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Sunday, March 11, 2012

Why Work With An Agent?

 
Trouver le bon agent
Vous désirez trouver la bonne maison, le bon emplacement et ce, au bon prix - et vous désirez le faire rapidement avec le moins de problèmes possible. La meilleure façon d'unir tous ces éléments est de travailler avec un agent qui comprend bien vos exigences, vos délais à respecter et vos limites financières.
Pourquoi travailler avec un agent ?
Parce que vous économiserez du temps. Un agent peut dénicher avec précision les maisons rencontrant vos exigences et écarter celles qui ne les rencontrent pas.
Bénéficiez d'un négociateur d'expérience. Votre agent saura gérer avec soin vos propositions et contre-propositions, de façon à vous assurer le meilleur prix possible pour votre maison.
Obtenez l'information juste
Un agent connaissant bien le voisinage saura vous renseigner avec précision au sujet de la valeur immobilière locale, les taxes, la nature et les coûts des services et les aménités.
Et . . .
Vous pouvez toujours compter sur des conseils judicieux. Parce que votre agent est très familier avec le processus complet de l'achat d'une maison, celle-ci ou celui-ci est en mesure de vous conseiller au sujet de vos options légales et financières, ainsi que de vous recommander les services d'évaluation, d'inspection et de sous-traitance.



Finding the Right Agent
You want to find the right home, in the right location, at the right price - and you want to do it quickly, with minimum hassle. The best way to do that is to work with a professional realtor who understands your wants and needs, your time frame and your financial boundaries. 
Why Work with an Agent?
Because you'll save time. An agent can pinpoint homes that fit your needs and dismiss those that don't. 
Benefit from an experienced negotiator. Your agent will manage your offers and counter-offers, ensuring that you get the best possible price for your home.
Get the Right Information
An agent that knows the neighbourhood will give you accurate information on local real estate values, taxes, utility costs, services and amenities. 
And . . .
You can always count on great advice. Because your agent is familiar with the entire home purchasing process, he or she can advise you of your legal and financial options, as well as, recommend appraisal, home inspection and contracting services.

Buyers Say No To Fixer Uppers


In the overheated housing market of five years ago, buyers often felt they had to accept homes in woeful condition. But these days, most look at "as-is" properties and say, "No thanks."

 

 

Wednesday, March 7, 2012

Prepping before painting is paramount

Prepping before Painting is Paramount
An essential part of a painting project happens before you ever lay a brush or roller on the wall. The key is preparation.  Put in a little time and effort beforehand, and you’ll be rewarded with a professional looking finish afterwards.  Here are a few steps to ensure proper painting prep:

Patch & Repair
Fill small holes and hairline cracks with patching compound and sand when dry.  For larger holes, apply the compound in layers, making sure each layer is dry before applying the next.  For badly damaged plaster walls, apply a thin coat of plaster on top of the existing one by skimming, to achieve a nice, smooth finish.  Skimming is a bit of an art form, so don’t hesitate to get help from a professional plasterer.

A Clean “Canvas” is Critical
Just as you wouldn’t paint a picture on a dirty canvas, you don’t want to paint a room with dirty walls.  Remove dirt and marks by washing with mild detergent and water; grease marks with Trisodium phosphate (TSP); and floor wax build-up on baseboards with wax remover.  Mildew in damp areas such as bathrooms should be addressed and removed entirely.  Many find a solution of one part household bleach to three parts water works well.  Vacuum textured walls and ceilings to get rid of dust and cobwebs.
Prime the Walls
Paint primers help to ensure a professional-looking paint job. It increases the bond between the paint and the surface and it is particularly helpful to cover surfaces painted with semi-gloss or high gloss paints or bare surfaces such as wood, plaster or drywall. If you are painting with a deep colour, ask your local paint store to tint your primer with your paint colour. This technique will enable you to cover your walls quicker and with less paint.
Don’t Forget about the Outside!
Our outside walls don’t usually undergo the same scrutiny as our inside walls do, but spring is a great time to think outside the house!  Start by removing loose, peeling paint or dirt with a wire brush or power washer and repair and sand as needed.  Good quality surface preparation provides maximum durability, a must for outside paintwork. 
A fresh coat of paint can really improve the curb appeal of your home, and proper preparation will ensure the best return on your investment.

Monday, March 5, 2012

The importance of showing gratitude and appreciation




See what can happen when 19 second graders get to send home a real greeting card they created online to their parents, letting them know how much they're appreciated. Relationship Coach, Mitch Newman has created Card Therapy (using the Send Out Card system) in his practice working with adults, and has now turned the clock back to include kids and creating healthy habits and an attitude of gratitude at an early age!

 http://www.youtube.com/watch?v=Div0cN71xX0&feature=share

Send Out Cards is not just about building relationships for business. Most importantly, it can be used to share our feelings with special people in our lives....family and friends.

 
Send a card for free.  https://www.sendoutcards.com/dianelaflamme/

Sunday, March 4, 2012

The secret to stopping break-ins

Don’t pay thousands for pricey home alarm systems. Protecting your family from burglars is simpler than you think.
In the wee hours of a relatively sedate Tuesday morning four years ago, two thieves broke into Susan and Mark Kruckshunk’s home, located in one of Toronto’s supposedly safe East York neighbourhoods. The theft of their car and personal belongings was disturbing enough, but the fact that the couple, along with their six-month-old baby girl, slept upstairs as the thieves emptied their home—that was what really rattled the young parents.
Terrified, the Kruckshunks (we changed their names to protect their privacy) sold their home and moved to the other end of the city. “It was the only solution that would allow me to sleep at night,” explains Susan.

While the number of residential burglaries continues to decline—it’s down 45% from 1998—the fact remains that a break-in occurs every 90 seconds in Canada. No wonder homeowners struggle to find ways to protect themselves and their homes. The good news is that numerous studies show that burglary is predominately a crime of opportunity. And by spending just a few hundred dollars, you can eliminate that opportunity and make sure your house isn’t a thief’s next target.

Get a basic alarm system
According to one major alarm company, it costs just pennies a day to prevent a break-in. But the price of alarm services can quickly add up: A premium system will cost you $600 to install, plus $500 a year for monitoring. So the real question is: Are these systems really worth the money?
According to Simon Hakim, an economics professor at Temple University in Philadelphia, home security systems almost never catch burglars. After analyzing the data, Hakim found the average police response time to a triggered home alarm is between one and four hours: so there’s plenty of time for perpetrators to flee.

But despite the abysmal record when it comes to actually catching thieves, alarms can play a significant a role in preventing break-ins, explains Hakim. “When burglars see the alarm company sign out front, it reduces the odds that they’ll select your house to rob.” Even if a thief does break into a home equipped with an alarm, studies show they’ll often steal less and leave faster.
But let’s be clear: Hakim’s exhaustive study proved it wasn’t the alarm that was the deterrent, but the threat of an alarm. That means even the most basic alarm system will do the trick: good news for homeowners on a budget. Basic, security systems cost roughly $300 per year—just be sure to go with a large, reputable company.
Secure the easy access points
Even a $5,000 hard-wired alarm system with sensors on every door and window won’t prevent determined thieves from breaking in, explains William VanRyswyk, a former Ottawa police sergeant turned consultant and president of Security Through Safe Design.

To really deter thieves you’ll need to eliminate easy access to your home, and that starts with the basics: your windows and doors. As one convicted thief explained: “I always knock first. If you answer, I’ll ask for directions. If you don’t answer, I’ll try the door. Occasionally, I hit the jackpot and walk right in.” So yes, you should lock all your windows and doors at night and when you leave the house. You’d be surprised how many burglars just open a door or window and walk in.
Next, consider beefing up security at vulnerable access points, such as back doors and basement windows. Burglars may prefer easy access, but statistics show that eventually 70% will resort to force. For example, a $20 security bar can be added to a basement window to prevent access from the outside. If you’re unsure about which window locks to use, consult the Canadian Mortgage and Housing Corporation website.
Other ways to eliminate opportunity include closing your blinds and curtains at night so would-be burglars can’t scope out your belongings. You should also trim hedges so doors and windows are visible from the street. Finally, consider displaying alarm decals or “Beware of dog” signs in highly visible areas. According to Chris McGoey, a Los Angeles-based security consultant, these are cheap but extremely effective deterrents.

Always appear to be home
Some thieves will case out your home for hours to make sure no one is in when they rob you. The last thing they want is a scuffle. But most break-ins still occur while the owner is in—and it’s usually a surprise to the burglar.
In hindsight, Susan knows why her home was targeted. Even though they were at home, there was a pile of flyers on the front porch, no lights were on and the front hedge was tall and overgrown. It appeared the Kruckshunks were away on vacation, not asleep in their bedrooms, just steps away on the second floor.
The key, then, is to make it obvious your home is occupied—even when it’s not: use timers to turn lights and radios on and off. Call in a vacation stop on your newspaper. Keep your yard clean and maintained. A burgled home isn’t randomly selected, explains McGoey. If you just spend a few hundred dollars making your home a less desirable target, you can easily prevent a break-in that could cost you thousands.

 By Romana King | From MoneySense Magazine, September/October 2011

 




 







Friday, March 2, 2012

Highest and lowest rent cities in Canada

Trois-Rivieres

Rents vary. It depends on the size of the space, the condition, the neighbourhood and the community. It also depends on the vacancy rate - the percentage of apartments that are available to rent - and the demand to live in that city. We looked at the average price of a two bedroom apartment across Canada. Here are the five most expensive and five cheapest cities to rent in.
* Based on CMHC Rental Market Statistics in census metropolitan areas in October, 2011


Lowest rent cities:  Trois-Riveres          $547

While the highest rental properties are predominantly in Western Canada, the lower end of the scale is east of Ontario. Trois-Riveres, about half way between Montreal and Quebec, has the cheapest rent of major cities. Trois-Riveres peaked in the late 1960s with the establishment of the Unversite du Quebec a Trois-Riveres and the declaration of the old city as an ''historic sector.'' Since then it has faded in importance in comparison to Quebec and Montreal.


Sherbrooke          $577

In the heart of the Eastern Townships, Sherbrooke is home to eight post-secondary institutions meaning there is more than 10 students for every 100 permanent residents. So many students create a high demand for rental accommodation, of which Sherbrooke seems to have plenty of with the second highest vacancy rate on the list. While Sherbrooke used to be a major manufacturing centre, this sector has been hard hit.


Saguenay          $557

It may be because Saguenay is the last major urban area between Quebec City and the Arctic that has one of the lowest vacancy rates on the list, 1.1%. But its location may also explain why rents are a fraction of other centres with similar vacancy rates. You have to have a reason to be in Saguenay. Big draws include working for the aluminum giant Rio Tinto Alcan or one of the city's three hydroelectric power stations. 
 


Saint John          $670

Historically a major player in the shipbuilding industry, Saint John is an industrial town struggling to modernize. Shipbuilding ceased in 2002, but under the guidance of the Irving family there is still plenty of heavy industry including an oil refinery and pulp mill. It also houses a number of call centres established thanks to government incentives. Small neighbourhoods have been gentrified, but most of it remains a working class town.


Moncton          $715

Known as the ''Hub City,'' the underpinnings of Moncton's economy and, thus the draw to the city, is as a distribution, transportation and retail centre for the Maritimes. A number of regionally important companies have their head offices in Moncton. As a truly bilingual city, it has attracted call centres of many national companies including the Royal Bank of Canada, UPS and Rogers. 


Highest rent cities:  Victoria          $1045

Whether it is a Victorian house, a new condo or low-rise building, apartments are hard to come by in Victoria. Although it is the smallest of the expensive rental list, it attracts people because of its climate and beauty. As the capital of British Columbia, the government is also a drawing card.


Calgary          $1084

Although the oil sands are a long way away from Calgary, the offices of the oil companies are in Calgary. The spin off industries such as financing, sales and marketing are also based in Calgary. The demand for accommodation is obvious. What is surprising is it has the highest vacancy rate of all the top five rental cities.


Ottawa          $1086

There will always be a need for people in Ottawa. Unlike Toronto or Vancouver, Ottawa does not have as many high-rise rental buildings and, as a result, has relative fewer apartments. It's vacancy rate is tied with Vancouver for second lowest in the country. On top of that, there are all those embassy employees who are happy to let their governments pay a little extra so don't try too hard to negotiate the rent down.


Toronto          $1149

With the lowest vacancy rate in the country, it's not surprising that Toronto's rents would be so high. Still a major economic centre that draws people looking for work, the demand for apartments is high. Like Vancouver the condo boom has knocked down some of the cheaper rental accommodations in favour of high-priced condos. 



Vancouver          $1237

Vancouver, once a sleepy little city, surged on the economic rise of Asia and the take over of Hong Kong by China. For the last 20 years, low-income apartments have been replaced by fancy condos. With the downtown squeezed onto a small peninsula, there isn't much room for expansion so competition for the limited number of apartments drives the price up.



By Ijeoma Ross

Are rich people less ethical than poor people?

Rich people get a bad rap in pop culture. Think about movies like Wall Street (or the absolutely awful Wall Street 2), which paints financiers in a less than stellar light, or even The Devil Wears Prada, where the main character manipulates everyone around her in order to stay on top. These are only two examples of popular images depicting shady, unethical businesspeople. Is there any truth to the idea that rich folks are less principled? According to a new study, the classification is accurate.

Researchers at the University of California and the University of Toronto published results on Monday that showed rich people as more likely to engage in unethical behaviours like cutting off motorists, lying in negotiations, and cheating to win a prize. The study is based on a number of tests conducting on undergraduate students and adults. The findings were also consistent across all ages, genders, ethnicities, religions, and political associations.

In the first two tests, researchers looked at driving habits. They found that upper-class drivers were more likely to cut off other cars and pedestrians waiting at crosswalks. A person’s social class was determined here by their age, vehicle make, and appearance. Considering the number of people I know who live well beyond their means – and drive vehicles reflecting that - this seems like a subpar means of classifying people. In any case, those deemed poorer were more courteous on the road.

In another series of tests, researchers found that people who considered themselves “upper class” were more likely to take valued items from others. This included candy, even when they were told that the leftovers would be going to children. Is it possible rich people are really concerned about childhood obesity, and that’s why they don’t want to give candy to children? I mean, Michelle Obama is really into it – and she’s rich. Okay, probably not.

Unsurprisingly, affluent people were also deemed to be more unethical in their business dealings. Richer people were found to be more likely to lie during negotiations, and to cheat in order to win a prize. Researchers relate these behaviours back to the upper class participants’ more favourable attitudes toward greed.

"We found a trend that upper-class individuals -- people that have the most money, the most income, the best education and the most prestigious job -- have a tendency to engage in less ethical behaviour," said Stephane Cote, associate professor of organisational behaviour and psychology at the University of Toronto's Rotman School of Management. "This doesn't mean that every rich person will behave less ethically than any less-rich person... But we found a tendency. So if you look across people in a variety of settings, the higher-class people tend to engage in more unethical behaviour."

I wonder if people act more dishonorable because of their surroundings. When you throw a nice kid in with all of the mean kids, they sometimes come out being the cruelest one. I learned that from Mean Girls. In all seriousness, though, if everyone around you is unethical, perhaps you need to be a bit devious to get ahead. I’m not condoning these actions, but simply trying to wrap my mind around them. I would still give MY candy to kids.

The researchers were clear to point out that there are many examples of ethical rich people, such as Bill Gates and George Soros. In addition to philanthropy, they mention corporate whistle-blowing as an example of ethical behaviour. And they also note that lower-class people are often unethical, too. That makes sense, given the relationship between poverty and violent crime. 
What do you think about this study? Are rich people more unethical, or are poorer people less honorable? Which group would you rather do business with?

Brandon Miller   Mar 2, 2012

posted: 3:57 PM in Current Affairs, Personal Finance

Thursday, March 1, 2012

129 Ch St. Georges, Rigaud - For Rent


129 Ch St. Georges, Rigaud
Now for rent at $1,500/mo
MLS 8709277


Buffett: 'I'd Buy Up a Couple Hundred Thousand' Homes

Warren Buffett, the billionaire investor and Berkshire Hathaway CEO, said on CNBC's "Squawk Box" recently that he'd "buy up a couple hundred thousand" single-family homes if it was practical.
Buffett said that's because he believes purchasing a home with ultra-low mortgage rates and holding it for the long-term has become a better investment than stocks right now.
"Housing will come back, you can be sure of that," Buffett wrote in his annual letter to shareholders recently.
Buffett forecasts an increase in household formations, as more people who moved in with their parents or family members during the recession look to move out and get their own home soon.
"People may postpone hitching up during uncertain times, but eventually hormones take over. And while 'doubling-up" may be the initial reaction of some during a recession, living with in-laws can quickly lose its allure," Buffett said.
Buffett said the recovery in the housing market could vary quite a bit among local housing markets, however. He did not provide a timeline of when he expected a full housing recovery, admitting that his prediction last year that a housing recovery will take shape within the year turned out to be "dead wrong."

Daily Real Estate News | Wednesday, February 29, 2012 

Source: "Housing Market Forecast Beyond 2012 From Warren Buffet," International Business Times (Feb. 28, 2012) and "Warren Buffet on CNBC: I'd Buy Up 'A Couple Hundred Thousand' Single-Family Homes If I Could," CNBC (Feb. 27, 2012)

Tuesday, February 28, 2012

LOOKING FOR ~


If you are thinking of putting your home on the market, please call us. We have young families looking for homes in the Saint-Lazare area. These are some of the requirements: 
  • Saint-Lazare
  • 4 bedrooms & 2 baths
  • open concept
  • forced air heating
  • double garage
  • wood burning fireplace
  • minimum 2,400 sq feet living space
  • fenced in backyard is a plus
  • pool is a plus
  • quiet street
  • not near electrical pilones
  • newer well maintained home (preferably no renos)
  • budget is $400,000

Diane & Paul Laflamme
Royal LePage Village
514.715.4514

Monday, February 27, 2012

Check out Diane Laflamme on Goggle+


Check out the latest Real Estate News when you google,
Diane Laflamme on Goggle+



Paul & Diane Laflamme
Royal LePage Village
514.715.4514 


Sunday, February 26, 2012

Women as the breadwinners: Turning the traditional model of gender roles in marriage on its head

When Nicole Winchester has to work late from home, her husband Gary slips a hot meal between her and her laptop. On a typical week, he’ll do the shopping, the dishes and most of the cleaning. The laundry is also his domain, mainly because he likes it done just so.
Ms. Winchester hasn’t the time for (or admittedly, the interest in) the domestic sphere. She’s too busy as the breadwinner in their Toronto household, having brought home significantly more bacon as a television producer during their seven year marriage thus far.
He’s got the more flexible, albeit lower paying, job and therefore has more time for these duties, she said. He’s also relieved she has the education and work experience to be the high earner in their house — something that jarred Ms. Winchester at first.
“I was a little surprised because you always expect men to have that sort of issue, or at least you’re taught to expect that,” the 37-year-old said. “But Gary’s never had an issue with me making more money. He’s been like ‘If you make more money than me, that’s awesome — then we have more.’”
In the last few decades, women have come to gradually outpace men in education, with women making up 60% of university graduates in Canada, and in earnings growth, with the average total income for women in Canada increasing at nearly twice the pace of men’s. And as this outpacing across North America only seems to accelerate, working women are poised to eclipse men as the primary household breadwinners — a cultural shift that is changing the dynamics between husband and wife, turning the traditional model of gender roles in marriage on its head and even shaping the way younger generations view an institution at risk.
What happens in a new order that’s still in transition, when the hard won equality among partners is surpassed as mom rushes off to work while dad takes the kids to the playground, wonders Washington Post reporter Liza Mundy, author of the forthcoming book The Richer Sex: How the New Majority of Female Breadwinners Is Transforming Sex, Love and Family, due out in March.
“We want to marry somebody with the same degree set we have, we want equality and we want parity,” Ms. Mundy said in an interview this week. “It is sometimes, for some women, unnerving when they find themselves pulling ahead of their partner.”
Provided The cover of The Richer Sex: How the New Majority of Female Breadwinners Is Transforming Sex, Love and Family, by Liza Mundy.
She cites 2009 United States labour bureau data which shows the percentage of working wives who outearn their husbands has increased from 23.7% in 1987 to 37.7% in 2009 and that has likely increased since then because of the economic downturn, researchers say. In Canada, the proportion of wives who were primary household earners rose from 11% to 19% between 1967 and 1982 and continued to rise until about one in four, or 29% of households, were dual earner in 2003 —in many households, women were the big earners, according to the most recent figures. “The continued rise suggests that women in the role of primary breadwinner is not likely a temporary phenomenon,” Statistics Canada analysts Deborah Sussman and Stephanie Bonnell wrote in 2006.
Based on this incredible rise between 1987 and 2009, Ms. Mundy projects that by 2030, a majority of working wives and single mothers supporting their households will outearn the traditional breadwinning male. While men are still the top earners as a whole, today’s baby-boom executives will be retired in 20 years, she said, paving a clear path for the next generation of educated women.
Many of the women she interviewed for her book said they had harmonious homes — that of course times have changed and the household is run by pragmatics: Whose career is taking off, who has the highest earning potential, who actually likes cooking and cleaning and making the beds? They’d figure it out, and the house would run smoothly from there.
But some tensions were impossible to ignore: Sure, men had their insecurities, but the ones women expressed were most interesting, Ms. Mundy said.
“It can be disconcerting, even if you’re proud of it,” she said. “Some women don’t want to get trapped as the primary breadwinner. They feel they’re going to lose flexibility and choice in their lives — maybe if they want to stay home with the kids it’s going to be less feasible? They are getting their head around the idea that they’re providing.”
One woman told Ms. Mundy she had lost her feelings for her husband after she went to work and he became the caregiver at home, saying she “respected him less as a man.”
“I interviewed this one really progressive feminist who admitted ‘Sometimes, I know it’s wrong, but I just had these spasms of thinking ‘It’s my money, not our money,’” Ms. Mundy said.
Ms. Winchester admits to feeling that way too sometimes. She and her husband have been paying down debt, but when she wants to buy something for herself, she can feel a fleeting wave of resentment that she cannot.
“I know it [seems like a] childish thing, but at the same time I’m thinking ‘I make the money, why can’t I buy an iPad?’ That was my thing — if I make this money, why can’t I go out and buy a computer if I want to?”
 http://news.nationalpost.com/author/sboes/