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Get ready for the holiday season with these decorating ideas



There’s nothing like some colourful and fun Christmas decorations to get in the holiday spirit. So, is this the year that you add to your regular light display with some extra touches? Why not welcome visitors and the season with some simple decorating ideas for your yard and porch.


The following are some fairly easy and inexpensive ways to capture a bit of the season with a smidgen of festive outdoor décor.



Start with a wreath: Wreaths are great because they offer so many variations. From greenery to tree decorations to pictures and other artifacts, there is a lot to choose from. Most wreaths start with a metal frame, that can be purchased or made from coat hangers, or the frames can be fashioned from cardboard or foam. You can even use branches or grapevines to form a circular base. Attaching things to the frame can be done with thin wire or a hot-glue gun. Metal frames tend to be sturdy, perfect for attaching greenery; foam frames are lighter and can be a little less awkward. From baubles and pinecones to photos, ribbons and painted leaves, a wreath adds spark and colour to any entryway. 


Front porch planter: Gather some greenery and red ribbons and berries and you’re halfway there. Pull the summer pots out of storage, fill with new dirt, give a little watering then poke twigs and branches in. Drape some little lights around or over the creation and you’re good to go!


Mason jar luminaries: Easy-peasy and so very pretty. Collect some jars and fill with strings of LED fairy lights. Or fill varying sizes with some with white sand, a sprig of holly and flickering LED tealights. If you’re feeling really crafty, paint some jars different colours, pop in a tealight and place them along your porch stairs or walkway. The only limit is your imagination.


Window decorations: Approach from inside or out and have some fun! Hang decorations from a string, attach stickers, decals or snowflake cut-outs, drape with boughs of cedar and holly. Why not hang a string of holiday cards for all to enjoy looking at?


Decorate your outdoor trees and shrubs: Who says ornaments need to stay on trees in the house – why not include your shrubs and bushes in the fun? But leave the tinsel inside in case birds mistake it for food!


A few other ideas: Use everyday items for colour and interest, such as a string of mittens and toques; old skis and sled. Wrap some empty boxes, and don’t forget to put ribbons on everything. You may even want to make some seasonal pillowcases for your outdoor summer cushions and toss them around the entryway.


Get creative, involve the kids and grandkids and have fun!


For more information on this and other house-related topics, please get in touch or check out the blog section of my website. And don’t forget to visit my Facebook page to see the latest Comox Valley listings.

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Get your calendar out and start planning


I know, it’s hard to believe it’s that time of year already! But don’t worry, with all the wonderful Christmas craft markets in the Valley, at least shopping for gifts will be a breeze.


Numerous options exist – so let’s start listing them, so that you can start planning!



Christmas at the Lodge and Holiday Market

Go back in time and join the folks at the Filberg Lodge for a classic Christmas in the Park. Your seasonal shopping will be done in a jiff as you check out a host of fine artists and plenty of gourmet gift ideas. The event takes place over the last weekend of November on the 30th and December 1st, and entrance is FREE. Enjoy festive treats, baking, music and Christmas tree decorating. Fun for all ages, kids’ activities will be available each day and Santa may even be stopping by. There is light lunch fare, seasonal treats along with wine and beer will be available in the “Summer Kitchen.” With more than 30 vendors, food and entertainment, there is sure to be something to please everyone.


Stagnhare

As one of the only juried markets in the Comox Valley, they take great pride in having a fabulous array of artisans. In fact, there are 50 of them! The Stagnhare Christmas Market is a boutique curated market full of amazing local artists and crafters. This year, there is a ticketed VIP event on the Saturday night featuring a glass of champagne/mulled wine, charcuterie from Tria Fine Catering, cupcakes and a market tote bag for all your shopping goods! Tickets are $20 and available at www.stagnhare.com. Sunday hours are 10-4 for the public market, which includes a drink ticket for Coffee/tea/or hot cocoa. Kids 12 and under are free. 


Gnarly Little Christmas Craft Fair

Come see the great stuff youth are making and selling! Tackle your Christmas shopping Sunday, December 1 at the 11th Annual Gnarly Little Christmas Craft Fair. Courtenay Recreation’s LINC Youth Centre is hosting the fair at the Native Sons Hall from 10 am - 2 pm. Every year the craft fair showcases talented youth aged 9 -19 years. Many vendors will be selling their wares including baking, art, crafts, woodwork, jewellery, stocking stuffers and more. For more information, or to register a table (ages 9-19 years), call the Courtenay Recreation Lewis Centre at 250-338-5371.


Fiesta World Craft Bazaar

This is a Valley favourite! Held at Courtenay’s Filberg Centre, this year’s annual market takes place on November 16th & 17th from 10 am to 4 pm both days. For only $2 admission, you can support more than 50 local and global organizations and businesses selling fair-trade products. These vendors work directly with artisans in Africa, Asia and Central and South America. From Christmas ornaments to Tibetan carpets, books and posters, games and toys, clothing and jewellery, plus the opportunity to eat some delicious ethnic food, there is plenty to enjoy!


Country Craft Market Trail

Occurring on Saturday, November 30th, head up Highway 19A and follow the country trail and hit four markets along the way. With so many delightful crafts from numerous vendors, your Christmas shopping will be done in a day!

Big Yellow Merville Hall Christmas Craft Fair at 1245 Fenwick Road from 9 am to 2 pm.

Grantham Hall Yuletide Craft Faire at 6040 N Island Hwy, 10 am to 2 pm.

Black Creek Winter Market at 2001 Black Creek Rd, 10 am to 4 pm.

Halbe Hall Christmas Bazaar 8369 N Island Hwy, 9 am to 2 pm.


Denman Island Christmas Craft Fair

Another crowd-pleaser, this market happens November 30 and December 1 from 10 am to 4 pm. Free admission plus a free shuttle make this worth the effort. Over 75 vendors will be taking up space in two halls. Enjoy this feast for the senses that celebrates community and offers a proud alternative to mass production. Innovative newcomers mix with world-class artists, including some of the original founders, now seasoned artisans who inspire, teach and mentor the up-and-coming generation. 


Oh, and then there is the regular Comox Valley Farmers’ Market, which takes place at the Native Sons Hall on Saturday mornings up to Christmas.


So many places to choose from! Why decide? Hit them all!


For more info on living life in the Comox Valley, visit my website or my Facebook page. And for specific real estate questions, please feel free to get in touch!

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Plenty of options to get your flow on

Oh my. Thanksgiving is over, Halloween is around the corner and then we all know what comes next . . .


But let’s not go there quite yet. In fact, let’s go somewhere else entirely – say a nice, quiet space where we can just breeeaathe. Maybe a place where we will feel welcome and our stress and worries melt away with some gentle movement and soothing music. Doesn’t yoga sound good right about now?


And in the Comox Valley, we’re blessed to have so many possibilities from which to choose. Following are just some of the options open to those who are ready to relax, strengthen, unwind or get flexible. I haven’t had the opportunity to try them all, but it’s a handy reference for options around the Valley. Simply click on the links to get to info on the various studio locations and classes.


Yoga in Courtenay

Holy Cow Yoga Studio: So convenient and so much to choose from – this studio is located on Cliffe Ave at the corner of Fifth Street. Drop-in or buy a pass.

Eden Therapy Clinic and Studio: This massage clinic also offers yoga classes designed with gentle and restorative movements in mind; anyone is welcome to register.

In-Yoga: Based out of Ki Fitness and Health in Tin Town, In-Yoga welcomes everyone and anyone to their studio to enjoy their variety of classes.

Studio IPF: Down near Cliffe and 13th, these folks have many options for all levels. Their qualified instructors will help you reach bliss no matter where you are on your yoga journey.

Bee Yoga: What a great space! Located out on Piercy, this yoga centre offers classes in a meditation and yoga barn. Definitely a special spot to unwind.


Comox yoga studios

Core Exercise Studio: These beautiful people just want you to stay happy, healthy and moving. No matter where you are physically, there are exercise and movement options here.

Nourish Wellness: Located in central Comox, in addition to yoga classes, Nourish offers meditation and other mindfulness-based practices, including speakers and workshops.


Cumberland/Royston yoga options

Starfish Studio: Part of the fabulous Kingfisher Resort, this studio is beautiful and offers a full gamut of classes for all levels and interests. 

Cumberland Yoga and Physio: While the schedule is a little thin this fall due to the owner’s recent maternity leave, there are occasional classes and more will inevitably come along, so get in touch to find out details.

Mocean Yoga: Located in Royston, these lovely ladies offer retreats, training, private and group lessons.


Plus, most of the local recreation centres and many of the gyms also have classes catered to various levels and abilities.


Now there’s no reason to feel tight and tense this holiday season. Namaste!


For more info about living in the Comox Valley, please visit my website. And check out my Facebook page to see all the latest local listings.

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Yes, and here’s why! Plus, tips to sell your home this fall

 

Maybe late spring/early summer is the most popular time of year to list, but that doesn’t mean listing at other times is a bad idea.


Sure, those longer days and nice weather do make house-hunting more appealing, but other things also come into play.


So, is this fall a good time to list your Comox Valley home? Short answer: yes, it is!


Advantages of a fall listing

You’re trying to sell in the fall because you are serious. People who are looking in the fall are also serious. And serious buyers are typically motivated to purchase quickly in the autumn before the busy holiday season and even more inclement weather sets in. Plus, the cooler, darker seasonal atmosphere helps to make your home feel that much warmer and more welcoming.


Despite the common notion that most buyers are shopping to fit with their kids’ school-year schedules, more than half of buyers don’t even have children under 18 at home. Therefore, fall works as well as any other time of year for them. Not to mention that the internet has no seasons. People can browse to their hearts’ content anywhere, anytime.


In terms of showing, in early fall there is still enough light to do weeknight showings, in addition to weekend open houses. And curb appeal is less “in your face” and more laid back than other times of the year. Even though the falling leaves can get messy, it’s the same issue for everyone who is trying to sell at this time of year. Just keep things tidy and buy a potted plant or wreath for the front entry.


Finally, because there are fewer listings in the fall, the competition isn’t as great, which can make selling easier.


Tips to help sell your home this fall

The sooner the better. It’s easier to sell in the fall than in December and January, when weather and holidays really come into play and can limit availability of buyers, agents and lenders. Once you’ve decided to sell, it’s a good idea to get prepared for listing as soon as possible.


Photograph while you still have some leaves. Again, the sooner, the better to have your professional real estate pics done. The natural light is stronger earlier in the season, and the yard typically is neater and more interesting with better colour variation.


Work with a proven professional. An established agent with good contacts will be at an advantage during this slower time of year. Ensure they have some experience and knowledge about selling off-peak.


Ensure the price is right. Use neighborhood comparisons and your agent to find the right price. Don’t expect multiple-offer situations that’ll drive up the price. Just as importantly, don’t feel obligated to accept low-ball offers.


Market outside the box. Focus on the area and the neighbourhood not just the house. What is it that makes your home unique all year round?


The take-away for listing in fall

Most importantly, talk to your realtor about where things are at in the market and where they are going.  Your realtor will let you know how things are doing in terms of specific trends and the local supply and demand. Realistically, season-to-season housing prices don’t tend to increase or decrease significantly – that’s more of a longer-term trend.


In the Comox Valley, regardless of the time of year, there is always plenty to do from skiing and hiking to golfing and hanging at the beach. And because of our relatively temperate weather compared to the rest of the country, plus decent demand from older buyers who don’t need to wait for the end of the school year before buying, it’s always a good time to list.


As always, if you have any questions about moving in or out of the Comox Valley, feel free to contact me  or visit the blog section of my website. To find out more about Comox Valley real estate opportunities, view MLS listings on my website or follow me through Facebook.  

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When was the last time you went dining in Cumberland?


Whether you are looking for something a little fancy or more along the lines of cozy and casual, the Village of Cumberland restaurants will treat you right. A nice assortment of options awaits on, or just off, Dunsmuir Avenue. So, figure out what you have a hankering for and head west.



4 Quarters Restaurant opened in Summer 2017 and has established a reputation for quality food and good service. Offering a mix of classic and contemporary Italian, Greek, Finnish and Indian cuisine prepared to the highest standards, they’re also fully licensed.


Biblio Taco is a crowd-pleaser. Injecting a West Coast influence into Mexican favourites, food is made from scratch, using local meats, fish and fresh produce. Even the hot sauces are made fresh in house. Simple and so, so good!


Riders Pizza knows how to do pizza right. As they say, they offer a “blend of Old-World craft and New-World flavours.” Hand-shaped, hand-tossed dough loaded with both classic and innovative toppings, baked for a full 20 minutes. Perfection!


The Waverly Hotel provides pub fare with attitude. Lots of things to choose from and plenty of healthy options. People have ridden their bikes a long way just to have some of their Thai curry, not to mention Wednesday’s burger specials.


Cumberland Brewing Company always has a good vibe – and they have good vittles, too. Chili, pork tacos and falafels are some of the favourites. Plus, the beers are like a meal in themselves.


Not planning a dinner out but thinking more lunch, tea or coffee? The hits just keep coming with The Wandering Moose, Tarbells Deli and others.


One thing – some places are closed on Monday, some on Tuesday and some on Wednesday (and some close at 4:00 p.m.), so you may want to call ahead or check websites if you are going on a weekday.


But wherever you go, know that you’ll be satiated and satisfied.


For answers to all your questions about living in the Comox Valley, please visit my website. And check out my Facebook page to see all the latest local listings.

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What’s better? Pros and cons

You sold your house and bought a new home! Yay!


Now you have to actually move your stuff. Boo.


There’s no way around it, part of buying and selling a home is the whole “moving thing.” It costs money, takes time and, frankly, is a lot of work. But it has to happen. And one of the first decisions you need to make is whether you should hire movers or do it yourself.


It seems everyone has a “moving disaster” story as well as an opinion on how to do it. But the reality is, the decision to DIY or not is unique to every situation and depends on numerous factors, including the distance and timing of the move, the number of belongings involved, safety, costs and availability of help.


So, if you’re thinking of making a move and not sure how to approach it, following are some pros and cons to consider.


The do-it-yourself move

Typically, when you move this way, you’ll gather boxes, pack them up yourself, load them into your own vehicles or rented truck and then unload and put away everything at the other end. It’s the least expensive option and straightforward but can get more complicated if distance and lack of free help are issues.


Pros:

  • You’re in charge of everything
  • Costs less than other options
  • You control the timeline

Cons:

  • You’re in charge of everything
  • It’s a lot of work
  • Rental costs and time invested can add up
  • Large items can be a challenge


If you’re leaning towards this option, ensure you have the right equipment and necessary help. Invest in good packing materials like duct tape, bubble wrap and wardrobe boxes. Does the rental truck come with a dolly and a ramp? And line up helpers well in advance, calling upon different people for different stages. Your mom is probably better suited to wrapping the teacups a few weeks prior to moving than lifting the boxes of records on the day. Factor in additional costs like insurance, gas and pizza and beer. Come up with a realistic plan and timeline.


Hiring a moving company

Professional movers can do everything from packing boxes and transporting items to unpacking belongings and getting your TV working at your new home. Of course, you pay for the convenience.


Pros:

  • Less work
  • Less stress
  • Belongings are insured

Cons:

  • Their timeline
  • They are in control
  • More costly


If outsourcing is starting to sound good, make sure you start by asking for referrals from friends, family and your realtor. You may even want to check with the Better Business Bureau to see if any companies should be avoided. Get detailed quotes from two or three movers, ensuring to ask about insurance and minimum charges. Find out whether packing materials cost extra or if you can do the packing part yourself? What about big or specialty items like pianos, electronics and appliances – how are they handled?


No matter which route you take, the day will come, and it will get done.


Even though cost is a big determinant, remember that your family’s safety and well-being is most important, so don’t push yourself too hard.


As always, if you have any questions about moving in or out of the Comox Valley, feel free to contact me or visit the blog section of my website. To find out more about Comox Valley real estate opportunities, view MLS listings on my website or follow me through Facebook.  

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Options for every age and skill level


Music is a big part of life for many of us – it allows us to create, explore and experience different emotions.

And playing an instrument engages us even further.


From stimulating and strengthening our brains, improving memory and reading skills, to building social connections, self-discipline and patience, the benefits of music education – at any age – are undeniable.


The Comox Valley is fortunate to have many excellent music educators. Following are some of the local options for those looking to add a little rhythm and harmony to their life.



Motif Music Centre – located in the Tin Town area of Courtenay, Motif offers piano, violin, cello, voice and theory as well as the Kindermusik program for young children. Their wonderful teachers create an environment that is both nurturing and inspiring.



All Keyed Up Music Lessons – offering private, semi-private and group lessons, the folks at All Keyed Up work with all ages and skill levels. Piano, recorder, theory, ukulele, drums, voice and Spanish & classical guitar lessons are available at the Minto Road site.



Long & McQuade – all moved into the fancy new location at England and 10th in Courtenay, Long & McQuade has plenty of room and instructors. Offering lessons in piano, theory, banjo, bass, guitar, voice, drums, flute, ukulele, clarinet, sax and percussion, they can help you start your own one-man band!



Plus, if you look online, you can find numerous teachers through MusicTeachersDirectory.org when you enter your pertinent information.


And, of course, the Strathcona Symphony Orchestra and Comox Valley Concert Band are always looking for new members with experience.


Now, get out there and get musical!



For other information about life in the Comox Valley, visit the blog section of my website. Questions about real estate opportunities in the Valley? Contact me, check out Comox Valley real estate and MLS listings on my website or follow me through Facebook.

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Tips to keep your garage organized


Ah, the garage – where things that don’t fit in the house find a home. If clutter could choose a habitat, this is where it would live. And is it just a coincidence that the word garage is only one letter removed from the word garbage?

For many of us, having and keeping an organized garage is just a dream. However, I hear it can be done; and in my experience, it’s a rare and beautiful thing.


But maybe now’s the time to make that dream a reality! With the following tips, perhaps your garage will become that thing of beauty.


Let’s get going!


Start with a plan

Ensure you have the time and necessary supplies available. To do the job right, you’ll need plenty of both.

Start by getting some heavy-duty garbage bags, a shop vac, rags, storage items and helpers. And then set aside at least five hours; that being said, you can break things up into stages.


Begin by cleaning

It’s important to unearth the floors and counters early in the process. A general once-over clean and vacuum/sweep of the floor will help to reacquaint you with what’s actually in the garage, what areas need more attention, items of high use, etc.


During the cleaning process, you can begin the decluttering phase and get rid of things you know that you don’t need. And by getting rid of, I mean, donate, recycle or trash – three distinct piles. Think about the last time you used an item and decide if you still need to hang onto it; if it has been a while, consider getting rid of it.


Some people like to tackle the whole thing at once, whereas other folks like to focus on an area or wall. Whichever way, just do your best to be ruthless and only keep those items that are in high use or “spark joy.”


Organize into zones

Once the cleaning and decluttering have happened, it’s time to start organizing. One good organizational approach is to group like items with like items and break things into zones. Imagine how Canadian Tire does it, i.e., Paint, Tools, Automotive, Sporting Goods, and maybe even incorporate a recycling centre.


Put bigger items, like lawnmowers or garbage cans, in corners. Frequently used things should be near the door and rarely used items tucked away.


Use and create more storage

Get things off the floor by using shelves or cabinets. These will also help you make the most of your vertical space. Open shelving is easy to browse, and a good step stool allows for quick accessibility. Keep chemicals out of reach or in a locked cabinet.


Keep it clean

Now that things are organized into your zones, maintain by doing seasonal cleans. Get a bag of kitty litter to absorb oil or grease spills. Keep a broom and dustpan by the workbench. Hose down the floor regularly. Declutter and reorganize your garage twice a year in October and May. 


There, now that all seems doable, doesn’t it? Good luck!


For other house-y information, visit the blog section of my website. Questions about real estate opportunities in the Valley? Feel free to contact me, browse my Comox Valley real estate and MLS listings on my website or follow me through Facebook.

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 A bevy of beachy options to choose from



Choosing a favourite beach is like choosing a favourite child – impossible! They’re all so special and wonderful in their own way.


And the things they have in common are all pretty fantastic, too. The smells, the sounds, the scenery . . . aaah, we really are so lucky to have the options we do in the Comox Valley. Here are a few of the beaches I love to spend time at when the opportunity arises.



Goose Spit

Why not start with a classic? The Spit is a great spot any time of year, but it really sparkles in summer. Part of what I love is the chance to relax by its firepits in the late afternoon and evening. I also like the option of climbing the staircase a few times to get good and hot before jumping in the water to cool off. Plus, there are wheelchair-accessible spots, so everyone can get the chance to enjoy its splendor.


Air Force Beach

Around the other side of the Comox Peninsula is the lovely Air Force Beach. Featuring a pavilion and picnic shelter adjacent to the sandy mile-long beach, it offers fantastic views of Georgia Strait and the Coastal Mountains.


Free for the military community, civilians are also welcome as guests or with the purchase of a $25 annual beach pass. There is also a playground, concession and washroom/change facilities with showers if you like to get the sand off before getting back in the car!


Gartley Point

A little off the beaten path, but a nice location down past Royston off the Old Island Highway. The cobble beach is popular for swimming in the summer and for launching canoes/kayaks throughout the year when the tide is high. Not very crowded, there’s a sandy strip along the shoreline that provides a path for walking, sitting or taking in the views towards Texada, the nearby Seal Islets and, farther south, Jáji7em and Kw’ulh Marine Park (also known as Sandy Island Marine Park and Tree Island). 


Tribune Bay – Hornby Island

Talk about your magical destinations! “Trib” is a little piece of paradise boasting sandy white beaches and warm, shallow waters. If it weren’t for the surrounding firs, you’d feel like you’re in the tropics. Enjoy the interesting rock formations along the shoreline or just sit back and let your worries melt away.



Hope you get a chance to spend some quality time at one of these wonderful beaches this summer!


As always, feel free to contact me to find out about real estate opportunities in the Valley, browse my Comox Valley real estate and MLS listings on my website or follow me through Facebook.

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Open, closed, fixed, variable – check your mortgage options


Buying a home comes with tonnes of questions. And, “What kind of mortgage is the best?” is one of the biggest and most common.


In Canada, the options are plentiful – in fact, almost too plentiful. To help make sense of them all, here’s a list of the most conventional types of mortgages and how they differ from one another.


 
Traditional or conventional mortgages: these require a 20 percent down payment, and the remaining 80 percent comes from the lender. They are also considered a low loan-to-value ratio, meaning the loan amount is low relative to the property’s value.
 
High-ratio mortgages: with this mortgage, the borrower has a down payment of less than 20 percent, and the law requires mortgage default insurance. The premiums for that insurance are often rolled into the mortgage loan payments. High-ratio mortgages used to be thought of as undesirable, but with today’s low interest rates and higher housing prices, this is almost becoming the norm.
 
Fixed-rate mortgages: this mortgage features a “locked-in” interest rate that doesn’t change through the chosen length of the term (typically running between 3 and 10 years). Your payments stay the same throughout the entire time, so it’s easy to budget. And to pay for that stability, the rates for fixed mortgages tend to be slightly higher than other types of mortgages. This can be very beneficial though when rates are low and expected to rise over the term.


Variable-rate mortgage: this type of mortgage sees the loan’s interest rate fluctuate based on the current prime rate. Your monthly payment stays the same, but the amount of payment applied to the mortgage principal changes. If interest rates fall, you benefit; if they rise, not so much. Typically, these mortgages have lower rates than the fixed-rate ones.
 
Adjustable-rate mortgage: this mortgage is intermittently reviewed and then adjusted depending on what’s happening with the prime rate. This adjustment affects monthly payments and the loan’s interest rate. If you can handle changing payments when these intermittent changes occur, they usually have lower rates of interest.


Convertible mortgage: this mortgage can change from variable to fixed or from short to long term, without penalty at any time. Good for when you expect things to rise but still want to take advantage of a lower rate for a while . . . just make sure not to forget about it if things start going up!


Hybrid (or 50/50) mortgage: a combo of fixed and variable rate mortgages, with both parts being financed at different rates. This offers good stability but can sometimes be hard to transfer or renew and is not offered by all lenders.


Closed mortgages: these mortgages have restrictions about being paid off or renegotiated before the term of the loan is complete. Penalties can occur if they are paid off too early or if they have a prepayment limit that is exceeded.
 
Open mortgages: flexibility is offered by these loans in that lump sum or accelerated payments can occur without penalty. This means the loan can be paid off before the end of the amortization period. This also means a slightly higher interest rate than those of closed mortgages.
  
Portable mortgage: moves if you do, essentially. Your current mortgage is applied to another property and without paying penalties. The interest rate stays the same, and you don’t need to do the whole approval process again. Handy if you are planning on moving but still need to renew in the meantime.
 
Assumable mortgage: someone else can take it over upon approval from the current lender; mortgage terms need to stay the same.
 
Home Equity Line of Credit (HELOC): not a mortgage per se, but used in conjunction with one for up to 65 percent of a property’s assessed value. The line of credit’s interest rate is linked to the prime rate and therefore is variable. But you can pay any amount at any time or just cover the interest of the loan.


Collateral mortgage: the lender can give you money as the property’s value increases without the need to refinance. But, it’s not transferrable at the end of term, and overdue payments can get dinged with a rise in the rate.



Of course, all these mortgages are available with different term lengths and mortgage payment schedules, which all come into play as well.


Whatever your situation, there is an option that will work for you – you just need to find it. So, keep doing your research and talk to banks and brokers to get their input before you make any decisions.




As always, please feel free to get in touch if you want to discuss real estate related topics and considerations. Don’t forget to visit my Facebook page or website to keep up to date on the latest Comox Valley listings.

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A little curb appeal goes a long way


Are you thinking about listing your home?


If so, you’re probably busy primping your living room, decluttering closets and putting a fresh coat of paint on some walls. And those are all good ideas. But, don’t forget about the yard!


Creating curb appeal through some basic landscaping can make the difference between “Meh” and “Me likey!” And if it’s done well, landscaping can increase the value of your home when it comes time to sell.


Whether you want to spend a lot or a little, investing in your yard is something that shouldn’t be overlooked or underdone. 


The basics – clean, weed and pop in some colour

Doing a major landscape makeover isn’t in the cards for most people, but that doesn’t mean things couldn’t be improved upon. Spend some time and money on getting your yard in shape and you’ll be glad you did.


Here are some basic things you can do to spruce up the place:

  • Keep a weed-free garden and lawn
  • Go buy some ready-to-go flowering annuals and potted plants to perk up the area around the front door
  • Mow and water regularly, and mulch the edge of the lawn for a clean, tidy look
  • Power wash decks, stairs and cement work
  • Add some new mulch or dark dirt to improve general contrast


Take it a step further and call in pros

It might be a good idea to get in a lawn maintenance company or even a landscaping business if you have the opportunity. I’m not saying you need to put in a new walkway with lights leading to a gazebo, but some consistent, knowledgeable lawn care, proper pruning of trees and few new shrubs might help your patchy backyard shine. Then again, who knows? A nice little water feature could become your property’s biggest selling point!


Whichever route you take, rest assured that a colourful, tidy yard is an excellent way to make a good – and lasting – first impression.



As always, please feel free to get in touch if you want to discuss real estate related topics and considerations. Don’t forget to visit my Facebook page or website to keep up to date on the latest Comox Valley listings.

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Kids’ summer activities in the Comox Valley



June is here and that means summer holidays are right around the corner . . . SQUEAL!!!


Looking to keep your kidlets active this summer? Lucky you – you live in the Comox Valley and that means never having to hear “I’m bo-o-o-ored.” Well, in theory, at any rate.


From day camps and rec programs to hanging at the ocean or lake, there are numerous options to occupy your children, no matter what their ages or interests.



Recreate and relax

The Valley is fortunate to have three different communities with fun-filled recreation centres, and summer time is when they really shine. So many programs and classes are offered, and all feature qualified, friendly staff.


Whether your kids want to cook and create or jump and dance, the variety of offerings is diverse. Visit their various websites to find out what’s on tap this summer by clicking the following links: Courtenay Recreation; Comox Rec; Cumberland Recreation.


Plus, the Boys and Girls Club of Central Vancouver Island run excellent summer day camp programs in the Valley. Weekly sessions are geared to encourage and inspire.



Go beyond and get outward bound

Of course, the surrounding areas also have outdoor adventure opportunities that should also get some attention.


Tribune Bay Outdoor Education Centre offers families and individuals the chance to experience adventure with various program offerings throughout the summer.


Likewise, Strathcona Park Lodge and Outdoor Education Centre lets youth from 12 to 18 come see what outdoor pursuits in natural settings might appeal.


Not sure your kids will be into a whole week of outdoor activities? Maybe a day up at Horne Lake Caves will get that sense of adventure growing.



Go jump in the lake...or the ocean…or the river

Again, so many options for keeping cool await in this wonderful Valley, from hanging out at the community waterparks and taking lessons at the Courtenay & District Memorial Outdoor Pool to splashing down the Puntledge River.


At Comox Lake, meet up with the folks at West Coast Water Sports for various day camps, lessons and rentals of SUP boards, kayaks and canoes.


Comox’s Compass Adventures offers kids and families the chance to take in lessons and camps as well as renting various sea-faring vessels. Based down by the Comox Marina, these guys offer too much fun!



Take a hike, hit a park or walk for fun

Some days, though, a nice stroll in the park fits the bill perfectly. For those who prefer to hang with animals in a park, the Hands-on Farm over at the Filberg Heritage Lodge & Park has a variety of animals to get up close with after you’ve strolled the grounds.


Looking for something more strenuous? Head up to Mount Washington and start feeling the burn. Plus, the Comox Valley Guide gives a good selection of hike and walk suggestions to check out.


Don’t forget to check in with the Courtenay & District Museum and Paleontology Centre to find out about their Fossil Tours and other summer programs.


And wander up to Miracle Beach Provincial Park and take in their daily learning opportunities for kids through the Nature House environmental education program.


If you have kids and live in the Comox Valley, the world is your oyster this summer. Get out there and enjoy it!



For more info on the Comox Valley or its real estate, please feel free to get in touch with me, have a look at my website or visit my Facebook page.

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Upcoming summer events to mark on your 2019 calendar


I know, it’s only May – but there is no time like the present to start planning for summer, especially when you live in the Comox Valley.


After all, there are so many things to do in this spectacular part of Vancouver Island, you need to draft a strategy early! Here are a bunch of events that you’ll want to take into consideration.


June

What better way to kick things off than with the BC Shellfish and Seafood Festival, held for 10 days in the middle of June and starting on the 7th this year. You’ll want to catch some part of Western Canada’s largest seafood festival.


Celebrate National Aboriginal Day on Friday, June 21st with the K’omoks First Nation at 3320 Comox Road. Traditional food, dance, song, arts and more will be showcased at this free event.    


July

Canada Day is always tonnes of fun in the Valley with the parade down Fifth Street and day-long activities at Lewis Park. Free entertainment and concerts are around almost every corner.


And, of course, Vancouver Island MusicFest takes centre stage on the second weekend of July; this year’s dates are the 12th to 14th. This three-day music festival is still going strong two decades later and promises to deliver an electric, eclectic line-up yet again.


The Denman Island Readers and Writers Festival takes place July 19-21. Known for its intimate scale and warm hospitality, the festival brings together the best BC writers with their devoted readers in a beautiful, natural setting.


August

August long weekend in the Valley means the Filberg Festival and Comox Nautical Days. So much happening along Comox’s sea-side setting – fun, fun, fun for the whole family.


On-going activities

Not sure you can plan out your dates yet? There are plenty of on-going activities through the summer, too, such as the Valley’s galleries, museums and local charters and tours. Plus, the award-winning Comox Valley Farmers’ Market runs on Saturdays at the Exhibition Grounds, Wednesdays in Downtown Courtenay and on Sundays in Cumberland through the summer.


Looking for more info on the Comox Valley or its real estate? Please feel free to contact me, have a look at my website or visit my Facebook page.

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Get informed and make smart choices


Ongoing income and a secure future – that’s part of what makes an investment property such a great idea. But it’s also a huge commitment in terms of finances. And it’s anything but quick and easy.


However, for those who are willing to do their research and put in the time, investment properties are a good long-term approach to supplementing your income or working for retirement.


Before you jump into the investment property arena, the following is a list of some of the things you need to consider.



6 things to think about before you buy an investment property

What’s your overall goal?
Once you figure out what you want to achieve financially, you can decide whether buying a rental property is the way to do that. Make a list of what you have going in, what you’re hoping to get out of it and what it will take to make those two things mesh. Investing in property is a long-term commitment that requires money at the outset and money all the way along. The results can be very good, but it’s not a get-rich-quick scenario by any means.
 
 
How will you finance and what’s your down payment?
Typically, properties are financed through mortgage loans, so speaking with a mortgage broker is also a good early step. They’ll let you know what you are working with and how much of a down payment is necessary. And when it comes to down payments, greater is better. Not only will it be easier to finance, but often sellers are more likely to go with a buyer who has a good chunk of cash ready to go. Can’t save for a good down payment? Maybe an investment property isn’t for you right now.
 
 
What kind of property are you considering?
There are so many options: condos, townhouses, single-family homes, duplexes, vacation properties, etc. Depending on your budget and target tenants, you’ll have plenty to think about. Generally, a smaller, lower cost option, such as a condo, is best for those just getting into the market.
 
 
What area will you buy in?
Location, location, location, right? Where you buy is a big factor in return on investment. Just because a house is a great deal doesn’t mean it will pan out – maybe those sellers are listing for a reason! A market analysis is a good idea. Is there high or low vacancy in the region? That will tell you what you can expect to get for your place. Is there a college or university nearby? You might have to deal with occupancy issues and frequent changeover. What are the growth indicators like in a specific area – is the population growing and the economy stable? Are there job opportunities? All these variables will influence both your short-term tenant decisions and long-term re-sale options.
 
 
Have you done a property assessment?
If you’ve narrowed down your options, then you’ll want to analyze and assess the property before making any commitment. In addition to looking at purchase price, you’ll need to evaluate any property management fees; municipal property taxes; insurances; mortgage and financing payments; repairs and maintenance. At that point, you can compare the monthly expenses to the rental income and have a better idea if the property will generate positive cash flow.
 


Do you have an exit strategy?
Hopefully, things will go super smoothly from this point forward, but what if things go wrong or you’re in quick need of cash? What’s the plan then? Best-case scenario, you get out of the situation while still making a profit. Selling and refinancing are both options, but it’s good to have a plan going in. Talk with your real estate agent and mortgage broker to discuss what may work best for you down the line.
 


Obviously, numerous factors come into play and must be considered before investing in real estate, so it’s prudent to ask lots of questions and do plenty of research. Investment properties can be very rewarding, but they do require adequate planning.


Talk to your real estate professional to see what opportunities are available to you!



Please reach out if you want to discuss real estate considerations in the Comox Valley. And visit my Facebook page or website to keep up to date on the latest listings.

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What are you waiting for? Get growing!


It’s spring . . . YAY! Time to get outside and, for many of us, get in the garden.


Even if you haven’t the greenest of thumbs, there are plenty of things that you can do to get your garden ready for summer. Following are some tips to help you get started.


8 ways to help your garden grow

Make a plan. It’s easy to feel overwhelmed by the garden centre’s selection, but a plan helps from getting too few or too many seeds. Veggies or flowers, perennials or annuals, doesn’t matter – just come up with a course of action. Grab your pen and paper and start plotting things out.


Prep your soil. If you’re a seasoned veteran, your gardening area may be well prepped already, but if you’re just starting, it’s likely you’ll have to work it a bit. Organically rich soil is usually dark brown. Some good compost and/or aged mushroom manure added into your own soil will do wonders. Mixing it in will also help loosen the ground, creating space for roots.


Trim branches in the early spring. And shape shade trees then, too. This will allow them to heal over the coming season.


Weed your beds early and often. Get ahead of the game when the seedlings of weedy plants are just getting established. Hopefully, this prep work will make summer care easier as fewer of the weed seedlings will get established.


Establish a good cover of mulch on garden beds. This will work to conserve moisture, reduce weeds and keep the soil cooler during summer’s heat.


Attract helpful critters. Think about adding “bee hotels,” and hummingbird and butterfly feeders to attract these helpful pollinators to your garden.


Prune or deadhead those early flowering shrubs. Late spring is a good time to tidy up shrubs once they have finished flowering. When pruning, thin out older wood to improve the plant’s form and vigour. 


Set up a deep-watering schedule for summer. This can help promote good root development so plants can better withstand dry spells. Water early in the morning with a deep soaking of two to three centimetres of water once a week.


Now get out there and grow!


Please reach out if you want to discuss real estate considerations. And visit my Facebook page or website to keep up to date on the latest Comox Valley listings.

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Here’s a handy seller’s guideline!


Whether you are contemplating a bigger home for your growing family or considering downsizing to a nice new condo by the water, there are plenty of things to think about – before, during and after – when listing your home.

Of course, your realtor will help guide you through the entire process, but there are some steps that you can take to ensure you keep from being overwhelmed. No matter what your reason for moving, following is a general outline of things that you should take into account along the way.


Before listing . . .

Most importantly, find the right realtor for you. You want to work with someone you can trust who has experience, knows the area and will be able to provide the attention to detail that you expect and deserve. Don’t have someone in mind? Talk to friends, relatives and neighbours to ensure you get the right professional.


Figure out what your existing home is worth. A home evaluation is key. Know what you’re working with and whether there are things to do that will help it sell more quickly.


Clean, clean and clean again! There’s no getting around it – you need to tidy, de-clutter and de-personalize. Put yourself in the potential buyer’s place. Do you think they want to look at your overflowing junk drawers and crowded closets? If the thought of de-cluttering doesn’t spark joy, bring in some help. You’ll be glad you did.

 

When your home is listed . . .

Above all, be available. If you aren’t able to allow access to potential buyers, you’re losing opportunities to sell. Requiring people to book way in advance or having very restrictive timeframes for viewings makes it difficult to get people through the door, and that’s what it takes to get things sold. Yes, it sometimes means heading out on short notice, but hopefully that will lead to a shorter listing time.

 

Keep it clean. And because of your excellent availability, you’ll want to have your home in ship-shape form so that you can allow those showings on short notice. Stay on top of laundry and the lawn, and get the family used to picking up after themselves – it may take bribery, but it’s a small price to pay. In fact, this is a great time to start packing up family pictures and winter clothes – items that won’t be needed in the near future can be kept in storage or at least out of sight.

  

Once an offer arrives . . .

Rely on your realtor to let you know the process. As a professional licensee, your realtor is obliged to show you all written offers. Your realtor will tell you what you need to know during the process of receiving and reviewing offers. Together you will decide whether you want to accept the offer as it stands, make a counteroffer or reject the offer.

Obviously, this is crunch time. It’s important to review any and all offers carefully. Look at “subject” clauses surrounding the offer to see whether these specific conditions can be fulfilled. Because you’ve chosen a reliable, experienced professional, they’ll help you understand and navigate this part of the selling process.


Have a lawyer or notary in mind. Typically, the buyer’s legal representatives prepare the various necessary documents for transferring ownership, but you’ll also need legal counsel acting solely on your behalf to ensure your interests are being protected. They will do a number of things for you, such as checking the buyer’s documents, ensuring your mortgage has been properly discharged and that no further obligations remain, arranging for signing transfer documents and outlining where purchase money should be disbursed.


Get ready to move . . .

And the sooner, the better. Whether it’s packing up or notifying the post office and utilities, don’t leave things to the last minute. A quick Google search about packing and moving checklists and tips will help you get things rolling or, if you need it, connect you with professional movers.


Selling is an exciting time, but it can be daunting. Follow these guidelines and keep your cool while your realtor gets things heating up.


For more information on buying, selling and everything in between in Comox Valley real estate, get in touch. And please visit my website or my Facebook page to see all the latest local listings.

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Too much of a good thing? Almost!


Finding a great place to eat in Comox? Easy!


Having to actually decide where to go? Hard!


Truly, one of the toughest things about going out to dine in Comox is trying to figure out which awesome establishment to visit. And, at the risk of making things even more difficult, here are just a few of my favourites. But at least I’ll give you some info about the type of food they serve, then maybe your partner will tell you what he or she is in the mood for and we’ll let them do the hard part.


Black Fin Pub – looking for sumptuous food with a spectacular view? Black Fin has both. Featuring a fresh West Coast menu that offers classics like steak, pastas, seafood and more, you’ll find there is something for every taste here.


Toscano’s – in the mood for pasta or something else Mediterranean? Tuck in at Toscano’s. Italian cuisine with a taste of BC mixed in make this a splendid choice. Get the feel of Tuscany without having to leave the Valley. 


Sushi Wara and the Spice Hut – got a hankering for takeout? Both these eateries will fill the bill when you’re thinking International. Less formal but just as full of flavour!


Avenue Bistro – get an “upscale, casual” dining experience and enjoy bistro classics in this welcoming restaurant setting featuring locally sourced, house-made fresh and light fare. Warning: the gourmet pizzas are addictive.


The Social Room – a new kid on the block, you’ll enjoy tapas and premium drink selections at this hip and happening establishment. Weekends feature events and one-of-a-kind entrees. Check them out!


Martine’s Bistro – ready to go out for a special occasion? This is the place to be. Known as one of the Island’s top dining experiences, their “locally provisioned, internationally inspired” menu will delight. Works from local artists and Sunday night music will also entertain.


As you can see, when it comes to menus there’s plenty to choose from in the Town of Comox…good luck and bon appetit!


For more information on both real estate and living in the Comox Valley, get in touch! Please visit my website or my Facebook page to see all the latest local listings.

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Is one better than the other? Things to think about


Do you like the character and charm of an older house or the clean lines and openness of a new one?


There’s nothing like being the first owner of a brand-new home – everything is in pristine condition and you’re the one breaking things in. Then again, some homes get better with age or allow for the opportunity to do some renos and get things exactly how you want them – maybe at a lower price.


Making the decision to buy a new or older home can involve numerous factors. Of course, if you’re looking for a specific location or in a seller’s market you often don’t have much of a choice.


But for those who are getting ready to look at potential homes, here are some things you may want to consider as you try to decide what’s the best fit for you.



Buying a previously owned home


Older homes have a lot going for them, not least of which is their quality construction and character. They’ve proven through the years that they can stand up to time, and the craftsmen who made them not only paid attention to detail but also likely inserted some unique character and even interesting architectural features, such as archways or stained-glass windows.


While the houses themselves can be smaller, often the size of the lot is larger than newer ones and the vegetation is matured – no waiting for five years for that hedge to grow! As well, the neighbours and neighbourhood are established, so amenities are nearby, and zoning changes are less likely.


But it’s not all roses and sunshine. Older houses might have been constructed when one garage was plenty, and people tended to have less “stuff,” therefore storage could be an issue. Wear-and-tear happen to all of us, so typically there is more maintenance and upkeep. Because of their often-excellent location, a “vintage home” may actually be pricier than a new one farther afield.



New house on the block

Imagine not having to think about roofs for fifteen years and water heaters for seven – there’s something to be said for that! The latest energy-efficient heating systems and windows will undoubtedly save you money. And often there is a builder’s warranty that comes into play, which adds peace of mind.


But new houses settle, no matter what type of soil they are built upon, and that settling can cause cracks in foundations, walls and door frames. Hopefully, your builder is quick to respond to warranty repair requests. Plus, your house may look just like your neighbour’s, which looks just like their neighbour’s . . . Additionally, your new home may be located farther from “downtown.” New homes also mean more taxes charged on the sales price, which can really add up. But, hopefully, maintenance fees will be less for quite a few years, and that can help balance things out.



Other things to think about

Move in dates tend to be more flexible with older homes, after all, a delay in construction isn’t going to happen. Moving into a new neighbourhood may also mean a certain amount of other construction occurring around you.


Fortunately, in the Comox Valley, there is good opportunity to buy either new or old. Talk to your realtor to see the latest listings and start thinking about what matters to you.



Please get in touch if you want to discuss this or other real estate consideration. And visit my Facebook page or website to keep up to date on the latest Comox Valley listings.

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What’s going on and where’s it happening?!


I know, I know . . . you ‘re thinking “Comox Valley nightlife? Is that an oxymoron?”


And maybe if you were here in the 1990s, you might be forgiven for thinking that way. But these days, there are plenty of things to do after dinner.


After all, we can’t all stay in our cozy Comox Valley homes all the time, right? So here is a collection of suggestions for when you feel the need to get out and about.



Musical options

Whether you like to listen to music or perhaps prefer to make it, this Valley has got you covered. Numerous establishments offer entertainment on Thursday, Friday and Saturday nights, such as Cornerstone Taphouse; the Waverley; the Griffin Pub; The Whistle Stop; Roy’s Towne Pub; and The Flying Canoe. Most of those places offer karaoke evenings and many also host drop-in jam nights. And where there is music, there’s often dancing, so feel free to get up and boogie!



Theatrical productions

If theatrical entertainment is more your style, check out the offerings at the Sid Williams Theatre. “The Sid” has been keeping us all entertained for years. Dedicated to the stimulation and enhancement of artistic, cultural and recreational activities in the Comox Valley and surrounding regions, the theatre hosts everything from local dance groups and choirs to international films and entertainers. Have a look at their schedule of events and you’ll find something that suits.



Start recreating

Of course, some of us enjoy getting out and getting active in the evenings. For the physically inclined, the local recreation options are plentiful. The pools and skating rinks always have lots to do and details are on the CVRD website at www.comoxvalleyrd.ca. Plus, there is a wide assortment of great programs offered through the awesome recreational facilities in Comox, Courtenay and Cumberland.



If you want more info for events on specific dates, the What’s On Digest listings are a great resource.


As you can see, there are plenty of things to do in the evening if you go out looking for it. Have fun!


As always, feel free to contact me to find out more about living in the Comox Valley as well as local real estate opportunities. And please check out my website or visit my Facebook page

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Consider these 5 factors


We all know that location, location, location is a big part of real estate success, but you’ll find that timing comes into the mix fairly regularly, too.


Generally, it’s thought that late spring/early summer is the best time to put your home on the market. And certainly, for many parts of Canada, the thought of heading out into a blizzard or onto frozen roads is more than many can handle.


But there is something to be said about getting your place listed before the competition gets out of hibernation, such as it is on the balmy West Coast.


So, when you’re thinking of listing in the Comox Valley, you may want to consider a few more factors than just the weather outside and talk to your experienced realtor to get the inside scoop on when to list.


5 things to think about if deciding when to list

Mortgage rates and economic trends: This one isn’t a huge determinant unless there has been a significant stock market or economic disruption. Truthfully, month to month, housing prices don’t tend to vary significantly, that is more a trend that happens over the long term. Yes, an indication that changes in mortgage rates may spark a light under some, but most people don’t list it as a make-or-breaker.  


Market supply and demand: Again, generally, this is another longer-term trend, but it’s good to keep an eye on it. Your realtor can keep you apprised of whether it’s a buyer’s or seller’s market and suggest price and listing advice accordingly. That being said, it’s likely better to get your home listed before the competition gets too stiff, so listing in January and February may be a good strategy.


The dead grass factor: Obviously, it’s much easier to create some curb appeal when the lawn isn’t soggy and the trees have some leaves, but when your yard is looking great, so is everyone else’s. After all, we are still comparing apples to apples, no matter the time of year.


Buyers’ attitude: Even though interest in homes does increase in the spring and summer, those looking in the earlier part of the year are often ready to make a change and make it now! If you are looking for a focused and committed buyer, the ones you see in the early part of the year often fit the bill.


Location, location, location: Depending on where you live, selling times can fluctuate . . . or not. For example, cities known for their retirement populations don’t see as much end-of-school activity as other areas. And sunnier climates face less variation in selling times. For us in the Valley, our relatively temperate weather and year-round recreation opportunities mean we aren’t impacted as much by climate trends as other areas of the province and the country. 


Is now the time to list your home in the Comox Valley?

Even though the indications are that the Valley is heading into a more balanced real estate market than we have seen for several years, I have been in and heard of multiple offers already this year! I personally have quite a few buyers ready to go and not enough homes coming on the market to give them a good choice.


Although the spring market is the time of year when the highest number of sales occur in the Valley, it’s also the time that the majority of homes come on the market. I always feel it can be beneficial to list before the spring rush when the listings are not in abundance and the competition is less. Chances are, you can sell your home relatively quickly if priced at fair market value.



I’m always happy to discuss any of the mentioned factors and local trends, so please feel free to get in touch if you have any questions about listing your home.


For more information on this and other house-related topics, please get in touch. And don’t forget to visit my Facebook page to see the latest Comox Valley listings.

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