Wednesday 28 August 2013

Back to school Survival Guide!




I hope you can use this back-to-school checklist to make sure you're ready when the big day arrives. After all, there's a lot to accomplish before school begins! If you start early, you can easily tackle this list in just a few weeks, and the payoff will be a much easier back-to-school season for your entire family.

 


Have a Fashion Show 




Before you head out to the mall for new clothes, have each child try on the clothes they haven’t worn since last year. As you find items that no longer fit, set them aside to bring to a consignment shop or donate them to charity. If you find that you do need to purchase a few items, pay attention to the back-to-school sales.

Fill out all necessary medical forms


If you need to have forms signed by your child’s pediatrician, send them to your doctor’s office as soon as possible. Note that some doctor’s are now charging for this service. Also, if your child has a food allergy, contact your child’s teacher before the school year begins to discuss any necessary precautions.

Purchase School Supplies




You can get a list of the specific school supplies your child will need from the school secretary or teacher. Items you’ll need to pick up may included backpacks, binders, and planners, in addition to the regular assortment of pencils, crayons, glue, and scissors.

 Confirm Your Child care Arrangements


  

Double check that your child care provider knows what day school starts, and understands when you’ll need him or her to be available. In addition, take the time to confirm his or her pay rate and your planned payment schedule.

Consider Purchasing Alarm Clocks for the Kids




If your kids are extremely reluctant to get up in the morning, consider using an alarm clock with gradually increasing sound, or use a timer to make their bedside lamp turn on just before you want them to wake up.


Plan Your Lunches





First, you'll need to decide whether you need to purchase new lunchboxes. If you do, make sure you look for one that says lead-free on the label. Some vinyl lunchboxes give off a lead residue, which you don't want near your kids' food! Also, begin to plan what you'll include in your kid's lunches, and stock up on extra lunchbox staples, like fruit cups and granola bars, when you see them on sale.

Organize your closets

 

This can help to get everyone out the door a little faster in the morning. If you’re gotten behind in doing the laundry, or you have a lot of ironing to do, take some time to complete this task before school begins. Also, consider purchasing a wrinkle-release spray for the kids’ clothes, which may not really need to be ironed on a regular basis.

Update your calendar




Your calendar is a great tool for staying organized and managing the kids’ busy schedules. Take the time to add school-related items to your calendar, like half-days and holidays. Also, fill in your kids’ regular activities, like soccer practice, ballet, or karate. Get into the habit of looking at your calendar each evening to be sure you know what is coming up the next day.

 Create a system for organizing and storing school papers and projects


On the first day of school, your kids will probably come home with 5-10 papers for you to sign. You’ll want to have a space in your home where your kids can regularly leave the paperwork that requires your signature. You’ll also want to have one spot where you can keep information on hand that you’ll need frequently, like the school lunch menu and calendar.


Gradually move the children’s bedtime up






You'll want to be sure your kids are getting plenty of sleep when school starts. If your kids have been staying up extra late this summer, you want to gradually move their bedtimes up by about fifteen minutes a night. This will make bedtimes easier on you when school begins, and it will help relieve the back-to-school jitters and insomnia.


I hope you found this blog helpful.

If you or someone you know may be considering Buying, Selling, Downsizing or Investing in the Muskoka or Simcoe area, I would be pleased to assist with any Real Estate needs.

 Special thanks to my colleague and fellow Realtor Wafa Masri  www.wafacares.com for content!
                

Tuesday 25 June 2013

Closing day for a home buying family!


 

 
 
 

 
 
 
 
 

Closing day for a home buying family represents in many ways, a new beginning.  It can also be extremely stressful. Here are 10 helpful hints, to make your closing day a success story.


1.     Know in advance how much money you will need to bring in on closing.  Buyers need to understand the balance owing on closing will not only include what is stated in their purchase agreement, but will also include land transfer tax, legal fees, disbursements and any closing adjustments.  Have this discussion with your lawyer well in advance of closing to ensure that you have sufficient funds available. If you are using funds from your RRSP to complete the purchase, make sure you start the process at least one month before closing so that the funds will be available.

2.     Make sure your lender has completed their appraisal well in advance of closing.  If their appraisal indicates that your home is not worth as much as you paid for it, then they may advance a lesser amount than you are expecting on closing.

3.     Arrange insurance coverage well in advance.  Your insurance company will have to conduct a separate inspection on your home before agreeing to provide insurance.  If the home has out-dated wiring, it may result in a much higher insurance premium.  Make sure you have completed this well in advance of closing.

4.     The agreement provides that you may not be given possession of the property until 6 pm.  Most closings take place later in the day.  Do not plan to arrive at the home earlier or else you may end up paying more to your movers.

5.     If you are selling your home and buying at the same time, you should consider buying your home a few days before your sale.  Your bank should be able to provide you with a bridge loan to complete your purchase, so you only pay interest for a few days, until you complete the sale of your existing home.  This will give you time to clean, paint and prepare your new home before moving in. Those who attempt to sell and buy on the same date invariably have damages done to their home and their furniture as a result of being rushed with their moves.

6.     If your seller is going to remove any chandeliers prior to closing, make sure that they replace any light fixture with a cheaper version, to make sure you have light in the home when you move in.  Bring extra light bulbs with you as some sellers have been known to remove all light bulbs.

7.     Pack your valuables and important documents separately and take them with you personally to your new home. Do not put these into a box while you are packing everything else as you will likely need some of these papers when you visit your lawyer just before closing, and may not be able to find them.

8.     Arrange a pre-closing inspection of all appliances, heating, plumbing and electrical systems as close as possible to closing, to make sure that everything the seller promised will be given to you on closing. Try and make sure that the seller removes all junk from the basement and garage prior to your inspection, so that nothing is hidden from view.

9.     Inform all utility, newspaper, cable, phone, alarm system and internet suppliers of your upcoming move, in advance of closing. You may have to provide security deposits for hydro or gas accounts at your new home before service is provided. After closing, inform any credit card companies, doctors’ offices, and government departments such as for example your driver’s license. Consider preparing and sending “just moved “cards, with all of your new information, for your friends, relatives and service providers.

10.  Check all appliances and home systems as soon as you move in.  Most agreements say that the seller warrants that everything will be working on closing, not one week after closing.  If there are any problems, you need to notify the seller immediately after you move in, to be able to bring a claim later for repairs.

Mark Weisleder is a Toronto real estate lawyer. Contact him at mark@markweisleder.com or direct at (416) 702-2499.

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Tuesday 22 January 2013

Canadian homebuyers more experienced, financially prudent moving forward, says RE/MAX


I normally BLOG about more personal  or local issues or outlooks pertaining to Muskoka however I thought this story was timely and may be of interest to most of my followers! According to RE/MAX Ontario-Atlantic Canada - Changing market conditions have triggered a shift in the Canadian homebuyer mix and mindset, a fact identified and confirmed by the RE/MAX Canadian Home buying Trends Survey 2013-2014 released today.

The national survey, hosted on the Angus Reid Forum in December, was conducted among 1,109 prospective purchasers who intend to buy within the next 24 months. From consumer demographics to buyer intentions, the survey provides a snapshot of Canadian homebuyers heading into a period of moderation. Among the key findings:
  • Almost one in five purchasers is single
  • More than two-thirds are second or multi-time purchasers
  • Four out of 10 purchasers between the ages of 18 to 34 have a down payment of 20 per cent or more
  • Just over 80 per cent of buyers believe housing values in their area will rise or remain the same.
"Emerging from the survey are some very real indications that Canadian homebuyers—and their attitudes—have changed," says Gurinder Sandhu, Executive Vice President and Regional Director, RE/MAX Ontario-Atlantic Canada. "Purchasing patterns have evolved, with a more conservative, fiscally-responsible purchaser moving to the forefront. While tighter mortgage rules implemented last July played a role in the transition, the fallout south of the border and overseas drove the message home."

As far as the market in Muskoka and Simcoe, well Its January and Its cold and snowy but the year is off to a great start! So stay tuned for more info as  2013 unfolds. Make those plans Real Estate still a great investment.

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