403.617.2879  |  kim.avery@creb.com

Many homeowners are surprised to hear that water damage is the most common insurance claim. Water damage—often in the form of a flooded basement—can come out of nowhere and cause extensive damage to the house.


“Once homeowners understand the most common types of insurance claims, they can take steps to guard against them,” says John Jenner, vice-president of marketing and communications at Western Financial Group. “Measures might include making sure their home insurance policy covers sewer backup, installing a sump pump, having properly installed drainage systems, or making sure that downspouts are sending water away from their home.”


According to the Insurance Bureau of Canada, there are many circumstances that can cause a flooded basement, including tree roots growing through cracks in the waterline, overloaded stormwater and sanitary sewer infrastructure, frozen pipes, vandals blocking lines and more.


To keep your home safe, practice the following guidelines:


Have someone check on your house when you're away


When you leave home for more than three days, make sure you have someone come and check the premises. A flooded basement, leaky pipe, or a broken window can be devastating if it is not discovered immediately.


Keep drains clear


It may seem simple, but many homeowners need to be reminded to keep their basement drains clear of obstructions. That means moving large objects such as furniture and making sure the drain is not sitting under a layer of dirt or debris. In older houses, drains may need to be snaked to ensure they can do their job properly.


Install a sump pump and backflow valves


This will greatly reduce the frequency and severity of basement flooding. Backflow valves or plugs can be installed on drains, toilets and other sewer connections to prevent water from entering the home.


Move items that are in flooding prone areas


The 10 minutes spent on inspecting your home for items that are in flooding prone areas could save hours later. Make sure you store important documents and irreplaceable personal items where they will not be damaged.


“It is important for homeowners to go over their insurance policy yearly with a representative,” adds Jenner. “This will make sure you have the coverage you need.”


More information is available online at www.westernfinancialgroup.ca.



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I have listed a new property at 60 GLENEAGLE PL SW in CALGARY.
Completely renovated 2 bedrooms plus a loft that can be converted into a third bedroom ! This home has been completely redone. Everything from the kitchen, to living room, bathrooms, and flooring. A great starter home for a small family, or couple there is no doubt that this is the perfect property that is close to schools, shopping, and easy and quick access to the mountains and downtown. The open kitchen has a large eating area, new island, all appliances updated. All of the bathrooms have new vanities, new toilet, and bathtub, and tile. The flooring throughout the house is new laminate and tile. The neighbourhood is mature with large trees, and great neighbours ! Located in a quiet culdesac this home will be comfortable and comforting. All window coverings are included, and there is even new doors, trim, and bifold closet doors. The wainscotting at the front and back entrance give the home character and modernism. This home can be yours today ! Possession is negotiable but 30 days is preferred.
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The key for a really easy way to make money is... credit cards. Don't gasp like I just said Voldemort or something. Credit cards get a bad rap because of all the stories of people going into debt because of misuse. It is not the credit card's fault that they are in debt, it is their own fault. All it requires is self control. If you don't think you can handle that, then by all means do not open up a credit card.


How to Not Go Into Debt with Credit:


1.) As I said, the key to not going into debt is self control. Do not think of it as being able to buy anything you want on credit, think of it just the same as your debit card, i.e. you have to have the money to buy it. Generally I like to keep the rule that it already has to be in my account, like I could pay for it with cash right now, but if you know you will have enough money in your account by the time you have to pay your bill then that's okay too. But I don't recommend living paycheck to paycheck like that if you can help it.


2.) The second reason people go into debt over credit cards is because they don't pay their bill IN FULL each month. If you've followed the rule above, you will have enough money in your account to pay the full amount. DO THAT. If you do not, the interest charged on what you have not paid will end up being way more than you should ever pay for the stuff you bought. Just don't do it. If you happened to have an emergency or something that prevented you from paying your bill in full one month, that's understandable, pay as much as you can, not just the minimum. And then make sure you pay it off as soon as possible. Oh and make sure you pay on time.


And that's it! If you keep your spending limit within your means, that means only buying what you can actually pay for, and if you pay your bill in full on time, you will never pay credit cards any extra money (as long as you get a card with no annual fee but more on that next) and you won't go into debt.


Things to Look For When Choosing a Card:


1.) NO ANNUAL FEE!!!!!! This is super important. Really the only fine print you have to look for as long as you follow the above two rules, is no annual fee. Why should you have to pay a fee to pay for thins? You shouldn't and that's why you won't. There are plenty of cards out there to choose from that fit your style that don't have one.


2.) Rewards. Here comes the fun part and a little bit of the money making. The reason why credit cards are so nice (not because of the credit because we don't use it based on credit we used it based on the knowledge that we have the money for it) is because you get rewarded for your purchases.


The way you get rewarded varies greatly per card. Most are either based on points or a percentage. Generally points give you less value per dollar spent, but that's not always the case. It's also just easier with a percentage to know how much you are gaining back.


What you are rewarded for. Here's where choosing a card that is tailored to your specific buying habits is key to getting the most out of your rewards. I'm not going to go into great detail because there are hundreds of sites devoted to devouring every bit of every credit card offered out there. Just do your research to find one that benefits you most.


Redeeming rewards is probably the most fun. Generally the rewards options come in the forms of actual objects, gift cards, statement credit, or cash. While it may be fun to build up the rewards to get that fancy TV on the list, you usually get more value out of getting either statement credit or cash (don't worry it usually comes in a check or direct deposit not actual cash). Why, you ask? Because the amount you get back in cash is usually more than what you would actually spend on whatever item you are looking at. Say you've saved up 100,000 points. That TV you were looking at is valued at 100,000 points. But 100,000 points equals $500 cash back. Look up the value of the TV (they're not gonna let you know it's not worth all those points) and you'll see that it would only cost you $350 to buy. The value of that TV is $150 less than you would get in cash. So get the cash, then ask yourself if you really need that TV or if the cash can go to something more useful.


Now that's all cool, you get free rewards for spending money. But that's not the only way, and certainly not the most prosperous way, to make money off credit cards. Here's a way to make a lot of money, quickly, without going over your budget.




Bonus rewards are offers for when you first open up a credit card. As long as you spend a certain amount in a certain time period (generally 3 months) you get the bonus reward. These rewards start at $100 and can go up to $500! Or if you're into travel, enough miles for a plane ticket anywhere in the world.


Now be careful. Remember to still check to make sure there's no annual fee. Also make sure the amount you need to spend to get the reward is doable, within your normal spending amount. The ones that offer the larger amounts, usually either have an annual fee or it's a really high amount you have to spend to get the reward.


And those are the keys to making money off credit cards while not spending any extra yourself.


Sometimes I open a credit card just to get the bonus reward. That's fine. Just make sure you don't start using too many different cards at the same time. Find one that really suits your style: rewards you the most for your normal spending habits and has rewards you like, and use only that one. Obviously you need to switch to the new one for those three months or however long it takes you to get the bonus reward. Then when you are done with getting the reward, switch back to the old one.


If you build up a pile of cards, you can even just cut up the cards you don't use anymore and throw those away. But don't close the account, that will kill your credit score. Even though you may have accounts you don't use at all, it still builds up positive credit because you are "paying it off" every month. It's strange, but it's true. So actually having multiple accounts helps your credit score as long as you are paying everything off.


Also make sure you don't open too many new cards within a short amount of time. This can also kill your credit score. It looks like you're in a desperate need to borrow money. I like to only open 2 or 3 new cards a year.


It think that covers all the essentials. If you have any questions, feel free to ask.


*A note about travel cards, i.e. cards that give you miles towards plane tickets. I didn't really cover these kinds of cards in my post because I don't have experience with them. I've looked into them, but found that just like the product in catalogs for rewards, the miles you have to build up to get a good plane ticket are more than you would get back in cash. BUT there may be some really good ones out there that I'm missing out on. Let me know if there's one you really like.




Article Source: http://EzineArticles.com/?expert=Carmen_R_Hanson

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When the Calgary Stampede said "Come Hell or High Water" after a flood washed through Southern Alberta leaving much of the grounds flooded, they meant it.


More than a million people walked through the doors of the Calgary Stampede during its 101st year - three weeks after the grounds were awash in mud and flood water - raising $2.1 million in flood relief through T-shirt sales.


“Supportive Calgarians and visitors encouraged us to host Stampede 101 – come Hell or High Water,” said Bob Thompson, president and chairman. “The desire to forge ahead with Stampede 101 was heard loud and clear from the community."


Half of the rodeo and evening shows were almost sold out, said the Calgary Stampede, with 80 per cent of visitors saying they had an "exceptional experience."


The Calgary Stampede sold T-shirts with the phrase "Hell or High Water" on them, raising $2.1 million for the Canadian Red Cross Alberta Flood Fund on behalf of supporters.


“This was an unprecedented fundraising campaign for the Calgary Stampede,” said Vern Kimball, CEO of the Calgary Stampede. “We anticipated the campaign would be successful; however, we never anticipated presenting a cheque of this amount to the Canadian Red Cross – it is truly overwhelming.”


The project has been a community powered one, said the Calgary Stampede, with countless volunteers folding, sorting and packing shirts and companies donating goods or encouraging employees to volunteer.


“The overwhelming support for the Calgary Stampede’s Hell or High Water campaign shows the spirit and tenacity of Albertans,” says Sue Phillips, Canadian Red Cross Director General for Western Canada.


“For those affected by the floods, the road to recovery will be long. This generous donation received today from the Calgary Stampede will help Red Cross assist individuals, families and communities as they rebuild their lives from Alberta’s worst flooding disaster.”


Find photos from the Calgary Stampede's 101st year below:


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Stephen Poloz, our new governor of the Bank Of Canada, only has to monitor the Tim Horton franchises for an economic indicator.


It seems Canadians are still choosing to spend an extra half hour in bed each morning instead of rising with enough time to have their morning coffee at home and leave their cars in their driveways and not waste their gasoline waiting in line at their local Tim’s for their morning coffee.


The economy in Canada should remain fairly stable. Canadians in general help stimulate the economy by paying 40 times more for their morning coffee and burning unnecessary gasoline while waiting in line at Tim Horton’s drive through’s every morning instead of getting up a little earlier and having their morning coffee at home.


Canada’s economy should be OK as long as the Tim Horton’s franchises continue to churn out profits.


Source: http://www.niagarathisweek.com/opinion-story/3887912-timmies-a-sign-of-economic-health/


Sidenote: Tim Hortons has not only given us the best coffee and doughnuts but they have been a part of our community and always there to help. Programs such as their Childrens Foundation and Kids Camp Day, their environmental stewardship, food drives, Timbits sports programs, and their commitment to support our local charities, and more recently their $100,000 donation and campaign to raise funds for Alberta flood relief.

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The facade of this hospital in Mexico City is made up of Prosolve370e, a type of tile whose shape and chemical coating can help neutralize smog. According to Fast Company, the wall can suck up the same amount of air pollution that would be produced by 8,750 passing cars each day.


So how does it work? In a nutshell, the tiles are coated with titanium dioxide, a pollution-fighting technology that is activated by UV light. When light hits the wall, a reaction is set off that reduces the surrounding air pollutants into harmless amounts of carbon dioxide and water.


The tile’s honeycomb-like design maximizes the smog-reducing reaction by slowing wind speeds and creating turbulence, which better distributes the pollutants across the wall’s active surface.


A helpful design with a pleasing look. Perhaps something cities like Toronto will want to consider as the summer approaches…


Using a new type of tile that converts the chemicals in pollution into less toxic substances, the Torre de Especialidades is fighting the city’s bad air--and looking good in the process.

Plenty of green buildings cut down on pollution with design features that minimize their energy usage. A tower under construction at a Mexico City hospital, on the other hand, actually eats pollution in the air that surrounds it. The Torre de Especialidades is shielded with a facade of Prosolve370e, a new type of tile whose special shape and chemical coating can help neutralize the chemicals that compose smog: and not just a small amount of them, but the equivalent produced by 8,750 cars driving by each day.

The tile is the first product by Berlin-based design firm Elegant Embellishments, whose co-founder Allison Dring explained to me via email, just exactly how a 100-meter-long tile screen can suck up serious amounts of smog.

The process is twofold (and might take you back to a high school chemistry class): the paint applied to the tiles is made from titanium dioxide--a pigment used to make things like sunscreen white that happens to double as a catalyst in certain chemical reactions.

When UV light cuts through smoggy air and hits the titanium dioxide on the tiles, a chemical reaction occurs between the tiles and chemicals in the smog--mono-nitrogen oxides, or NOx. A lot of chemistry goes on in the interim, but for simplicity’s sake, the end result of the reaction is that the smog is broken down into small amounts of less noxious chemicals, including calcium nitrate (a salt used in fertilizers), carbon dioxide, and water. The titanium dioxide itself remains unaffected, so it can keep making reactions happen.

But it’s not just chemistry that makes this work: it’s design. The shapes of the tiles, a “quasicrystalline grid, create omni-directionality, and surface enlargement, which enhances their ability to receive and scatter UV light,” Dring explains. “The shapes slow wind speeds and create turbulence, for better distribution of pollutants across the active surfaces. The omni-directionality of the quasicrystalline geometry is especially suitable to catch things from all directions.”

So, the shape of the tile scatters more light and collects more pollutants, which means more chemical reactions. But they’re also beautiful, a strategic decision by Elegant Embellishments to attach the technology “to an aesthetic, to be visibly apparent to the public,” Dring offers. “The client, and indeed the general public are aware and live every day with the hazards of pollution--it’s a fairly visible problem in [Mexico City.]” The unique look of the Prosolve370e tiles serves as a beacon that something’s being done.

Source: http://www.fastcoexist.com, http://blog.buzzbuzzhome.com/2013/03/building-sucks-up-smog.html

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I have sold a property at 2110 2 AVE NW in CALGARY.
Its time to customize your own dream home with Treehouse Developments. This home is in a perfect neighbourhood and awaits your lifestyle. Your custom home includes maple cabinets, high end appliances, and a large island. The master bedroom is a perfect retreat with vaulted ceilings, fireplace, and a large walk in custom closet. The master ensuite bathroom includes skylight, soaker tub, infloor heat, steam shower and body sprays, double sinks, and relaxation at its finest. Upper floor laundry with sink. Basement fully developed with infloor heating, large rec room, 4th bedroom, and a 3 piece bath. The back and front yard will be fully landscaped and aggregate walkways. Double french doors will open from your great room to a large deck. The living room will have custom built in cabinets. Party wall is ICF concrete construction. This home will be your dream soon.
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This year, the Calgary luxury home market has been topping record after record! Sold just last week was former home of Shaw executive Jim Shaw for a record $11.1 million making it the highest sale price ever in Calgary on the MLS system!

The property at 102 Crescent RD NW perched atop the ridge was listed for $11.5 million boasting stunning downtown, river valley & mountain views, nearly 10,000 sq ft of luxurious living space, 6 bedrooms, 5 ensuites plus an extra 2.5 baths, rooftop deck with 360 views and hot tub, third level library/den, media room, fitness facility, complete home automation program, all on over 1/2 acre lot! Just the taxes only could be someone's yearly salary at $47,542 for 2013!

This Crescent Heights executive home, overlooking downtown Calgary, surpassed the previous record set earlier this year for a property sold in Aspen Woods for $10.35 million. The two-storey property which was described as a "majestic French Country Castle" sat on a gated interior ridge on a 1 acre lot, with the finest finishings from all over the world, over 14,500 sq ft of living space, 5 Bedrooms, 9 Bathrooms, carriage house, Grand Parlor with Swarovski Crystal Chandelier, Gourmet Kitchen and Butler's Pantry, Men's Parlor, Bar & Games Room, Wine-Tasting Room, Yoga Studio and Spa facilities.

This Aspen Woods home broke the previous record of $10.3 million, set in August 2009 with the sale of former Flames goaltender Mike Vernon’s house in Elbow Park/Glencoe.

Shaw's house made headlines in 2008 when it was bought for a record $7.5 million.

Calgary’s luxury home market has been very strong in the past year or so. It is mainly due to its hot economy, with many head offices and executives choosing to hang their hats here, they see the potential to purchase a great home for a great price!

The month of May had the highest ever number of $1-million sales with 84 transactions, exceeding the previous one-month high of 80 in May 2012.

On Friday, the Calgary Real Estate Board released its mid-year forecast update stating that price and sales growth in the city will likely remain in line with expectations although the full impact of the flood won’t be known for some time.

“In the short term, we anticipate that the levels of listings will fall, and any transactions that do go ahead in the impacted areas will face some price discounts,” said Ann-Marie Lurie, CREB’s chief economist. “However, increased demand in the unaffected areas, combined with already tight supplies, would support further price gains. This will offset any declines recorded in the impacted areas.”

It is apparent that these million dollar properties all have several things in common, location, finishings and amenities are what sells! Even if you don't have the 1 acre lot, or the downtown views, you can use these listings as inspiration and create your own mini-mansion. Here's how:

Amenities: Create 'scaled-down spa', library, or media room by using a corner of a room or a small room in your basement. Make sure you keep the vision of your inspiration room in mind when creating this space.

Finishings: Update your finishings - these are simple and inexpensive to do but have a "Wow" factor. Some things to focus on are light fixtures, door knobs, faucets, crown and baseboard mouldings.

Location: Not much you can do about your location, but play up on its advantages by preparing a list of all local amenities that are popular in your area, any views you like, sunset/sunrise rooms, and south-facing backyards are preferred for gardeners. Also by updating your landscaping with new plants, trees, shrubs, flowers, walkways, patios, you are creating your own private oasis.

Want to see what other million dollar properties are available on our market today? SEARCH NOW on my website for other luxury homes.


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Too soon to see impact flood will have on resale statistics

The monthly statistics package is available here.

Sales activity in June exceeded growth expectations.

City of Calgary monthly residential sales totaled 2,317, a six per cent increase over June 2012 figures, and nearly five per cent higher than levels recorded in the first half of 2012. However, the impact of recent flooding is expected to trickle into the housing statistics over coming months.

“While sales and prices continue to show improvement, the city and residents of communities impacted by the recent flooding will face significant remediation challenges over the coming months,” said Ann-Marie Lurie, CREB® chief economist. “Until the extent of the damage is known, it is difficult to accurately assess the full impact this will have on the city’s housing market.”

The level of new listings totaled 3,003 units in the city, a nine per cent drop over the previous year. The rise in sales, combined with the drop in listings, is keeping overall market balance in favour of the seller.

Active listings totalled 4,584 units in June, of which more than 660 units are listed in flood-affected areas. Active listings are nearly 20 per cent less than last year.

“In the coming months, flood victims, particularly those who were planning on selling their homes, will have some big decisions to make,” said Becky Walters, CREB® President. “Will they take a discounted price? Or will they stay and fully remediate the property? Either way, in the short term, housing supply will likely be relatively tight.”

Condominium sales growth outpaced gains in the single family sector, as less availability of single-family homes priced at less than $500,000 have improved the demand for the relatively affordable condominium market.

After the first six months of the year, condominium apartment sales totalled 2,034 units a 9.5 per cent increase over 2012. Meanwhile, year-to-date condominium townhouse sales amounted to 1,672 units, up from 1,374 sales recorded in the first half of 2012.

“The tighter market conditions are placing upward pressure on pricing in all city sectors,” said Lurie. “While the areas affected by the flood may face some short-term impacts on pricing, any adjustments occurring are unlikely to outweigh the impacts on the overall city wide price growth.”

The benchmark price for condominium apartments and townhouses were a respective $264,000 and $295,000 for the month of June 2013. Condominium prices have increased by more than six per cent on a year-over-year basis, but remain below unadjusted peak levels.

Single-family sales activity totaled 1,638 units in June, a two per cent increase over 2012. However, after the first two quarters, single-family sales totaled 8,573 units, a one per cent increase over last year.

The single-family market moved into seller’s territory ahead of the condominium market, supporting stronger price growth. As of June the single-family benchmark price reached $459,700, a 6.7 per cent increase over the previous year.

“Prior to the events of the flood, our market was demonstrating tight supply levels, particularly for lower price product,” said Lurie.

Meanwhile economic indicators supported the growing demand in the city. Both the economic fallout and housing impact are yet to be seen. However, long-term economic prospects remain favourable for Calgary.

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Data supplied by CREB®’s MLS ® System. CREB® is the owner of the copyright in its MLS® System. The Listing data is deemed reliable but is not guaranteed accurate by CREB®.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license.