Don't lose a $500,000 deal over a refrigerator
Just like the title says, sometimes people get all bent out of shape because of an appliance. Should it have been left in the home during the selling process if it's not included in the listing information, to me that's a double edged sword? You as the listing agent don't want an empty hole where the refrigerator was. You as a REALTOR® have to make sure for your buyers that all that was agreed to in the accepted offer is where it's supposed to be before closing. If it's not included in the listing information or accepted purchase contract.....
"IF IT'S NOT WRITTEN DOWN OR IN PRINT IT DOESN'T MATTER".
^^^^^^^^Read that again ^^^^^^^^
Whether you're working with sellers or buyers, you have to make sure everyone is on the same page when it comes to the sale. I hope you don't get caught with your pants down and lose your commission because you didn't pay attention to the details.
Have a great day
A couple of things I've been thinking about the last little while
Ease of the industry...... It's not easy, I too fell prey to the notion that being in Real Estate was going to be a breeze and everyone I know was going to want to work with me because well yeah "I'm AWESOME!!! People love me! I know all of my friends will help me out and buy houses from me and I'll make millions of dollars with little effort". That's what I thought going into this wonderful industry. I do say wonderful because I love being a business owner and being able to keep my own hours.
To say the very least I've never been more wrong about the ease of this job. I compare this career to being a car salesman because that's basically what it is only your clients don't come to you like at a dealership, you have to go to them and you're dealing with an appreciating asset in a house/condo/townhouse/duplex whatever your chosen flavor is, as opposed to a depreciating asset like a vehicle! Even when you know people you can only do so much for them because they are your "friends". The people you think have your back are the very ones that are going to ask you for advice and then maybe ask someone else to help them because "friends shouldn't do business together" or ask "will you reduce your commission" because "You're my friend, you have to".... Even then this does not make it a forgone conclusion that you will indeed be representing said people, but it does make for somewhat interesting conversation about pay and how some jobs are seen as more deserving of pay than others.
For arguments sake let's say you get up in the morning and go to work. Now you have a pretty specialized job, it's a job that only about 3500 people in your metropolitan area of 1.3 Million people do.... would you go if you weren't going to be payed to go do the work? So, the next time you ask a realtor to give you a break on their percentage think about it like that, because you are asking them to take food off their table, or out of their kids mouths.
Like I said just a couple of things I've been thinking about
Recently I was reminded why moving can be stressful. We are all creatures of habit and we do like things to be a certain way. So where we live is as important as how we get there.
For some people the move can be super easy and exciting, while for others its exhausting and at times overwhelming. Clearly it doens't have to be but sometimes we put so much pressure and stress on oursleves that we take what is meant to be a new beginning and we turn it around and make it stressful. Whether you are upgrading, downsizing, want something new or you're moving out for the first time, there are things you can do to minimize your stresses. I've come up with a list that helped me during my last move and I'll share that with you in a minute. Remembering that everyone is different and they may have different organizational skills.
This was my list for "operation Move Stuff and be able to find it later"
1) I suggest you get moving boxes and felt marksers:
This is pretty self explanatory, but suffice it to say that if you don't mark it you may end up with your dishes in the bedroom closet for a few days while you eat pizza out of the box
2) Plan the move:
Fail to plan....plan to fail, good motto for life and everything therein, it's hard to set up your bed when there is a room full of boxes and you're tired from moving all of them. Clean the area you intend to put your "BIG stuff" then take the big stuff, first set it up, adjust it afterwards.
3) Unpack everything you need for the next few days:
If you do this right away you'll be happier in the long run, I know for me that there is still some stuff in boxes that I haven't touched in the last 6 months that I clearly don't need anymore. Though it may have been useful at some point in the past, if you haven't touched it in 6 months its time to consider letting it go. (unless it's seasonal items like skis bathing suits or board shorts)
4) Find your comfort zone again:
Sometimes while you're adjusting to your new surroundings you can get overwhelmed and just want to isolate yourself, this is a huge mistake. Get out there and talk to you new neighbors, trust me they are just as interested and excited to meet you as you are to meet them.
5) Get to know your neighborhood:
I'm constantly surprised by people who don't go out and experience their immediate surroundings. The first thing I did was to go for a bike ride and check things out and was I surprised by the cool things I found in the area. The little pub on the corner of that strip mall might be the ideal place for pizza or to meet new and or interesting people.
This is my little pieces of advice and some simple things to do to make yourself more comfortable in your new surroundings whatever they may be. I hope you find this interesting or helpful in your next move.
Call me if you need help buying or selling your property!!!
"Helping You Is What I Do"™
“In the year of implementation, we estimate that this new rule could depress demand by 5% to 10%, and shave 2% to 4% off of our current forecast for the average price level in 2018,” the authors said, as the proposed measures will act as another force that limits price growth in the future.
Those consumers, who often have as little as five per cent down, must qualify based on the posted five-year rate of the Bank of Canada, which is currently 4.84 per cent.
The economists suggest changes to tighten the rules on non-insured mortgages will lead buyers to “come up with a bigger down payment, opt for a lower priced home and scale back other debt,” and may even delay purchases all together.
As part of the report “Navigating a Soft Landing”, the economists looked at the “unprecedented” number of policy changes over the past 18 months.
Other key changes implemented by Ottawa included increasing the minimum down payment on homes worth more than $500,000 and reducing portfolio insurance, a program that allowed financial institutions to securitize loans they deemed risky, but not legally required to be insured.
“Each successive regulation change at the federal level has left a smaller mark on home buying activity,” the economists wrote, noting the most recent changes from Ottawa during that 18-month period may have only shaved two per cent off of demand.
Previous changes, beyond the ones OSFI is currently considering which the real estate industry has asked Ottawa to put on hold, have been aimed at the insured market. The problem is new loans that require mortgage insurance are less than 20 per cent of all new chartered bank mortgage originations, down from 40 per cent in 2008. Recent rule changes impact the insured market but it is increasingly a smaller part of the overall market.
It is provincial changes that are having more of an impact on the housing market according to the TD economists, pointing to a 15 per cent tax implemented on foreign buyers in the Vancouver and Toronto area markets by their respective provincial governments. Vancouver has bounced back somewhat, and while the pair downplayed the impact of foreign buyers in Toronto, they said “domestic speculation” was a key factor.
While buyers may be hoping rising interest rates could trigger a crash, those first-time buyers “may be holding their breath for a while” because prices are likely only going to reset back to the levels of where they were before a year of exorbitant gains, the report concludes.
“Listings shot up in the GTA following the policy measures not because homeowners suddenly became incapable of affording their homes but because speculative activity is being squeezed out,” they wrote.
The economists said soft landings can happen and maintain Vancouver is the “poster-child” as, since 1990, the city has had five cycles where prices ran up anywhere from 15 to 20 per cent and corrected shortly afterward by 10 to 14 per cent.
In the GTA, they expect the current pullback in prices to be sharp and short with levels returning to where they were in mid-to-late 2016, noting average prices are down about 13 per cent from their peak. They expected another six per cent in price declines in 2018 in Toronto.
Source: Financial Post News website - Real Estate Section
So I came across this article when I was looking for some ideas on improving my riding skills, not that my skills are lacking but I was really curious to see what other people consider good riding skills. While it does seem a bit elementary also if you've taken a riding course they teach you this stuff I've seen some sketchy things out there too. this is a pretty good article and it does give you some good advice to help you to ride better, safer....and of course faster. (though here in Edmonton lane splitting is not allowed which is something for another post) Have a great day and be safe out there.
The best Ribs I’ve ever made:
Follow these three steps steps and you too can eat like BBQ royalty
If you have a charcoal grill fire it up and get your woods ready (if you’re using gas fire it up with your chip box and wood over the flame) Make sure you have enough charcoal and wood for 6 hours
BBQ Rub for PORK: (makes 1 cup of rub)
½ Cup Brown Sugar
1 Tbsp Fresh ground black pepper
1 Tbsp Salt
1 Tbsp Chili powder
1 Tbsp Garlic powder
1 Tbsp Onion powder
1 Tbsp Cayenne pepper
Spritz with apple juice
Woods used: Mesquite and Apple