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February, Spring is around the corner.

Thursday, February 2nd, 2017


February is a perfect time of year to indulge in home comforts like cooking big-batch meals, reading in the afternoon and playing a board game or watching a movie with the kids in the evening. If you are considering putting your home on the market this year, it’s a good idea to start the process now. Set a timetable, make a list of home projects that need to get done to help your home show well. I’m here to help, call me if you have any questions  and let’s get your house Sold

Just Sold

Thursday, June 25th, 2015

West Pines Villas 46-650 Harrington Just Sold

Thank you for listing and buying with me, it was a pleasure and best of luck in your new home.

This home sold right away. Great location beside Dunes Golf Course.

Linda Klein Kamloops Real Estate, Property assessments as a measure of value

Thursday, February 5th, 2015

When homeowners receive provincial Property Assessment notices, some will smile and have a bit more spring in their step, feeling the assessed value is accurate or perhaps even overly positive. Others will wilt and lament a modest gain or even a decrease in the assessed value over the previous year or period. Reactions will of course vary factoring in the potential increase in property taxes that tends to come along with stronger assessments.  The reality, setting aside taxation concerns, is that neither parties’ emotions should be tied to the ‘value’ printed on these notices. 

A provincial property assessment is an approximate value based on the (broadly) estimated market value as of the previous years. There is a lag time between the estimation of valuation and delivery of the envelope. It also fails to involve a formal site visit or viewing of the inside of the home to consider either significant upgrades or significant deterioration.

To put this in perspective, few lenders will work with a detailed official appraisal report that is even 90 days old.  Most prefer a report completed with 30 days, as markets can move significantly month over month.

For these reasons, among others, a provincial property assessment should not be relied upon as a totally concrete indicator of value for the purposes of either purchase, sale, or financing.

Always enlist a licensed professional, or perhaps even two or three, in order to get a timely and detailed appraisal of current market value. This will provide a much more accurate reflection of current market values reflecting recent comparable sales, value for zoning, renovations and/or other unique features to the property.  An appraiser is an educated, licensed, and heavily regulated third party offering an unbiased valuation of the property in question.

Think of your provincial property assessment as something akin to a weather forecast spanning far larger and more diverse areas than the unique ecosystem that is your neighborhood, street, and specific property.

The forecast may call for rain in your city, yet you might have a ray of sunshine radiating upon your street specifically.





Tips for staging a bathroom

Sunday, January 18th, 2015

When staging a bathroom, it pays to think of some of the most used bathrooms in the world – those in hotels – and model your client’s water closet after that.

“People love to walk into the hotel bathroom and see everything is new and clean and the towels are perfect and everything is lined up,” Ella Zetser of The Last Detail Home Staging, tells REP. “It makes you feel like no one has used it before.”

That fresh tone is what agents should be going for, but how do you get there? Here are eight tips for expertly staging a bathroom.

1 – Remove clutter and clean
As with any room in the house, a good clean and a solid de-cluttering works wonders. Bathrooms, of course, should be spick-and-span and free from knick-knacks and other miscellaneous items.

“[Selling agents] need to remove all the clutter,” Zetser says. “There shouldn’t be anything in the bathroom other than white towels – which reminds [buyers] of a hotel. Make sure it’s clean. All the toiletries should be gone.”

2 – Play up the vanity
When potential buyers walk into a bathroom, the sink and vanity are usually the first things they see, and Zetser says that should be what agents embellish.

“The focal point, usually, is the sink, the vanity,” she says. “That’s where the buyer usually walks in and they’re looking for that. That’s where they’re going to.”

3 – Add flowers
Flowers are the easiest way to brighten up a space, and a bathroom is no different. They smell great, they can match any existing colour scheme or style, and they’re (relatively) cheap.

“Flowers make a new focal point,” Zetser says, “and it adds colour.”

4 – Light it up
There’s nothing worse than a great bathroom mirror with poor lighting. Check that the lights around the vanity are in good condition and that the light fixtures are not outdated.

“[Agents] should really look at the functionality and the condition of the bathroom,” Zetser says. “Check if the light fixture over the vanity is in good condition – does it have the right bulbs, does it look nice. Sometimes by changing the light fixture it makes the bathroom look like a whole different bathroom.”
5 – Art and Mirrors
Art isn’t just for living rooms and sleeping quarters. Bathrooms, too, can benefit from a painting or picture. And, as Zetser explains, strategically placed art can make the bathroom look larger.

“We also like to put art in the bathroom so it reflects in the mirror,” she says. “So when you walk in, the mirror has the sink right below it and the light above it. Then you have the art behind it, and you see the art in the mirror and it makes the bathroom look bigger.”

6 – The curtain versus door debate
You might not believe it, but Zetser suggests replacing sliding shower doors with – gasp! – a white shower curtain.

“A sliding door makes the bathroom look old, so I recommend getting a shower curtain,” she says. “They make the bathroom look tight. They close off the tub.”

7 – To bath mat or not to bath mat
Bath mats were once staples of the bathroom, but Zetser says they’re an option in the modern bath, depending heavily on the floor beneath it.

“If the floor is not updated, you might want to cover with a bath mat,” she says. “But if it’s a beautiful floor you do not want to cover it up.”

8 – Colour
Like the rest of the bathroom, the colour of the walls should mimic a hotel bathroom, exuding a feeling of calm.

“Most of the time, a good colour is light blue or beige or light grey,” Zetser says. “But sometimes painting it a dark colour makes it moody and more expensive-looking. But you should paint it to match the rest of the bathroom.”




The importance of mortgage portability

Wednesday, November 5th, 2014


Selling your current home and moving into a new one can be stressful enough, let alone worrying about your current mortgage and whether you’re able to carry it over to your new home.

Porting enables you to move to another property without having to lose your existing interest rate, mortgage balance and term. And, better yet, the ability to port also saves you money by avoiding early discharge penalties.

It’s important to note, however, that not all mortgages are portable. When it comes to fixed-rate mortgage products, you usually have a portability option. Lenders often use a “blended” system where your current mortgage rate stays the same on the mortgage amount ported over to the new property and the new balance is calculated using the current interest rate.

With variable-rate mortgages, on the other hand, porting is usually not available. As such, upon breaking your existing mortgage, a three-month interest penalty will be charged. This charge may or may not be reimbursed with your new mortgage.


Porting conditions
While porting typically ensures no penalty will be charged when you sell your existing property and buy a new one, some conditions that may apply include:

  • Some lenders allow you to port your mortgage, but your sale and purchase have to happen on the same day. Other lenders offer a week to do this, some a month, and others up to three months.
  • Some lenders don’t allow a changed term or force you into a longer term as part of agreeing to port your mortgage.
  • Some lenders will, in fact, reimburse your entire penalty whether you’re a fixed or variable borrower if you simply get a new mortgage with the same lender – replacing the one being discharged. Additionally, some lenders will even allow you to move into a brand new term of your choice and start fresh.
  • There are instances where it’s better to pay a penalty at the time of selling and get into a new term at a brand new rate that could save back your penalty over the course of the new term.

Courtesy of :Starr L. Webb AMP
Franchise Owner / Mortgage Expert

Dominion Lending Centres Western Lending Source

Phone: 250-574-0115


Tips for preparing a parent to move

Wednesday, November 5th, 2014
The Parent Trap
Tips for preparing for a parent to move in
Courtesy of Abbott Wealth Management
Most of us thought that moving out of our parents’ home to go to school, get married, or to move into our first place was the last time we’d be cohabitating with our parents.
But, for many of us, the idea of having an elderly parent move in with us has become a distinct possibility. Why? Because Canadians are living longer than ever before, and many people from our parents’ generation are dealing with the stress of potentially outliving their life savings.
We wanted to give you some tips for preparing to have an elderly parent move in with you. That said, there are so many considerations for an event like this that we recommend contacting our office  to get a more complete picture of what you should do to prepare for such a big step for you and your parent.
Tip #1 – Deal with your nuclear family to avoid any nuclear meltdowns
Having a third generation move in with your family is a tremendous opportunity for your family to gain insights on generations past, as well as to learn more about the aging process.
That said, this type of event can be quite disruptive to how your family currently functions. Your interactions with your children, meal times and social occasions may be some of the everyday events that could be impacted as a result of the addition of an elderly parent.
It’s important to include your spouse and children in the planning and execution of bringing another individual into the house, and ensure everyone has a say in how this new living arrangement is going to unfold. The ability to voice objections and concerns should be encouraged and addressed beforehand so that everyone feels they are being heard and respected.
Tip #2 – Prepare your home
Since most of us don’t live in mansions, adding an additional person into the mix can be a challenge. Discuss and decide how you will share your space in the most sensible way possible. Also, be sure to do your research and even visit your parent’s doctor so you know exactly what your parent will need when moving in with you. Things to research and discuss include your parent’s ability to get around your home (and any changes you may need to make to ensure access to most or all areas of your home), as well as any medications and medical training you’ll need for emergency situations related to the elderly.
Tip #3 – Consider the financial impact of this change
Making changes to your home for mobility and other reasons are just the start of the potential expenses you may incur as a result of an elderly parent moving in.
Your food and energy costs may go up as a result of this change, and there could be any number of other potential expenses. You should ensure you budget for any additional expenses, and track these new costs for your future budget planning.
Although it may require a lot of work to help your parent make the transition to living in your home, it may also be one of the most important things you ever do. Please contact our office today to discuss how you can plan for a smoother transition, as well as to ask about any tax benefits you may be eligible for as a result of this change.
Abbott Wealth Management
207-1211 Summit Drive
Kamloops,BC, V2C 5R9
Toll Free: 1.877.922.2688
Fax: 250.372.7527

Easy ways to make your home more attractive to potential buyers. Kamloops

Monday, July 7th, 2014

Getting ready to sell? Move your property fast – and for the highest selling price possible – with these easy, affordable staging tricks. These deal-sealing changes will make your home attractive to the largest pool of potential buyers, and the best part is, you can start at any stage in the game. Who knows – you may love your home’s new look so much that you decide not to list after all!

1 Paint!

Dollar for dollar, a fresh coat of paint gives you more bang for your decorating buck than anything else. Even if your current palette is relatively new, any scuffs or wear marks will channel an unkempt vibe. And an unusual colour choice – even if the height of fashion – may limit your home’s appeal. So break out that roller and slap on a couple coats of crowd-pleasing warm white or sand paint.

2 Improve the lighting
Replace any dated light fixtures ASAP. How can you tell if it has to go? If it’s over 15 years old and looks it – yet isn’t a vintage (50-75 years old) or antique piece (older) – it should probably go. “Retro” is not something most homebuyers are looking for. You don’t need to break the bank, just head to IKEA or Canadian Tire.

3 De-clutter
Take the collectibles off the mantel, put the mismatched armchair into storage (or better yet, donate it) and pare your closets down to what you’re actually wearing this season, packing away the rest. Ideally, all this extra stuff would head to charity (if in good, saleable condition), the garbage dump, or into storage. The more you store onsite, the more cluttered and small your home appears.

4 Give dated bathrooms a facelift
A nice bath helps sell a house but, don’t invest in a total renovation. Renos are costly, and you won’t recoup your costs unless you find your exact décor doppelganger. Bring an out-of-date bath up to speed with gleaming white walls whether via a fresh coat of white bath and kitchen paint or ceramic tile and new lighting (Home Depot excels at affordable, stylish bathroom vanity lighting). Buy neutral new shower curtains, a simple new bath mat and vanity set, and have fresh flowers in the room during open houses.

5 Take down curtains
Dated window treatments need to come down, pronto (if it’s over 10 years old, get rid of it). If privacy isn’t an issue, just leave the windows bare to maximize natural light and make the room’s dimensions seem more generous. Otherwise, buy basic-issue cotton or linen drapes. Always tie drapes back during viewings and open houses.

6 Put up mirrors
Make small rooms appear bigger and dark rooms seem brighter by adding an attractive wall mirror. A boxlike dining room will benefit from a leaning floor mirror  and an entrance way more welcoming with a console mirror.

7 Update porch hardware
Increase your home’s curb appeal by updating the hardware on your front porch. Buy a doorknocker or bell, mailbox, kick plate, doorknob and lockset in a set or in complementary styles. Brushed nickel is a neutral finish that will never date, while oil-rubbed bronze is another favourite.

8 And the porch light
Update your porch light to coordinate with the new hardware, if needed. They don’t have to be an exact match or even come from the same period, but the finishes and styles should look pleasing together.

9 Spiff up the front yard
Refresh your front yard according to the season. In spring, summer and fall, trim back dead plants and foliage and plant attractive annuals or perennials in flowerbeds. In winter, keep the walkway shoveled and cut back any tree or shrub branches damaged by heavy snowfall. A pair of planters flanking the front door and filled with seasonal arrangements instantly conveys pride of ownership.

10 Tend the backyard

Simple fix-its will make the most of your existing yard layout. Replace any damaged boards on your deck or fence, and apply a fresh coat of paint, or stain and sealant if the finish needs it. Weed and groom your garden and add some perennials for colour when in-season. If kids’ toys are taking over the space, put some in storage. Think “tidy,” “update” and “refresh”: never do anything costly or major like adding a swimming pool or pond, which may put off potential buyers.

The data included on this website is deemed to be reliable, but is not guaranteed to be accurate by the Kamloops Real Estate Board. 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.