

Selling a Rental - Vacant is Better

2010-06-18T13:53:00.000-04:00

It doesn't matter whether you're selling a rental to another investor, or directly to a home buyer, the goals are likely still the same. For most investors, those goals are to sell that rental home for the highest sales price in the shortest period of time.

Drawbacks to Selling a Rental With a Tenant

Unless the new buyer is likely to be another investor, selling a rental home that is occupied by a tenant might cost the seller more than selling it as a vacant rental. That's because tenants often do not want to co-operate with showings, especially since there's little in it for them.

•Tenants might sabotage the sale.

Not every investor and tenant get along. Sometimes, a tenant resents the investor simply because the investor owns the home and the tenant is a renter. But there are other reasons why a tenant might sabotage the sale of rental:
1.Notwithstanding a lease, when the home sells, the tenant might be forced to move out.

2.A tenant might carry a grudge because maybe a repair wasn't promptly fixed in the past.

3.There may have been a dispute involving a late rental payment.

Whatever the reason, the person speaking with potential buyers is often the tenant. A tenant who harbors ill feelings toward the investor may lead a buyer to believe that buying the rental is a bad idea based on the way the tenant presents the home. Such a tenant will not hesitate to purposely point out defects or, worse, make up problems that do not exist.

•Buyer's agents often pass on "By Appointment Only."

If a buyer's agent has a plethora of inventory to show a prospective home buyer, that agent might be very selective when choosing homes to show. Say 10 homes are easy to show and one home requires a 24-hour notice, the agent might not show the "By Appointment Only" home. Tenants sometimes feel that they do not need to return an agent's phone call, so even if the agent does call for an appointment, the tenant might not call back.

•Tenants might not allow a lockbox.

Without a lockbox, a buyer's agent is restricted from access. This means the tenant must be home to let the agent and buyer inside. If the tenant works during the day, it means the home can only be shown on the weekends or in the evening, which limits the number of buyers who can see the home. Moreover, sometimes a tenant will make an appointment and conveniently forget about the appointment, leaving the agent to stand on the doorstep and repeatedly ring a doorbell that nobody answers.

•Untidy State

I'm not implying that all tenants keep messy homes, but they have little incentive to keep the home in perfect showing condition 24 hours a day. They might not think twice about leaving beds unmade, clothing on the floor or dishes in the sink. If the rental home is not spotless, the condition may turnoff a potential buyer. Not to mention tenants don't feel the need to "de-clutter" once in a while.

•Tenants may refuse to leave during the showing.

Buyers feel extremely uncomfortable when a seller or tenant is present during a showing. They feel as though they cannot freely speak nor address any concerns about the home in the presence of an outsider. This means they generally rush through the home and may miss or overlook qualities in the home that if noticed would otherwise make them want to buy it.

The bottom line is buyers need to envision themselves living in the home, and that's almost impossible to convey if the tenants are still in possession.

6 Mistakes Home Buyers Make

2010-06-15T14:41:00.000-04:00

Mistake #1. Not Getting Pre-Qualified for a Mortgage

Before looking for your next home take the time to get pre-qualified by the bank or mortgage broker you choose. This can save you hours of searching for homes in the wrong price range or worse, purchasing a home and then finding out you don’t qualify for financing. Pre-qualifying gives you peace of mind, helps narrow your search criteria and most importantly, gives your agent a negotiating edge by being able to alleviate the sellers concern over financing. The latter is especially important should a competing offer surface.

Mistake #2. Not Shopping For Mortgage Terms

Rates are negotiable! Banks will sharpen their pencils to get your business especially if you have a good credit rating and bring other business to them e.g. RRSP’s, general account, savings etc. Posted rates should viewed as a starting point. You need to know what the best rate is and this is usually done by get competitive quotes. Also, ask whether the bank will cover appraisal fees, and about buy-out fees, penalties, payment options, portability etc. The time spent can save you thousands of dollars over the life of the mortgage.

Mistake #3. Not Getting Professional Inspections

Nobody wants to purchase a home only to find out later there are defects, latent or otherwise. Ensure you obtain inspections where needed e.g. home inspection, structural engineer, insect, radon etc. If the inspection identifies deficiencies you may be able to negotiate the purchase price to cover required repairs or make your satisfaction of the inspection subject to the homeowner remedying the problem. Your agent can advise you on inspections you should consider.

Mistake #4. Not Using A Professional Real Estate Agent.

A good agent can help you make a purchase with the least amount of problems. He or she can ensure the price you pay is market value. They can offer expert advice on what to look for, conditions to include, negotiation strategy etc. After all, they work for you.

Mistake #5. Buying First Before Selling

If price is important you should always sell your present home before buying another. It has the advantage in letting you know exactly how much money you will have available for your next purchase. Selling your home first allows you to place fewer conditions on your purchase which makes your offer more attractive to a seller. They often will demand more money to take a “subject to” offer which takes their home off the market. The other advantage is if you find a terrific house, chances are others will also find it attractive and you stand to lose it if you can’t make an unconditional offer.

Mistake #6. Not Knowing The Full Cost Of Home Buying

Know all the costs associated with your purchase. Consider the following costs: legal fees, transfer tax, property taxes, new home landscaping, fencing, appliances, window coverings.

Royal LePage Shelter Foundation - Garage Sale Results

2010-05-27T10:54:00.001-04:00

Saturday May 15th, Royal LePage offices all across Canada all took part in hosting giant garage sales in theirs parking lots. Here in New Minas, all the staff (20+) met sleepy-eyed at about 7AM to start setting up for the big event. Atlas Van Lines donated an 18-wheeler trailer for us to store all the goodies in prior to the garage sale. By Saturday morning it was brimming to the top with goodies.

We weren't long setting up before the early birds started coming in. At our garage sale here in New Minas, we made over $2100 in less than 4 hours (the weather didn't cooperate for any longer), and all the money raised went to the Chrysalis House, a shelter for women and children right here in Kings County.

Nationally, this year Royal LePage Offices raised over $300,000, up from $120,000 last year. That's HUGE! Everyone who took part should feel very proud of that accomplishment.

Thank you to all those across the country who donated items, and of course to the garage sale enthusiasts themselves, who made the $300,000 donation possible.

Perhaps next year we'll aim for the $500,000 mark!

Selling a Home with Pets

2010-04-27T13:34:00.000-04:00

Sometimes it is difficult to sell a home with pets on the premises. Putting your much loved dog or cat in the garage or back yard or locked in the laundry room will not work and it is not fair to the animals. Also, some shy pets may panic when confronted with strangers and might bolt out of the house.

(I am an animal lover and have always had pets so this would be a non-issue to me as a potential buyer.) However, some people are not comfortable around animals due to lack of proximity while growing up and/or never having a cute and cuddly or large and lovable pet.
Some people fear animals and see them as being likely to bite, scratch, claw or jump on them. They may view large dogs as intimidating. (Until I got married and had my own home and pets, I was afraid of dogs and cats due to lack of experience with them - so although I see these fears as irrational on the one hand, I can understand them on the other hand.)

If possible, let a family member or friend keep your pet for a short time. If this is not possible, consider boarding them at a kennel.
If neither of these suggestions are an option, be sure to keep litter boxes scrupulously clean and out of sight. Pet odors are a big turn-off to potential buyers. However, do not spray with air fresheners which only serve to mask odors and may trigger allergies in some visitors. I suggest you try an enzyme cleaner.

Another important issue – be sure to remove any pet stains on your carpets. If you cannot get them out with store-bought products, hire a professional to remove the stains and clean the carpets.
Vacuum every day and twice a day if necessary. Do not have photos around showing your cat or dog sleeping on the bed or couch – or eating food from the table or countertop.

Composed by Trey Christian. Trey is the Houston real estate marketing manager for VIP ClientSide. Our team specializes in Houston Condos and Houston Office space rentals.

Kentville Home Show

2010-04-26T12:55:00.001-04:00

My office took part in the Kentville Home Show April 16th-18th, at the Kentville Centennial Arena. It was a great weekend, and thanks to the cold/rainy weather, we had a great turn out on all three days. There were over 70 booths this year, the most to-date I've been told.

For me it was a great experience to chat with folks walking by the booth, and have them associate me with Royal LePage Atlantic.

Even if you're not in the market for a home, there were booths for everything - University Painters, Home Depot, Scotian Gold, Oulton's Fuels, Apple Auto Glass.. and nearly every booth had a giveaway, so not only could you qualify for the Backyard Giveaway valued around $4000, but you could also win gift baskets, gift certificates, or free products.

If you didn't make it in this year, be sure to put it on your list for next year, it's a great way to spend an afternoon, and can put you in-touch with an enormous number of people... all under one roof!

A huge thank you to Video World in New Minas for donating the 52" flat screen tv for the weekend!

Mortage Talk

2010-04-22T10:50:00.001-04:00

The two major types of home loans are fixed rate and adjustable rate mortgages (ARMs). The benefit of a fixed rate loan is that your monthly payment does not change over the life of the mortgage – whether it is 10, 15, 20 or 30 years. The state of the economy has no impact on your payment, which will never go up. The interest on a fixed rate is typically higher than on an ARM but you are paying for loan security. If you plan to remain in the home for at least five years, this type of loan is appropriate for you.

ARMs are popular with buyers who prefer a lower interest rate for the first three, five or seven years of the loan. Depending on the state of the economy, the interest rate can and usually does go up after the initial fixed rate period. (It can also go down but that is not likely to happen.) Buyers who opt for this type of loan are gambling that their income will rise high enough to cover the rate increase or that they will either be able to refinance or sell their home before the rate adjustment goes into effect. The amount of rate increase is uncertain and cannot be predicted.

ARMs have been one of the major causes of home foreclosures due to homeowner’s loss of income or a dramatic rise in the interest rate causing a situation whereby he or she can no longer afford the cost of staying in the home.

Second mortgages are another type of loan which typically are granted for five to seven years and carry a “balloon” payment as the final obligation to clear the mortgage. The borrower pays the same rate of interest for the first five or seven years and the monthly payment remains the same. However, at the end of this period, the entire balance of the mortgage is due and payable. The homeowner must obtain financing or sell the home at this time to avoid coming up with a very large amount of money. There is no way of knowing what the interest rates or what the borrower’s financial situation will be at that time.

Author Bio:
Trey is the Houston real estate marketing manager for VIP ClientSide. Our team specializes in Houston Condos and Houston Office space rentals.

Guest Blogging

2010-04-22T10:50:00.000-04:00

I would like to welcome Trey Christian and all his associates of the Internet Marketing Team, who have joined forces with me and will be composing blog posts to be published on my blog periodically.

Feel free to let me know what you think as my blog's main purpose is to get useful real estate information into the minds of consumers, and most importantly, my clients.

Happy Reading!
Leah

Why use a real estate agent?

2010-03-31T13:21:00.000-04:00

If you're thinking of buying or selling your home, but don't know an agent, chances are you'll begin your search on your own. This article is dedicated to those people who do believe representation by a real estate propfessional is becoming obsolete.

Buyers and sellers don't need real estate agents to help them find each other. Technology has enabled them to do that without professional real estate agents. If your view of an agent is that of a "house finder", or "buyer finder", then you've already made up your mind- agents are useless.
In the long run, that would be a short-sighted view of what a good agent should be doing for you!

The main reason to hire an agent is for representation - marketing if you're a seller, professional guidance and negotiation for both buyers and sellers alike, so that you're able to get the best price and terms possible given the current market and house involved.
Buyers - your agent can give you a heads up on the red flags of properties or areas you may be considering, that you otherwise would be unaware of if you're not from the area. Also, be able to provide you ways to investigate issues, suggest approaches, explain possible consequences, and so on. For example, a good agent will not just unlock the door to the home you're going to see, but will point out to you any issues such as buckled hardwood floors, sagging ceilings, possible mold - and why all those things matter.
Sellers - a good agent can provide you objective feedback (on your home's condition, what can be done to increase marketability, etc.) to best position your home to sell and can guide you through the process of attracting the buyer who will give you the best price and terms for you home.
For both, the knowledgeable, dilligent agent will help you to understand the disclosures, the contract and the sales process and will negotiate for you to get you the best price and terms possible to help you to acheive what you want to acheive (wether you're the seller or buyer). That good agent will give you data on the market conditions, recent comparables etc., and will help you to make sense of it. Having information is not the same thing as having knowledge. A good agent will navigate and troubleshoot anything that might arise prior to closing.
A good agent will not just make buying or selling easier, but guide you, protect your interests, inform you, and help you to maximize your position in the transaction and minimize the chance that problems will creep up after closing.

Just like when people opt to hire an attorney to assist them with a will and trust rather than get a do-it-yourself kit from Wal-Mart, most people realize that buying and selling real estate is very complex and includes complicated paperwork (contracts, disclosures, closing papers), issues that may need to be spotted in the property itself, professionals who may need to be called in to help with particular problems or surprises, as well as the countless small details that need to be handled to get the transaction to closing.
While there will always be a reason for some consumers to sell on their own or with very limited assistance, the vast majority of real estate transactions are involved enough that buyers and sellers are greatly benefitted by professional real estate representation.

I've Moved!

2010-03-04T21:02:00.000-04:00

I've made the move to Royal LePage Atlantic in New Minas. Here's my new contact information
email: leahconrad@royallepage.ca
direct: (902)690-4009
cell: (902)692-0730

Or you can stop in and see me at my beautiful new office located at 8999 Commercial Street in New Minas.

Many more articles to come!

February Stats for V1-V2 Area

2010-03-01T13:28:00.000-04:00

I thought it might be of interest to my readers to give you statistics for the previous month each month.

The V1 - HRM border is very jagged, so all locations are "approximate". V1 begins around Hillsvale/ South Rawdon area and comes all the way up to Lockhartville. In the month of February this sub-district had 35 new listings come on the board, and 14 properties were recorded as sold.

The V2 sub-district begins around Avonport, and spans all the way out to the Millville - Franey Corner area. In the month of February this sub-district has 77 new listing come on the board, and 35 properties were recorded as sold.

Here's to hoping March will be an even busier month!

Composition of a Great Agent post#1

2010-03-01T10:17:00.001-04:00

This is a topic that you will continually see come up, as it is one that I plan to keep adding to.

With so many agents in the business, I think it's important for buyers and sellers to know when to hold on to their agent, and when it might be time to cut the ties and start shopping for another agent.

I would like to begin by discussing Accessibility.

As a client, you should feel like your agent is always available. Though it's unreasonable to assume your agent will never miss one of your phonecalls, it shouldn't take them days to return your phonecalls or emails. A good agent will always find the time to get back to you.

Also, most agents have so many different methods of communication, I think it's important to stick with what you, the client, knows best. If you're most comfortable communicating through email, then do that. Always keep in mind, your agent should be working for you, and making sure your home buying or selling experience is a pleasant one.

What do you think? Feel free to leave a comment below or email me direct, leahconrad@royallepage.ca

As always, thanks for reading!

Google Street View

2010-02-26T19:57:00.000-04:00

Google Street View is going to change the real estate market for the better. It allows you to browse streets virtually, as if you were actually standing on the sidewalk.

You might ask yourself, why would this be of interest to me, a eral estate agent? Many reasons, the first being the fact that when I go on listing appointments, if I am not familiar with the area that I have to travel to, I can google street view the address, and go up and down the street(s), seeing neighboring properties and landmarks. That way, when I'm actually driving it, it's almost as if I've already done it.

Another great thing about Google Street View for my profession, is that it allows buyers to view the area that a listed property they might be interested in is located. Again, all you have to do is type in the civic address, and you can go up and down the street. It gives buyers who are too far away to do a "drive-by" before booking a showing the chance to virtually do just that! Many families buying in subdivisions want to know how close they'll be to a park, mailboxes, the end of the street, etc., etc., and google street view allows you to do that.

Buyers from out-of-town can use to it as a great way to see what businesses are around, what the town layout is, what the schools, hosptials, malls, etc., etc., look like in the area they're looking to buy in.

The only down fall to street view, is that there is no data for "rural/ off-the-beaten-path" areas. Some users however have submitted pictures. Also, navigating around is a bit tricky when you first begin.

To start your own browsing on street view, click the title of this post. Type in an address, and when the A balloon appears on your map, double-click, and there should be a photo of the desired location. Below the photo it should read "Street View", click, and viola! Enjoy and happy browsing!

Any questions on how to use Google Street View, please don't hesistate to leave a comment on this post or email me, leah@minasrealties.ca. Thanks for reading!

Current Mortgage Annoucements and What it all Means

2010-02-18T21:48:00.000-04:00

I'm sure many of you reading this are wondering what Tuesday's announcement about mortgages will mean to you, the consumer. Well, Canada's Minister of Finance, Jim Flaherty announced on Tuesday that as of April 19th, 2010:

- down payments on investment or income properties (not occupied by the owner) will jump from 5% to 20%.

- current mortgage holders looking to refinance, will only be able to withdraw 90% of the value of their home, dropping only 5% from the current 95%.

-all borrowers will have to meet the standards for a 5-year fixed rate mortgage. Should they choose a shorter term, they still must qualify for the 5-year fixed rate.

What does it mean?

For income property investors, especially ones just starting out, jumping from a minimum of 5% down to 20% necessary for a down payment, could quite possibly annihilate the opportunity of such investing. What does that mean to renters? Well, it is my opinion that you can more than likely expect to see rents rise over the next 2-5 years, less people will be able to enter into the housing market and offer rentals to renters, thus, a monopoly will begin.

For seasoned home owners, the decrease in refinancing amounts from 95% to 90% probably won't make too much of a difference, however, to put it into perspective, on a $500,000 home, that's $25,000 of dissimilarity.

Borrowers looking to purchase a home, will need to meet the income standards required on a 5-year fixed term mortgage. Some may wish to go with a 3-year fixed term, (lesser interest) however, they will still need to qualify for the 5-year fixed term. The reason for this, is to help prepare borrowers for interest rates that the future holds.

That sums up what's going on in the mortgage world at the moment!

What do I think?

If you're looking to buy an investment property and can't afford the 20% down payment (as most people don't have $30,000-$50,000 at their disposal), you better start looking! April 19th is fast approaching.
As for the other two announcements, I think that long-term they will help stabilize the Canadian housing market, thus, avoiding a "correction" aka demise such as that of the United States in the past year or more. Short-term however, I predict the market changing to that of a buyer's market in the next 2 months, as buyers will want to make it in "under the wire", and sellers eager to sell, with worries that if they don't, it could be months longer before someone else makes an offer.

That's all for now, and feel free to leave comments about your own predictions of what the future holds for the housing markets!

As always, thank you for reading.

Renting to Own: the good, the bad, and the ugly

2009-12-20T21:10:00.001-04:00

In the past couple weeks I've had a few different people ask me about renting-to-own, so I decided to make this post be all about renting-to-own, so if you're currently thinking about entering into a rent-to-own agreement, the following information should help you make a well-informed decision whether or not it's something you should get into.

The Good - parts of this section are courtesy of www.irex.ca/library_rent_to_own.html

Rent To Own A Home, House On Hold
"Renting-to-own" a house is a very complicated process and normally takes place outside of organized real estate. Because there isn't any down payment, there is no commission until some hypothetical time in the future. Renting-to-own a home involves having your landlord, after securing an agreement to purchase with an agreed-to price and closing date, place part of your rent on deposit. In order to get a mortgage, your bank may need to see that the amount that is set aside for down payment is above the normal market rent for the property. (i.e. if normal rent is $800 and you're paying $1100 per month, the other $300/month is set aside for your down payment). The reason the bank may look for this is to ensure that the down payment didn't come about as a result of a kickback from the seller, unknown to the bank, with a corresponding "false" and inflated house selling price to make up the difference. This would be a case of fraud. This is one reason that banks have a home appraisal completed.
Other problems include the potential inconvenient answers to these questions, which have to be dealt with in the offer to purchase, or they will blow up later.
What happens if the market price of the home is less than I originally bargained for? Can I get out of the rent to own deal?

How can I predict what the interest rates will be in order to raise the amount of mortgage I will need at that future time?

Can I still get a mortgage if the interest rates go up for all that I need?

Will I get my money back if I can't raise the mortgage?

What happens if the market price of the home is higher than what I originally bargained for?

What if the seller doesn't want to sell since he knows its' worth more than I bargained for?

What about things that go wrong with the house between now and then?

What is essentially happening in "rent to own" is that the landlord (seller) is saving money for you. This is something buyers can do on their own and maintain the flexibility of picking from many homes while working with a realtor at a time after pre-qualification takes place, which may or may not include the subject property.

The Bad -

In Nova Scotia, until the "closing date" occurs, the purchaser is still covered under the residential tenancies act, which means that each year, the lease must be renewed, which also means that each year, the purchaser has a chance to walk away from the deal, leaving the owner stranded, and back to square one.

I would also like to point out the potential for damage to your property; what happens if the tenant moves out and has caused more damage than his security deposit is worth? The small claims court process in Nova Scotia takes much longer than most people think it should.

The Ugly -

Before entering into a rent-to-own agreementm be sure to do your homework. As an owner, you want to make sure that your purchaser/tenant is well-qualified and can show you proof of that. You also want to make sure that the purchaser/tenant is someone you can trust to live in your house. The worst part of rent-to-own agreements, is the fact that owners quickly lose sight of the fact that they are now landlords, and have duties as such. Not everyone is cut out to be a landlord.

Hopefully this answers some of your rent-to-own questions, and thanks for following.

Word-of-Mouth: makes or breaks.

2009-12-02T22:55:00.000-04:00

In real estate, like any other business, word-of-mouth can either make or break you. When I think about what it is I want people to be saying about my work, one personal experience comes to mind. I am going to share that experience with you.

A few years ago, I had a car that the heater core broke in. It happened on a Saturday morning, and in the Valley most repair shops close early on Saturdays. I called around to a few shops, and one had space available to take a look at it and get it fixed up so the car would be driveable until the middle of the week when a replacement part would arrive.

To replace this particular part, the entire dash has to be removed, so it's quite a lengthy (and expensive) job!

The middle of the week came, and I dropped the car off in the morning back at the shop. I picked it up later that day, paid the (very expensive) bill, and headed for home. Sitting at a set of lights I noticed there were huge scratches on both the panels between the windsheild and side windows. very scratched as well. Then I noticed the center console was This was not acceptable to me, I had just paid nearly $1000, and now my car was damaged.. so what did I do? I called the shop and spoke with the manager. He was very understanding, and asked if I could come back to the shop and show him.

Upon arriving back at the shop, the mechanic who did the work on the car earlier that day was still there, and not very happy to see me back. The manager however, took a look at the damage and offered to pay for the repairs. We went to a local auto detailing shop to see what could be done. Unfortunatley, nothing, the scratches were too deep.

So he (the manager) asked me what it would take to make me walk away a happy customer, and I told him I wanted the damages repaired. Seeing how the damage was irrepairable, the only other option was to replace the panels and center console. So he ordered the parts (brand new) from Ohio. He (the manager) called me when the parts were in, and installed them for me.

The moral of this story is this: even though I got off on the wrong foot with this business, the manager did everything he could to make sure I walked away a happy customer. Still, more than three years later, I go to that very same garage. Some people might think I'm crazy, but the way I see it is that the replacement parts the manager paid for actually cost more than the work I had done. He could have told me to go pound sand; tough luck. But he didn't. He wanted me to walk away a happy customer. Because of that, I consider myself a customer for life there.

I'm not saying every wrong can be "righted", but if you can make an effort to show the wronged person that their review (personal opinion) is worth more than a doller figure, that really goes a long way.

I recommend that garage to everyone. All because I was taken care of; not just a source of income.

As an agent, my biggest goal is to deliver exceptional service to my clients. Each day I'm finding more and more ways to make that possible. For most clients I have already dealt with, returning phone calls in a timely fashion and staying in communication consistently seems to be more than enough. But with me it doesn't stop there. In dealing with clients and potential clients, I'm not pre-screening for that commission cheque up ahead in the near future - I'm listening, and doing everything in my power to deliver appropriatley. This is a business where it might take a while to get that commission cheque - so in the meantime you might as well do the best job you can, and build a solid relationship with that client, because there's more than a hundred other agents who'd love to have a crack at it.

Leah Conrad - the best is the least I can do.

First time home buyers

2009-11-23T14:15:00.000-04:00

Click the title to view a great link on using your RRSP's as a down payment when purchasing your first home.

Check out other blogs.

2009-11-23T13:26:00.000-04:00

Introduction

2009-11-23T11:49:00.001-04:00

I'm a newly licensed real estate agent working at Minas Realties in Windsor, Nova Scotia. This post will be the first of many, as I take you along for the ride; a day in life of Leah Conrad.

Below is the link to my website, please browse through and get to know me, and what I'm all about.
http://www.wix.com/JPCanadian/Leah-Conrad