I would like to let everyone know about the “First Time Home Buyers” RRSP program. This is a successful and easy program that helps my clients get the best rates and their new home!
1. A first time home buyer is someone who has not owned a home in 4 years. You do not have to be a “true” First timer!
2. You do NOT need an RRSP to use this program, You basically borrow money for your down payment and closing cost, Then… in TWO years start paying it back into an RRSP, which is great because you will then have an RRSP!! Literally a win win!
The payments are very low, for example $20,000 RRSP loan payment is $150/month…and did I mention, it goes back into your own RRSP?
Exceptional, isn’t it?
Becoming a home owner is an exceptional means to build personal wealth and attain financial stability.
Contact me for further details, and let’s put you on a path to financial stability.
If you’re like most people, you go to see a doctor when you’re not feeling well or have a health concern. However, you may also visit your doctor for a check-up, or to ask questions about healthy living. In fact, consulting your doctor for anything health-related is a smart idea.
The same holds true when it comes to real estate. Many people only call a REALTOR® when they’re planning on selling their property or buying a new home, or both. While that’s an important reason to speak to a REALTOR®, it’s not the only reason.
Indeed, there are many good reasons for you to give a good REALTOR® a call.
• If you have a question about the state of the local real estate market. (Remember that it may be very different from what you hear on the news about the national market.)
• If you want to get a sense of what homes are currently selling for in the area.
• If you want to determine the current market value of your property.
• If you want to find out how much homes cost in neighbourhoods you’d like to consider.
• If you’re thinking about the possibility of making a move, but you’re not sure if it’s the right time.
In other words, don’t be afraid to contact a good REALTOR® when you have a question or need some advice about the real estate market.
By Colleen Francis- Globe and Mail Feb 20 2014
My clients have been complaining about the health of the global economy. While the United States is booming, Europe is struggling. Canada is edging up slightly and Asia is in flux.
Like international markets, some companies are exceeding their goals while others are crying poor and blaming external factors for their failures.
I see it every day: Having missed their targets, companies look for advice on how to sell in a confusing market. My first comment is this: “If your market has changed and you haven’t changed with it, you will soon be out of business. So tell me: what have you done to change your activities this year?”
The question is usually met with silence. Most companies give up when the markets slow down. They resign themselves to the fact it’s going to be a bad year and they don’t even try. Simply put, they refuse to change.
Some, on the other hand, refuse to wave the white flag. These top performers attack their markets with vigour, and they approach their prospects with new and increased sales activities. They are the few representatives who manage to thrive in the face of an inhospitable economic climate.
I recently met with one of these survivor types. Mike owns a manufacturing company selling to home builders, renovators and consumers. His sales are up 200 per cent this year as a result of “embracing the changes in my market and out-hustling my competition.”
So before you complain about the economy hurting your business, are you taking any of the following actions?
You can change your results in any economy. Just look at Mike. Believe in yourself.
Sales expert Colleen Francis is founder and president of Engage Selling Solutions. Ms. Francis ensures clients realize immediate results, achieve lasting success and permanently raise their bottom line.
I don’t know about you but before I earned my real estate license January 2010 (happy 4th anniversary to me), I had no idea how the real estate industry worked here in Nova Scotia. I wasn’t aware there was a legitimate place to complain about a negative real estate experience other than the kitchen table of my friends’ home over a glass of wine. And just what was this REALTOR® logo all about?
So here it is in a nutshell:
The Nova Scotia Real Estate Commission (NSREC) is an independent, non-government agency, responsible for regulating the real estate industry in Nova Scotia. It was established to ensure consumer confidence in the real estate industry by supervising professional activities of all real estate brokers and salespeople practicing in Nova Scotia.
So, have a legitamate complaint about a salesperson or had a unreasonable experience in a real estate transaction? Contact the NSREC.
What’s the difference between a real estate salesperson and a REALTOR®?
⇒A real estate salesperson took a comprehensive 4 week course and passed a challenging exam created by the NSREC to ensure professional standards and can practice anywhere in Nova Scotia.
⇒Licensed salespeople have the option of joining an association called the Nova Scotia Association of REALTORS® (NSAR). It strives to strengthen the image and professionalism of its members through continuing professional education and maintaining high professional standards. They own the right to use the brand logo, REALTOR® to indicate those in the industry that adhere to a higher standard. The Association’s mission is to enhance REALTORS®’ success by providing services and representation to enable them to best serve the public in real estate transactions. The Association also acts as the voice for real estate in Nova Scotia.
In other words, you’d go to a government agency (Access Nova Scotia) to write a test to obtain your driver’s license but you’d have the option of joining the Canadian Automobile Association for additional options and protection. Their brand logo is CAA.
So there you have it. Hope this helps.
JUST LISTED - New listing in West End Halifax at an amazingly competitive price - $279,900! Located at 7110 Bayers Rd, this home boasts a large corner lot, plenty of upgrades and an excellent location within mere walking distance to all amenities. You can’t get a home in this area for a better price than this! Book your private viewing today or visit http://www.modernapproach.ca for more details!
When people renovate or remodel a room, they almost always overlook the door. However, changing the style of an interior door, or adding a new one, can dramatically change the look of a living space – often for the better.
The most common type of door is the traditional solid 6-panel door. But there are many other choices available. Want to add light and a greater sense of space to a room? Consider a door with glass panels. Do you have an interior door that gets in the way when opened? Change it to a bi-fold door, which cuts the distance of the swing in half.
There are also specialty doors that are designed to block noise, and sliding doors that tuck neatly into the wall when opened. Interior doors are typically much less expensive than their exterior counterparts. So making the decision to upgrade or add a door to a room is an affordable design option.
Visit a door showroom and explore what’s available.
Remember the last time you visited an upscale furniture showroom? The furniture and fixtures on display probably looked great. The colours and textures jumped out at you. It was a feast for the eyes!
There is a good reason for this: lighting. Of course, the quality of the products has a lot to do with how appealing they look when on display. But smart retailers know that proper lighting is key to making those products look their best. In fact, some retailers even hire lighting consultants!
What does this have to do with selling your home quickly, and for the best price? Obviously, when showing your property to potential buyers, you want your home to look its very best. Proper lighting can be a big help!
When preparing your home for sale, review the lighting in each room and make sure the space is sufficiently well lit. You want the lighting to be strong enough to prevent dark or shadowy areas, yet not so strong that it’s uncomfortable for the eyes.
As a rule of thumb, the total wattage of lights in a room should equal the room’s square footage times 1.5. So, if a room is 120 square feet and has three light sources (ceiling light and two lamps) then the bulbs in each should be 60 watts.
Pay particular attention to traditionally dark areas, such as the garage, basement, and closets. Make sure those areas are well lit.
If you have a viewing scheduled during the day, take advantage of natural light through windows. Open the curtains!
Finally, one of the most important areas is the foyer. Always make sure the entrance has sufficient lighting. You don’t want buyers to think they’ve entered the home of classic TV’s The Adam’s Family!
Want more ideas for preparing your home for sale? Call today.
The Bank of Canada kept its benchmark interest rate at one per cent on Wednesday.
This beautifully renovated bungalow is located in the heart of West End Halifax. Literally redone from top to bottom including new windows, new roof, new deck, new bathroom, new kitchen, new floors and more. Priced aggressively at $224,900 makes this property the lowest priced listing in the area. Literally walking distance to everything you need, including shopping malls, grocery stores, restaurants and more. Don’t sit back and wait, this property is a real gem in an exceptional location.