Information and happenings in and around Oakville, Burlington and Hamilton areas
- Thursday, September 5, 2024
- Marion Goard
A recent survey found that 25% of Canadian homeowners have a renovation project planned in the coming year. If you’re among them, you know that embarking on home improvements can be both exciting and daunting. According to home services platform HomeStars, the national median renovation budget is around $12,000, so you're probably investing a significant amount—and you'll want to ensure your project’s success.
One of the most critical decisions you'll make is choosing the right contractor to bring your vision to life, however, many homeowners fall into common pitfalls during this process, leading to stress, financial strain, and sub-par results.
In this guide, we'll explore seven mistakes to avoid when hiring a contractor to ensure your project runs smoothly from start to finish.
1. SKIPPING THE RESEARCH PHASE
A common mistake homeowners make is rushing into hiring a contractor without proper research. To ensure the success of your renovation, it’s crucial to take time to meet with multiple candidates and educate yourself on best practices surrounding your project.
If you bypass the interview process, you miss the opportunity to evaluate different approaches, pricing, and expertise. This can result in overpaying or hiring someone whose skills and vision do not align with your needs.
Neglecting to research the processes and steps involved can also leave you vulnerable. Not only does it make it more difficult to ask the right questions, but you also risk hiring unqualified professionals or settling for sub-par work.
What To Do Instead:
- Educate Yourself — Read up or watch YouTube videos to gain a better understanding of best practices surrounding your project.
- Interview Multiple Contractors — Search for and interview at least three contractors who specialize in the type of work you need.
- Ask Specific Questions — Inquire about the processes and materials each candidate will utilize.
- Seek Recommendations — Get referrals from trusted sources like friends, neighbours, and real estate professionals. I’d be happy to share a list of referrals!
2. CHOOSING BASED SOLELY ON PRICE
Once you’ve interviewed candidates and reviewed their proposals, it’s time to choose your favourite, but don’t make the mistake of rushing to the lowest bid.
While it's natural to want to save money, selecting a contractor based entirely on price can be a costly mistake. Extremely low bids may indicate cut corners, sub-par materials, or hidden costs that will surface later.
When evaluating bids, make sure you’re comparing “apples” to “apples” and considering factors like quality, timeline, and scope. Are they fully licensed and insured? How long have they been in business? Do they warranty their work?
What To Do Instead:
- Consider Overall Value — In addition to price, look at experience, reputation, and quality of work.
- Ask for Detailed Breakdowns — Understand what's included and what's not in each bid.
- Be Wary of Low Bids – Bids that are significantly lower than others may be too good to be true.
- Invest in Quality — Remember that quality work comes at a fair price, and investing in a reputable contractor can save you money in the long run by avoiding costly mistakes or repairs.
3. NEGLECTING TO CONFIRM CREDENTIALS & INSURANCE
When you’ve established a good rapport with a contractor, it’s natural to want to believe the best in them. Neglecting to check references and verify licensing and insurance could come back to haunt you.
Hiring an untrained or unlicensed contractor puts you at risk for safety and code violations, not to mention shoddy workmanship. Without proper insurance, you could be left footing the bill for costly repairs, legal issues, or even medical bills if someone gets hurt on the job.
Skipping out on a reference check can be equally problematic. It’s your best opportunity to ensure that their promises and your expectations line up with reality.
What To Do Instead:
- Verify Licensing and Insurance — Confirm that the contractor is licensed according to local requirements and verify insurance, including general liability and workers' compensation coverage.
- Check Reviews — Read online reviews and confirm that the business is in good standing with the Better Business Bureau and other relevant trade groups.
- Call References — When contacting references, ask questions and request to see photos of the contractor's completed projects.
- Visit Job Sites — If possible, visit a current job site to observe the contractor's work in progress and interaction with clients.
4. PROCEEDING WITHOUT A WRITTEN AGREEMENT
A handshake deal might seem friendly and straightforward, but it's a recipe for misunderstandings and potential legal issues. Verbal agreements are difficult to enforce and leave room for miscommunication about project scope, timelines, and costs.
Instead, you should have a signed contract in place before any work begins. Paperwork can be tedious, but don’t skip the important step of carefully reading over your contract, asking questions, and pushing back on any terms that make you uncomfortable.
Don’t forget to ask for payment receipts and document any change orders or issues that arise throughout the project, as well.
What To Do instead:
- Insist on a Written Contract — Outline all aspects, including scope, materials, timeline, payment schedule, warranty information, and a process for handling change orders.
- Understand and Agree — Don't sign anything until you fully understand and agree to all terms.
- Keep Documentation — Once you’ve made your final payment, request a receipt marked “Paid in Full” to keep on file for legal and tax purposes.
5. PAYING TOO MUCH UPFRONT
Another common misstep is paying a large sum upfront or the full cost of the project before the work is completed. This can leave you vulnerable if the contractor fails to complete the work or disappears with your money.
Upfront deposits shouldn’t exceed 10% to 15% of the total project cost. The remaining payments should be tied to progress milestones outlined in your contract.
Legal experts caution against paying a greater share of the project cost than the percentage of the work that’s been completed. If you end up dissatisfied with the outcome, you’ll have much less leverage if you’ve already paid.
What To Do Instead:
- Be Cautious — Avoid contractors who demand large upfront payments or cash-only deals.
- Establish a Payment Schedule — Tie payments to project milestones and stick to them.
- Pay Only Upon Completion — Never pay in full until the project is completed to your satisfaction and all required inspections have been passed.
6. FAILING TO GET NECESSARY PERMITS
Skipping the permit process might seem like a way to save time and money, but it can lead to serious consequences. Without the proper permits, you risk running afoul of local building codes and regulations, which could result in fines, forced removal of work, or even legal action.
Additionally, unpermitted work might compromise the safety and structural integrity of your home, potentially leading to hazardous conditions or diminished resale potential. Homeowners may also find themselves without recourse if issues arise later, as insurance companies often exclude coverage for unpermitted renovations.
If you’re under the jurisdiction of a condominium or homeowners’ association, don’t forget to check its bylaws, as well. You may need prior approval to make modifications to your home or yard. Ignoring these restrictions can lead to fines or delays—so don’t skip this important step.
In additiion, with recent changes to legislation in Ontario, homeowners are required to disclose deficiencies, such as renovations done without permits.
What To Do Instead:
- Discuss Permits — Talk about permits and association requirements with your contractor before work begins.
- Include Permits in the Contract — Ensure that obtaining necessary permits and approvals is part of your contract.
- Verify Inspections — Make sure all required inspections are completed during the project.
- Keep Records — Keep copies of all permits and inspection reports for your records.
7. IGNORING RED FLAGS AFTER THE PROJECT HAS STARTED
Sometimes a contractor can check all the right boxes—until the work begins. Unfortunately, red flags that are spotted mid-project can be especially challenging to address.
If you’ve already paid a substantial amount or had a portion of your home demolished, you may feel trapped in a bad situation. However, if there are major problems that the contractor is unwilling to address, ignoring them can make things exponentially worse.
Don’t be afraid to seek legal or professional advice if issues persist. Taking immediate, informed, and decisive action is crucial to safeguarding your investment and ensuring the project's ultimate success.
What To Do Instead:
- Review Your Contract — Make sure you thoroughly understand your rights and the agreed-upon terms.
- Document Issues — Keep detailed records, including dates, descriptions of problems, photographs of sub-par work or materials, and any communications with the contractor.
- Communicate Professionally — Arrange a meeting to discuss your concerns, ensuring you remain calm and professional while clearly expressing your expectations.
- Request a Resolution Plan — Ask for a plan to address the issues, set a timeline for resolution, and put everything in writing to ensure you’re both on the same page.
- Seek Advice — If the contractor is uncooperative or dismissive, consider seeking advice from a legal professional.
BOTTOMLINE
Hiring the right contractor is crucial to the success of your home improvement project. By avoiding these common mistakes, you can significantly increase your chances of a smooth and successful renovation experience.
Remember, taking the time to thoroughly vet contractors, communicate clearly, and plan carefully will pay off in the long run. Your home is likely your most significant investment, and it deserves the care and attention that comes with making informed, thoughtful decisions about who works on it.
If you’d like help finding a contractor or want to know how planned improvements could impact your home’s resale potential, reach out for a free consultation!
The above references an opinion and is for informational purposes only. It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.
- Tuesday, August 6, 2024
- Marion Goard
Whether you’re putting your home on the market in a few weeks or a few years, strategic upgrades can make all the difference. But you don't have to embark on a major remodel to make a significant improvement.
Even minor updates can have a big impact on your home’s aesthetic, and certain renovations can even boost its future sale price.
From curb appeal to interior updates, here are seven weekend projects that will enhance your home’s current charm and long-term value.
- Freshen Your Front Door
Is your front door looking a little tired? A new coat of paint can make your home more inviting to today’s guests and tomorrow’s buyers.
But before you grab that paintbrush, think carefully about your choice of hue. According to a recent study, the colour of your front door can boost—or lower—your home's sale price by thousands of dollars.
Cement gray, for instance, was found to decrease purchase offers by an average of $3,365. Going too bold can also deter home shoppers. The safest bets? Classic black or a mid-tone brown are proven winners.
Need help choosing the perfect paint or stain for your front door? I'd be happy to offer advice or refer you to a design professional for assistance.
- Upgrade Your Hardware and Lighting
It's easy to overlook dated cabinet pulls or dingy light switches in your own home. Those seemingly minor details can leave a bad impression on visitors.
Swapping out old hardware for modern alternatives can easily and affordably elevate your space. New cabinet handles, for example, are relatively inexpensive and require just a few minutes and a screwdriver to install. To maximize the longevity of your update, consider classic shapes and finishes like brass knobs or nickel cup pulls.
Take a look at your light fixtures, too. Try replacing an out-of-style chandelier with a more contemporary option. Even just updating your lampshades and light bulbs can create a brighter, more welcoming space. Additionally, many experts agree that high-quality lighting can show off your property’s best features when it comes time to sell.
Uncomfortable changing a light fixture yourself? Contact me for a referral to a licensed electrician for help.
- Update Your Bathroom Fixtures
Bathrooms can show their age quickly, but a few inexpensive updates can take years off in just a few hours. And since many buyers will be more drawn to a home that feels clean and modern, even small changes can make a big difference.
According to one U.S.-based study, for every dollar you spend on minor cosmetic upgrades—like swapping out the bathroom mirror, upgrading hardware, or refinishing cabinets—you’ll see a $1.71 increase in your home’s value.
Bathroom hardware is a great place to start. Consider updating your faucets and shower heads (we recommend lower-flow options to save money and the environment), and don't forget about towel racks, toilet paper holders, and any other fixtures that look worn or discoloured.
According to hardware manufacturer Delta, black finishes are currently trending. Spa-like upgrades, like steam showers and luxury hand showers, are also in high demand.
If your existing vanity is in poor condition, installing a new one is a slightly bigger project, but it has a huge impact on the look and feel of the room. Reach out for a list of retailers who carry high-quality yet affordable prefabricated options.
- Give Your Kitchen Cabinets a Makeover
A recent study found that a kitchen renovation can boost a home’s sale price by up to 20%, making it one of the most valuable home improvement projects. It's no surprise that an updated kitchen is a top priority for Canadian homeowners and potential buyers alike.
If your kitchen cabinets are from another era, that’s probably the first place you’ll want to start. Fortunately, you don’t need to commit to the hassle and expense of installing new cabinets if your current ones are in good shape. Instead, consider painting them.
Not only is it more affordable and eco-friendly than replacement, but Better Homes and Gardens reports that this option typically offers a greater return on investment. When it comes to choosing the right colour, warm neutrals and shades of green and blue are especially on-trend.
Thinking about painting your cabinets yourself? Be sure to plan in advance and block out at least a couple of days for the project. You’ll need to take off all your cabinet doors and hardware and thoroughly cover your kitchen appliances and counters. You’ll also need to wait for the doors to dry before reassembling your kitchen.
If you’re not confident in your painting skills, hiring a professional will still be far less expensive than installing new cabinets. I'm happy to refer you to capable painters in my network.
- Look at Your Landscaping
First impressions matter, and putting some work into your home’s exterior can make a big difference in how your guests and neighbours view it. Curb appeal can also make or break a potential buyer’s perception of your home—and significantly impact their offer.
According to a study by the Journal of Real Estate Finance, curb appeal can account for 7% of a home’s sale price. And in some areas of Canada, it’s among the top three renovations offering the highest return on investment.
One of the best ways to improve curb appeal is through landscaping—and it doesn’t have to be elaborate. First and foremost, focus on keeping things neat, tidy, and welcoming. Mow your lawn, refresh any mulch, prune overgrown shrubs, and add pops of colour with flowers. To take things up a notch, add outdoor lighting and plant perennial flowers along the sides of your walkway.
When you’re ready to get started, reach out for a list of my favourite local garden centres where you can find all the necessary supplies.
- Refinish Your Wood Floors
For many buyers, wood floors are a huge selling point. Unfortunately, they also tend to get scuffed and worn over time, especially if you have kids or pets.
The good news? If your wood floors could use a touch-up, it’s well worth the time and cost. According to one U.S.-based study, it’s the project that pays off the most in terms of resale value, with an average 147% return on investment.
If you have a few days to devote to your floors, you can rent the necessary equipment from a local hardware store. While you’re there, pick up some basic supplies, like a putty knife, paintbrushes, sandpaper, and stain. And if you want to modernize your space, opt for a lighter wood tone, which is the current trend.
Of course, I'm also happy to provide the names of trusted professionals who can tackle the work for you.
- Clean or Replace Your Grout
Let’s face it: Whether it’s on a kitchen floor or a bathroom wall, grout gets grimy over time, even with regular cleaning. Fortunately, refreshing your grout is a relatively simple and affordable project that can yield impressive results.
According to Apartment Therapy, grout that’s in poor condition is often one of the first things a potential buyer notices when they tour a bathroom. Fresh, clean grout, on the other hand, makes your bathroom sparkle—and that can pay off in a big way in terms of buyer’s perceptions.
If your grout is simply stained, a focused cleaning session can make a big difference. Try a specialized product or a simple mix of baking soda, water, and hydrogen peroxide. If the grout is cracked, crumbling, or stained beyond repair, it’s time to replace it. Luckily, the right tools make that a very doable DIY project, even if it can get messy—and it’s a lot easier and less expensive than retiling.
No time to tackle it yourself? Reach out for a recommendation of a pro who can help.
CHOOSING THE PROJECT THAT’S RIGHT FOR YOU
Embarking on home improvements can be exciting, but it's essential to choose projects that align with your goals, budget, and skill level. Whether you're preparing to sell your home or simply want to enhance its value, there are projects to suit every homeowner.
If you're unsure where to start, don't hesitate to reach out for personalized advice and recommendations. With the right approach, you can unlock your home's full potential and enjoy the rewards for years to come.
The above references an opinion and is for informational purposes only. It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.
- Saturday, June 8, 2024
- Marion Goarrd
Once again, the number one story in real estate this summer is mortgage rates. But unlike last year, when a surprise series of rate hikes from the Bank of Canada sent skittish buyers back to the sidelines, all signs now point to the opposite scenario. Instead of market-chilling rate hikes, economists now expect market-quickening rate cuts— starting as soon as this month.
That means the housing market is likely to get interesting over the next few months. If fixed mortgage rates continue to drop in anticipation of a lower policy rate, more buyers are expected to show up looking for a deal before home prices take off in 2025 and 2026.
Listings are also on the upswing and homeowners are feeling increasingly optimistic that their home values will rise over the next year, per a new Canada Mortgage and Housing Corporation (CMHC) study. So we could see more sellers-in-waiting regain the confidence to list their homes at strong but realistic prices.
With pent-up demand continuing to build, housing market activity could pick up significantly. As TD Bank Economist Rishi Sondhi noted in an interview with The Canadian Press, Canada's housing market is “akin to a bit of a coiled spring.” Often when there's a market-moving event like a rate cut, home sales and prices jump quickly.
What does that mean for you? Read on for my take on this year's most important real estate news and get a sneak peek into what analysts predict is around the corner for 2024.
MORTGAGE BORROWERS SHOULD FINALLY GET SOME RATE RELIEF
After more than a year of shifting forecasts and delays, it's finally happening: the Bank of Canada's first rate cut since 2020 is here. The central bank is gearing up for two back-to-back meetings this summer to discuss monetary policy, plus three more meetings before year-end. We've seen our first rate cut on June 5.
But with inflation still elevated in the U.S. and the job market showing surprising gains here at home, the total number of rate cuts we'll see in 2024 is anyone's guess. Market watchers are nervously eyeing warmer-than-expected economic data from both sides of the border, with some now second-guessing whether rates will fall as much as hoped. Previously, many economists thought federal rates would fall by at least a point this year.
Sticky inflation down south is already putting pressure on bond yields, which help determine the fixed rates lenders charge. If the U.S. economy stays hotter than expected, the Bank of Canada may be forced to delay additional rate cuts, which could further impact mortgage rates.
As Bank of Canada Governor Tiff Macklem cautioned, Canada's central bank is ready and willing to cut rates before the U.S. Federal Reserve. But there's “a limit” to how much faster they can go. If too much daylight exists between the countries’ key interest rates, that could weaken the Canadian dollar and further boost inflation.
What does it mean for you? If Canadian homebuyers' past behaviour is any indication, any drop in the Bank of Canada’s policy rate—even a delayed one—is likely to fuel enthusiasm and spark competition. But with lenders already pricing in the first rate cut expected this summer, it could be a while before fixed mortgage rates drop further. If you're a buyer, ask for a referral to a mortgage broker so you can lock in a competitive rate. It's been a tough year for mortgage originations, so lenders are hungry for new business and may be more willing to cut you a deal.
PENT-UP DEMAND COULD SOON BURST INTO VIEW
With at least one quarter-point rate cut in the books and potentially a few more on the way, the last six months of 2024 are unlikely to mirror the first half of the year.
As the Canadian Real Estate Association (CREA) noted in a recent market forecast, housing markets throughout the country have been unusually “quiet” this year thanks to still-high rates and lingering uncertainty. But that doesn't mean home sales will stay soft going forward.
On the contrary, market activity is expected to pick up once rates recede. According to new research from BMO, aspiring homebuyers' financial readiness is looking up. But 72% say they're waiting for lower rates before they get serious about buying a home.
New federal measures could also juice the housing market by boosting demand from first-time buyers. New homebuyers, for example, can now borrow up to $60,000 from their RRSP to fund a down payment—$25,000 more than the Home Buyers' Plan previously allowed. Beginning August 1, first-time buyers with insured mortgages will also be allowed a 30-year mortgage term if they purchase new construction.
Affordability constraints will still be a major sticking point, though, for many Canadian homebuyers, which could dampen sales if buyers and sellers continue to butt heads over prices.
What does it mean for you? Get ready to move quickly. Increased competition almost always means faster home sales—and a need for quick decision-making. If you're a buyer, make sure your papers are in order and you have cash ready for a deposit. And if you're a seller, consider listing now before pent-up supply leads to an uptick in inventory. After all, budget-conscious home-buyers aren't the only ones who have been sitting on the sidelines for the past two years.
PROPERTY VALUES WILL CONTINUE TO INCREASE
The good news for home-buyers: Today's home prices are down significantly from where they were toward the tail end of the pandemic. The bad news: That's probably not going to last. Experts say that home prices have almost certainly bottomed out.
In fact, the CMHC thinks home values could return to peak levels as early as next year before hitting an all-time record high in 2026. As the CMHC notes, home prices and sales declined significantly after rates began to jump in 2022. But in the years since, Canada's population boomed at a record pace, while many people saw their incomes and savings increase. As a result, there's now a bigger pool of potential homebuyers.
That doesn't mean, though, that home sales will be so strong that sellers can expect the same level of price gains they saw before. As researchers at TD Bank note, rate cuts will help boost prices for now. But “affordability pressures will likely keep the gains from being even stronger.”
The CMHC projects that lower-priced homes will enjoy the fiercest competition. But overall sales activity will be more modest than in 2020 and 2021 when rock-bottom rates made mortgage payments more affordable.
What does it mean for you? Even with rate cuts, a typical mortgage payment will be difficult for the average household to absorb, so expect affordability issues to limit overall price growth. Sellers will need to be realistic with their asking price and negotiation tactics—especially if they're looking to close quickly. Buyers, on the other hand, might not want to wait long if they can afford to make a deal. Increased competition could lead to a bigger-than-expected price surge.
EVEN WITH MORE HOMES FOR SALE, INVENTORY WILL BE TIGHT
According to a winter survey by Dye and Durham Ltd., more than a quarter of Canadians have been holding out for a rate cut before buying or selling a home. So we could see a lot more homes go up for sale this year once rates decline.
Already, inventory is picking up as more sellers come to market, giving new buyers more choices when comparing homes. The spring market, in particular, saw a notable jump in listings.
But even if more homes come to market this summer and fall, the total number of Canadians who want to buy a home will still surpass the number of homes available. So both the resale market and new home market are likely to remain squeezed for some time.
In fact, TD Economics estimates that Canada will be short of more than 300,000 homes between 2023 and 2025. Adding to the problem: Housing construction continues to lag population growth and, despite some recent improvements, it is still far from catching up.
Persistently high rates are also discouraging builders from starting new projects. So the inventory of available homes is likely to get tighter. The CMHC expects housing starts to decline in 2024 and drop even more significantly in 2025.
What does it mean for you? With inventory increasing and many prospective homebuyers still priced out of the market, buyers who can afford it may be able to retain some bargaining power—especially for premium homes. However, total inventory is expected to remain tight, so sellers are still more likely to have the upper hand. Competition for more affordable homes will be especially steep.
I'M HERE TO GUIDE YOU
With nationwide news like rate cuts still playing a big role in today's housing market, it can be useful to get a high-level overview of what's happening across Canada. But the most important factors behind most real estate transactions are local. So on-the-ground expertise is essential.
As a local market expert, I can help you navigate your neighbourhood's housing market with ease and understand what's driving home values and sales. If you’re considering buying or selling a home, contact me for a free consultation so I can help you build a successful plan.
The above references an opinion and is for informational purposes only. It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.
- Sunday, April 7, 2024
- Marion Goard
From extreme cold to wildfires and floods, the past few years have brought a historic number of devastating climate and weather events to Canada. In 2023 alone, unusually harsh weather and a string of natural disasters caused more than $3.1 billion in insured damages, according to the Insurance Bureau of Canada, making it the fourth most expensive weather year on record.1
These events delivered a huge influx of home insurance claims, and analysts expect the increase in both catastrophes and claims to continue. Adding to the problem, construction labour and supply costs have risen, making it more expensive to repair affected homes. Consequently, homeowners' insurance rates have surged: In 2024, My Choice Financial reports that premiums are already up 7.66% since last year and are likely to climb further still.2,3
In disaster-prone regions, the situation is even more challenging. According to Public Safety Canada, flooding is especially common now, accounting for roughly $2.9 billion a year in residential damages. Yet, a rising number of Canadian homes are located in areas so flood-prone that owners can't get affordable protection.4,2
For most homeowners, comprehensive home insurance coverage is crucial for financial security—but massive rate increases can turn a once-affordable home into a financial burden. They can also pose a serious challenge for sellers. Although homebuyers who are willing to risk inadequate coverage may be able to skip optional add-ons, such as flood protection, a standard home insurance policy is still required for most mortgages. In some hard-hit regions, we’re also seeing homes sit longer on the market or decline in value because climate risks are higher.5,6
But don’t panic! While these broader trends may be out of your control, there’s still plenty you can do to save. Here are our top six strategies to slash insurance premiums while maintaining the protection you need.
1. INCREASE YOUR DEDUCTIBLE
The size of your deductible—which is the amount you pay before your insurance coverage kicks in on a claim—is a major factor in your insurance cost.
A low deductible, such as $500, comes with higher premiums, while a higher deductible, like $2,500 or even $5,000, costs less on a monthly basis. In some cases, you may be able to customize your insurance further by designating a different deductible for add-on coverage.
If you are confident that you have enough in savings to cover that initial outlay if needed, choosing a higher deductible can help you save significantly over the long term. According to Ratehub, raising your deductible from $500 to $5,000, for example, could save you an estimated 15% each year.7
2. BUNDLE MULTIPLE TYPES OF INSURANCE
Insurers want to get as much of your business as possible, so most offer significant discounts if you bundle your home and auto insurance, meaning that you package the two policies together. With some insurers, you can get even higher savings by bundling more than home and auto—RV, boat, jewelry, and life insurance are potential options to consider.
According to Ratehub, insurers typically offer customers who bundle home and auto insurance up to 25% or more in savings on monthly premiums. This approach also has other advantages: It cuts down on your paperwork, and in some cases—like if a storm damages both your home and car—you may be able to pay just one deductible instead of two when you file a claim.8
However, before you sign on the dotted line, remember strategy #1 and be sure to shop around. In some cases, bundling isn’t the cheaper option, and bundling deals vary between companies. It’s also critical to carefully check that the bundled coverage offers everything you need.
3. ASK ABOUT AVAILABLE DISCOUNTS
Did you know that being a non-smoker might qualify you for a home insurance discount?9 Some insurers offer some surprising incentives for policyholders who pose a statistically lower risk of filing a claim. In the case of non-smokers, that’s because of the decreased risk of a home fire.
Some carriers also offer discounts to first-time homebuyers, “mature” homeowners, or affiliated group members, such as college alumni or union workers. Sometimes, you can also save by upgrading your home's protective systems, paying off your mortgage, or paying your premiums for a full year upfront.9
Since available discounts vary significantly between insurers, the best strategy is to simply ask a representative for the full list of available discounts so you can see what cost savings might be available to you.
4. AVOID MAKING SMALL CLAIMS
Worried that your premiums will rise significantly in the future? Try to avoid making a claim unless truly necessary. Many insurers offer discounted rates to policyholders who go a certain number of years without filing a claim, and filing multiple claims often results in big increases. If you file too many, you may even risk nonrenewal of your policy.10,11
Since the cost of even a small premium increase can add up significantly over time, if you have minor damage to your home—for example, if a few shingles blew off your roof in a windstorm—it may be a wiser long-term financial decision to pay out of pocket instead of filing a claim.
If the cost of the repair is less than your deductible, it never makes sense to file, and if it’s just slightly above your deductible, it’s also usually best to pay for the repairs yourself. Additionally, always be sure to review your policy before you make a claim. Even claims that are denied can count against you, so it’s not worth filing if the damage is clearly excluded from coverage.11
If you find yourself in this situation, feel free to reach out for a list of reasonably-priced professionals who can help with home repairs.
5. BE STRATEGIC ABOUT HOME IMPROVEMENTS
Insurance premiums alone may not be the deciding factor for a home improvement project, but it’s important to know how renovations could impact your rates—for better or worse.
For example, some upgrades and repairs can reduce your premiums by making your home safer or less prone to certain types of damage. These include:10
- Upgrading your electrical system
- Updating your plumbing
- Installing a monitored security system
- Investing in a sewer backup valve and sump pump
- Replacing the roof
On the other hand, some upgrades can raise premiums significantly, either because they increase the value of your home (and therefore the cost to replace it) or because they pose a hazard. These include:12
- Installing a swimming pool or other water features
- Building an extension or expanding your living space
- Upgrading materials, like flooring or countertops
- Adding a fireplace or wood stove
Whether or not your planned renovations are on either of these lists, it’s wise to inform your insurer about changes you make to your home—otherwise, you may risk gaps in coverage. And you’re always welcome to check with me before you begin any home improvement project to find out how it could impact the value and resale potential of your home.
BOTTOMLINE: Protect Your Investment Without Sacrificing Enjoyment of Your Home
Getting the coverage you need for financial security without overpaying can be a tricky balance, especially in today’s environment. But remember, while it’s important to find the best deal you can, home insurance isn’t an area to skimp on.
For advice on your specific risks and the type of coverage you need, I recommend consulting with a knowledgeable insurance professional. I'm happy to connect you with a trusted adviser in my network. And if you’re considering a home renovation, feel free to reach out for a free consultation on how it might affect your property value.
The above references an opinion and is for informational purposes only. It is not intended to be financial, legal, insurance, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.
Sources:
- Insurance Bureau of Canada -
https://www.ibc.ca/news-insights/news/severe-weather-in-2023-caused-over-3-1-billion-in-insured-damage
- MoneySense - https://www.moneysense.ca/spend/insurance/home-insurance/how-climate-change-affects-home-insurance/
- My Choice Financial - https://www.newswire.ca/news-releases/home-insurance-rates-increase-7-66-in-canada-in-2024-876966380.html
- Public Safety Canada -
https://www.publicsafety.gc.ca/cnt/rsrcs/pblctns/2023-nrp-pnr/index-en.aspx
- Nerdwallet Canada -
https://www.nerdwallet.com/ca/mortgages/what-is-home-insurance
- Waterloo Climate Institute - https://uwaterloo.ca/climate-institute/news/homes-sell-82-cent-less-after-catastrophic-floods
- Ratehub.ca -
https://www.ratehub.ca/blog/how-home-insurance-deductibles-work/
- Ratehub.ca -
https://www.ratehub.ca/insurance/home-and-auto-bundle
- LowestRates.ca - https://www.lowestrates.ca/resource-centre/home-insurance/12-home-insurance-discounts-can-help-you-save-money
- MoneySense -
https://www.moneysense.ca/spend/insurance/how-to-get-lower-home-insurance/
- Rates.ca -
https://rates.ca/guides/home-insurance/claims
- CREA -
https://www.creacafe.ca/can-housing-upgrades-affect-insurance/
- Wednesday, July 19, 2023
- Marion Goard
As the snowsuits start appearing in the stores (I wish I was joking), it’s a good time to plan ahead for grandparent’s day, which falls on the first Sunday after Labour Day. If you are lucky enough to still have your grandparents in your life, why not take them out for lunch, ask questions about their youth, and ask for advice on whatever you need help with.
Grandparents are not only a treasure trove of love and candy, they have experiences beyond our comprehension. Some grandparents have seen the introduction of electricity into their Toronto homes (1911). Others recall when televisions started being sold (1952). Maybe your own grandparents remember when minivans started to replace station wagons (1983, off the Chrysler assembly line in Windsor).
My maternal grandfather died before I was born so I didn't get to know him at all. Both of my mother’s parents must have been incredibly strong individuals. They brought four of their five children with them to Canada from Ukraine in 1927. My mom was the youngest of the kids and they had left their older daughter in Ukraine as she had already married and had a child. They came to Canada, like others, to give their family a better life and escape communism.
Now that I am a parent and grandparent myself, I can better understand how much of a risk and how difficult it must have been for them all to pick up and leave. It certainly makes me even more sympathetic to those trying to flee the current war in Ukraine this past year.
My dad's mother was born in Canada as was my father and his siblings. My grandmother married my grandfather when she was 15 and he was 30! I can't even imagine how that relationship developed and survived till my grandfather's passing at age 89. They were also of Ukrainian heritage and early homesteaders in Manitoba.
Both of my parent’s families lived their lives focused around the church, religion and the Ukrainian culture. My parents brought this to their own marriage as well. It was very much entrenched in their identity and we lived this in our family life. I still refer to myself as Ukrainian.
What I carry forward from my grandparents are the ties to tradition (including the great food) and the importance of family.
Our grandmothers may have taught us how to lattice the top of an apple pie; our grandfathers may have shown us the difference between augur bits and drill bits. Most of us have tid-bits of advice our grandparents shared, advice that we still carry with us.
Some wise advice others have shared:
Do what you can when that’s all you can do.
What you carry in your head, you don't carry on your back.
Don’t try to fix someone else.
If you ARE the right person, you will find the right person.
Too often, we don’t take the time to really talk with our grandparents. It’s just as important to have meaningful conversations with your grandparents, as it is to have open communication with your own parents and children. Enjoy and cherish them—and their knowledge—while you still can.
- Monday, April 3, 2023
- Marion Goard
More and more these days, we are hearing stories of seniors being scammed out of their money in what authorities have labeled “elder scams”. Typically, this kind of fraud comes in the form of a phone call from someone pretending to be a grandchild or another family member. The caller may pretend to be calling from a local tax authority, law enforcement official or computer software service. The fraudsters are deliberately targeting seniors, but there are ways you can protect yourself and prevent the scammers from extorting money from you.
Grandparent scams
How it Starts
This kind of scam involves a phone call from someone pretending to be a grandchild or other family in distress or a desperate situation. The caller may start the call by asking “Do you know who this is?” tricking you into giving them a loved one’s name. Once the caller has identified themself fraudulently as a grandchild they will proceed to tell you they are in an unusual or dangerous situation and require funds to help them. They’ll ask for money for medical bills, bail or travel expenses, claiming they were in an accident or placed under arrest or need to get home. In some cases, the fraudster will put someone else on the phone to impersonate an authority figure such as a police officer, lawyer or other government official.
What they ask for
The scammers may ask you to withdraw money from your account and send it to an unknown account via wire transfer. They may even send a courier to pick up a cheque directly from your home.
How to protect yourself
Scammers will use emotional manipulation to tug at your heartstrings and really make you think you have a grandchild in distress. They are highly skilled at being evasive with details while simultaneously convincing you to send money without checking if what they are saying is true. Their goal is to make you panic into making a rushed decision. Some things you can do to protect yourself and your money:
- Ask for a phone number you can call back, then call the known number for your grandchild to verify the situation.
- Never give our your personal, banking or credit card information. When you are asked “Do you know who this is?” simply answer “no”.
- Ask for details. Fraudsters will not have clear details about the situation and will likely stumble over their words when you ask questions.
- Be wary when asked to buy a gift card. This is a preferred method of fraudulently getting funds and is untraceable. A government agency will never ask for a gift card as a form of payment.
Scammers are trained to use every method of manipulation to encourage you to send money. Their goal is to keep you on the phone, escalating the situation and your emotions so you feel pressured into helping. Do not try to engage in a conversation. The best course of action is to hang up and contact a family member to find out the truth.
Service-tech support scams
How it starts
This kind of scam involves the caller alerting you to an issue with your computer or internet service. The fraudster will tell you they are acting as a representative of a large software company. They’ll inform you they have “detected” security issues with your computer, or have “confirmed” your internet has been breached and all your passwords may have been compromised. The fraudsters can frequently “spoof” the phone number of a major corporation, so you call display will show the company name or a legitimate phone number from the software company.
What they ask for
These scammers want access to your computer. Using remote access, they can make it appear as if your computer is experiencing problems. Alternatively, scammers might initiate contact by displaying fake error messages or pop-ups on websites you are trying to visit. These fake errors are meant to entice you to call their fake “technical support hotline”, allowing them to access your computer and steal your private information. They use lots of technical terms to convince you that the problems with your computer are real. They may ask you to open some files or run a scan on your computer. The fraudsters will offer solutions to your problems and ask for a payment or a subscription to their service to prevent further issues.
How to protect yourself
If the caller says they have detected a problem with your computer, hang up. Do not give out your credit card number. Do not call the number that pops up on your computer screen, since this is how the scammers will gain access to your computer.
Fake prizes
How it starts
The fake prize scam usually starts with a phone call, email or pop-up on your computer telling you that you haven a significant prize. Also called a sweepstakes or lottery scam, these fraudsters also use text messages to let you know you’ve won a big prize, with a link to follow in order to claim your prize. The scammers usually tell you they are calling from a well-known lottery, or a “national sweepstakes bureau” in order to gain your confidence that what they are saying is credible.
What they ask for
These scammers want your money and your credit card. In some cases, they will tell you in order to claim your prize, you have to pay a small administrative fee, or shipping costs, or taxes on the prize. They may ask that you go to your bank, get a bank draft or a cashier’s cheque and wait for their courier service to pick it up at your home. Fraudsters will use language to pressure you too make a rushed decision, to act fast before someone else claims the “prize”.
How to protect yourself
You never have to pay for a prize you’ve won. No credible lottery or sweepstakes will contact you with a demand for payment. If you are unsure, hang up, and call the real company and ask for clarification. Never call a number sent to you blindly in a text message, an email, or a pop-up.
For more information about recent scams and tips on how to protect yourself and your loved ones, visit the Canadian Anti-Fraud Centre's website.
- Wednesday, March 8, 2023
- Marion Goard
It's understandable that as adult children, we may not fully appreciate the sentimental value that our parents attach to certain possessions, yet it's so very important to recognize that these items may represent cherished memories, milestones, and accomplishments for our parents. As they age and face the inevitability of their own mortality, it's natural for them to reflect on their lives and the legacy they will leave behind.
By holding onto these items, our parents may feel that they are preserving a part of their own personal history, and passing down a piece of their story to future generations. As their children, it's important to be respectful and understanding of this emotional attachment, and to approach the process of downsizing or cleaning out their home with compassion and sensitivity.
When my parents were moving from their condo to a retirement home, although they had already downsized from a larger home, the upcoming move meant more sorting and purging of items. I recall that my mom was very disappointed that I had no interest in taking some of her pot lids. Of all things - pot lids! She told me they had belonged to her mother and that when she used them, or even looked at the lids, they were reminders of her mother. I felt no need at all to keep them to hold on to memories of my mom, or my grandmother. To me, these items were old, bashed and served no purpose in my life. In my mind, they were junk and in fact, ended up being thrown away.
Several years later, my dad was doing the same with things that meant a lot to him - all kinds of trinkets and other stuff he had collected over the years. Of these the one that stands out the most to me was a collection of lapel pins. All of these items had little meaning to me, but certainly were very meaningful to him.
I wish now that I had been more understanding and had realized what those conversations were really all about - or should have been about.
One way to approach this situation is to try to understand the meaning behind each item and have an open and honest conversation with our parents about why these possessions are important to them. By doing so, we can gain a deeper understanding of their personal history and values, and find ways to honour their legacy and memory that are meaningful to both them and us. It's important to remember that our parents' belongings may represent more than just physical objects, but rather a connection to their past, their identity, and their sense of purpose in life.
It's also important to recognize that our parents' attachment to certain possessions may not always be practical, but it is deeply emotional and tied to their memories and sense of self. As we grow older and face our own mortality, we may find ourselves valuing different things than we did in our younger years, and may come to cherish the sentimental connections we have to certain possessions.
When helping our parents downsize or move, approach the process with empathy and patience. Allow them the time they need to sort through their belongings and reminisce about their past. By encouraging them to share their stories and memories, we can not only help them to process the emotions tied to their possessions, but also gain a deeper understanding of their personal history and values.
In the end, it's not about the physical objects themselves, but rather the emotional connections and memories they represent. By honouring these connections and respecting our parents' attachment to their possessions, we can help them to feel valued and loved, and ensure that their legacy and memory are preserved for generations to come.
- Thursday, February 16, 2023
- Marion Goard
Moving to a new home can be exhausting at any age. For boomers and seniors, moving can take more than just a physical toll, it can trigger emotions such as grief and sadness. Later-in-Life moves don’t have to come with stress and overwhelm. If you take the time to plan ahead, determine what is right for you and explore all your options, you will be well-equipped to take on a later-in-life move.
If you follow these six simple steps to downsizing, you can map out your journey and your move. Whatever you decide about your later-in-life move, you can count on me to be beside you every step of the way.
1. Should I Stay or Should I Go?
There are some very important questions you need to answer before you make the choice to move.
- Do I have problems going up or down the stairs?
- Do I need held doing things such as dressing, walking, bathing?
- Is my house just too big for me?
- Can I financially carry the house expenses?
- Is the house a safe environment for me?
- Do I have family or friends nearby?
- Do I truly enjoy my home?
You can get the full checklist here.
A useful exercise is taking the time to create a list of reasons to stay in your home and explore the benefits of going someplace else.
2. Know Your Options
The choices for where you can spend the next stage of your life are vast. Before you make any final decisions, consider the following:
- Are you and your spouse ready for a new community?
- Do you want to continue your vibrant and active lifestyle?
- Are your adult children encouraging you to downsize or move?
If you are just starting to navigate the world of adult communities and senior living, it can be a confusing journey. There are so many different options to consider for your next stage of life, so choosing the right home for now and for your future is critical.
Some of the options you can explore:
- Ageing in place
- Downsizing to a smaller house or condo
- Retirement Residences
- Sell ‘n Stay™
- Rental Suites
Remember, moving does not mean you're compromising your freedom or independence.
3. Involve Your Family in the Conversation
A family meeting is a wonderful way to share that you’ve made the the decision to move. Use this as an opportunity to bring your loved ones together to share your wishes and plans with your very important people. Plan to have the conversation outside of the normal celebrations. Make it a special event on its own.
Some ways you can make this a positive experience for everyone:
- Tell your family members the purpose of the meeting ahead of time.
- Express your reasons for the move.
- Ask for their input and support.
- Invite them to participate in any upcoming tours.
Like you, they have strong emotional ties to the family home and should be made aware of your plans. It's essential that they understand what matters to you, but ultimately, this is your decision and you are making the right choice for you.
4. Get Your Home Ready for Sale
Before your home goes on the market, you should take some initial steps to get it ready.
There are certain ways to get your house in good shape and ready to sell. A coat of fresh paint goes a long way to update and brighten your home. Decluttering and clearing counters can make a kitchen appear larger. Pulling weeds or adding plants indoors can change curb appeal or make the home more inviting. You don't have to undertake major renovations to get your home ready for sale. Minor adjustments -indoors and out - can make your home appealing to buyers.
5. Decluttering
Downsizing inevitably requires you to sort through all your possessions, and decluttering is much more manageable if you tackle it bit-by-bit over time. You have a home full of memories and many of the items within its walls are attached to those memories.
If you are feeling overwhelmed about where to start, consider hiring a decluttering specialist. They can help you make decisions about what you want to and can keep and what to let go.
A good place to start is by making decisions about what to keep, what to pass on to family, what to sell and what to donate.
6. Claim Your Free Comprehensive Guide
Making the decision to downsize is not easy. It can be an overwhelming process, filled with fear and uncertainty. But it doesn't have to be that way.
As a Lifestyle 55+ Master and Senior Real Estate Specialist, I am here to offer my support and my services. I am pleased to offer you The Ultimate Senior’s Guide to Downsizing, a comprehensive document that helps you plan, map, and assess your future move. You can count on me to help you navigate the next stage of life without compromising your independence and all that is important to you.
Get the Ultimate Downsizing Guide here.
- Wednesday, November 2, 2022
- Marion Goard
River Crest Estates is a soon-to-be-built four storey 55+ Adult Active Lifestyle Community in Niagara Falls that will have 60 luxury condominiums units with sizes ranging from 740 sq. ft. to over 1800 sq. ft.
Listed exclusively with Marion for $659,900, Unit 109 is a 2 bedroom, 2 bathroom, 2 full bathroom, ground floor unit with in-suite laundry and 2 separate terraces accessible from each of the bedrooms. 1 underground parking spot.
Every unit in the building features a chic and modern design with nine-foot-high ceilings, including large open hallways, and well-appointed common areas, two private bedrooms, walkout to balcony or terrace, full bath and closet, along with an open style living, dining and kitchen. Each unit has individually controlled heating & air conditioning systems, along with a Smart Sub-metering for all utilities.
This property offers security and peace of mind that come from knowing others are close at hand and for someone who lives alone!
Standard Features:
The units and development are suitable for someone who would like to live there themselves with 2 bedrooms - or - through co-ownership where 2 people purchase the unit together, yet separately, have their own bedroom, bathroom and patio and share the other spaces in the unit. If purchased as a co-owner, should the need arise in the future one of the owners could sell their portion of the unit separately from the other owner. At River Crest Estates care and/or support services will be available a-la-carte from Water View Estates, a sister property to be built in St. Catharines and overlooking the Welland Canal.
River Crest Estates may be of interest to an investor who could rent out the unit to either 1 or 2 parties. There's also an opportunity for a non-resident owner to have River Crest Estates lease out and manage the unit on the owners behalf. As well, someone could buy a 2 bedroom unit, occupy one bedroom and lease out the other.
And the best part - pets are permitted (with restrictions)!
Memberships are currently available which affords the Member various benefits.
Don't hesitate to reach out with any questions you have or for additional information.
List Price: $659,900
Bedrooms: 2
Bathrooms: 2
Size: 1174 sq. ft. (based on builder plans)
Parking: 1 Underground
Taxes: To be determined
Condo Fees: To be determined. Includes Building Insurance, Common Elements, Ground Maintenance/Landscaping, Parking, Property Management Fees, Snow Removal.
Other models also available.
- Wednesday, September 14, 2022
- Marion Goard
This information below has been provided by Karina Gould, Member of Parliament for Burlington.
After every 10-year census, our Constitution requires that federal electoral ridings be reviewed, to take into account any population changes.
This review is undertaken by independent provincial commissions. Here in Ontario, the Federal Electoral Boundaries Commission for Ontario published their proposal on August 19th, 2022.
In relation to our community, the Commission’s report proposes to:
- Remove sections of the Elizabeth Gardens neighbourhood to a new riding, Oakville Lakeshore;
- Remove sections of the Tyandaga and Brant Hills neighbourhoods to a new riding, Burlington – Milton West;
- Add sections of the Headon Forest and Millcroft neighbourhoods, which are currently part of the Oakville – North Burlington federal electoral riding.
As a community, we all want to be part of an electoral riding that is representative of who we are, and where we are.
I am concerned about the subsuming of Tyandaga and Brant Hills into a Milton riding and Elizabeth Gardens into Oakville, as these neighbourhoods are served by schools, hospitals, and other services located in the City of Burlington.
I encourage all residents to take a look at the proposed new boundaries put forward by the Commission.
The Commission, in its initial proposal looks only at population, and not communities of interest, therefore when petitioning the Commission, it is important to explain why or why not a certain area should be a part of an electoral riding.
Following the publishing of the new boundaries, the Commission will also accept written submissions from the public by mail and email until September 25th, 2022. There will then be both virtual and in-person hearings from September 26 – October 29th.
In Halton, there will be a virtual hearing on September 28th, and an in-person hearing on October 12th. These require registration by September 25th in order to participate. I will be participating in both hearings.
The Commission will then submit a report, consider objections from the public and the House of Commons, and prepare a final decision outlining the new boundaries for the province of Ontario.
As these proposed changes will affect our community of Burlington, and neighbouring Oakville and Milton, it is important that residents be informed and have their say.
You can view the proposed changes, complete and register your submissions, and learn more at redecoupage-redistribution-2022.ca.
- Wednesday, September 7, 2022
- Marion Goard
For most of us, our housing needs are cyclical. A newly independent adult can find freedom and flexibility in even a tiny apartment. That same space, to a growing family, would feel stifling. For empty nesters, a large home with several unused bedrooms can become impractical to heat and clean. It’s no surprise that life transitions often trigger a home purchase.
While your home-buying journey may not look like your neighbour’s or friend’s, broad trends can help you understand what to keep in mind as you house hunt. No one wants to regret their home purchase, and taking the time now to think about exactly what you need can save a lot of heartache later.
The Newly Married or Partnered Couple
The financial and legal commitment of both traditional and common-law marriage has provided a springboard to home-ownership for centuries. And while the average age of first marriage in Canada is around 30, the average age of first home purchase has shifted even later to 36. No matter your age, there are some key factors that you should consider when you are ready to enter into your first home purchase together.
Affordability is Key
There’s no doubt about it—with home prices that just keep climbing, many first-time buyers feel that the deck is stacked against them when it comes to home-ownership. But stepping onto the property ladder can be more doable than many realize, especially in today’s relatively low mortgage rate environment.
While many buyers are holding out for their dream home, embracing the concept of a starter home can open a lot of doors. In fact, that’s a popular approach for first-time home-buyers to take. Fifty percent of first-time Canadian buyers report that they plan to eventually upgrade to a larger home.
Chosen carefully, a starter home can be a great investment as well as a launch-pad for your life together. If you focus on buying a home you can afford now with strong potential for appreciation, you can build equity alongside your savings, positioning you to trade up in the future if your needs change.
Taking Advantage of Low Mortgage Rates
Canadian mortgage rates hit record lows in summer 2020, and while they are now rising, it is still an ideal time to purchase your first home together. A lower interest rate can save you a bundle over the life of your loan, which can significantly increase the quality of home you can get for your money.
But what if both halves of a couple don’t have good credit? You still have options. First, boosting a credit score can be easier than you think—simply paying your credit cards down below 35% of your limit can go a long way. But if that’s not enough to raise your score, you might consider taking out the mortgage in only the better-scoring partner’s name. The downside is that applying for a mortgage with only one income will reduce your qualification amount. And if you take that route, make sure you understand the legal and financial implications for both parties should the relationship end.
Commute and Lifestyle Considerations
Whether you’ve lived in a rental together for years or are sharing a home for the first time, you know that living together involves some compromises. There are certain home features that can make life easier in the future if you identify them now. The number of bathrooms, availability of closet space, and even things like kitchen layout can make a big difference in your day-to-day life and relationship.
Your home’s location will also have a significant impact on your quality of life, so consider it carefully. What will commuting look like for each of you? And if you have different interests or hobbies—say, museums vs. hiking—you’ll need to find a community that meets both your needs. Need some help identifying the ideal location that fits within your budget? I can match you with some great neighbourhoods that offer the perfect mix of amenities and affordability.
The Growing Family
Having kids changes things—fast. With a couple of rowdy preteens and maybe some pets in the mix, that 1,200 square foot home that felt palatial to two adults suddenly becomes a lot more cramped. Whether you’ve just had your first child or are getting to the point where your kids can’t comfortably share a bedroom any longer, there’s plenty to consider when you’re ready to size up to a home that will fit your growing family.
The Importance of School Districts
For many parents, the desire to give their kids the best education—especially once they are in middle and high school— surpasses even their desire for more breathing room. In fact, homebuyers report that schools are one of their top concerns. Of course, homes in the best-rated districts tend to be more expensive and harder to nab. But when push comes to shove, many buyers with kids prefer to sacrifice a bit of space to find a home in their desired location.
When you’re moving to a new community, it can be tough to figure out what the local schools are actually like—and online ratings don't tell the whole story. That’s why talking to a local real estate agent can be a game-changer. I don’t just work in this community; I know it inside and out.
Lifestyle Considerations
For many families, living space is a key priority. Once you have teenagers who want space to hang out with their friends, a finished basement or a rec room can be a huge bonus (and can help you protect some quieter living space for yourself).
A good layout can also make family life a lot easier. For example, an open plan is invaluable if you want to cook dinner while keeping an eye on your young kids playing in the living room. And if you think that you might expand your family further in the future, be sure that the home you purchase has enough bedrooms and bathrooms to accommodate that comfortably.
Functionality
Try to think about how each room will fit into your day-to-day routines. Are you anticipating keeping the house stocked to feed hungry teenagers? A pantry might rise to the top of the list. Dreading the loads of laundry that come with both infants and older kids (especially if they play sports)? The task can be much more bearable in a well-designed laundry room. Imagine a typical day or week of chores in the house to identify which features will have the biggest impact.
Chances are, you won’t find every nice-to-have in one home, which is why identifying the must-haves can be such a boon to the decision-making process. I can help you assess your options and give you a sense of what is realistic within your budget.
The Empty Nesters
When we talk about empty nesters, we usually think about downsizing. With kids out of the house, extra bedrooms and living space can quickly become more trouble than they’re worth. While the average buyer with young kids is most likely to trade up to a larger home, older buyers often sell the family home and move into a smaller, less expensive home. In fact, more than half of Canadian Baby Boomers consider the area where they live too expensive for retirement.
Maintenance and Livability
What factors are driving your decision to move? Identifying those early in the process can help you narrow down your search. For example, do you want to have space for a garden, or would you prefer to avoid dealing with lawn care altogether? What about home maintenance? In many cases, a newer home will require less maintenance than an older one and a smaller one will take less time to clean. It’s not surprising that condos are among the most popular types of homes for Baby Boomers given they require less upkeep than single-family homes.
Lifestyle Considerations
Many empty nesters have retired or are nearing retirement age. This could be your chance to finally pursue hobbies and passions that were just too hard to squeeze into a 9-5. If you’re ready to move, consider how you’d like to spend your days and seek out a home that will help make that dream a reality. For some, that might mean living near a golf course or a beach. For others, being able to walk downtown for a nice dinner out is the priority. And with more time to spend as you wish, proximity to a supportive community of friends and family is priceless.
Ability to Age in Place
Let’s face it—we can’t escape ageing. If you’re looking for a home to retire in, accessibility should be top-of-mind. This may mean a single-story home or simply having adequate spaces on the first floor to rearrange as needed. While buying a home that you plan to renovate from the start is a viable option, being forced into renovations (because of the realities of ageing) a few years down the road could seriously dig into your nest egg. Location matters, too—if your family will be providing support, are they close by? Can you easily reach necessities like grocery stores and healthcare? While it’s tempting to put it out of our minds, a few careful considerations now can make staying in your home long-term much more feasible.
Finding the Right Home for Right Now
One thing is for sure—life never stands still. And your housing needs won’t, either. In fact, the average Canadian homeowner will own 4.5 to 5.5 houses over their lifetime.8 At each milestone, a careful assessment of your housing options will ensure that you are well-positioned to embrace all the changes to come.
Whatever stage you’re embarking on next, we’re here to help. Our insight into local neighbourhoods, prices, and housing stock will help you hone in on exactly where you want to live and what kind of home is right for you. We’ve worked with home buyers in every stage of life, so we know exactly what questions you need to ask. Buying a home—whether it’s your first or your fifth—is a big decision, but we’re here to support you every step of the way.
- Tuesday, August 9, 2022
- Marion Goard
The process of buying a new home can be both exhilarating and exhausting. But the journey doesn’t stop when you close on your property. On the contrary, you still have quite a bit to do before you can begin the process of settling into your new place.
Fortunately, you don’t have to do everything in a day. You don’t have to do it all alone, either. When you work with me to sell or purchase a home, you’ll have an ally by your side long after your transaction has closed. I’ll continue to be a resource, offering advice and referrals whenever you need them on packing, hiring movers and contractors, and acclimating to your new home and neighbourhood.
When it comes to a life event as stressful as moving, it pays to have a professional by your side. Here are some of our favourite pro tips to share with clients as they prepare for an upcoming move.
1. Watch out for moving scams.
Maybe you receive a flyer for a moving company in the mail. Perhaps you find a mover online. Either way, never assume that you’re getting accurate information. According to The Canadian Association of Movers, moving scams are on the rise — with seniors, in particular, being targeted.
How can you tell if a moving deal is too good to be true? Trust your instincts. If the price appears too low or you can’t pin down the mover’s physical business address, try someone else. The same goes for any moving company representative who dodges questions. Reputable movers should offer transparent pricing, conduct in-home estimates, and provide referrals and copies of their insurance documents upon request. For help finding trustworthy movers, reach out. I’d be happy to share our recommendations.
2. Insure your belongings.
Your moving company promises to take care of your custom piano or your antique furniture. But don’t just take their word for it. Ask to see how much insurance they carry and talk about how the claims process works. That way, you’ll know what is (and isn’t) covered in case of loss or damage. If needed, consider paying extra to upgrade to full replacement value protection.
Of course, some items are priceless because they’re irreplaceable. You might want to move your more sensitive valuables (jewellery, documents, family heirlooms, etc.) in your own vehicle just to be safe. For added peace of mind, call your home insurance provider if you’re moving anything yourself. In many cases, your personal property will be covered while in transit for a limited period of time.
3. Start packing when you start looking for a new home.
As soon as your house hunting begins in earnest, think about packing away things you won’t need for the next few months. These could include seasonal or holiday decor, clothing, and books. Tackling just one or two boxes a day will give you a head start.
If you're going to put your current home on the market, you'll want to de-clutter anyway. De-cluttering will make your home seem larger, and depersonalizing helps buyers envision their own items in the space. Consider selling, donating, or throwing out possessions you no longer need. The things you want to keep can be placed in storage until you officially start moving to a new place.
4. Pack to make unpacking easier.
Have you ever opened a packed box only to find that it’s filled with an assortment of items that don’t belong together? This isn’t efficient and will only make unpacking harder. A better way to pack is to bundle items from a single room in a labelled box. Labels can let movers know (and remind you) where to place each box, whether it’s fragile, and which side needs to be up. Some people like to assign colours to each room in their new home to make distributing colour-coded boxes a breeze.
Feel free to unleash your inner organizer with this project. For example, you could create a spreadsheet and assign each box a number. As boxes are packed, simply fill in the spreadsheet with a list of contents. Anyone with access to the spreadsheet can log in and quickly find a desired item.
5. Think outside the box when transporting clothes.
Who wants to worry about boxing up clothes? If you plan on hiring professional movers, ask if you can leave clothing in your dressers. In many cases, they will use plastic to wrap the dresser so the drawers don’t fall out during transport. If keeping your clothes in your furniture makes it too heavy, the movers might be able to wrap and move drawers by themselves.
Another easy transport trick involves turning clean garbage bags into garment bags. Poke a hole in the bottom of a garbage bag, turn the bag upside down, slide it over five to seven garments on hangers, and lay the items flat in the back seat or trunk of your vehicle. The bags will help prevent wrinkling, and your clothes will be ready to hang up when you get to your new home.
6. Document prior to disassembling appliances and furnishings.
Few things are as confusing as looking at a plastic baggie filled with nuts, bolts, and screws from your disassembled dining room table or sorting through a box of electrical wires and cords to see which ones fit your TV.
The best work-around to easier reassembly is to document the disassembly process. Take photos and videos or thorough notes as you go. Whether it’s your headboard or treadmill, be very precise. And just a tip: Construct your beds first when you get to your new home. After a long moving day, the very last thing you want is to be assembling beds into the wee hours of the morning.
7. Prioritize unpacking kids’ rooms.
Children can become very stressed by a big move. To ease their transition, consider prioritizing unpacking their rooms as their “safe zones.” You aren’t obligated to unpack everything, certainly. However, set up your children’s rooms to be functional. That way, your kids can hang out in a private oasis away from the chaos while you’re running around and moving everything else.
Depending upon how old your youngsters are, you might want to give them decorating leeway, too. Even if it’s just letting them choose where furniture goes, it gives them a sense of buy-in. This can help ease the blues of leaving a former home they loved.
8. Be a thoughtful pet parent.
Many types of pets can’t handle the commotion of moving day. Knowing this, be considerate and seek ways to give your pets breaks from the action. You might ask a friend to pet-sit your pooch or keep your kitty in a quieter room, like a guest bathroom.
Be sure to check in on your pet frequently. Pets like to know that you’re around. Give them treats, food, and water throughout the day. When it’s time to transport your pet, do it calmly. At your new property, give your pet access to just a room or two at first. Pets typically prefer to acclimate themselves slowly to unfamiliar environments.
9. Plan for your move like you’re planning for an exciting vacation.
When you plan vacations, you probably look up local restaurants, shops, and recreational areas. Who says you can’t do the same thing when moving? Create a list of all the places you want to go and things you want to do around your newly purchased home. Having a to-explore list keeps everyone’s spirits high and gives you starting points to settle into the neighbourhood.
And don’t feel that you have to cook that first night. Once the moving trucks are gone, you can always pop over to a local eatery or order SkipTheDishes for major convenience. The first meal in your new home should be a happy, welcoming treat. And if you’re relocating to my neck of the woods, I would love to introduce you to the hot spots in town and recommend local favourites.
10. Pack an “Open Me First!” box.
You won’t be able to unpack all your boxes in one day, but you shouldn’t go without your sheets, pillows, or toothbrush. Designate some boxes with “Open Me First!” labels. (Pro tip: Keep a tool kit front and centre for all that reassembling.)
Along these lines, use luggage and duffel bags to transport everyone’s personal must-have items and enough clothing for a couple of days. That way, you won’t have to rummage through everything in the middle of your move looking for sneakers or snacks.
When packing your “Open Me First!” boxes, think about which items you’ll need in those first 24 hours. For example, toilet paper and hand soap are musts. A box cutter will make unpacking a lot easier, and paper towels and trash bags are sure to come in handy. Reach out for a complete, printable list of “Open Me First!” box essentials to keep on hand for your next move!
LET’S GET MOVING
Getting the phone call from your real estate agent that your bid was accepted is a thrilling moment. Make sure you keep the positivity flowing during the following weeks by mapping out a streamlined, efficient move. Feel free to get in touch with me today to help make your big move your best move.
- Monday, June 6, 2022
- Marion Goard
Canada's housing market hit a boiling point last year as homebuyers clambered for real estate in regions with significantly more demand than supply. But now that homeowners and buyers alike are feeling the pinch of rising interest rates and record inflation, the market appears to finally be simmering down.
That, in turn, could create a welcome opening for shoppers to be more selective with their searches. However, buyers hoping for a major downturn in prices may be left disappointed. Although home values in some segments are beginning to sag under the weight of higher borrowing costs, a persistent housing shortage is expected to keep prices high.
Read on for a closer look at some of the top factors impacting Canada's real estate market and how they could affect you.
RISING MORTGAGE RATES ARE COOLING AN OVERHEATED MARKET
Over the past couple of years, home-buyers have faced record-high price appreciation and intense competition—in part due to historically low mortgage rates that were a result of the Bank of Canada’s efforts to keep the economy afloat during the COVID-19 pandemic.
According to the Canadian Real Estate Association (CREA), in 2021, both the number of sales and average home price hit at an all-time high, with demand for new homes far exceeding supply. This trend continued through early 2022, despite widespread predictions that the Bank of Canada was gearing up to increase interest rates.
But now that the central bank has officially begun pushing its key interest rate back up from emergency levels, the housing market is responding, with the pace of home sales cooling in March, April and May. The Canada Mortgage and Housing Corporation (CMHC) predicts that the housing market will continue to moderate in the coming year.
The feds plan to keep raising interest rates as necessary to fight inflation, which means target rates could rise by another 1 to 2% or more over the next year. That, in turn, will cause both fixed and variable mortgage rates to rise.
As Senior Deputy Governor Carolyn Rogers noted in May: “We need higher rates to moderate demand, including demand in the housing market. Housing price growth is unsustainably strong in Canada.”
What does it mean for you?
If you’re shopping for a new home, expect mortgage rates to keep rising into 2024. So, you’ll need to act fast if you want to get in at a lower rate. However, the cooling effect should make for a less competitive market. I can help you chart the best path.
If you’ve been thinking about selling, higher mortgage rates may shrink your pool of potential buyers, so don’t wait too long to list. And if you are up for a renewal, you should also act quickly or risk paying a higher rate. Contact me to discuss your options.
DEMAND AND PRICES ARE STARTING TO SOFTEN IN SOME SEGMENTS
Nationally, home prices soared a record 26.6% last year, an unsustainable rate of appreciation by any measure. But now that the Bank of Canada has put rock-bottom rates in the rear view window, sales have begun to slow.
Soon after the Bank of Canada began raising interest rates in early March, the real estate market responded. According to the CREA, in March, home sales fell by 5.4% on a month-over-month basis and the Aggregate Composite MLS® Home Price Index (HPI) ticked up just 1%, “a marked slowdown from the record 3.5% increase in February.”
By April, home sales dropped by another 12.6% over the previous month as homeowners and buyers continued adjusting to higher rates.. “Following a record-breaking couple of years, housing markets in many parts of Canada have cooled off pretty sharply over the last two months, in line with a jump in interest rates and buyer fatigue,” said CREA Chair Jill Oudil. Meanwhile, prices are still rising in some markets, but are sagging in others, causing the HPI to dip in April for the first time since 2020.
As the Bank of Canada continues pushing up rates, more buyers may give up on their home-ownership dreams if they feel too squeezed by the combination of high rates and high prices. Still, many experts say a major downturn in prices is unlikely. That's in part due to the fact that there still aren't enough homes available to meet the demands of a growing population, says CREA CEO Michael Bourque. “The supply of new homes is not even close to keeping up with demographic changes and population growth.” As long as housing remains a scarce asset, prices will remain relatively elevated.
What does it mean for you?
If you’ve been waiting to buy a home, now may be the perfect time to jump in the market. There are deals to be found if you know where to look. But don’t wait too long, or higher mortgage rates will erode any cost savings. I can help you find the best opportunities in today’s market.
For homeowners, the outlook is still bright. Governmental interventions are being put in place to stabilize the market–not crash it. And demand for housing and a strong job market should help protect your investment.
INVENTORY REMAINS TIGHT
According to the CMHC, housing starts trended higher in April after a small downturn in March. Overall, new homes are still being built at a faster clip today than in the past, but at a slower pace than we saw in 2021, noted CMHC Chief Economist Bob Dugan. Home-builders are facing a wide range of challenges, including persistent inflation, rising rates, and ongoing labour shortages.
Increased federal investment could help counteract at least some of those challenges. The federal government recently announced plans to help double the pace of housing construction over the next decade by funding significantly more new and affordable housing. It also announced additional relief measures, including a temporary ban on foreign investment, doubling first-time buyers' tax credit, and halting blind bidding wars.
In addition to fewer homes being built, new listings are also down, according to the CREA’s sales report. But a decrease in demand is offsetting the impact in some areas. “A little more than half of local markets were balanced markets…a little less than half were in seller's market territory.”
What does it mean for you?
While supply remains at historically low levels, even a modest bump in inventory can help take pressure off of buyers. If you’ve had trouble finding a home in the past, give me a call to discuss what we’re currently seeing in your target neighbourhood and price range.
If you’re a homeowner, it’s still a great time to sell and cash out those big equity gains. Contact me to find out how much your home is worth in today’s market.
I'M HERE TO GUIDE YOU
While national real estate trends can provide a “big picture” outlook, real estate is local. And as local market experts, we can guide you through the ins and outs of our market and the local issues that are likely to drive home values in your particular neighbourhood.
If you’re considering buying or selling a home, contact me now to schedule a free consultation. I can help you assess your options and make the most of this unique real estate landscape.
- Tuesday, May 10, 2022
- Marion Goard
With more than 32 percent of Canada’s population over the age of 55 (as of September 2021), it’s reasonable to expect that many of us in that demographic will be looking for alternative living arrangements sometime in the next 10 to 15 years.
For anyone just starting to navigate the world of adult communities and senior living, it can be a confusing journey. There are so many options available, so choosing the right home for now and for your future is critical. Senior living and care options come in various forms, but the most distinction needs to be made between how retirement homes and nursing homes, also known as long term care (or LTC), are very different.
It is crucial to understand what services each type of home can provide, who they cater to and what costs are involved. It’s also important to understand the process of securing space in either of these options. There are pros and cons to each, but ultimately, your decision will be based on your needs today, consideration for your future care, your desired lifestyle and financial situation.
Not only will the costs vary, the environments will be different in each. There will be variances in the level of care, the activities, and the living spaces. Be prepared to do some research, or talk to someone who specializes in senior moves.
Retirement Homes
Retirement homes are typically private, offering a variety of services and living arrangements. Many have suites, similar to condominiums although generally much smaller, allowing residents to maintain a certain lifestyle and enjoy their independence. Retirement homes usually work best for anyone who wants to maintain or build an active social life with other individuals in the same age group. They vary widely on what they offer and you’ll have to ask some questions and explore the options and add-ons which you might want or need. You’ll want to examine the fees to determine exactly what is included (such as food) and what à la carte services can be purchased as you need them (such as laundry and light housekeeping).
Retirement homes have become their own wonderful communities over the years, offering self-contained units where your privacy is paramount. Retirement homes have a large list of amenities at your disposal:
- Some or all of your meals
- Planned activities on-site, such as yoga, musical programs and social activities
- Regular outings (think field trips!) to various entertainment venues and shopping venues/malls
- On-site health care staff
- Weekly clinics and appointment for personal care, mental health, and medical check ups, including dental
Some retirement homes have guidelines around how long you can stay there. As your needs change, or in the event of a health crisis, the home may not be equipped to give you all the care you need. If the home cannot provide you with the services you need, you may find yourself at a loss. Be proactive and have a plan in place for future care and be prepared for another move should the retirement home be unable to provide services due to a change in your circumstances.
Most retirement homes will allow a short stay so you can test the lifestyle to ensure it's a for a good fit for you. You can book a tour to view the living options and amenities. If an offer to come for lunch is made, take advantage of this. It will give you a chance to meet some people and test the food yourself. Ask for a floor plan of the living space and an activity calendar to take home with you. Having the floor plan will help you plan where your furniture and belongings could be placed, should you decide to move. The activity calendar will give you a better idea of what is offered and can be a good indicator of what daily life might be like.
Questions To Ask A Retirement Home
- What floor plans are available?
- Are there other locations within this chain?
- Are meals included? How many?
- Can I see some meal menus? How often do the menus change?
- How, when and where are meals served? What happens if I don' like the food choices at any meal?
- Are there options for additional care? What are the fees? What services must I outsource?
- What kind of social events happen? Is there a schedule I can see?
- How often do prices increase?
- What is the policy for changing suites within the community?
- What utilities are included?
- What are some costs I may need to budget for?
- Are there laundry services?
- Which appliances are included in the suites?
- What are the move-in rules?
- What housekeeping services are provided? How often?
- How many staff members are on duty at any given time? Are there medical staff on site?
- How many residents/units are in the community?
- Are pets allowed? Are there any restrictions?
- What is the current availability? How quickly will I need to make a decision when a suitable suite becomes available? Is a deposit required?
- Do you maintain waiting lists?
Long Term Care (Nursing) Homes
Nursing homes, also called long term care homes, or LTCs, are designed for people who need more support in their day-to-day care. Nursing homes in Ontario are government controlled, with placements into homes and access to community services controlled by Home and Community Care Support Services (formerly LHIN, or Local Health Integrated Network). This system is needs-based, meaning people are moved to nursing homes when their medical status deems it necessary. Throughout Ontario, waiting lists are long, and while you can choose 3 to 5 preferred homes, there is no guarantee that you will get space in a home of your choice.
Unlike retirement homes, where rates will vary depending on amenities, living spaces and services, the pricing at nursing homes is consistent. Because the costs are set by the Ministry of Long-Term care, everyone pays the same price, regardless of financial situation. At the time of writing (2022) the basic monthly costs are $1891.31 for a basic room (shared with up to 4 beds), $2280.04 for semi-private, and $2701.61 for private. There is a government subsidy for basic rooms only available to those who qualify. Residents usually pay for any medications or other services not covered by their private insurance plans or the provincial drug benefit program.
Tips for Touring LTCs
- Visit the facility on different days and at various times.
- Take note of staff morale, resident activities and interactions between staff and residents.
- Talk to nursing staff about how long they’ve worked there.
- Ask to meet with the administrators.
- Ask about staff-to-resident ratios.
- Read and review the resident care plan.
- Search online for reviews of your preferred LTCs.
- Make note of how meals are served.
- Pay attention to the level of functioning of current residents.
- Look for activity boards or ask to see a list.
Whatever type of senior living facility you choose, your post-retirement life can be comfortable, safe, and enjoyable. Understanding your needs, priorities, and preferences is key to choosing an option that is best suited to you. If you are looking for an active environment, want to be surrounded by people your age, and want the flexibility to come and go as you please, a retirement home may be the right choice for you. And while a nursing home space is driven by a qualification process, you can be assured you’ll have access to care when you need it.
As a Master Accredited Senior Agent, I can walk you through the process of choosing the adult community that is right for you. When the time comes to make a move I can assist with the sale of your current home as well as offer some guidance on how to determine what furnishings and other goods you’d like to keep for your new residence. My goal is to provide you with all the specialized information and professional guidance in the most patient and caring way possible. I’ll work with you to create a personalized plan, to give you peace of mind and help you make the best decision possible.
For further resources, visit my resource page for Burlington retirement homes.
- Thursday, March 3, 2022
- Marion Goard
Are you prepared to take action should an ageing parent suddenly need to move from their home? Most people have never had a conversation with their parents about what they see as their long-term living plan. With some careful planning and consideration you can certainly avoid having to make the decision of where to move mom or dad while in crisis mode. Here are two very different client stories.
SEO Shopping:
Dad had a bad fall and sadly, passed away a few days later. We knew Mom couldn’t stay alone in the house. She was frail, had some dementia. Dad had been taking care of her for years, failing to truly address Mom’s physical and mental state. His thinking was that he would outlive her, so alternative living arrangements didn’t need to be addressed. After Dad’s passing, decisions for and about Mom had to be made quickly. How would she manage? Where would she live? How would we handle things?
Once we got over the shock of dad’s death and realized we needed to move quickly, mom went to live temporarily with a daughter in another city, in a less than ideal environment for her. After mom and dad’s house was sold the attention turned to finding suitable accommodations for Mom. Without a network of friends who already had parents who were living in retirement homes, we did what most people would do: we turned to Google. We searched the internet for retirement homes close to our parents' neighbourhood, hoping Mom would feel more comfortable living in a community she was familiar with. We took space available at one of the retirement homes we found online. We made the choice without investigating all the options available to us.
In hindsight, we should have anticipated that our parents would have to move eventually. We should have encouraged them to take the time to consider some alternative housing options and even look for a home that could care for someone with dementia. We ended up picking a place without really having the opportunity for any due diligence, and quite likely the home with the best SEO (search engine optimization) and not the place best suited for Mom’s lifestyle and needs.
We regret not seeking help from someone like Marion. Her vast experience in helping seniors move, and her extensive knowledge of all the options, could have saved us the headache and heartache of making a rushed and uninformed choice.
A Family Affair:
After Mom, who is very spry and alert, had a fall, Mom knew herself that it would be best for her to move sooner than later to another location where other people were around and where she could find the support she needed. While the fall didn’t impact her physically very much, she knew this was another warning sign for the future.
As a family, we spoke about what mom wanted. These conversations can often be daunting and we anticipated some apprehension on her part, but we let her drive the conversation. We discussed some options in finding her a new place to live, taking a proactive approach to what her needs might be in the next five to ten years. Mom was fully on board and made the final decision herself. We had the luxury of planning the timeline and Mom moved on her terms,
We hired Marion to sell her condo and help facilitate the transition to a retirement residence. Marion was able to help us with many other services such as finding trusted professionals to help mom prepare for downsizing. The process was seamless, making it much easier for all of us. We can all rest assured that Mom will be in the perfect spot for her and the transition was made with minimal stress.
Marion’s Philosophy:
Moving onto the next home requires a holistic approach, something I proudly do every day. We need to assess the big picture: where you are now, where you see yourself in the future, what you anticipate you’ll need and how you want to live your life. Forward thinking about how you want to spend your days will be helpful in determining the right living arrangement. It’s also important to consider how long you’ll be able to live in your next home and/or whether it’s just a stepping stone to when your needs change. This is a process that takes time, but making informed decisions while you have the time removes the stress of having to make choices under pressure or during a crisis.
- Friday, February 5, 2021
- Rate-My-Agent.com
Marion Goard of Keller Williams Edge Realty with 27 reviews and a “success ratio” of 100% has been named the third top agent in Burlington for 2020 by Rate-My-Agent.com. The review site analyzes all the ratings and reviews on the site to compile a list of the Top Real Estate Agents in Burlington.
“Unlike other agent ranking sites, agents can’t pay to have negative reviews removed or hidden and cannot pay to be included on the list of top-rated agents,” says Rate-My-Agent. The company won't disclose exactly how it verifies reviews “to protect the integrity of the process,” but it says “there have been many attempts by agents to game the system and rankings, which is why we keep our algorithms a closely held secret.” This year the company has started penalizing agents caught cheating. “It’s not fair to the agents who earn their reviews honestly, so we implemented a penalty system.” Some agents have suggested that cheating should be reported to provincial regulators.
The rest of the top 10 agents for 2020 can be found on Rate-My-Agent.com.
The list is published annually based on that year’s verified reviews.
Rate-My-Agent.com is a rating and review website for real estate agents, mortgage brokers, and insurance agents. It’s free for the general public and real estate professionals. The company pledges 50% of profit to worthy causes.
- Tuesday, October 27, 2020
- Marion Goard
The pandemic has been a challenge to everyone, but perhaps more so to students. Not only was their academic year abruptly truncated last year, but this year many are having to do their learning from a distance. The dynamics of the classroom has changed and curriculums have been adjusted from semesters to quadmesters - four blocks of learning concentrating on two subjects per quad. The teachers have faced the challenge, encouraging the students to persevere, challenging them to step out of their comfort zones and make learning intuitive and interesting. An essential part of the curriculum is the Youth Philanthropy Initiative (YPI) project where high school students have to identify, explore and research a social issue. Each year, YPI Canada grants hundreds of thousands of dollars to community-based charities and it’s the students who decide who to submit for consideration. Philanthropy and learning collide in this initiative. It’s a program that speaks to me because my experience with charities as a volunteer and a donor is an integral part of who I am.
I’d like to share the efforts of five teachers at Aldershot School in Burlington who challenged their Grade 10 students to compete for a grant for their charity of choice. The teachers - Jennifer Riley who teaches French Immersion and Jaime Mitchell, Matthew Maguire, Ramiel Nassara and Kerry Sagar - who teach in the I-STEM Program (@ISTEM_HDSB on Twitter); an integrated program across four subjects (Science, English, Civics/Careers, Math), sometimes teach via Google Meet and sometimes face-to-face with the students in class. In September, armed with a $5000 grant from YPI, the teachers tasked the students to individually select a social issue impacting their community and a charity that addresses that issue. The students had to create a video pitch for their cause and charity, which was then viewed by their peers.
“I remain committed to my belief that we can ask students to engage in meaningful projects that change the world while also covering curriculum,” Mitchell posted on Twitter.
The video pitches were the result of the students’ deep research into the social issue they chose and an examination of the impact it has on the community. In their videos, the students outlined the social issue and highlighted how their chosen charity helps.
I invite you to watch the student-created videos. Not only is their understanding of social issues clear and their creativity inspiring, it is encouraging that young people are ready, willing and able to do something about it.
There were four runners-up and one finalist from the groups that were formed.
Runner up #1 The Burlington Food Bank
Runner up #2 Society of St. Vincent de Paul
Runner up #3 Halton Learning Foundation
Runner up #4 The Bruce Trail Conservancy
And the winner of the $5000 grant: Halton Women’s Place
Congratulations to all involved! This has been a great initiative and it's wonderful to see our students so engaged in the charitable sector of our community. Well done!
- Monday, July 6, 2020
- Marion goard
Traditionally, spring is one of the busiest times of the year for real estate. But the coronavirus outbreak—and subsequent stay-at-home orders—led many buyers and sellers to put their moving plans on hold. In April, sales volume fell to its lowest level since 1984, according to the Canadian Real Estate Association.1
However, while sales have fallen, prices have remained stable. Nationally, the average home price in April was down just 1.3% from the same month last year.1 And in many metropolitan areas including Hamilton-Burlington, prices have continued to rise. The Teranet–National Bank Composite House Price Index, which measures 11 major Canadian markets, showed home prices in April were up 5.3% from a year earlier.2
Despite the stats, given safety concerns and the current economic climate, is it prudent to jump into the real estate market now?
Before you decide, it’s important to consider where the housing market is headed, how the real estate process has changed, and your own individual needs and circumstances.
WHAT’S AHEAD FOR THE HOUSING MARKET?
In response to the economic slowdown, the Bank of Canada has slashed interest rates.3 That’s good news for homebuyers who have struggled to afford a mortgage in the past. Lower mortgage rates can bring down monthly payments or increase a buyer’s purchasing power while making it easier to qualify for a loan.
And at a recent press conference, Bank of Canada Governor Stephen Poloz told reporters that interest rates would likely remain low for the foreseeable future. He also noted that the country is on track to meet the central bank’s “best-case scenario for recovery” as outlined in April, and he didn’t predict damage to the economy would be as “dire” as some have speculated.4
While many buyers are eager to take advantage of low mortgage rates, some wonder if recessionary pressures could drive down home prices, too. Economists at the Canada Mortgage and Housing Corporation predict that prices will decrease over the next 12 months.5 However, many real estate industry veterans expect supply and demand fundamentals to prevent a drastic drop in home values.6
There’s been a shortage of affordable homes on the market for years, and that inventory shortage has helped to prop up prices—even as sales have slowed. That’s because supply and demand have fallen at around the same pace.7 Of course, some market segments have fared better than others. For example, demand has softened for urban condos in some areas, which has caused prices to drop. Whereas, the supply of single-family homes in many neighbourhoods has dried up, leaving eager buyers to compete for listings.7
There are certainly opportunities out in the marketplace for both buyers and sellers. But now more than ever, it’s crucial to have a professional real estate agent who understands your local market dynamics and can help you assess the best time to buy or list your home.
HOW HAS THE REAL ESTATE PROCESS CHANGED?
The safety of our clients and our team members is our top priority. That’s why we’ve developed a process for buyers and sellers that utilizes technology to minimize personal contact.
For our listings, we’re holding online open houses, offering virtual viewings, and conducting walk-through video tours. We’re also using video chat to qualify interested buyers before we book in-person showings. This enables us to promote your property to a broad audience while limiting physical foot traffic to only serious buyers.
Likewise, our buyer clients can view properties online and take virtual video tours to minimize the number of homes they step inside. Ready to visit a property in person? To decrease surface contact sellers are asked to turn on all the lights and open doors and cabinets before your scheduled showing.
The majority of our “paperwork” is also digital. In fact, many of the legal and financial documents involved in buying and selling a home went online years ago. You can safely view and eSign contracts from your smartphone or computer.
While these new ways of conducting business may seem strange at first, keep in mind, many out of town buyers and others have utilized virtual methods to buy and sell homes for years.
IS IT THE RIGHT TIME FOR ME TO MAKE A MOVE?
The reality is, there’s no “one size fits all” answer as to whether it’s a good time to buy or sell a home because everyone’s circumstances are unique. But now that you know the state of the market and what you can expect as you shop for real estate, consider the following questions:
Why do you want or need to move?
It’s important to consider why you want to move and if your needs may shift over the next year. For example, if you need a larger home for your growing family, your space constraints aren’t likely to go away. In fact, they could be amplified as you spend more time at home.
However, if you’re planning a move to be closer to your office, consider whether your commute could change. Some companies are rethinking their office dynamics and may encourage their employees to work remotely on a permanent basis.
How urgently do you need to complete your move?
If you have a new baby on the way or want to be settled before schools open in the fall, we recommend that you begin aggressively searching as soon as possible. With fewer homes on the market, it’s taking longer than usual for clients to find and purchase a home.
However, if your timeline is flexible, you may be well-positioned to score a deal. There may be some highly-incentivized sellers who are willing to negotiate on terms and price. Talk to us about setting up a search so we can keep an eye out for any bargains that pop up. Most importantly, get pre-qualified for a mortgage now so you’ll be ready to act quickly.
If you’re eager to sell this year, now is the time to begin prepping your home for the market. Prices could fluctuate, and experts predict a second wave of infections may necessitate another lockdown.8 If you wait, you might miss your window of opportunity.
How has your particular market segment been impacted?
Certain segments will weather this economic downturn better than others. It’s important to understand the market dynamics of your particular area, price point, and housing type. The truth is, broad macroeconomic projections rarely paint an accurate picture of the day-to-day market realities of a given neighbourhood.
How long do you plan to stay in your new home?
During times of market uncertainty, your best bet is to buy a home you can envision yourself keeping for several years. Fortunately, with decreased competition and ultra-low mortgage rates, you’ll be well-positioned to score a great deal.
Is your income stable?
If there’s a good chance you could lose your job, you may be better off waiting to buy a home. The exception would be if you’re planning to downsize. Moving to a less expensive home could allow you to tap into your home equity or cut down on your monthly expenses.
WHEN YOU’RE READY TO MOVE—I'M READY TO HELP
While uncertain market conditions may give pause to some buyers and sellers, they can actually present an opportunity for those who are willing, able, and motivated to make a move.
Your average spring season would be flooded with real estate activity. Right now, motivated players are out in the market. That means that if you’re looking to buy, you’re in a better position to negotiate a great price. And today’s low mortgage rates could give a big boost to your purchasing power. In fact, if you’ve been priced out of the market before, this may be the perfect time to look.
If you’re ready to sell, you’ll have fewer listings to compete against in your neighbourhood and price range. But you’ll want to act quickly—a second wave of coronavirus cases could be coming later this year. Ask yourself how you will feel if you have to face another lockdown in your current home.
Let’s schedule a free virtual consultation to discuss your individual needs and circumstances. We can help you assess your options and create a plan that makes you feel both comfortable and confident during these unprecedented times.
The above references an opinion and is for informational purposes only. It is not intended to be financial advice. Consult a financial professional for advice regarding your individual needs.
Sources:
- CTV News -
https://www.ctvnews.ca/business/canadian-home-sales-fall-to-record-breaking-36-year-low-1.4940984
- House Price Index -
https://housepriceindex.ca/2020/05/april2020/
- CBC -
https://www.cbc.ca/news/business/bank-of-canada-interest-rate-1.5512098
- Financial Post -
https://business.financialpost.com/pmn/business-pmn/bank-of-canada-governor-says-interest-rates-will-probably-stay-low
- Canada Mortgage and Housing Corporation -
https://www.cmhc-schl.gc.ca/en/media-newsroom/speeches/2020/supporting-financial-stability-during-covid19-pandemic
- RE/MAX -
https://blog.remax.ca/no-nosedive-ahead-for-canadian-real-estate-prices-re-max/
- Global News -
https://globalnews.ca/news/6943727/coronavirus-housing-market-good-time-to-buy/
- CTV News -
https://www.ctvnews.ca/health/coronavirus/the-second-wave-will-come-and-experts-say-canada-is-not-prepared-1.4948733
- Saturday, May 9, 2020
- Marion Goard
Each year on the second Thursday in May, Keller Williams Realty associates celebrate RED Day. Standing for Renew, Energize and Donate, this observance defines who we are as a company and individuals and is a natural extension of our commitment to the highest level of professional customer service. Making a difference in the lives of others and bettering the communities that we serve lies at the heart of the Keller Williams culture. This year, this day of service is more important than ever!
With COVID-19 and social distancing in play this year the associates at our brokerages are not able to get together to work as a group as we have in the past, so we are going digital and all doing what we can individually to give back to our community. To that end, I am facilitating a community Food Drive in support of Food For Life and collecting non-perishable food items and toiletries.
Food For Life is an charitable organization, based in Burlington ON, that sources and distributes fresh, nutritious food to those in need through community partnerships. Their reach is far and wide. Food For Life distributes food, free of charge to over 100 community food programs in Halton and surrounding area. Prior to COVID-19, they were providing over 6,800 meals per day to people in need.
Many more people and families across Burlington are now finding themselves in need of food support, including those who have never needed to access a food bank before or simply need food delivery. There are a number of organizations rolling up their sleeves to address the increased need. I'm both fortunate and humbled to be in a position to help and RED Day is just what I needed to spur me to action.
I'd love your support of my RED Day Food Drive and it's easy to contribute! You can drop off your donations in a collection box on the front porch at Unit 19, 1095 Skyview Dr. in Burlington, between 9:00 am - 8:00 pm, Monday May 11-Friday May 15.
If dropping off a donation is not doable for you I will be out doing porch pickups on RED Day - May 14. Just let me know if you'd like me to stop by your location. Call text or email mariongoard@kw.com / 905-330-5201. Place your donated items in a disposable bag on your front porch by 9 am, indicating they are for the RED Day Food Drive. I'll do be making my rounds to pick up items that day between 9:30 a.m. and 3:00 p.m.
Most needed items at Food For Life at this time:
- canned vegetables
- canned fruit
- canned protein (chicken/tuna)
- plant based protein (lentils/quinoa)
- hearty fruits (apples/oranges)
Sample of items always needed:
- canned soups/stews
- Stagg Chili
- peanut butter
- rice/pasta
- baby food
- juice/juice boxes
- coffee/tea
- diapers
- sanitary and feminine hygiene products
- Monday, March 30, 2020
- unknown
Since the outbreak of the novel coronavirus (COVID-19), many of us are spending a lot more time at home. We’re all being called upon to avoid public spaces and practice social distancing to help slow the spread of this infectious disease. While it can be understandably challenging, there are ways we can modify our homes and lifestyles to make the best of this difficult situation.
Here are a few tips for creating comfortable and functional spaces within your home for work, school, and fitness. I also share some good ways to stay connected as a community, because we’re all in this together … and no one should face these trying times alone.
Begin with the Basics
A basic home emergency preparedness kit is a great addition to any home, even under normal circumstances. It should include items like water, non-perishable food, a flashlight, first aid kit, and other essentials you would need should you temporarily lose access to food, water, or electricity.
Fortunately, authorities don’t anticipate any serious interruptions to utilities or the food supply during this outbreak. However, if you haven't already, it may be a good time to start gathering your emergency basics in a designated location, so you’ll be prepared now-—and in the future—should your family ever need them.
Ready to start building an emergency kit for your home? Contact me for a free copy of my Home Emergency Preparation Checklist!
Working From Home
Many employees are being asked to work remotely. If you’re transitioning to a home office for the first time, it’s important to create a designated space for work … so it doesn’t creep into your home life, and vice versa. If you live in a small condominium or apartment, this may feel impossible. But try to find a quiet corner where you can set up a desk and comfortable chair. The simple act of separating your home and work spaces can help you focus during work hours and “turn off” at the end of the day.
Of course, with schools and daycares now closed, if you have children who are home with you all day separating your home and work life will be more difficult. Unless you have a partner who can serve as the primary caregiver, you will need to help manage the needs of your children while juggling work and virtual meetings.
If both parents are working from home, try alternating shifts, so you each have a designated time to work and to parent. If that’s not an option, experts recommend creating a schedule for your children, so they know when you’re available to play, and when you need to work1. A red stop sign on the door can help remind them when you shouldn’t be disturbed. And for young children, blocking off a specific time each day for them to nap or have independent screen time can give you a window to schedule conference calls or work uninterrupted.
Homeschooling Your Children
Parents with school-aged children may be taking on a new challenge: homeschooling. Similar to a home office, designating a space for learning activities can help your child transition between play and school. If you’re working from home, the homeschooling area would ideally be located near your workspace, so you can offer assistance and answer questions, as needed.
If possible, dedicate a desk or table where your child’s work can be spread out—and left out when they break for meals and snacks. Position supplies and materials nearby so they are independently accessible, and place a trash can and recycling bin within reach for easy cleanup. A washable, plastic tablecloth can help transition an academic space into an arts and crafts area.
If the weather is nice, try studying outside! A porch swing is a perfect spot for reading, and when the weather is suitable gardening in the backyard is a great addition to any science curriculum.
In addition to creating an academic learning environment, find age-appropriate opportunities for your children to help with household chores and meal preparation. Homeschooling advocates emphasize the importance of developing life skills alongside academic ones2. And with more meals and activities taking place at home, there will be ample opportunity for every family member to pitch in and help.
Staying Fit
With gyms closed and team sports canceled, it can be tempting to sit on the sofa and binge Netflix. However, maintaining the physical health and mental wellness of you and your family is crucial right now. Implementing a regular exercise routine at home can help with both.
If you live in a community where you can safely exercise outdoors while maintaining the recommended distance between you and other residents, try to get out as much as possible. If the weather is nice, go for family walks, jogs, or bike rides.
Can’t get outside? Fortunately, you don’t need a home gym or fancy exercise equipment to stay fit. Look for a suitable space in your home, garage, or basement where you can comfortably move—you’ll probably need at least a 6’ x 6’ area for each person. Many cardio and strength training exercises require little (or no) equipment, including jumping jacks, lunges, and pushups.
And if you prefer a guided workout, search for free exercise videos on YouTube—there are even options specifically geared towards kids—or try one of the many fitness apps available.
Socializing From a Distance
Even though we’re all being called upon to practice “social distancing” right now, there are still ways to stay safely connected to our communities and our extended families. Picking up the phone is a great place to start. Make an effort to reach out to neighbors and loved ones who live alone and may be feeling particularly isolated right now.
And while parties and playdates are prohibited, modern technology offers countless ways to organize networked gatherings with family and friends. Try using group video conferencing tools like Google Hangouts and Zoom to facilitate a virtual happy hour or book club. Host a Netflix Party to watch (and chat about) movies with friends. Or plan a virtual game night and challenge your pals to a round of Psych or Yahtzee.
There are safe ways to connect offline, too. Rediscover the lost art of letter writing. Drop off groceries on an elderly neighbor’s porch. Or organize a neighborhood “chalk walk,” where children use sidewalk chalk to decorate their driveways and then head out for a stroll to view their friends’ artwork.
Of course, there’s one group of people who you can still socialize with freely—those who reside in your home. Family dinners are back, siblings are reconnecting, and many of us have been given the gift of time, with commutes, activities, and obligations eliminated. In fact, some families are finding that this crisis has brought them closer than ever.
YOU ARE NOT ALONE
Even with all of the tools and technology available to keep us connected, many of us are still feeling stressed, scared, and isolated. However, you can rest assured that you are not alone. I'm not only here to help you buy and sell real estate. I want to be a resource to my clients and community through good times and bad. If you and your family are in need of assistance, please reach out and let me know how I can help.
Sources:
- CNBC -
https://www.cnbc.com/2020/03/16/how-to-work-from-home-with-your-kids-during-the-coronavirus-outbreak.html
- com -
https://www.thehomeschoolmom.com/benefits-of-homeschooling-2/
- Wednesday, November 7, 2018
- Marion Goard
Burlington has a steady line up of family fun events this November. Across the city, holiday lights and swag are bringing joy to residents and visitors!
The Well Event & Holiday Marketplace
Sunday, November 18 from 8:30 a.m. - 4:30 p.m.
For $5 this exclusive Holiday Marketplace takes over the Oakville Conference & Banquet Centre. This holiday market has 40 hand picked artisans and exclusive vendors, geared specifically to women! From jewellery, fashion items, gourmet ingredients and every thing in between, you won’t want to miss this holiday shopping market! Get together for your November girls day at The Well Holiday Marketplace! Visit thewellevent.ca for more information.
The Burlington Performing Arts Centre
The Burlington PAC is loaded with world-renowned performances all throughout November. Whether you love theatre, comedy, live music or children's performances, the centre may just have something for you. Plan your visit to this state-of-the-art facility located steps from the shore in downtown Burlington! Visit burlingtonpac.ca for event listings and ticket information.
Downtown Burlington
It’s holiday season in Burlington and there’s no better place to shop, dine and stroll! Walk to the peak of the Joseph Brant Pier along the shores of Lake Ontario followed by lunch at many fantastic downtown dining venues! Sip on a cup of exotic joe from several top tier coffee shops near the lakefront. Hold hands along the beach boardwalk and browse the boutique shops for holiday exclusives.
Royal Botanical Gardens RBG Fest of Ales
December 6 and 7, 6 - 10 p.m.
The holiday season will begin to flow December 6 at the RBG! The celebration of Ontario`s independent craft breweries continues with the 4th annual Fest-of-Ales inside the botanical garden venue. Spanning over two nights, patrons can try some of the best beer around Burlington! Entrance to the event includes your own mug, six five-ounce samples and access to the brewing experts. Enjoy DJ sounds and craft beer at this Fest of Ales.
Visit www.tourismburlington.com/virtual-tours/ for all sorts of festive family fun this November in Burlington!
If you want to learn more about Burlington and Hamilton and the wonderful properties available in these communities, contact me anytime! Email me at mariongoard@kw.com or call 905-335-8808. I'd be happy to help you on your real estate journey!
- Tuesday, October 9, 2018
- Marion Goard
Hamilton is loaded with events throughout October. The lead up to Halloween is filled with family fun all around the city. Grab tickets to a “whole new universe” or the Royal Botanical Gardens this October in Hamilton.
Marvel Universe Live
October 18 - 21, FirstOntario Centre
Marvel fans won’t want to miss this new family entertainment experience. Vast 3D video projection mapping, motorcycle stunts, fight schemes and pyrotechnics ignite all sorts of energy into the crowd at this live action event! Become a part of multiple performances over three days at FirstOntario Centre, downtown Hamilton. Watch lowly villains square off against heroes: Thor, Hulk, Black Panther, Iron Man and more! More information can be found at www.coreentertainment.ca
The Great Pumpkin Trail
October 25 - 26, Royal Botanical Gardens
Tour Hendrie Park and take in hundreds of beautifully carved Jack-O-Lanterns dotted along the South Bridle Trail within the Royal Botanical Gardens. Face painting, pumpkin themes, activities and games await patrons at this ticketed event.
Downtown Hamilton Ghost Walk
October 25
“Strangest stories in the Haunted City” winds patrons through the core of Hamilton with tales surrounding places and events in steel town history! Hamilton Place Theatre, Pigott Building and other secret ghost locations spook those who dare take the stroll. Visit www.ghostwalks.com or call 855-8GHOSTS.
October fun at Westfield Heritage Village
Don’t miss Pumpkin Sunday, October 21 at Westfield Heritage Village. It’s fun for everyone with this pumpkin-themed Sunday featuring demos, crafts and activities. Bring the whole family to Autumn Sundays every week in the village 12:30 p.m. - 4:30 p.m. Get spooked at Haunted Halloween happening October 26 and 27 and explore the grounds by lantern and find out what’s really going on under the moonlight at this Rockton thriller from6:30- 9:30 p.m. Visit www.westfieldheritage.ca.
- Monday, October 1, 2018
- Marion Goard
The City of Burlington has plenty in store for residents in the lead up to Halloween and other exciting October events!
Tony Danza: Standards & Stories
October 19, Burlington Performing Arts Centre
This Taxi and Who’s The Boss legend brings his timeless persona to the stage in downtown Burlington. Joined by a four-piece band experience, Tony performs some of Broadway’s biggest numbers in the main theatre at Burlington PAC.
Capturing Pablo Escobar: An Evening with Javier Peña and Steve Murphy
October 26, Burlington Performing Arts Centre
Learn more about the DEA special agents behind the infamous capture of drug lord, Pablo Escobar. The real cops behind the hit NETFLIX series ‘Narcos’ tell their story live in Burlington this fall! This dazzling multimedia presentation and Q&A with the lead investigators will rivet patrons at the Burlington PAC October 26, 8 p.m. - 10 p.m.
Toddler Days - Halloween
October 25, Ireland House Museum
Toddlers four and under are encouraged to drop by dressed in costume October 25 from 10:30 a.m. - 12:00 p.m. for all sorts of Halloween fun! $5 per child, adults are FREE, at this pre-registration event in Burlington. Call the Ireland House Museum at 905-332-9888
Sticky Banding Demonstrations
Residents in Burlington may have come across growing Cankerworm populations. This native leaf-eating caterpillar, damages a widespread range of trees but prefers Oak trees especially. Find out ways to keep your curb appeal safe from this pesky garden pest. Learn to create a “Sticky Band” around your shade trees and keep Burlington’s streets healthy. Visit https://www.burlington.ca/en/index.asp for times and dates!
Ottawa Senators vs. Vegas Golden Knights - Rogers Hometown Hockey
October 27-28, 426 Brant Street
Ron MacLean and Tara Slone set up at 426 Brant Street in downtown Burlington for Rogers Hometown Hockey! Enjoy two days of live entertainment and activities. Bring the family down to watch the Senators take on last season’s Stanley Cup runner-up, the Vegas Golden Knights at the outdoor viewing party on October 28 at 7:30 p.m.!
Burlington is once again loaded with a host of events helping families celebrate all through harvest season, October!
- Wednesday, September 5, 2018
- unknown
Doors Open Burlington isn’t your typical small town “Doors Open” event. Although a blooming city, there are more than a handful of heritage homes and possibly an old jail. Doors Open Burlington highlights heritage sites, noteworthy builds, and interesting homes. Visit www.doburlington.com to plan your day on September 29.
Featured Sites
A host of special activities at more than ten sites will take place across the city. Visit venues such as Halton Mosque, East Plains United Church and the Holy Sepulchre Catholic Cemetery to make it a spiritual Saturday in #BurlON!
The Art Gallery of Burlington, Nickel Brook Brewing and Ireland House Museum are popular stops for craft beer lovers and artists this September!
The Skyway Wastewater Treatment Plant at 1125 Lakeshore Road is perhaps Burlington’s most in depth Doors Open experience. This massive facility is able to process 56 Olympic size pools of water everyday into Hamilton Harbour. This tour is 12+ recommended and pre-registration is required. Visit www.doburlington.com for more on the Skyway Wastewater Treatment Plant
Sponsors and Partners
Doors Open Burlington would not be possible without Hamilton/Burlington Society of Architects, Arts & Culture Council of Burlington, The City of Burlington, Culture Days and many more sponsors and partners. To become part of this Halton Region, Doors Open Ontario Heritage Trust event or to volunteer visit www.doburlington.com
Doors Open is a great way to spend the day in the community. Learn about intriguing practices behind city run facilities, museums, galleries, and holy centres dotted around this historic lakefront community.
Contact me anytime to find out how I can help you on your real estate journey! Email me at mariongoard@kw.com or call 905-335-8808.
- Wednesday, August 15, 2018
- Marion Goard
Burlington is sizzling this summer with all sorts of free and exciting events that will keep folks of all ages entertained. Whether you’re looking to dance, twist, or shout, downtown Burlington is without a doubt hosting some great events!
Jazz on the Plaza, The Burlington Performing Arts Centre
August 11 and 12, 4 p.m. - 8 p.m.
Don’t miss two-time JUNO-nominated musician Shirantha Beddage, a baritone saxophonist, composer and educator from Toronto. The Mike Downes Quartet caps off this FREE jazz event in downtown Burlington. There is nothing like original live jazz performances under a clear summer sky. Prepare to dance the night away at Jazz on the Plaza this August in Burlington!
The Rotary Club of Burlington Ribfest, Spencer Smith Park
August 31 - September 3
Burlington is home to the nation’s largest Ribfest! Canada’s Largest Ribfest, hosted by the Rotary Club of Burlington, lights up Spencer Smith Park from August 31 - Sept 3, Labour Day! This is the perfect end of summer event for locals and Halton regional residents. Let the kids forget about school for one last afternoon and you don’t even have to cook! It’s a win/win at Canada’s Largest Ribfest since 1996. For more information surrounding Ribfest visit http://www.canadaslargestribfest.com/
Gimli #489 Golden Rescue 5K Run/Walk Spencer Smith Park
August 18
This first time event is a run for rescued retrievers and dogs in need. The event takes place at Spencer Smith Park at 8 a.m., Saturday, August 18 in downtown Burlington. Dogs can join their owners and make friends at this great fundraiser for pets! Contact Kelly Arnott (905-512-2488) for more information.
Children’s Festival Spencer, Smith Park
August 19
The City of Burlington Children’s Festival is a top 100 event in Ontario and another great reason to live in the city! The downtown park turns into everything a kid could ever want. Games, activities, magic, face-painting, live performances and so much more! Be a kid again at this late summer festival at none other than Spencer Smith Park.
Open House - Taoist Tai Chi, 3390 South Service Rd.
September 6
Try something new this September! A free demonstration of Taoist Tai Chi will happen Thursday, September 6 at 3390 South Service Road in Burlington. Learn more about Tai Chi by interacting with instructors and find out how to join a beginners class. Contact the Burlington Branch - FLK Taoist Tai Chi at 905-634-4990 for more information.
Burlington is a top tier location without a doubt. A fantastic shopping scene, a beach, assorted types of real estate and restaurants plus, all sorts of huge free festivals!
Contact me anytime to find out how I can help you on your real estate journey! Email me at mariongoard@kw.com or call 905-335-8808.
- Tuesday, July 17, 2018
- Marion Goard
The City of Burlington is constantly rated as one of the top Canadian cities to live in, according to many media outlets, including MoneySense Magazine. Finding the perfect neighbourhood isn’t too difficult for those wanting to move to this Halton Region hotspot. The following areas are some great communities to consider.
Elizabeth Gardens
Elizabeth Gardens is the city’s most easterly neighbourhood and borders alongside Oakville. Lakeside and Lakeview properties give home buyers a taste of lakeside life. There are six different schools and many styles of homes for young professionals and families to call home. Getting away from work life with a late night stroll or bike ride along the shoreline is another added benefit to living in Elizabeth Gardens. Situated along Lakeshore Boulevard and minutes from the 403 makes a commuter’s lifestyle very convenient.
Aldershot
The city's largest neighbourhood and the most mature neighbourhood is receiving a facelift along Plains Road and a lot of future revitalization will be coming to the area. The GO Station at the entrance to the neighbourhood gives Aldershot tremendous appeal for professionals that need to get in and out of the city. Just east of Hamilton, Aldershot boasts six schools and is well equipped for recreation. Lasalle Park has everything from lawn bowling, baseball diamonds and sports fields to a splash pad, marina and lakefront trails. This sensational neighbourhood is also home to the Royal Botanical Gardens (RBG) which gives people of all ages a place to visit on rainy days. RBG runs many programs and camps throughout the year. Aldershot is the perfect westside Burlington neighbourhood for home shoppers!
Roseland
One of Burlington’s top tier neighbourhoods, Roseland is in the heart of downtown on the shoreline of Lake Ontario. This beautiful, historic community is also home to six schools with the median home average retailing for $1.4 million for detached homes to $600,000 for attached homes according to www.burlingtonneighbourhoods.com.
Burlington has a wide range of options available for home buyers in today’s market. A little bit of research and a casual stroll around the city will make anybody fall in love with their neighbourhood of choice. Whether it’s the newly renovated boardwalk and pier, the fabulous downtown, or the abundance of recreation and conservation there are lots of things to love about Burlington!
Want to know more about the Burlington area and the exciting listings that are currently available? Contact me by email at mariongoard@kw.com or call 905-335-8808.
- Monday, July 9, 2018
- Marion Goard
Living in Halton Region has lots of perks…and one of them is being able to see high profile professional golfers tee off at the RBC Canadian Open! Glen Abbey Golf Club in Oakville will play host to the PGA tour Canadian National Men’s Open for the 30th time. The Club Link course at Glen Abbey was designed by seven-time runner-up and golf legend Jack Nicklaus. This year’s tournament runs from Monday, July 23 - Sunday, July 29.
Pro-Ams
This year the RBC Canadian Open will host two professional-amateur tournaments. The Canada Day Pro-Am will tee off July 23rd at 12 p.m. and will consist of Canadian golfers and celebrities! The RBC Championship Pro-Am will be held on July 25 with 52 teams competing. These shot-gun start tournaments will tee off from the first and 10th hole giving fans an up close and personal perspective at some of their favourite players and celebrities! Proceeds from the Pro-Am benefit the Golf Canada Foundation and help support the developmental pathway to Team Canada and the Young Pro Program.
Championship Rounds
The field has yet to be determined for the Canadian Open but the first two rounds are a shotgun start from both the first and 10th hole. Once the cutline is determined after the first two rounds, rounds three and four will be scheduled according to individual scores. The Sports Network, The Golf Channel, Global Television and CBS will all broadcast the event. Watching the golfers on the sidelines is exciting and is a great opportunity to stroll Glen Abbey’s beautiful grounds!
Special Events
All through the week, there’s something different happening. On top of all the professional golf, all sorts of wonderful entertainment lay between the links. Back again this year will be ‘The Rink’ for the Canada Day Pro-Am. The 7th hole will be outfitted with hockey boards and a Zamboni. Additional bleachers and viewing decks allow ticket holders a rare, fun and exciting glimpse of the par three hole. Don’t miss Red and White Day, July 27 when everyone is encouraged to wear red and white and Canadian Flags will be handed out at the front gate. Canadian Armed Forces Day, presented by Commissionaires, will be held July 26 giving current and former members of Canada’s Armed Forces free access for the day with upgraded venues when they pre-register. Foodies will not want to miss all the Food Trucks present all week!
Watch some golf, spot your favourite pro golfer and shop the spectator village; it’s all happening at the RBC Canadian Open this month in Oakville.
- Monday, June 18, 2018
- Marion Goard
The city of Burlington lays at the foothills of the Niagara Escarpment and is surrounded by conservation areas, vineyards and Lake Ontario. Credit Valley, Halton and Hamilton Conservation Authorities all have sites near Burlington. Bronte Creek Provincial Park and the Bruce Trail also provide residents with fun and picturesque nature areas to further explore around Burlington.
Hop on the Bruce Trail at Limehouse Conservation Area in Halton Hills. This area (with admission paid by donation) is great for bird watching and walking the dog. Open daily, from sunrise to sunset, come see the historic structures at Limehouse Conservation Area, 12169 Fifth Line, Limehouse, Ont.
Visit “Scotch Block Winery” on 10th Sideroad just outside Milton and view the escarpment as never before and even enjoy a wine tasting. Pop into the farm in the heart of Halton and try free samples and maybe find dad’s Father’s Day gift! Visit http://scotchblockwinery.com/ for this Milton vineyard’s full wine list.
Kelso Conservation Area, immediately north of Burlington, has changed over from a nordic to summer playground. Camp, boat, rock climb, mountain bike and more at one of the most breathtaking vantage points of the escarpment there is. Visit Halton Parks online for information about all of their parks as well as upcoming events at http://www.conservationhalton.ca/parks.
Sitting between Oakville and Burlington, Bronte Creek Provincial Park is another year-round venue for outdoor enthusiasts to take up their hobby. This provincial conservation site has a 50m deep ravine, disc golf course, children’s farm, heritage Spruce Lane Farm House (c. 1899) with loads of interactive programs and of course, not to be forgotten is the huge outdoor pool. Sign up now for Ghost Walks happening at the park this August. Visit https://www.ontarioparks.com/park/brontecreek for more on Bronte Creek Provincial Park.
Burlington is surrounded by the beautiful escarpment and conservation sites, beaches and parks — discover it this summer!
Want to know more about the Burlington area and the exciting listings that are currently available? Contact me at mariongoard@kw.com or 905-330-5201!
- Monday, June 4, 2018
- Marion Goard
According to MoneySense Magazine Burlington is consistently a top-ranked mid-sized city in Canada, and part of the reason why is because of Burlington’s easy access to nature and its proximity to outdoor adventure! For newcomers to Burlington, you’ll find great outdoor destinations a short drive away – mainly, Bronte Creek Provincial Park, the Lake Ontario coastline, Burlington Beach and the Niagara Escarpment. Here are a few more spots and neighbourhoods to explore:
Elizabeth Gardens is an incredible neighbourhood bordering Lake Ontario. Burloak Waterfront Park is home to a splash pad for kids and great pier. Elizabeth Gardens is also minutes from Bronte Creek Provincial Park for even more nature-centric outings and family events. Many great franchise eateries and amenities can be found in one of Burlington’s most affordable areas, with plenty of options in housing!
The neighbouring community of Pinedale is great for young professionals who need to commute to Toronto or Hamilton – it’s within walking distance of Appleby GO station! After work, Pinedale locals have access to the many nature trails and forested areas all through the community. Take a bike path across Burlington after you’ve settled into your digs and really get to know the city. Also since it borders Oakville, Pinedale residents get some extra perks!
Alton Village is a tight-knit community in the city’s north east. Norton Community Park and the Alton Branch of the Burlington Public Library offer neighbours excellent grounds to bond. Cosy up by the library fireplace and share a conversation or gather in a driveway movie-night at the neighbour’s, all summer long in Alton Village!
Burlington has so many excursions – the best way to choose your favourite is to get out and explore the city you now call home!
- Monday, May 7, 2018
- Marion Goard
Burlington locals have plenty of opportunities to make mom feel celebrated this Mother’s Day. Enjoy many different kinds of outings with mom in Burlington, whether you take her lakefront, on the golf course, to a restaurant or out in the conservation. Showing your mom how much you love her shouldn’t be hard this May 13 in Burlington.
Bring mom out to buy a new grill at the Burlington BBQ Show May 12 and 13 at Central Arena. If she is in need of more than just a grill, general and landscape contractors will be onsite booking folks in for this spring and summer festival! Tour vendors and taste samples at this culinary festival for foodies and homeowners on Mother’s Day in Burlington.
Don’t miss the annual Mother’s Day Champagne Tea at Ireland House Museum in Burlington. This traditional tea party is usually booked well in advance, however, if Mom loves her tea perhaps you’ll be in luck this year. Three settings and traditional refreshments will delight mom after strolling this stunning heritage grounds located at 2168 Guelph Line.
If your mom has a green thumb, be sure to visit the annual plant sale May 12
at St. Christopher’s Church. Support the Burlington Horticultural Society and Open Doors at St. Christopher's while grabbing mom a gift for Mother’s Day!
Pop into the Student Art Exchange happening throughout May in Burlington at the Art Gallery of Burlington. Find all sorts of nifty gifts in the gift shop and tour this exclusive art exhibition in the heart of Halton!
Book a reservation downtown Burlington at a restaurant, walk the pier after morning breakfast or share a coffee after lunch along the shores of Burlington Beach this May with mom. Perhaps you’ll book her a tee time at Tyandaga Golf Course or tour the Royal Botanical Gardens this May 13—Mother’s Day, in Burlington!
- Monday, January 8, 2018
- Marion Goard
There is no better way to get cozy in the winter season than with a good book from the local library. The City of Burlington has seven public library branches dotted around the city. They offer more then just books too, with special events, arts and culture, community programs and many uplifting activities to help people from all walks of life. Visit the Burlington Public Library online and find something just for you at: https://www.bpl.on.ca/
If you've read a great book lately, get involved at the Burlington Public Library and recommend the next community read! One Book One Burlington brings people together through the power of one really great Canadian book. Planning for next year is currently underway and locals are encouraged to get involved. Suggest the title you think all of #BurlON should read in 2018! Eligible books may be fiction or non-fiction, written by a Canadian author, and published in the past three to five years.
Learn to sew, take in a movie, make music and gather around for family story time with the Burlington Public Library this January. View their online events calendar and find specific events catered to adults, youth, seniors, family, children and community. The library has a vast collection of books, music and movies as well as a plenty of digital archives. Burlington can't possibly be boring this winter with all this to offer.
Be sure to stop in at one of the seven branches of the Burlington Public Library this January!
Central Library: 2331 New St.
Aldershot: 550 Plains Rd. East
Alton: 3040 Tim Dobbie Dr.
Brant Hills: 2255 Brant St.
Kilbride: 6611 Panton St.
New Appleby: 676 Appleby Line
Tansley Woods: 1996 Itabashi Way